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Polokalamu Lakiō ʻAʻole QM Non-DTI – Hoʻopau waiwai (waiwai wale nō)
Ua kūʻai aku kekahi mea hōʻaiʻē i kā lākou ʻoihana miliona miliona a laila loaʻa ka home o kā lākou mau moeʻuhane akā ʻaʻohe kumu kālā e palapala ai.
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ʻO ka uku uku ʻole QM a me ka mea hōʻaiʻē hoʻolimalima pilikino papahana waiwai - ABIO (Asset Based Income Option)
Hoʻohana i ka waiwai o ka mea hōʻaiʻē i mea e pono ai, pono e uhi nā waiwai o ka mea hōʻaiʻē ma kahi liʻiliʻi he 6 mahina o ka loaʻa kālā.Nā kikoʻī 1) A hiki i 60% LTV;2) A hiki i $2.5M ka nui o ka aie;3) 700 a ʻoi aku paha nā helu ʻaiʻē;4) Lakiō DTI– Mua 38%/ Mua 43%;5) ʻAʻohe palena o ka nui o nā waiwai i hoʻolimalima ʻia.He aha kēia papahana?• Maopopo anei iā ʻoe pehea e hoʻohana ai i ka waiwai wale nō i mea e hiki ai iā ʻoe ke hōʻaiʻē moraki hale?• Ua hoʻokuʻu ʻia a hōʻole ʻia paha ʻoe e ka mea hāʻawi kālā no kahi WVOE (Written Verificat... -
Non-QM Easily Qualified Asset wale nō ke koho - ATR-In-Full
Overview Popular waiwai polokalamu.Loaʻa i ka mea hōʻaiʻē kekahi mau kālā, hiki ke uhi i ke kumukūʻai kūʻai a i ʻole ka nui o ka hōʻaiʻē a me ka uku pani.ʻAʻohe ʻike hana;ʻAʻohe DTI.Nā kikoʻī 1) A hiki i 75% LTV;2) A hiki i $4M ka nui o ka aie;3) Kahi noho kumu wale nō;4) ʻAʻohe palena o ka nui o nā waiwai i loaʻa kālā;5) Ma ka liʻiliʻi he 6 mau mahina mai ke kālā ponoʻī o ka mea ʻaiʻē.He aha kēia papahana?He polokalamu waiwai ka papahana ATR-In-Full, i kūpono me ka waiwai wale nō.ʻO kahi koho maikaʻi o Non-... -
ʻO ka papahana makemake ʻole QM - Diamond Jumbo (Similar with Conventional Loan)
ʻO ka manaʻo nui ʻo Diamond Jumbo, no ka poʻe ʻaiʻē ʻaʻole hiki ke hana i ka Jumbo non-agency.ʻOi aku ka nui o ka hōʻaiʻē / DTI kiʻekiʻe / LTV kiʻekiʻe / mau waiwai kālā palena ʻole.Nā kikoʻī 1) Max DTI 55%;2) A hiki i $4M ka nui o ka aie;3) A hiki i 90% LTV;4) ʻAʻohe MI (Inikua moraki);5) 575 a ʻoi aku paha nā helu ʻaiʻē;6) 6 a ʻoi aʻe nā mahina mālama;7) Loaʻa ka hoʻihoʻi ʻauhau makahiki 1.He aha kēia papahana?Ua hālāwai paha ʻoe ma lalo o ke kūlana?• ʻAʻole hiki i ka mea hāʻawi kālā ke ʻae i kāu noi nui ʻaiʻē?• ʻAʻole hiki iā ʻoe ke kiʻi i ka LTV kiʻekiʻe ... -
AAA Non-Conforming Loan – Jumbo Loan
Overview Ka palena nui o ka hōʻaiʻē ma mua o nā hōʻaiʻē maʻamau.Nā kikoʻī 1) Max DTI 43%;2) A hiki i $2M ka huina kālā;3) A hiki i ka 80% Max LTV;4) Pono nā hoʻihoʻi ʻauhau 2 makahiki;5) ʻAʻole MI (Inikua moraki);6) 720 a ʻoi aku paha nā helu ʻaiʻē;7) 12 a ʻoi aʻe nā mahina mālama;8) SFRs, 2-4 Units, PUDs，Condos;9) Nā huahana non-AUS.He aha ka hōʻaiʻē Jumbo?ʻO kahi hōʻaiʻē jumbo kahi ʻano kālā i ʻoi aku ma mua o nā palena i hoʻonohonoho ʻia e ka Federal Housing Finance Agency a ʻaʻole hiki ke kūʻai ʻia, hōʻoia ʻia, o... -
Polokalamu DSCR ʻAʻole QM
ʻO ka huahana maʻalahi loa i nā ʻano papahana Non-QM.
