Wholesale - AAA Lendings Non-QM Non-DTI ratio Program – Hoʻopau waiwai (Asset Only) – AAA Lendings mea hāʻawi a me nā mea hoʻopukapuka

Huahana Huahana

No ka nui o kā mākou mea kūʻai aku, ʻoi aku ka moraki ma mua o kahi hana kālā; he mea koʻikoʻi ke ola. Inā he mea kūʻai hale mua ʻoe a i ʻole he mea kūʻai waiwai waiwai, hoʻokokoke mākou i kēlā me kēia noi me ka mālama a me ka nānā pono ʻana. Lawe mākou i ka manawa e hoʻomaopopo i kāu mau pahuhopu a me kou mau manaʻo, me ka hōʻoia ʻana e kūlike kāu moraki me kāu ʻike no kou wā e hiki mai ana.Uku Moraki Kiekie,ʻO ka mea kūʻai moraki vs ka mea hoʻokumu i ka moraki,Loaʻa kālā, Hoʻomaopopo mākou he waiwai nui ka ʻona home, a makemake ʻoe e hōʻoiaʻiʻo e hana ana ʻoe i ka koho kūpono. ʻO ia ke kumu e hāʻawi ai mākou i nā lawelawe pre-approval e hopu i kou hoihoi. He wikiwiki a maʻalahi kā mākou kaʻina hana mua, hāʻawi iā ʻoe i kahi kiʻi maopopo o kāu hiki ke hōʻaiʻē. Me kēia ʻike i ka lima, hiki iā ʻoe ke ʻimi me ka hilinaʻi i ka mākeke waiwai, me ka ʻike he mea kūʻai koʻikoʻi ʻoe a mākaukau.

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

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Nānā nui

Ua kūʻai aku kekahi mea hōʻaiʻē i kā lākou ʻoihana miliona miliona a laila loaʻa ka home o kā lākou mau moeʻuhane akā ʻaʻohe kumu kālā e palapala ai.

Nā kikoʻī

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) Ua ʻae ʻia ka loaʻa kālā;
5) ʻAʻole pono ka ʻike hana ma ka noi hōʻaiʻē;
6) Puʻunaue ka waiwai i 84 a i ʻole nā ʻōlelo hōʻaiʻē paʻa no ka loaʻa ʻana o ka loaʻa kālā kūpono i ka mea ʻaiʻē.

He aha ka papahana?

• 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 kūlana. He papahana Non-QM maʻamau, i kapa ʻia ʻo “waiwai wale nō”. ʻAʻole pono ʻoe e hāʻawi i ka ʻike hana a me nā palapala loaʻa ke noi ʻia no kēia papahana.
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. Ke hoʻohana ʻia e hoʻohui i nā kumu waiwai ʻē aʻe, ua hoʻokuʻu ʻia nā koi waiwai liʻiliʻi ma lalo o ke ʻano o ka hōʻoia.

He aha ka pōmaikaʻi?

1) ʻAʻole pono e hāʻawi i nā palapala loaʻa kālā;
2) ʻO ka hale kumu wale nō;
3) Nā palapala hōʻemi
4) He maʻalahi ke kūpono

He aha nā waiwai e hiki ke hoʻohana ʻia no kēia papahana?

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.

ʻAʻole kūpono nā waiwai no ka pau ʻana

No kēia polokalamu, hiki iā ʻoe ke mālama i nā palena ma lalo. ʻAʻole hiki ke hoʻohana ʻia kekahi mau ʻano ʻano ʻoiai hiki iā ʻoe ke hoʻohana i kēia mau waiwai iā ʻoe iho:

• Kaulike ma ka Waiwai Paa;
• Kūʻai kūʻokoʻa a i ʻole nā mea kūʻai aku i ʻae ʻia;
• ʻO kēlā me kēia 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:

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. – 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: Rio de Janeiro, Russia, Kanada, 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.

- AAA Haʻawina