Nānā nui
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.
Nā kikoʻī
1) A hiki i $2.5M ka nui o ka aie;
2) Nā SFR, 2-4 ʻĀpana, Condos, Townhomes, a me Non-Warrantable Condos.
3) LTV kiʻekiʻe 75%;
4) 620 a ʻoi aku paha nā helu ʻaiʻē;
5) ʻAʻole MI (Inikua moraki);
6) Lakiō DTI-- Mua 38%/ Mua 43%.
He aha ka papahana?
Ua hālāwai paha ʻoe i kēia ʻano hihia?
Ua hoʻonui hou ʻia ke kūlana Lender i nā paystubs???
Ua helu ka mea hāʻawi i kāu kālā a haʻi iā ʻoe ʻaʻole kūpono i ka moraki hale???
Paʻakikī paha ʻoe e ʻimi i kāu mau kope o W2s a i ʻole paystubs???
Hāʻawi mākou iā AAA Lendings i kahi papahana Non-QM maikaʻi loa-- WVOE (Written Verification of Employment).Inā loaʻa i ka poʻe hōʻaiʻē uku ka uku a i ʻole ka uku mai ka mea hana no ka lawelawe i hāʻawi ʻia a ʻaʻohe kuleana a i ʻole ka liʻiliʻi o ka 25% kuleana kuleana ma ka ʻoihana.
Loaʻa i ka poʻe hōʻaiʻē uku ka uku a i ʻole ka uku mai ka mea hana ma ka hoʻihoʻi ʻana no kahi lawelawe i hāʻawi ʻia a ʻaʻohe kuleana a i ʻole ka liʻiliʻi o ka 25% kuleana kuleana ma ka ʻoihana.Hiki ke hoʻokumu ʻia ka uku i kēlā me kēia hola, i kēlā me kēia pule, i kēlā me kēia pule, i kēlā me kēia mahina, a i ʻole ka hapalua mahina.Inā i kēlā me kēia hola, pono e helu ʻia ka helu o nā hola i hoʻonohonoho ʻia.Pono e hoʻololi ʻia ka loaʻa kālā i hōʻoia ʻia i kālā kālā o kēlā me kēia mahina no ka hoʻohana ʻana ma ka palapala noi maʻamau (FNMA Form 1003).Ma ka manaʻo o ka underwriter, hiki ke noi ʻia nā palapala hoʻohui o ka loaʻa kālā
He aha nā pōmaikaʻi?
No kēia papahana, pono ka mea hāʻawi kālā i kahi palapala WVOE no ka helu ʻana i ka loaʻa kālā kūpono, ʻaʻohe palapala kālā ʻē aʻe e pono ai.ʻO kēia ke kumu koʻikoʻi maikaʻi loa o kēia polokalamu.ʻAʻole hiki i kekahi ʻoihana hōʻaiʻē ke hana i ia papahana.Ma waho aʻe, ʻokoʻa mai nā papahana ʻē aʻe, ʻaʻole pono kēia papahana i ka waiwai nui o nā mea noi.Ma ka laulā, he polokalamu maikaʻi kēia no nā poʻe ʻaiʻē uku ʻole hiki ke hana i nā hōʻaiʻē ʻoihana.
Pehea e helu ai?
- E hoʻohana i ka uku kumu (ka hapa-mahina, ʻelua pule, a i ʻole ka hola i kākoʻo ʻia e YTD) mai WVOE.
Nā laʻana:
◦ ʻEkolu mahina: ʻO ka huina hapalua mahina i hoʻonui ʻia me 2 e like me ka loaʻa kālā o kēlā me kēia mahina.
◦ ʻElua pule: ʻelua pule i hoʻonui ʻia me 26 i puʻunaue ʻia me 12 e like me ka loaʻa kālā o kēlā me kēia mahina.
◦ Uku ʻia ke kumu no 9 mahina: Hoʻonui ʻia ka huina mahina me 9 mahina i puʻunaue ʻia me 12 mahina
e like me ka loaʻa kālā kūpono o kēlā me kēia mahina.
E hoʻomanaʻo i ka mea hana e hoʻopiha i ka palapala WVOE, a laila e hoʻomaka ka mea hāʻawi i ka hōʻaiʻē wikiwiki.
