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Overview

Diamond Jumbo, kune vanokwereta vasingakwanise kuita Non-agency Jumbo. Yakawanda mari yechikwereti/ Yakakwira DTI/ Yakakwira LTV/ Zvisina muganho zvemari zvivakwa.

Details

1) Max DTI 55%;
2) Kusvika kumadhora mazana mana emari yechikwereti;
3) Kusvikira ku90% LTV;
4) Kwete MI (Mortgage Inishuwarenzi);
5) 660 kana kupfuura kiredhiti mamakisi;
6) 6 kana kupfuura mwedzi yekuchengetedza;
7) 1-gore remutero rekudzoka rinowanikwa.

Chirongwa ichi chii?

Wakambosangana nemamiriro ezasi here?
• Mukweretesi haakwanise kubvumidza chikumbiro chako chechikwereti chepamusoro?
• Haukwanise here kusvika pakakwirira LTV yaunoda?
• Vakweretesi vejumbo vasiri veagency havakwanise here kukupa zvikwereti zvecash-out?
Mukweretesi aida kuti utenge MI(Mortgage Insurance)?
Kana iwe wakambosangana nemamiriro ezvinhu aya anonyadzisa, saka hapana kunetseka. Vasiri-QM vanokweretesa zvakare vane zvirongwa zvakadaro, zvakafanana nezvikwereti zveagency. Zvisineyi, vakweretesi vasiri veQM vane {Full Docs} chigadzirwa chechikwereti vane zvirambidzo zvakaderera pane zvigadzirwa zvechikwereti zveMapepa Akazara. Iwe une sarudzo iri nani ikozvino. Imwe pfungwa yakakosha yaungaite ndeiyi: Unogona kunyorera chirongwa ichi chete kana usingakodzeri neFNMA kana FHMLC chikwereti.

Ndeupi mutsauko weiyi isiri-QM Yakazara Document chirongwa neagency Yakazara inokodzera chirongwa?

Kazhinji, vazhinji vevanyoreri vanogona kunyorera yakajairika Jumbo chikwereti nechinangwa chepamusoro mari yechikwereti. Nekudaro, muzviitiko zvedu, chirongwa cheJumbo chakajairika hachisi nyore kuvhara. Chirongwa ichi chinoganhurira zvinodiwa pane zvikwereti zveajensi, uye chine nguva refu zvakare.

Nekudaro, mune mamwe mamiriro ezvinhu, vanyoreri havakwanise kana kuenderera neyakajairwa Jumbo chirongwa, somugumisiro ivo vanogona chete kuita isiri-QM chigadzirwa, kugutsa chinangwa chavo, senge yakakwira mari yechikwereti/ Cash-out/ LTV/ Credit mamakisi, nezvimwe.

Yedu Isiri-QM Yakazara Income Documentation inowanikwa kune vanokwereta vane jumbo zvikwereti uye zvinoenderana nezvikwereti izvo zvinowira kunze kwezviyero zveAkakodzera Mortgages. Zvikwereti zviri muchirongwa ichi hazvifanirwe kunge zvinokodzera kutengeswa kune chero Hurumende Agency.

Ndezvipi zvinobatsira?

Mushure mekuverenga mazwi ari pamusoro apa, heino mabhenefiti epfupiso yeruzivo rwako:

Yakakwira chikwereti mari, yakawanda kupfuura zvikwereti zveagency;
Yakakwirira DTI chiyero, yakaderera miganhu;
Hapana MI (Mortgage Inishuwarenzi) inodiwa;
Cash-out inobvumirwa;
Yakakwira LTV, yakakwira kupfuura zvikwereti zveagency.