Kikowaena Huahana

Nānā nui

ʻO Diamond Jumbo, no ka poʻe ʻaiʻē hiki ʻole ke hana i ka Jumbo non-agency. ʻOi aku ka nui o ka hōʻaiʻē / DTI kiʻekiʻe / LTV kiʻekiʻe / mau waiwai kālā palena ʻole.

Nā kikoʻī

1) DTI kiʻekiʻe 55%;
2) A hiki i $4M ka huina hōʻaiʻē;
3) A hiki i ka 80% LTV;
4) ʻAʻohe MI (Inikua moraki);
5) 660 a ʻoi aku paha nā helu ʻaiʻē;
6) 6 a ʻoi aʻe nā mahina mālama;
7) Loaʻa ka hoʻihoʻi ʻauhau makahiki 1.

He aha kēia papahana?

Ua hālāwai paha ʻoe ma lalo o ke kūlana?
• ʻAʻole hiki i ka mea hāʻawi ke ʻae i kāu noi nui ʻaiʻē?
• ʻAʻole hiki iā ʻoe ke kiʻi i ka LTV kiʻekiʻe āu e makemake ai?
• ʻAʻole hiki i nā mea hōʻaiʻē jumbo ʻole ke hāʻawi iā ʻoe i nā hōʻaiʻē kālā?
• Ua koi ka mea hāʻawi iā ʻoe e kūʻai i MI(Mortgage Insurance)?
Inā ua hālāwai ʻoe i kēia mau kūlana hilahila, a laila ʻaʻohe hopohopo. Loaʻa i nā mea hāʻawi kālā ʻole QM nā papahana like, e like me nā hōʻaiʻē ʻoihana. Eia nō naʻe, ʻoi aku ka haʻahaʻa o ka poʻe hāʻawi kālā Non-QM me {Full Docs} huahana hōʻaiʻē ma mua o nā huahana hōʻaiʻē Full Documents. ʻOi aku kāu koho i kēia manawa. ʻO kahi mea nui āu e mālama ai, ʻo ia: Hiki iā ʻoe ke noi no kēia papahana inā ʻaʻole hiki iā ʻoe ke kūpono me kahi hōʻaiʻē FNMA a i ʻole FHMLC.

He aha ka ʻokoʻa o kēia papahana Non-QM Full Document me ka polokalamu ʻoihana Full qualify?

Ma ka laulā, hiki i ka hapa nui o nā mea noi ke noi no ka hōʻaiʻē Jumbo maʻamau no ke kumu o ka nui o ka hōʻaiʻē. Eia nō naʻe, i kā mākou ʻike, ʻaʻole maʻalahi ka papahana Jumbo maʻamau e pani. Ua kaupalena ka papahana i nā koi ma mua o nā hōʻaiʻē ʻoihana, a ua lōʻihi hoʻi ka manawa huli.

Eia nō naʻe, ma lalo o kekahi mau kūlana, ʻaʻole hiki i nā mea noi ke hoʻokō a hoʻomau i ka papahana Jumbo maʻamau, no ka mea hiki iā lākou ke hana i kahi huahana Non-QM, e hoʻokō i kā lākou kumu, e like me ka nui o ka hōʻaiʻē nui / Cash-out / LTV / Credit score, etc.

Loaʻa kā mākou Non-QM Full Income Documentation i ka poʻe hōʻaiʻē me nā hōʻaiʻē jumbo a me nā hōʻaiʻē conforming e hāʻule wale ana ma waho o nā palena no nā Mortgages Qualified. ʻAʻole pono e kūʻai ʻia nā hōʻaiʻē ma kēia papahana i kekahi Keʻena Aupuni.

He aha nā pōmaikaʻi?

Ma hope o ka heluhelu ʻana i nā huaʻōlelo i luna, eia ka hōʻuluʻulu pōmaikaʻi no kāu ʻike:

ʻOi aku ka nui o ka hōʻaiʻē ma mua o nā hōʻaiʻē ʻoihana;
Lakiō DTI kiʻekiʻe, nā palena haʻahaʻa;
ʻAʻole pono ka MI (Mortgage Insurance);
ʻAe ʻia ke kālā hoʻopuka;
LTV kiʻekiʻe, ʻoi aku ka kiʻekiʻe ma mua o nā hōʻaiʻē ʻoihana.