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Overview

Zvakafanana ne True Stated Income. 7/6 ARM (5/1/5).

CA, CO, GA, IL, VA, WA zviripo.

Details

1) Hapana P&L Inodiwa;
2) Hapana WVOE Inodiwa;
3) Hapana Mutero Unodzoka Unodiwa;
4) Kwete 4506-T Inodiwa;
5) Chipo mari inobvumirwa;
6) Mari yechikwereti inosvika $2.0M;
7) Kutenga & R / T Refinance iripo.

Chirongwa ichi chii?

• Unoziva here kushandisa asset chete kuti ukwanise kukupa chikwereti chemba yemba?
• Wakamiswa basa here kana kunyimwa nemukweretesi pachirongwa cheWVOE (Written Verification of Employment)?
• Hauna zvinhu zvakawanda here paunenge uchida kutenga imba yako?
• Waunoshandira anga asingade kukupa fomu reWVOE here kana kubatira pamwe?

Kana iwe wakambosangana nemamiriro ari pamusoro, hapana kunetseka, huya kwatiri uye isu tichakuzivisa iwe Non-QM chirongwa chako--Ichokwadi Yakataurwa Income. Chirongwa ichi chinoziva chirongwa che{WVOE}, chakagadzirirwa vanokwereta vanotambira mari uye vanozvishandira. Zvikwereti zvisiri zveQM zvine zvishoma zvirongwa zvakanaka zvekuti vanotambira mihoro uye varidzi vemabhizinesi vanogona kunyorera.

Chirongwa ichi chinoshanda sei?

Sezvakangoita zita rechigadzirwa, chirongwa ichi chinokodzera neasset zvakare. Ona pazasi:

Kana iyo Yechokwadi Yakatarwa Mari yeiyi chirongwa chechikwereti yasarudzwa, mukwereti anozongodiwa kuti ape Asset Yakavakirwa Mari paChikwereti Chikumbiro (1003). Mari iyi ichashandiswa kuverenga chikwereti chakakodzera kuchiyero chemari inokurukurwa muChikamu VIII chezvirongwa izvi.

Ndiani anogona kunyorera chirongwa ichi?

Sezvataurwa pamusoro apa, chero iwe uri mukwereti wemuhoro kana unozvishandira uchikwereta, unogona kunyorera chirongwa ichi. Kana mukwereti wemuhoro, saka hapana magwaro akakosha anodiwa paunonyorera imba nyowani yechikwereti cheNon-QM nemukweretesi. Kana anozvishandira anokwereta kana 1099 anokwereta, ungada nyore CPA tsamba.

Chirongwa ichi chinoshanda sei?

Sezvakangoita zita rechigadzirwa, chirongwa ichi chinokodzera neasset zvakare. Kusiyana nemamwe mapurogiramu, isu mukweretesi hatidi kugadzirira chero magwaro akakosha kubva kune anokwereta. Ingo gadzirira zvakajairwa zvirevo zvebhangi kana uchinyorera imba yako yechikwereti chemba, Ona pazasi kuti uwane ruzivo rwako:

Stated Income zvinoreva kuti mukwereti anotaura mari yake Inonzwisisika yazvino mukukumbira chikwereti. Mukweretesi anozoona mari yemukwereti yepamwedzi inogona kutsigirwa ne "Liquid" midziyo isati yavhara.

Kana iyo Yechokwadi Yakatarwa Mari yeiyi chirongwa chechikwereti yasarudzwa, mukwereti anozongodiwa kuti ape Asset Yakavakirwa Mari paChikwereti Chikumbiro (1003). Mari iyi ichashandiswa kuverenga chikwereti chakakodzera kuchiyero chemari inokurukurwa muChikamu VIII chezvirongwa izvi.