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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 yekuchengetedza 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.

Chii chinonzi WVOE?

Wakamboona nyaya yerudzi 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?

AAA Lendings inokupa 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, bi-vhiki nevhiki, 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 zvakanakira?

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. Iko hakuna chero zvikwereti zveagency zvinogona kuita chirongwa chakadaro. Kunze kwezvo, zvakasiyana nezvimwe zvirongwa, vanokwereta havafanire kupa magwaro emidziyo akawandisa echirongwa ichi. Kazhinji, ichi chirongwa chakanaka chevakwereta vanobhadharwa vasingakodzere zvikwereti zveagency.

Nzira yekuverenga muhoro?

-Shandisa iyo base muhoro (semi-mwedzi, bi-vhiki nevhiki, kana muyero weawa sekutsigirwa neYTD) kubva kuWVOE.
Mienzaniso:
- Semi-pamwedzi: Semi-pamwedzi muhoro wakapetwa ne 2 yakaenzana nemari inowanikwa pamwedzi.
- Bi-vhiki nevhiki: Muhoro wevhiki mbiri unopetwa ne26 wakakamurwa negumi nembiri zvakaenzana nemari inowanikwa pamwedzi.
- Mudzidzisi akabhadharwa kwemwedzi mipfumbamwe: Muhoro wepamwedzi unopetwa nemwedzi mipfumbamwe wakakamurwa nemwedzi gumi nemiviri wakaenzana nemari yemwedzi inokodzera.

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