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Overview

Easy Qualified Yakavharwa Kupera Kwechipiri.

Nguva Yekukwereta: Yakagadziriswa; 15 Years Balloon.

Details

1) Standalone's uye Piggyback Yechipiri Chikwereti Zvose Zviripo;
2) Yekutanga uye Investment Property Inowanikwa;

3) Hapana Prepaid Chirango;
4) Hapana Reserves Inodiwa;

5) Nhamba Yemari Yechikwereti: $ 75,001 - $ 450,000;
6) Max. CTR: 85%.

* Mari yechikwereti inotenderedzwa kusvika pamadhora zana

Income Documentation

Option1: Bank Statements - 12 Mths Personal & Business Bank Stmts

★Pachedu & Bhizinesi-Rakasanganiswa kana Bhizinesi (12mo.):
§ Mumwe wevakwereta anofanira kunge achizvishandira kweinenge makore maviri (25% kana mukuru wevaridzi);
§ Kuderedzwa kweAsset kunobvumidzwa neBank Statement zvinyorwa;
§ Zvinhu zvakajairwa zvekushandisa zvinoshanda: 50% mutengo chinhu:
①Kana bhizinesi richishanda ②Minimum cost factor ine 3rd party yakagadzirwa P&L kana tsamba i20%.

★Pachedu & Bhizinesi Zvakaparadzaniswa (12mo.):
①Anenge mumwe wevakwereta anofanira kunge achizvishandira kweinenge makore maviri (25% kana mukuru muridzi);
②Kuparara kweAsset kunobvumidzwa neBank statement zvinyorwa;
③Munhu anoshandiswa kukodzera, bhizinesi remwedzi mitatu kuratidza mafambiro emari ebhizinesi kuitira kuti ushandise zana remadhipoziti ane chekuita nebhizinesi muakaundi yako (hapana mari inodhura).

Sarudzo2: Full Doc - 1 gore & 2Yrs

General Guideline

★30/15yr Chibharumu &40/15yr Chibharumu min mari yechikwereti $200k.
★Maximum Combined Liens – $2 M.
★Matatimendi ekubhangi emwedzi miviri achangopfuura anodiwa.
★Property Type – SFR, PUD, Condo-Warrantable.
★Zvinhu zvakarongwa kutengeswa mumwedzi gumi nemiviri yapfuura hazvina kukodzera.
★Vakwereta - Vanokodzera kuUS Citizen, Non-Permanent Resident Alien (neUS Credit), Permanent Resident Alien. Haikodzeri kune Vasiri-vagari co-kukwereta & masangano.
★ 3 tradelines inoshuma kwe12+ mwedzi kana 2 tradelines inoshuma kwemwedzi makumi maviri nemana+ zvese zvine chiitiko mumwedzi gumi nemiviri yapfuura.
★Credit Event Seasoning - 48 months - Foreclosure, short-sale, deed in lieu, bankruptcy. Hapana zviitiko zvakawanda mumakore 7 apfuura.
★Derogatory Credit - Hapana kuvhura kubhadharisa kana kuunganidzwa mumwedzi makumi mana nemasere. Hapana misikanzwa yekutengeserana pakuvhara.
★Housing Lates - 0x30x12 Pamamortgages ese kune vese vanokwereta. Iri pasi pemwedzi gumi nemiviri nhoroondo yedzimba inodiwa.

★Kuongorora Zvinodiwa:
①Kuongororwa kwekare mukati memwedzi gumi nemiviri + Yekugara Yekuongorora Ongororo. Ongororo kukosha kunofanirwa kuenzana kana kukura kupfuura kuongororwa;
②Nyowani 2055 yekuongorora uye Yekugara Yekuongorora Ongororo inotsigira kukosha mukati megumi muzana musiyano. Yakaderera yemhando mbiri dzinofanirwa kushandiswa;
③Misika iri kuderera inodarika 75% CLTV paMuridzi Akagarwa/Pamba yechipiri. Maximum 70% CLTV pane Asisiri Muridzi Anogara.