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Overview

Standalone & Piggyback.
Chechipiri Chikwereti Chete chinogamuchirwa.

* Zvivakwa zvechidzidzo zvinofanirwa kuve nekutanga mortgage.

Zvikuru zvePurogiramu

15 Makore Term.
Dzimwe nguva sarudzo (5 yrs, 10yrs, 20yrs, 30yrs).

1) Kwete Prepayment Chirango;
2) 1 Unit & Kusvikira ku90% CLTV;
3) Min. FICO 680;
4) Max. Chikwereti Mari $250,000;
5) Yepuraimari & Yechipiri imba inokodzera.

Credit Guideline

(1) Kana paine mitero yemitero yakapfuura yakafanira isati yabhadharwa, mukwereti anofanira kupa chibvumirano chechikamu neIRS, nhoroondo yekubhadhara inoratidza kanenge kamwechete kubhadhara kuri kuitwa, uye inosanganisira mubhadharo wepamwedzi muchikwereti chemukwereti. Humbowo hwekubhadhara mutero wemari hunogona kudikanwa kuti uone kuti hapana mutero wapfuura.
(2) Mitero yemitero inofanira kubhadharwa panguva kana kuti isati yavhara.
(3) Hapana chikwereti chechikwereti (0 × 30) mumwedzi yekupedzisira ye24.
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(5) Mukwereti (s) anofanira kunge ari iyezvino pane ese emortgage chikwereti.
(6) Hapana mutongo, kutorazve kana kubhadhariswa mumwedzi makumi matanhatu yapfuura.
(7) Izvi zvinotevera zvinoonekwa sehutsotsi hwakanyanya, zvisinei nemhinduro yeAUS; vanokwereta vane aya maprofile havakodzere kusvika nguva ye7 makore apfuura kubva pakaitika uye chikwereti chakatangwazve:
①Kubhuroka
②Foreclosure / Deed in Lieu of Foreclosure
③Kutengesa Kupfupi kana Kubhadhara Kupfupi
④Mortgage gadziriso, kushivirira kana kuregeredza (kusanganisa COVID-19 ine hukama)

General Guideline

(1) Max. DTI 43%.
(2) Chiyero chekukodzera chinokodzera padanho rekutanga renoti.
(3) Assets / Mari yeKuvhara / Reserves inotevera yekutanga lien zvinodiwa.
(4) Musoro haugone kubatwa muzita retrust.
(5) MaPOA anotenderwa kune ese marudzi ekutengeserana asi anofanirwa kuvhara iyo 2nd lien transaction kana ikashandiswa.
(6) Leasehold haikodzeri.
(7) Hapana Chirango cheKubhadhara asi chinoda kuti chero zvikwereti zvibhadharwe kana kuderedzwa zvakanyanya kudarika makumi maviri muzana emari yasara mushure memazuva zana nemakumi masere kubva pazuva rekupihwa mari.
(8) AAA LENDINGS haizoiti HPML Ballons (APR> 15 Makore Yakagadziriswa APOR + 3.5%).