Wholesale - AAA Lendings Non-QM Non-DTI ratio Program – Hoʻopau waiwai (Asset Only) – AAA Lendings mea hāʻawi a me nā 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.ʻOi aku ka ʻoihana ʻoihana moraki,Wahi a ka poe hoaai moraki,Home Equity Loan, Ma AAA LENDINGS, ʻo mākou kāu hoa no ka wā lōʻihi. Hoʻolālā ʻia kā mākou mau lawelawe ma hope o ka pani ʻana e hoʻomau iā ʻoe ma hope o ka paʻa ʻana o kāu moraki. Hāʻawi mākou i nā kumuwaiwai hoʻomau, e like me nā ʻōlelo aʻoaʻo no ka mālama ʻana i ka home, ke alakaʻi ʻana i ka hoʻopukapuka kālā, a me ka nānā ʻana i ka moraki i kēlā me kēia manawa e hōʻoia i kāu mau pahuhopu kālā ma ke ala. ʻAʻole pau ko mākou pilina me ʻoe i ka pau ʻana; he hoʻopaʻa paʻa i kou pono kālā.

– AAA Lendings Non-QM Non-DTI ratio Program – Asset Depletion (Asset Only) – AAA Lendings Detail:

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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, pono e ʻike nā mea hōʻaiʻē 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:

Hoʻomaka ka hoʻolālā ʻana i kou wā e hiki mai ana me ka hoa moraki kūpono, a ma AAA LENDINGS, ua kūpaʻa mākou e kōkua iā ʻoe e hoʻokō i kāu mau moemoeā. Hoʻomaopopo mākou he mea hoʻohauʻoli ka huakaʻi i ka ʻona home akā paʻakikī hoʻi. ʻO kā mākou poʻe loea i ʻoi aku ma mua o ka poʻe loea moraki; ʻo lākou kou mau hoa pili kālā. Loaʻa iā lākou e kūkākūkā i kāu mau pahuhopu, loiloi i kāu kūlana kālā, a hāʻawi i ke alakaʻi pilikino e hopu i kou hoihoi. Haʻaheo mākou no ka lilo ʻana i lima alakaʻi e hāʻawi iā ʻoe i nā manaʻo hoʻoholo no ka wā e hiki mai ana. – AAA Lendings Non-QM Non-DTI ratio Program – Asset Depletion (Asset Only) – AAA Lendings , E hoʻolako ka huahana i nā wahi a pau o ka honua, e like me: Istanbul, Belize, Costa rica, Uhi kā mākou hale hana i kahi ʻāpana o 12,000 square meters, a he 200 mau kānaka, aia i loko o 5 mau luna ʻenehana. He loea mākou i ka hana ʻana. Loaʻa iā mākou ka ʻike waiwai i ka lawe ʻana aku. Welina mai e hoʻokaʻaʻike mai iā mākou a e pane koke ʻia kāu nīnau.

- AAA Haʻawina