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

Hoʻomaopopo mākou ʻaʻole ʻo ka moraki he hana kālā wale nō akā he hoʻoholo ola koʻikoʻi. ʻO kā mākou manaʻo nui i ka mea kūʻai aku, ʻaʻole mākou e noʻonoʻo wale i nā helu; noʻonoʻo mākou i kāu moʻolelo kūʻokoʻa, nā manaʻo, a me nā pahuhopu kālā. Lawe kā mākou poʻe loea moraki i ka manawa e hoʻomaopopo i kāu huakaʻi pilikino, e hōʻoia ana e loaʻa iā ʻoe kahi hopena moraki e kūlike me kāu ʻike no ka wā e hiki mai ana.ʻO nā ʻoihana moraki kiʻekiʻe e hana ai,Helu Palekana no ka noi ana i ka moraki,Hoaie moraki, Ma AAA LENDINGS, ho'olaha ko mākou kūpa'a i ka maika'i i kā mākou hui. Haʻaheo mākou i ka loaʻa ʻana o kahi hui hoʻolaʻa o nā ʻoihana loea i ka ʻoihana moraki. ʻAʻole akamai wale kā mākou mau luna hōʻaiʻē; ʻo lākou kou mau hoa pili. Aia lākou e alakaʻi iā ʻoe ma ke kaʻina hana hoʻolimalima holoʻokoʻa, mai ka noi a i ka pani ʻana. Haʻaheo mākou i ka ʻike o kā mākou hui, e hōʻoia ana e loaʻa iā ʻoe ka pae kiʻekiʻe o ka lawelawe a me ke kākoʻo.

- 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:

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. – 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: Vancouver, Iapana, Pakistan, Me ka maikaʻi maikaʻi, ke kumukūʻai kūpono a me ka lawelawe ʻoiaʻiʻo, hauʻoli mākou i ka inoa maikaʻi. Hoʻokuʻu ʻia nā huahana i ʻAmelika Hema, Australia, Southeast Asia a pēlā aku. Hoʻokipa maikaʻi i nā mea kūʻai aku ma ka home a ma waho e hui pū me mākou no ka wā e hiki mai ana.

- AAA Haʻawina