ʻAʻohe loaʻa/ ʻaʻohe hana/ ʻaʻohe hoʻihoʻi ʻauhau, ʻaʻole hoʻohālikelike i ka ratio DTI e like me nā hōʻaiʻē maʻamau.Inā he waiwai hoʻopukapuka ka waiwai kumu. -
ʻAʻole QM 12 a i ʻole 24-Mahina Pilikino / Papahana Hoʻolaha Bank Business
ʻO ka mea hōʻaiʻē hoʻolimalima ponoʻī me ka hōʻaiʻē maikaʻi loa nona ka loaʻa kālā i hōʻike ʻia ma kā lākou hoʻihoʻi ʻauhau ʻaʻole ia e kūpono iā lākou no ka home nani e hiki iā lākou ke loaʻa.Pono me 100% ma nā waihona moʻokāki pilikino a me 50% ma nā waihona moʻokāki ʻoihana (12 mau mahina ʻokoʻa)
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Papahana ʻAʻole ʻAi ʻAi Uku- WVOE (Ka hōʻoia ʻana o ka hana)
ʻO nā mea hōʻaiʻē uku uku wale nō, ʻaʻole hiki iā lākou ke hele me nā hōʻaiʻē moraki ʻoihana, a ʻaʻole makemake e hāʻawi i nā ʻano palapala kālā.
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Polokalamu hōʻaiʻē hoʻolimalima ʻole-QM- P&L(Pālākiʻi a Pohō)
Overview ʻO nā mea hōʻaiʻē ponoʻī wale nō, ʻaʻole hiki iā lākou ke hele me nā hōʻaiʻē moraki ʻoihana, a ʻaʻole makemake e hāʻawi i nā ʻano palapala kālā.Nā kikoʻī 1) A hiki i $2.5M ka nui o ka hōʻaiʻē;2) A hiki i ka 75% LTV;3) 620 a ʻoi aku paha nā helu ʻaiʻē;4) Loaʻa nā lāhui haole** 5) ʻAʻohe MI (Inikua moraki);6) Lakiō DTI– Mua 38%/ Mua 43%;7) ʻAe ʻia ka P&L i hoʻomākaukau ʻia e ka mea hōʻaiʻē** He aha kēia papahana?ʻO wai ka mea hiki ke noi no kēia papahana?• He kanaka hōʻaiʻē ʻoe iā ʻoe iho?• Ua hana ka lende ... -
ʻO AAA Conventional Conforming Loan no ka hapa nui o nā mea hōʻaiʻē ma ʻAmelika Hui Pū ʻIa
He aha ka conforming Loan?ʻO kahi hōʻaiʻē conforming he moraki me nā ʻōlelo a me nā kūlana e kū ana i nā koina kālā o Fannie Mae a me Freddie Mac.ʻAʻole hiki ke hoʻokō ʻia nā hōʻaiʻē ma mua o kahi palena kālā, e loli ana i kēlā me kēia makahiki.I ka makahiki 2022, he $647,200 ka palena no ka hapa nui o ka US akā ʻoi aku ka kiʻekiʻe ma kekahi mau wahi ʻoi aku ka pipiʻi.Hiki iā ʻoe ke ʻimi ma ka pūnaewele no kēlā me kēia hōʻaiʻē kalana e like me nā palena hōʻaiʻē no kēia makahiki.ʻO ka mission a Fannie Mae lāua ʻo Freddie Mac nā hopena i...