– AAA Lendings Non-QM Non-DTI ratio Program – Asset Depletion (Asset Only) – AAA Lendings Detail:
Nānā nui
ʻAʻole kūpono nā mea ʻaiʻē a pau i nā pahu i koi ʻia e nā mea hāʻawi kālā maʻamau. ʻO kekahi poʻe hōʻaiʻē he mau mea hoʻopukapuka, hana pilikino, ʻoihana, hoʻomaha, a i ʻole e noho wale ana i kā lākou hoʻopukapuka. He poʻe kuleana kālā lākou, akā ʻaʻohe kumu o ka loaʻa kālā maʻalahi.
AAA LENDINGS ʻO nā polokalamu hoʻopau waiwai o ka moraki e ʻae i kēia ʻano o ka poʻe ʻaiʻē e hoʻohana i kā lākou waiwai pilikino a ʻoihana i mea e kūpono ai i kahi moraki home.
Hōʻikeʻike Polokalamu
1) A hiki i $2.5M ka nui o ka aie;
2) A hiki i ka 80% LTV;
3) ʻO ka lākiō DTI he 50%;
4) Hiki ke ʻae ʻia ke kālā kālā;
5) ʻAʻole koi ʻia ka ʻike hana ma ka noi hōʻaiʻē;
He aha ka waiwai waiwai?
• ʻAʻole hiki i kāu hana a i ʻole kāu loaʻa kālā ke kūpono i kahi hōʻaiʻē moraki?
• Ua lawa anei kāu waiwai i kāu moʻokāki?
• Ua kūʻai wale aku ʻoe i hoʻokahi waiwai a makemake e kūʻai i hale hou?
• ʻAʻole ʻoe makemake e hoʻolako i nā ʻano palapala loaʻa kālā?
• Ke noʻonoʻo nei ʻoe pehea e ʻae ai ka poʻe hāʻawi kālā i kāu hōʻaiʻē me ka noʻonoʻo ʻole i ka ratio DTI?
Kōkua ʻo Asset Depletion/Utilization i kēia poʻe noi inā ʻoe i kēia mau kūlana. He papahana Non-QM maʻamau, i kapa ʻia ʻo “waiwai wale nō”. ʻAʻole pono nā mea hōʻaiʻē e hāʻawi i ka ʻike hana a i ʻole nā palapala loaʻa kālā ke noi lākou no ka Hoʻopau waiwai.
Hiki ke hoʻohana ʻia ʻo ia wale nō ke kumu o ka loaʻa kālā no ka hōʻaiʻē ʻana a i ʻole e hoʻohui i nā kumu kālā ʻē aʻe. Hoʻokuʻu ʻia nā koi waiwai liʻiliʻi ma lalo o ke ʻano hōʻoia ke hoʻohana ʻia e hoʻohui i nā kumu waiwai ʻē aʻe, .
ʻO nā pōmaikaʻi o ka hoʻopau ʻana i ka waiwai
1) ʻAʻole pono e hāʻawi i nā palapala loaʻa kālā;
2) Ke kumu mua wale nō;
3) Liʻiliʻi nā palapala;
4) He maʻalahi ke kūpono.
Koi waiwai
Pono ka waiwai a loaʻa me ka uku ʻole; hiki ke noi ʻia nā palapala hou e hōʻoia i ke kumu o ke kālā:
• 100% o ka nānā ʻana, mālama kālā, a me nā moʻokāki makeke kālā;
• 70% o nā waihona, nā bona, a me nā kālā hui;
• 70% o nā waiwai hoʻomaha: kūpono inā ʻo ka mea hōʻaiʻē he makahiki hoʻomaha (ma ka liʻiliʻi he 59 ½);
• 60% o nā waiwai hoʻomaha: kūpono inā ʻaʻole i piha ka makahiki hoʻomaha.
Na Waiwai Kupono ole
No kēia papahana, hiki i nā mea hōʻaiʻē ke mālama i nā palena ma lalo. ʻAʻole hiki ke hoʻohana i kekahi mau ʻano waiwai:
• Kaulike ma ka Waiwai Paa;
• Kūʻai kūʻokoʻa a i ʻole nā mea kūʻai aku i ʻae ʻia;
• ʻO nā waiwai i loaʻa ka loaʻa kālā i hoʻokomo mua ʻia i loko o ka helu kālā:
• Kekahi waiwai i paa ma ka inoa o ka oihana.
Nā kiʻi kikoʻī huahana:
Alakaʻi Huahana Pili:
ʻO kā mākou kūpaʻa i ka maikaʻi a me ka hoʻolaʻa ʻana i kā mākou mea kūʻai aku ua paipai iā mākou e hoʻonui i kā mākou hana ma nā mokuʻāina 45, me Arizona, Kaleponi, Washington DC, Florida, Nevada, a me Texas, a me nā mea ʻē aʻe. Akā naʻe, ʻaʻole i wehewehe wale ʻia kā mākou holomua e nā helu. ʻO ka helu ʻana o nā loiloi maikaʻi a me ka maikaʻi ʻōlelo-o-waha kaulana a mākou i hōʻiliʻili ai i mea hōʻike i ka hilinaʻi a me ka hilinaʻi a ka mākeke i kau mai ai iā mākou. – AAA Lendings Non-QM Non-DTI ratio Program – Asset Depletion (Asset Only) – AAA Lendings , Hāʻawi ka huahana i nā wahi a pau o ka honua, e like me: Wellington, Vancouver, Jordan, Welina mai e kipa i kā mākou hui, hale hana a me kā mākou lumi hōʻikeʻike kahi e hōʻike ai i nā huahana lauoho like ʻole e kūpono i kou manaʻo. I kēia manawa, kūpono ke kipa ʻana i kā mākou pūnaewele, a e hoʻāʻo kā mākou limahana kūʻai i kā lākou mea maikaʻi loa e hāʻawi iā ʻoe i ka lawelawe maikaʻi loa. E ʻoluʻolu e kelepona mai iā mākou inā makemake ʻoe i ʻike hou aku. ʻO kā mākou pahuhopu ke kōkua i nā mea kūʻai aku e hoʻomaopopo i kā lākou mau pahuhopu. Ke hana nui nei mākou e hoʻokō i kēia kūlana lanakila-lanakila.
Na Erin mai Philadelphia - 2017.09.09 10:18 ʻAʻole wale ka ʻenehana kiʻekiʻe o ka ʻenehana o ka hale hana, ʻoi aku ka maikaʻi o ko lākou pae Pelekane, he kōkua nui kēia i ke kamaʻilio ʻenehana.
Na Susan mai Tunisia - 2018.11.06 10:04 
