Kikowaena Huahana

Nānā nui

Kūʻokoʻa ʻElua hōʻaiʻē.
ʻAe ʻia ka hōʻaiʻē ʻelua wale nō.
15 Makahiki Kau. Nā koho manawa ʻē aʻe（5 makahiki, 10 makahiki, 20 makahiki, 30 makahiki).

* Pono ka moraki mua o ka waiwai kumu.
* Hiki ke loaʻa kēia polokalamu ma AZ,CA,CO,FL,GA,IL,MD,MI,MN,OH,OR,PA,SC,VA,WA.

Nā kikoʻī

1) ʻAʻohe hoʻopaʻi uku mua;
2) 1 Unit & A hiki i 90% CLTV;
3) Min FICO 680;
4) Ka nui o ka hōʻaiʻē $250,000;
5) Pono ka home Primary & Second.
6) Loaʻa ka Piggyback

Kuhikuhi Aie

(1) Inā he mau ʻauhau kālā Federal i uku ʻole ʻia, e hāʻawi i ka ʻaelike hoʻokaʻawale me ka IRS, hōʻike i ka mōʻaukala uku e hōʻike ana ma ka liʻiliʻi o 1 ka uku ʻana a ʻo ka mea ʻaiʻē i kēia manawa, a hoʻokomo i ka uku o kēlā me kēia mahina i nā kuleana aie o ka mea ʻaiʻē. Pono paha e hōʻoia i ka uku ʻauhau loaʻa no ka hōʻoia ʻana ʻaʻohe ʻauhau i hala.
(2) Pono e uku ʻia nā ʻauhau ma mua a ma mua paha o ka pani ʻana
(3) ʻAʻohe hewa moraki (0×30) i nā mahina he 24 i hala
(4) No ka hoʻomanawanui ʻana o ka moraki a i ʻole nā ​​ʻaelike hoʻopaneʻe uku i hana ʻia i ka wā maʻi COVID-19, pono e hana ka mea hōʻaiʻē ma ka liʻiliʻi he 6 mau uku hale kaʻawale i ka manawa a ma kahi o 6 mau mahina i hala mai ka pau ʻana o ka hoʻonohonoho hoʻomanawanui.
(5) Pono nā mea hōʻaiʻē i kēia manawa ma nā ʻaiʻē moraki a pau
(6) ʻAʻohe hoʻokolokolo, hoʻihoʻi a hoʻopaʻa ʻole i nā mahina he 60 i hala
(7) Ua manaʻo ʻia kēia mau mea he hewa koʻikoʻi, me ka nānā ʻole i ka manaʻo o AUS; ʻAʻole ʻae ʻia nā mea hōʻaiʻē me kēia mau moʻolelo a hiki i ka hala ʻana o 7 mau makahiki mai ka wā i hana ʻia ai a ua hoʻokumu hou ʻia ka hōʻaiʻē.
①Bankruptcy ②Foreclosure / Deed in Lieu of Foreclosure ③Short Sales or Short Payoff ④Mortgage modification, forbearance or deferment (koe ka COVID-19 pili)

Kuhikuhi Nui

(1) DTI kiʻekiʻe 43,000%
(2) Loaʻa ka helu kūpono ma ka helu memo mua.
(3) Loaʻa nā waiwai / kālā e pani / mālama i nā koi pili mua
(4) ʻAʻole hiki ke mālama ʻia ke poʻo inoa ma ka inoa o kahi hilinaʻi.
(5) Ua ʻae ʻia nā POA no nā ʻano kālepa a pau akā pono e uhi i ka hana lien 2nd inā hoʻohana ʻia.
(6) ʻAʻole kūpono ka hoʻolimalima
(7) ʻAʻohe uku mua akā koi ʻia e hiki ke uku ʻia kekahi hōʻaiʻē a i ʻole e hoʻemi ʻia ke kumu ma mua o 20% o ke koena ma hope o 180 mau lā o ka lā kālā.
(8) ʻAʻole e hana ʻo AAA LENDINGS i nā Ballons HPML (APR > 15 Makahiki Paʻa APOR +3.5%)