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Overview

Standalone & Piggyback.

Iyo HELOC chirongwa ndeyeKumba Equity Mutsetse Wechikwereti.
Index + Margin. 30 Makore temu, 10 Yrs I/O Draw Period inoteverwa ne20 Years Amortization.

* Index: Prime Mortgage Rate yakayangarara nemusika.
Margin: Zvichienderana nezvikwereti zvezvikwereti, Margin Min. 1%, Yakagadziriswa.
Hupenyu Hwakawanda Chiyero: 18%.
Hupenyu Hwose Chiyero Floor: 2.5%.

Zvikuru zvePurogiramu

1) Kwete Prepayment Chirango;
2) Hapana Mari Yegore;
3) Yepuraimari & Yechipiri imba inokodzera;
4) 1 Unit & Kusvikira 90% HCLTV;
5) Max. Chikwereti Mari $350,000;
6) Min. FICO 680.

General Guideline

(1) Cherechedzo Chiyero + 2% P&I pamusoro pemakore makumi matatu amortization seyero inokodzera.

(2) Assets/Mari Yekuvhara/Reserve:
★Piggybacks: tevera yekutanga lien zvinodiwa.
★Yakamira: hapana kuvimbiswa kweasset kunodiwa kana mukwereti achitambira mari-kunze (kana zvisizvo ipai mwedzi mumwe chete liquid asset statement inoratidza mari yakakwana yekuvhara).

(3) Kuongorora/Kukosheswa Kwezvinhu:
★Piggybacks: tevera FNMA/FHLMC nhungamiro.
①AVM uye yekunze yakaderera mamiriro emamiriro ehupfumi (kusanganisira mafoto) yakanyorwa mukati memazuva zana nemakumi maviri kubva pazuva rekunyora.
②Ongororo (inogona kunge iri desktop, yekunze yekuongorora uye/kana yemukati yekuongorora) inopedzwa neane rezinesi/nyika yakasimbiswa appraiser yakanyorwa mukati megore rimwe kubva pazuva retsamba.
★Yakamira:
1) AVM uye yekunze yakaderera mamiriro emamiriro ehupfumi (kusanganisira mafoto).
2) Ongororo (inogona kunge iri desktop, yekunze yekuongorora uye / kana yemukati yekuongorora) inopedzwa neane rezinesi / nyika yakasimbiswa appraiser yakanyorwa mukati megore rimwe kubva musi wetsamba.
★Pakubvumidzwa kwechikwereti > $250,000, FNMA 1004 yakazara kana FHLMC 70 ine mukati & nekunze ongororo ine mavara emifananidzo inodiwa.

(4) Musoro haugone kubatwa muzita retrust.

(5) MaPOA anotenderwa kune ese marudzi ekutengeserana asi anofanirwa kuvhara iyo 2nd lien transaction kana ikashandiswa.

(6) Chikwereti chinofanira kunge chiri munzvimbo yechipiri.

(7) Hapana Mari Yegore.

(8) Leasehold haikodzeri.

(9) Kubhadhara kuchave kwakakodzera musi wa15 wemwedzi wega wega.

(10) 5% mubhadharo wekunonoka uchaongororwa pazuva rekubhadhara + 15 mazuva (kunze kwekunge paine zvakanyanya kudzora nyika inodiwa).

(11) Hupenyu hwose Max. Chiyero: 18% kana nyika yepamusoro uye Hupenyu Rate Floor 2.5%.

(12) Hapana Prepayment Pean.