ʻAʻole koi ʻia ka hōʻoia hana no ka ʻae ʻana i ka hōʻaiʻē

I loko o ka honua paʻakikī o ka hōʻaiʻē moraki ma US, ʻo ke koi o ka hōʻoia ʻana i ka hana he mea hina ia no ka nui o nā mea hōʻaiʻē. Eia nō naʻe, ke hoʻololi nei ʻo AAA Lendings i ka ʻoihana ma o ka hāʻawi ʻana i nā papahana hōʻaiʻē kahi i koi ʻole ʻia ai ka hōʻoia hana no ka ʻae ʻana i ka hōʻaiʻē. ʻO kēia ala hou e wehe i kahi honua o nā manawa kūpono no ka poʻe i loaʻa i nā kahawai kālā ʻole,hoohanaia, a i ʻole i loaʻa i nā pilikia i ka hāʻawi ʻana i nā hōʻoia hana kuʻuna.

ʻO AAA Lendings, me ka ʻoi aku o 15 mau makahiki o ka ʻike waiwai a me kahi moʻolelo o ka hoʻokaʻawale ʻana ma luna o $20 biliona i nā hōʻaiʻē, ua kōkua ma mua o 50,000 ʻohana. ʻO ko lākou akamai a me ko lākou kūpaʻa i ka lawelawe ʻana i nā mea hōʻaiʻē e ʻike ʻia i kā lākou ʻano huahana hōʻaiʻē. ʻO kekahi o nā makana nui ʻo ka hōʻaiʻē P&L Hoʻomākaukau ʻia. E like me ka manaʻo o ka inoa, pono nā mea hōʻaiʻē e hōʻike i kahi ʻōlelo ponoʻī i hoʻomākaukau pono ʻia. ʻAʻohe pono no ka hoʻihoʻi ʻauhau, e maʻalahi loa i ka poʻe me nā kūlana kālā paʻakikī ke kūpono i kahi hōʻaiʻē. He mea maikaʻi loa kēia no nā poʻe hana ponoʻī ʻaʻole paha i loaʻa nā palapala W-2 maʻamau a i ʻole nā ​​​​palapala uku maʻamau.

ʻO kekahi huahana kupaianaha ʻo kaDSCR(Debt Service Coverage Ratio) hōʻaiʻē. Ma kēia papahana, hoʻohana ʻia ka loaʻa kālā hoʻolimalima e hoʻokō i nā mea hōʻaiʻē. He mea hoʻololi pāʻani ia no nā mea hoʻopukapuka waiwai ʻaʻole paha i loaʻa kahi hana kuʻuna 9-a-5 akā loaʻa ka loaʻa kālā mai kā lākou mau waiwai hoʻolimalima. Me ka ʻole o ka hōʻoia ʻana i ka hana, hiki i nā mea hoʻopukapuka ke nānā aku i ka hoʻohana ʻana i kā lākou waiwai waiwai e hoʻopaʻa i kahi hōʻaiʻē.

ʻO ka hōʻaiʻē Bank Statement kahi koho ʻē aʻe ʻaʻole pono e hōʻoia i ka hana. Hiki i nā mea hōʻaiʻē ke hoʻohana i kā lākou waihona kālā e hōʻike i ko lākou kūpaʻa kālā a me ka hiki ke uku i ka hōʻaiʻē. Hāʻawi kēia i kahi ala ʻē aʻe no ka poʻe i loaʻa ke kahe kālā maʻamau akā nele i ka palapala hana maʻamau.

ʻO ka mea e hoʻokaʻawale ai iā AAA Lendings ʻaʻole wale kā lākou huahana hōʻaiʻē akā ʻo kā lākou lawelawe kūʻokoʻa. Hāʻawi lākou i ka underwriting maʻalahi, ʻo ia hoʻi ke ʻōlelo nei nā mea hāʻawi kālā ʻē aʻe "ʻAʻole," ʻōlelo lākou "ʻAe." ʻO ka manawa pani maʻamau i loko o 3 mau pule, e hōʻoia ana i kahi kaʻina hana wikiwiki a paʻa ʻole. ʻO nā kumukūʻai hoʻokūkū a me ka lawelawe pilikino e hoʻolilo iā lākou i koho maikaʻi loa no nā mea hōʻaiʻē. E like me ka hōʻike ʻana o nā mea kūʻai aku, hana ka hui ma AAA Lendings a puni ka uaki e pana i nā hihia i mua a hāʻawi i nā wehewehe wehewehe i kēlā me kēia pae o ke ala.

I ka hopena, inā pilikia ʻoe i ka loaʻa ʻana o kahi hōʻaiʻē ma muli o nā pilikia hōʻoia hana, aia ʻo AAA Lendings e kōkua. ʻO kā lākou mau papahana hōʻaiʻē ʻaʻole pono e hōʻoia i ka hana hiki ke hoʻohuli i kāu mau moemoeā home. Mai ʻae i ka nele o ka hōʻike hana kuʻuna e hoʻopaʻa iā ʻoe. E kiʻi aku iā AAA Lendings i kēia lā a hana i ka hana mua i kou home hou.