– AAA Lendings Non-QM Non-DTI ratio Program – Asset Depletion (Asset Only) – AAA Lendings Details:
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:
ʻAʻole ʻo AAA LENDINGS he mea hāʻawi wale; ʻo mākou kāu hoa pili kālā. Lawe mākou i ka manawa e hoʻolohe ai i kāu mau pahuhopu kālā a me kou mau manaʻo, e hāʻawi ana i ke alakaʻi ma waho o ke kaʻina noi. ʻO kā mākou kūpaʻa i kou pono kālā e ʻoi aku ma mua o ka pani ʻana i ka ʻaelike, a ua hoʻolaʻa mākou i ke kōkua ʻana iā ʻoe e hoʻokō i kāu mau pahuhopu no ka wā lōʻihi, inā ʻo ia ka home, ka waiwai waiwai, a i ʻole ka hoʻohui ʻana i ka aie. – 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: Kyrgyzstan, Ottawa, Armenia, Me kahi ʻōnaehana kūʻai kūʻai kūʻai kūʻokoʻa piha a me 300 mau limahana akamai i ka hana ikaika, ua hoʻomohala kā mākou hui mai nā papa haʻahaʻa a hiki i ka papa haʻahaʻa. Hāʻawi kēia koho holoʻokoʻa o nā huahana maikaʻi i kā mākou mea kūʻai aku i nā koho like ʻole. Ma waho aʻe o kēia, pili kā mākou hui i ke kumukūʻai kiʻekiʻe a me ke kumukūʻai kūpono, a ke hāʻawi pū nei mākou i nā lawelawe OEM maikaʻi i nā hōʻailona kaulana he nui.
Na Phoenix mai Adelaide - 2017.10.13 10:47 Hiki i ka hui ke noʻonoʻo i ko mākou manaʻo, ka wikiwiki o ka wikiwiki e hana i ka pono o ko mākou kūlana, hiki ke ʻōlelo ʻia he hui kuleana kēia, ua hauʻoli mākou i ka hui!
Na Debby mai New Orleans - 2018.07.26 16:51 
