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

ʻO kā mākou kūpaʻa i ka ʻike maopopo ʻoi aku ma mua o nā pae mua o ke kaʻina moraki. Hoʻomaopopo mākou i ka ʻike maopopo ʻana i kāu mau moraki, me ka uku pānaʻi, nā uku, a me nā koina pani. ʻAʻohe mea kupanaha i ka lā pani. Hoʻolaʻa mākou i ka hāʻawi ʻana iā ʻoe i nā wehewehe pololei, jargon-free, no laila hiki iā ʻoe ke hoʻokele me ka hilinaʻi i nā ʻaoʻao kālā o kāu kūʻai ʻana i ka home a i ʻole ke kālā hou.ʻO ka Underwriter Desktop maikaʻi,ʻO Illinois Mortgage Broker a i ʻole mea hāʻawi,Papa moraki, AAA LENDINGS i ka hana ʻana i kāu huakaʻi moraki i ʻike e hoʻoikaika maoli iā ʻoe. Hoʻomaopopo mākou ʻo ka manaʻolana o ka hoʻopaʻa ʻana i kahi moraki he mea hoihoi a paʻakikī hoʻi. ʻO ia ke kumu i hana ai mākou i kahi ala hoʻokae-centric ʻaʻole i maʻalahi wale i ke kaʻina hana akā hoʻoikaika pū a hoʻonaʻauao iā ʻoe i kēlā me kēia pae. ʻO kā mākou pahuhopu ka hoʻokō ʻana i kāu mau moemoeā home ʻoiai e mālama ana iā ʻoe i ka ʻike a me ka hauʻoli e pili ana i ke kaʻina hana.

- 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:

ʻAʻole i kaupalena ʻia ka moeʻuhane o ka hale kūʻai hale. Ma AAA LENDINGS, loaʻa iā mākou nā papahana kūikawā e mālama i nā mea hōʻaiʻē kuʻuna ʻole. Inā hoʻohana ʻoe iā ʻoe iho, loaʻa ka loaʻa kālā fluctuating, a i ʻole ke alo i nā kūlana kālā kūʻokoʻa, hiki i kā mākou koho hōʻaiʻē ke hopu i kou hoihoi. Hoʻopili mākou i ka ʻokoʻa i ka poʻe hōʻaiʻē a ʻimi ikaika i nā hāʻina hōʻaiʻē hou, e hōʻoiaʻiʻo ana e hoʻomau kāu huakaʻi i ka ʻona home, me ka ʻole o kāu kūlana kālā. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Hāʻawi ka huahana i nā wahi a pau o ka honua, e like me: Bahamas, Malawi, Bangladesh, He mau hoʻohālike lōʻihi lākou a hoʻolaha maikaʻi ma ka honua holoʻokoʻa. ʻAʻohe mea e nalowale ana i nā hana koʻikoʻi i ka manawa pōkole, pono ia no ʻoe iho o ka maikaʻi maikaʻi. Alakaʻi ʻia e ke kumu o ka Prudence, Efficiency, Union and Innovation. Ke hana nei ka ʻoihana i ka hoʻoikaika nui e hoʻonui i kāna kālepa honua, hoʻonui i kāna ʻoihana. rofit a hoʻomaikaʻi i kāna pālākiō i waho. Ua hilinaʻi mākou e loaʻa iā mākou kahi manaʻo ikaika a e hoʻolaha ʻia a puni ka honua i nā makahiki e hiki mai ana.

- AAA Haʻawina