ʻŌlelo Bank – He Luʻu hohonu
Hoʻolauna
A hōʻike panakōʻO ka hōʻaiʻē he ʻano moraki e hiki ai i nā mea hōʻaiʻē ke hoʻokō ma muli o nā ʻōlelo panakō ma mua o nā ʻano hōʻoia kālā kuʻuna.Ua hoʻomohala mua ʻia kēia ʻano hōʻaiʻē no ka poʻe ʻaiʻē paʻa, nā mea ʻoihana liʻiliʻi, a me nā ʻaelike kūʻokoʻa i loaʻa nā kahawai waiwai ʻole.
Ma kahi palapala moraki kuʻuna, pono ʻoe e hāʻawi i nā ʻōlelo uku uku W-2, nā hoʻihoʻi ʻauhau loaʻa, a i kekahi manawa e uku i nā stubs e hōʻoia i kāu loaʻa kālā.Eia nō naʻe, no nā poʻe ʻaʻole i hana maʻamau, ʻaʻole hiki i kēia mau palapala ke hōʻike piha i ko lākou hiki kālā.
Eia kahi ahōʻike panakōhiki mai ka hōʻaiʻē. No ke kūpono ʻana i kēia ʻano hōʻaiʻē, ma kahi o ka hoʻihoʻi ʻauhau a i ʻole W-2, e hāʻawi ʻoe i 12 a 24 mau mahina o ka waihona kālā.A laila e helu ka mea hāʻawi i kāu loaʻa ma muli o ke kālā i waiho ʻia i kāu mau moʻokāki i kēlā manawa.
No ka hoʻomaopopo ʻana i ke koʻikoʻi o kahi ʻōlelo panakō, e ʻimi hou kākou i kāna mau kikoʻī, e pili pū ana i nā huaʻōlelo koʻikoʻi e like me 'kālā makana', a me ka 'uku uku mua.'
ʻO nā kālā makana ma nā ʻōlelo Banako
ʻO nā kālā makana e pili ana i ke kālā i hāʻawi ʻia e kekahi ʻohana a i ʻole hoa pili i hoʻohana ʻia e kōkua i ke kūʻai ʻana i hale.ʻO ka maʻamau, hoʻohana ʻia kēia mau kālā i ka uku hoʻohaʻahaʻa a i ʻole nā koina pani o kahi moraki.ʻO nā kumu maʻamau o nā kālā makana nā mākua, nā kūpuna, a i ʻole nā ʻohana pili pili.Eia naʻe, he mea nui e hoʻomaopopo he makana maoli kēia mau kālā a ʻaʻole he hōʻaiʻē e uku ʻia, inā ʻaʻole pili ia i ka ratio o ka mea hōʻaiʻē i ka loaʻa kālā.
No ka pilina ma waena o nā kālā makana a mehōʻike panakōnā hōʻaiʻē, hiki ke hoʻohana pū ʻia nā mea ʻelua.I ka noi ʻana i kahi hōʻaiʻē hōʻaiʻē panakō, e loiloi ka hui hāʻawi i ka hiki o ka mea ʻaiʻē ke uku ma muli o nā ʻōlelo panakō.Inā hoʻohana ʻia nā kālā makana ma ke ʻano he ʻāpana o ka uku mua, pono lākou e hōʻike ʻia ma nā ʻōlelo panakō a hoʻopaʻa pono ʻia.
No ka poʻe hana ponoʻī a loaʻa ʻole ka loaʻa kālā kuʻuna, ʻo nā hōʻaiʻē hōʻike panakō i hui pū ʻia me nā kālā makana hiki ke lilo i ala kōkua e hoʻopaʻa i kahi moraki.Eia nō naʻe, ʻo ka ʻike a me nā palapala kūpono ke kī e hōʻoia i ka ʻae ʻia ʻana o nā ʻano kālā āpau a ʻae ʻia e ka ʻoihana hāʻawi.
