Wholesale - AAA Lendings Non-QM Easily Qualified Asset wale nō ke koho – ATR-In-Full – AAA Lendings mea hāʻawi kālā a mea hoʻopukapuka

Huahana Huahana

I ka honua o ka hōʻaiʻē moraki, ʻo ka hiki ke kī. Hoʻolālā ʻia kā mākou moraki kikohoʻe me kou ʻoluʻolu i ka noʻonoʻo. Hiki iā ʻoe ke noi no kahi moraki, hoʻouka i nā palapala, a nānā i ka holomua o kāu hōʻaiʻē ma ka pūnaewele, nā mea āpau mai ka ʻoluʻolu o kou home. Ua hana mākou i kahi ʻike kikohoʻe hoihoi e hoʻonoho iā ʻoe i ka mana, e hōʻoia ana e hiki iā ʻoe ke hoʻokele i kāu noi moraki ma kāu wikiwiki, 24/7.ʻO Kaleponi moraki a i ʻole ka mea hāʻawi kālā,Hoʻonaʻauao maʻalahi,5 Hoku moraki aie, He ʻokoʻa kāu mau pahuhopu kālā, a ke manaʻoʻiʻo nei mākou e hōʻike ana kāu moraki i kēlā. Ma AAA LENDINGS, hāʻawi mākou i kahi ʻano o nā koho hōʻaiʻē, i hoʻohālikelike ʻia kēlā me kēia me nā hiʻohiʻona kālā like ʻole. Inā he ʻōpio ʻoe e ʻimi nei i kou home mua, he ʻohana e ulu ana e makemake ana i kahi ākea hou aʻe, a i ʻole he mea hoʻopukapuka akamai e hoʻonui ana i kāu waihona waiwai, loaʻa iā mākou nā papahana hōʻaiʻē i hoʻolālā ʻia e hoʻokō i kāu mau pono kikoʻī. Hoʻomaopopo mākou he kūʻokoʻa kāu huakaʻi kālā, a ua hana ʻia kā mākou moraki e hoʻomau iā ʻoe a hauʻoli i kou wā e hiki mai ana.

- AAA Lendings Non-QM Easily Qualified Asset wale nō ke koho - ATR-In-Full - AAA Lendings Detail:

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Nānā nui

Polokalamu waiwai kaulana. Loaʻa i ka mea hōʻaiʻē kekahi mau waiwai, hiki ke uhi i ke kumukūʻai kūʻai a i ʻole ka hōʻaiʻē a me ka uku pani. ʻAʻole pono ka ʻike hana; ʻAʻohe DTI.

Hōʻikeʻike Polokalamu

1) A hiki i ka 75% LTV;
2) A hiki i $4M ka huina hōʻaiʻē;
3) Kahi noho kumu wale nō;
4) ʻAʻohe palena o ka nui o nā waiwai i loaʻa kālā;
5) Ma ka liʻiliʻi he 6 mahina mālama ʻia mai ke kālā ponoʻī o ka mea hōʻaiʻē.

He aha ka ATR-In-Full?

He polokalamu waiwai ka papahana ATR-In-Full, i kūpono me ka waiwai wale nō.

ʻAʻole mākou e helu i kahi DTI no nā mea noi i kūpono ma ka hōʻoia ʻana i nā waiwai wale nō ("ATR-In-Full"). Mechanically, ʻo nā loaʻa kālā a i ʻole nā hana i helu ʻia ma kahi noi e manaʻo ʻia he mea nui loa i ka underwrite. Ma ke ʻano he ʻokoʻa, hiki ke waiho hakahaka.

Kupono

Ma lalo iho nā ʻano o ka helu ʻana:
No ke kūʻai ʻana i ka hōʻaiʻē, pono e kūlike ka huina o nā waiwai i ʻae ʻia me ke kumukūʻai kūʻai me nā koina pani a pau.
Nā waiwai >= Kumu kūʻai + kumu kūʻai pani a pau
No ka hōʻaiʻē hōʻaiʻē, pono e kūlike ka huina o nā waiwai i ʻae ʻia me ka nui o ka hōʻaiʻē piha me nā koina pani.
Waiwai >= Ka nui o ka hōʻaiʻē + koina pani

E ʻike ma lalo o ka hōʻoia ʻana i nā hiʻohiʻona, hiki iā ʻoe ke kuhikuhi i nā ʻano helu helu e ʻike inā hiki iā ʻoe ke kūpono mua ma mua o ka noi ʻana i nā hōʻaiʻē me nā mea hāʻawi.

Nānā 1: Kumu kūʻai a me nā koina pani = $768,500. Loaʻa nā waiwai = $700,000 (mālama) me $45,000 (50% o IRA) = $748,000. Pōkole i $20,500. Inā he 59.5 a ʻoi paha ka mea hōʻaiʻē, ʻo ka waiwai kūpono he $700,000 + $54,000 (60% o IRA) = $754,000 a pōkole ʻia e $14,500.

Manaʻo 2: Ka nui o ka hōʻaiʻē me nā koina pani = $518,500. Loaʻa nā waiwai = $370,000 (hoʻokoe) + $100,000 (50% o IRA) = $470,000. Pōkole i $48,500. Inā he 59.5 a ʻoi paha ka mea hōʻaiʻē, waiwai kūpono = $370,000 + $120,000 (60% o IRA) = $490,000 a pōkole ma $28,500.

Na Waiwai Kupono

ʻO ke kālā, nā waiwai, nā mea paʻa a me nā waiwai wai pilikino (ʻaʻohe waiwai) = 100%.
Nā waihona hoʻomaha = 50% inā 59 a ʻoi aʻe a me 60% inā ʻoi aku.
ʻAʻohe kālā ʻoihana.

Nā kiʻi kikoʻī huahana:

Alakaʻi Huahana Pili:

No ka nui o kā mākou mea kūʻai aku, ʻoi aku ka moraki ma mua o kahi hana kālā; he mea koʻikoʻi ke ola. Inā he mea kūʻai hale mua ʻoe a i ʻole he mea kūʻai waiwai waiwai, hoʻokokoke mākou i kēlā me kēia noi me ka mālama a me ka nānā pono ʻana. Lawe mākou i ka manawa e hoʻomaopopo i kāu mau pahuhopu a me kou mau manaʻo, me ka hōʻoia ʻana e kūlike kāu moraki me kāu ʻike no kou wā e hiki mai ana. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , E hoʻolako ka huahana i nā wahi a pau o ka honua, e like me: Venezuela, Czech, Leicester, Ua hoʻopili mākou i ke kumumanaʻo o ka huki ʻana i nā mea kūʻai aku me nā mea maikaʻi loa a me ka lawelawe maikaʻi loa. Hoʻokipa mākou i nā mea kūʻai aku, nā hui ʻoihana a me nā hoaaloha mai nā wahi āpau o ka honua e hoʻokaʻaʻike mai iā mākou a ʻimi i ka launa pū ʻana no nā pono like.

- AAA Haʻawina