11/17/2023

I ke ola, ʻike pinepine mākou i nā hanana i manaʻo ʻole ʻia e pono ai ke koi koke i ke kālā.Inā ʻike ʻoe iā ʻoe iho i ka nele i ke kālā no kekahi kumu akā makemake ʻoe e pale i ka hoʻihoʻi kālā ʻana, hiki i kahi moraki ke lilo i hopena maikaʻi loa e loaʻa kālā.Ma ke kaomi ʻana i ke kaulike o kou home a me ka unuhi ʻana i ka uku panee o kāu moraki ʻelua mai kāu moraki mua, hiki iā ʻoe ke hoʻohana i ke kaulike o kou home me ka ʻole o ka pili ʻana i ka uku panee o kāu moraki mua a me ka pono ʻole e hoʻihoʻi kālā.

He aha ka moraki lua pani pani?

A Paʻa-hopena ʻEluaʻO ka moraki (CES Loan) kahi ʻano o ka moraki ʻelua e hiki ai iā ʻoe ke hoʻohana i kāu kaulike home me ka ʻole e pili ana i ka uku panee o kāu moraki mua.ʻO kekahi mau moraki ʻelua he "open-ended," ʻo ia hoʻi, hiki iā ʻoe ke hoʻomau i ka huki kālā a hiki i ka palena kiʻekiʻe a laila huki hou i ka uku ʻana, e like me ka laina o ka hōʻaiʻē.Eia nō naʻe, ʻo ka moraki ʻelua "paʻa-hope" ʻo ia ka mea e loaʻa iā ʻoe ka nui o ka hōʻaiʻē holoʻokoʻa i hoʻokahi pūʻulu kālā a ʻaʻole hiki ke huki kālā hou ma hope o ka loaʻa ʻana o ka hōʻaiʻē.

Hōʻike manaʻo papahana:
- Nā koho loaʻa kālā ʻē aʻe.
- loiloi underwriting maʻalahi.
- ʻAe i nā ʻano noho a pau.
- E ʻae i ka poʻe ʻaiʻē e hoʻolilo kālā me ka hoʻololi ʻole i ka uku panee o kā lākou moraki mua.
- Pōmaikaʻi no ka hoʻohui ʻana i ka aie, ka hoʻoponopono ʻana i ka home, a me nā hanana ola i manaʻo ʻole ʻia.

No ke aha e koho ai i kahi moraki ʻelua i pani ʻia:
1. Waiwai wikiwiki
ʻO kēia ʻano hōʻaiʻē e hiki ai i nā mea hale ke komo koke i kahi huina kālā nui.ʻAʻole i kaupalena ʻia ka hoʻohana ʻana i kēia mau kālā—hiki iā ʻoe ke hoʻohana ia mau mea e uku ai i nā aie, e hoʻopaʻa kālā i ka hoʻonaʻauao hou ʻana, a i ʻole e hana hou i nā hale nui me ka ʻole e hoʻohana i nā hōʻaiʻē pilikino a i ʻole nā ​​​​mea ʻē aʻe.
2. Uku Uuku Paa
Inā koho ʻoe i kahiHome Equity Line of Aie (HELOC), e loaʻa paha iā ʻoe kahi uku paneʻe loli.Paʻa-hopena ʻEluaHāʻawi nā moraki i ke koho o ka uku paneʻe paʻa, kūpono paha inā ʻoe e laka i ka wā haʻahaʻa.
3. Koi Ha'aha'a Aie'e
Hāʻawi mākou i kēia mau hōʻaiʻē i ka poʻe hōʻaiʻē me nā helu FICO ma lalo o 660, me ka nui o ka hōʻaiʻē a hiki i $550,000 a me ka huina o ka lien hui a hiki i $2,500,000.
4. Kiekie Loan-to-Walue Ratio
Hāʻawi mākou i ka LTV/CLTV kiʻekiʻe loa o 75%-90%, me ka nui o ka Debt-to-Income Ratio (DTI) o 50%.
5. ʻAʻohe uku hāʻawi
ʻAʻohe uku no ka noi moraki, loiloi, underwriting, kaʻina hana, ʻinikua moraki pilikino a me nā koina pani pani ʻē aʻe.
6. Hiki ke noi i nā lāhui ʻē
ʻAʻole i kaupalena ʻia ka papahana i nā kamaʻāina US;ʻO nā malihini noho paʻa ʻole a me nā haole noho paʻa hiki ke noi, inā loaʻa iā lākou kahi moʻolelo hōʻaiʻē US a me kahi palapala ʻae hana.

I ka hopena,Paʻa-hopena ʻEluaHāʻawi nā moraki i nā mea hale i kahi ala kūpono e hoʻohana ai i kā lākou home kaulike me ka ʻole o ka pono no ka hoʻihoʻi kālā ʻana a me ka hoʻololi ʻole ʻana i ka uku panee o kā lākou moraki mua.ʻIke ʻia ka maʻalahi o kēia ʻano o ka hōʻaiʻē i kona ʻae ʻana i nā ʻano kālā like ʻole a me nā ʻano noho a me kāna koi no ka helu FICO ma lalo o 660, e hāʻawi ana i kahi ala kālā wikiwiki.ʻO kāna koho paʻa paʻa a me kahi ratio LTV/CLTV kiʻekiʻe e hāʻawi i ka palekana hou a me ka mana hōʻaiʻē i nā mea hale.Eia kekahi, ʻaʻole hiki ke loaʻa i nā kamaʻāina ʻAmelika wale nō akā i nā haole kūpono ʻole me ke kaumaha o nā uku hoʻolimalima hou, e lilo ia i koho kūpono no ka mālama ʻana i ka hoʻohui ʻana i ka aie, ka hoʻomaikaʻi ʻana i ka home, a i ʻole nā ​​​​pono kālā ʻē aʻe.Ua hoʻokumu ʻo AAA Lendings i kona kūlana ma ka mākeke hōʻaiʻē kuʻuna ʻole ma o ka lawelawe ʻoihana, e hāʻawi ana i kahi ala kūpono no nā mea hale he nui e hoʻokō i kā lākou mau pahuhopu kālā.

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.

wikiō:Wehe i ke kūʻokoʻa kālā: nā pōmaikaʻi o ke koho ʻana i kahi moraki pani ʻelua

ʻŌlelo: Ua hoʻoponopono ʻia kēia ʻatikala e AAA LENDINGS;Ua lawe ʻia kekahi o nā kiʻi mai ka Pūnaewele, ʻaʻole i hōʻike ʻia ke kūlana o ka pūnaewele a ʻaʻole hiki ke paʻi hou ʻia me ka ʻole o ka ʻae ʻia.Aia nā pilikia ma ka mākeke a pono e makaʻala ke kālā.ʻAʻole kēia ʻatikala i ka ʻōlelo aʻoaʻo pilikino pilikino, ʻaʻole hoʻi e noʻonoʻo i nā pahuhopu waiwai kikoʻī, kūlana kālā a i ʻole pono o nā mea hoʻohana pākahi.Pono nā mea hoʻohana e noʻonoʻo inā kūpono nā manaʻo, nā manaʻo a i ʻole nā ​​manaʻo i loko o kēia i ko lākou kūlana.E hoʻolilo e like me kou pilikia.