Hoopa'i Uku Mua
ʻO ka hoʻopaʻi hoʻopaʻi mua he māhele ia i loko o kahi ʻaelike moraki e ʻōlelo ana e uku ʻia ka mea ʻaiʻē inā uku lākou i ka moraki ma mua o ka pau ʻana o kāna kau.ʻO ke kumu o kēia, ʻo ka manaʻo o ka poʻe hāʻawi kālā e uku ʻia i ke ola o ka hōʻaiʻē, a inā ʻoe e uku mua i ka hōʻaiʻē, nele lākou i kekahi o ia ukupanee.ʻO ka uku hoʻopaʻi mua e kōkua i ka hoʻopau ʻana i kēia uku uku.
Eia nō naʻe, e hoʻomaopopo ʻia e like me ke kānāwai federal US, ua kapu ʻia nā mea hāʻawi kālā mai ka hoʻokau ʻana i ka hoʻopaʻi uku mua ma mua o nā makahiki ʻekolu o ka manawa hōʻaiʻē.ʻO kā mākouhōʻike panakōʻO ka hoʻopaʻi uku mua o ka papahana ka 5% o ke koena o ka hōʻaiʻē koena.
Ka hopena
I ka hopena, kahōʻike panakōʻO nā hōʻaiʻē, nā kālā makana, a me nā hoʻopaʻi i uku mua ʻia hiki ke hui pinepine.ʻO ka hoʻomaopopo ʻana i nā nuances o kēia mau mea kālā ke kī nui i ka mālama ʻana i kāu olakino kālā a me ka loaʻa ʻana o ka ʻae ʻana i ka hōʻaiʻē kūleʻa.Inā ʻo ʻoe ka mea hāʻawi kālā makana a loaʻa paha iā lākou, a i ʻole e hoʻolālā ana e uku i kāu hōʻaiʻē ma mua, e mālama ana i kahi ʻōlelo panakō piha a me ka hoʻomaopopo ʻana i nā ʻōlelo kikoʻī o kāu hōʻaiʻē hiki ke mālama i ke kālā a pale i kou wā e hiki mai ana.
No AAA Lendings
Hoʻokumu ʻia i ka makahiki 2007, ua lilo ʻo AAA Lendings i mea hōʻaiʻē moraki alakaʻi me nā makahiki he 15 o ka maikaʻi.Hāʻawi kā mākou pōhaku kihi i ka lawelawe like ʻole a me ka hilinaʻi, e hōʻoia ana i ka ʻoluʻolu loa o kā mākou mea kūʻai.
He mea kūikawā ma kahi ākea o nā huahana Non-QM-meʻAʻole Doc ʻAʻohe ʻaiʻē, P&L i hoomakaukau ia iho, WVOE, DSCR, Waihona Waihona, Jumbo, HELOC, Hoʻopau Hope ʻEluanā papahana—alakaʻi mākou i ka mākeke hōʻaiʻē 'Non-QM'.Hoʻomaopopo mākou i ka paʻakikī o ka loaʻa ʻana o nā hōʻaiʻē a loaʻa iā mākou kahi 'Loan Arsenal' e hoʻokō i kēia mau pilikia.ʻO kā mākou komo mua ʻana i ka mākeke Non-QM ua hāʻawi iā mākou i ka ʻike kūikawā.ʻO kā mākou mau hana paionia ʻo ia hoʻi mākou e hoʻomaopopo i kāu mau pono kālā.Me nā AAA Lendings, ʻoi aku ka maʻalahi a hiki ke loaʻa i kāu mau pahuhopu kālā.
Ua kōkua mākou ma kahi o 50,000 mau ʻohana i ka hoʻokō ʻana i kā lākou mau moemoeā kālā, me ka hāʻawi kālā ʻana ma mua o $ 20 biliona.ʻO ko mākou kūlana koʻikoʻi ma nā wahi koʻikoʻi e like me AZ, CA, DC, FL, NV, a me TX e hiki ai iā mākou ke lawelawe i ka lehulehu ākea.
Me ka ʻoi aku o 100 mau ʻelele i hoʻolaʻa ʻia a me nā hui underwriting a me nā hui loiloi hale, hōʻoia mākou i kahi kaʻina hōʻaiʻē maʻalahi a me ke kaumaha ʻole.
Ka manawa hoʻouna: Nov-16-2023