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Overview

Wage arner anokwereta chete, asingakwanise kuenda neagency mortgage zvikwereti, uye vasingade kupa akasiyana magwaro emari.

Details

1) Nyika yekunze inobvumirwa;
2) 12 mwedzi yakachengetwa yakaverengerwa paPI (Kwete PITIA imwe mukweretesi inodikanwa);
3) Hapana paystub / W-2 / mutero kudzoka kunodiwa;
4) Chipo mari inobvumirwa;
5) Mari yechikwereti inosvika $2.5M;
6) Kubhadhara pasi kwakaderera se30%;
7) Min. FICO 680.

Purogiramu yacho ndeipi?

Wakambosangana nerudzi urwu here?
Iyo Lender mamiriro akagadziridzwa paystubs zvakare uye zvakare?
Mukweretesi akaverenga mari yako uye akakuudza kuti haukodzeri nemba yembanje here?
Wakaoma here kuwana makopi ako eW2s kana paystubs?

Isu AAA Lendings tinokupa yakakwana Isiri-QM chirongwa- WVOE (Yakanyorwa Verification yeBasa). Kana vanokwereta vanobhadharwa vakagamuchira mubairo wakafanana kana muhoro kubva kumushandi mukudzorera kwesevhisi yakaitwa uye vasina muridzi kana isingasviki 25% mubereko wemuridzi mubhizinesi.

Vanokwereta vanotambira mari vanogashira mubairo wakafanana kana muhoro kubva kumushandi semubhadharo webasa raitwa uye vasina muridzi kana pasi pe25% mubereko wemuridzi mubhizinesi. Muripo unogona kubva paawa, vhiki nevhiki, biweekly, pamwedzi, kana semi-pamwedzi. Kana paawa, nhamba yemaawa akarongwa inofanira kugadziriswa. Mari inocherechedzwa inofanirwa kushandurwa kuita dhora repamwedzi kuti rishandiswe pane zviri pamutemo fomu (FNMA Form 1003). Nekuda kweanonyora pasi, zvinyorwa zvekuwedzera zvemari zvinogona kukumbirwa

Ndezvipi zvinobatsira?

Pachirongwa ichi, mukweretesi anongoda fomu reWVOE kuti averenge mari yaanowana, hapana mamwe magwaro emari anodiwa. Iyi inofanirwa kunge iri iyo inonyanya kukwezva kiyi poindi yechirongwa ichi. Hapana zvikwereti zveagency zvinogona kuita chirongwa chakadaro. Kunze kwezvo, zvakasiyana nezvimwe zvirongwa, chirongwa ichi hachidi vanyoreri 'zvakawandisa zvinhu. Kazhinji, ichi chirongwa chakanaka chevakwereta vanobhadharwa vasingakwanise kuita zvikwereti zveagency.

Kuverenga sei?

-Shandisa iyo base muhoro (semi-mwedzi, bi-vhiki nevhiki, kana muyero weawa sekutsigirwa neYTD) kubva kuWVOE.
Mienzaniso:
◦ Semi-pamwedzi: Semi-pamwedzi mari yakapetwa ne2 yakaenzana nemari inowanikwa pamwedzi.
◦ Bi-vhiki nevhiki: Mari yevhiki mbiri inopetwa ne26 yakakamurwa negumi nembiri yakaenzana nemari inowanikwa pamwedzi.
◦ Mudzidzisi akabhadhara kwemwedzi ye9: Mari yepamwedzi yakapetwa nemwedzi ye9 yakakamurwa nemwedzi ye12
yakaenzana nemari yemwedzi inokodzera.

Yeuchidza mushandirwi kuzadza fomu reWVOE, ipapo mukweretesi anoenderera nechikwereti nekukurumidza.