Wehe 'ana i ka home: nā hō'ai'ē hō'ike panakō no ka po'e 'ai'ē hana pono'ī

No nā mea hōʻaiʻē paʻa ponoʻī, ʻo ka hoʻopaʻa ʻana i kahi moraki hiki ke manaʻo e like me ke kaua piʻi. Ke koi pinepine nei nā mea hōʻaiʻē kuʻuna i ka hoʻihoʻi ʻauhau a me nā kumu uku, ʻaʻole ia e hōʻike mau i ka ikaika kālā maoli o ka mea nona ka ʻoihana. E hoʻokomo i ka Bank Statement Loan—he koho hoʻololi pāʻani i hoʻolālā ʻia no ka poʻe ʻaiʻē paʻa ponoʻī e makemake ana i kahi ala ʻē aʻe e hōʻoia i kā lākou loaʻa kālā. Me ka ʻole o ka ʻauhau ʻauhau e pono ai, hāʻawi kēia hōʻaiʻē i ka poʻe ʻoihana e hōʻike i kā lākouKaʻa kālāme ka hoʻohana ʻana i nā ʻōlelo panakō.

Hāʻawi ka Bank Statement Loan i ka poʻe hāʻawi kālā e loiloi i 12 mau mahina o nā ʻōlelo panakō pilikino a ʻoihana paha, e hāʻawi ana i kahi kiʻi maopopo o ka loaʻa kālā o ka mea hōʻaiʻē me ka hilinaʻi ʻole i ka loaʻa kālā mai ka ʻauhau ʻauhau. He mea kūpono kēia no ka poʻe ʻaiʻē hana ponoʻī i hiki ke hoʻohaʻahaʻa i ka ʻauhau ʻauhau i kā lākou loaʻa kālā i hōʻike ʻia akā ʻaʻole ko lākou hiki maoli ke uku i kahi moraki. Inā he manuahi ʻoe me nā ʻano 1099 a i ʻole he mea nona ka ʻoihana me ka loaʻa ʻana o ka loaʻa kālā, ua maʻalahi kēia koho i ka proKEIAs.

ʻO kekahi pōmaikaʻi koʻikoʻi ʻo ia ka maʻalahi me nā lakene ʻaiʻē i ka loaʻa kālā. ʻAʻole like me nā hōʻaiʻē kuʻuna i hoʻopaʻa iā DTI ma 50%, ʻae ʻo Bank Statement Loans iā DTI ma mua o 50%, e hoʻokipa ana i nā mea hōʻaiʻē paʻa me nā koina ʻoihana kiʻekiʻe akā ke kahe kālā ikaika. He mea kūpono kēia no ka poʻe nona ka ʻoiaʻiʻo kālā ʻaʻole i kūlike me nā kūlana hoʻolimalima maʻamau.

Ma waho aʻe o ka maʻalahi, hāʻawi ʻo Bank Statement Loan i nā hiʻohiʻona kūpono. Loaʻa nā helu hōʻaiʻē mai $150,000 a i $3.5 miliona, me ka helu ʻaiʻē liʻiliʻi o 660. Loaʻa iā lākou no ke kūʻai ʻana, ke kālā-waho, a i ʻole ka hoʻihoʻi ʻana i ka manawa ma nā hale i noho ʻia e ka mea nona nā hale, nā hale ʻelua, a i ʻole nā ​​​​waiwai waiwai—me nā condos non-warrantable. Hiki i nā mea hōʻaiʻē hoʻolimalima ke koho i kahi uku paʻa 30 mau makahiki a i ʻole ke koho i kahi hoʻolālā uku uku. Eia hou, hiki iā ʻoe ke pani ma lalo o kahi inoa ʻoihana, e mālama kaʻawale i nā kālā pilikino a me nā ʻoihana.

No ka poʻe me nā hiccups kālā i hala e like me ka banekorupa a i ʻole foreclosure, hāʻawi ʻo Bank Statement Loan i kahi ala i mua inā ʻo kēia mau hanana ma kahi o ʻekolu mau makahiki. ʻAʻole pono ka hoʻihoʻi ʻauhau ʻoi aku ka liʻiliʻi o ka pilikia, a ʻo ka koho 1099 e hoʻohui i ka versatility hou no nā ʻaelike kūʻokoʻa.

I ka pōkole, hoʻololi ka Bank Statement Loans i ka homeownership no ka poʻe ʻaiʻē hoʻolimalima. Ma ka nānā ʻana i nā ʻōlelo panakō a me ka ʻae ʻana iā DTI ma mua o 50%, wehe kēia huahana i nā puka e pani pinepine ai nā moraki kuʻuna. Inā he ʻoihana ʻoe e ʻimi nei i kahi moraki e hōʻike ana i kou olakino kālā maoli, ʻo ia paha kāu kī i ka holomua.

Ka helu hua'ōlelo: Manaʻo Bank, nā mea hōʻai'ē hana pono'ī,ʻaʻohe pono e hoʻihoʻi i kaʻauhau, Doc piha, 1099, DTI ma mua o 50% iʻaeʻia