Overview
Easy Qualified Yakavharwa Kupera Kwechipiri.
Nguva Yekukwereta: Yakagadziriswa;15 Years Balloon.
Details
1) Standalone's uye Piggyback Yechipiri Chikwereti Zvose Zviripo;
2) Yekutanga uye Investment Property Inowanikwa;
3) Hapana Prepaid Chirango;
4) Hapana Reserves Inodiwa;
5) Nhamba Yemari Yechikwereti: $ 75,001 - $ 450,000;
6) Max.CLTV: 85%.
* Mari yechikwereti inotenderedzwa kusvika pamadhora zana
Income Documentation
Option1: Bank Statements - 12 Mths Personal & Business Bank Stmts
★Pachedu & Bhizinesi-Rakasanganiswa kana Bhizinesi (12mo.):
§ Mumwe wevakwereta anofanira kunge achizvishandira kweinenge makore maviri (25% kana mukuru wevaridzi);
§ Kuderedzwa kweAsset kunobvumidzwa neBank Statement zvinyorwa;
§ Zvinhu zvakajairwa zvekushandisa zvinoshanda: 50% mutengo chinhu:
①Kana bhizinesi richishanda < standard cost factor, P&L kana tsamba yemutengo kubva kuCPA, CTEC (California Tax Education Council), kana EA (Enrolled Agent) inodiwa;
②Minimum cost factor ine 3rd party yakagadzirwa P&L kana tsamba i20%.
★Pachedu & Bhizinesi Zvakaparadzaniswa (12mo.):
①Anenge mumwe wevakwereta anofanira kunge achizvishandira kweinenge makore maviri (25% kana mukuru muridzi);
②Kuparara kweAsset kunobvumidzwa neBank statement zvinyorwa;
③Munhu anoshandiswa kukodzera, bhizinesi remwedzi mitatu kuratidza mafambiro emari ebhizinesi kuitira kushandisa 100% yemadhipoziti ane chekuita nebhizinesi muakaundi yako (hapana mari yekushandisa).
Option2: Full Doc - 1 gore & 2Yrs
General Guideline
★30/15yr Chibharumu &40/15yr Chibharumu min mari yechikwereti $200k.
★Maximum Combined Liens - $2 M.
★Matatimendi ekubhangi emwedzi miviri achangopfuura anodiwa.
★Property Type - SFR, PUD, Condo-Warrantable.
★Zvinhu zvakarongwa kutengeswa mumwedzi gumi nemiviri yapfuura hazvina kukodzera.
★Vanokwereta - Vanokodzera Mugari WemuUS, Asisiri Mugari Anogara Ari Mutorwa (ane US Credit), Permanent Resident Alien.Haikodzeri kune Vasiri-vagari co-kukwereta & masangano.
★ 3 tradelines inoshuma kwe12+ mwedzi kana 2 tradelines inoshuma kwemwedzi makumi maviri nemana+ zvese zvine chiitiko mumwedzi gumi nemiviri yapfuura.
★Credit Event Seasoning - 48 months - Foreclosure, short-sale, deed in lieu, bankruptcy.Hapana zviitiko zvakawanda mumakore 7 apfuura.
★Derogatory Credit - Hapana kuvhura-chaji-off kana kuunganidzwa mumwedzi makumi mana nemasere.Hapana misikanzwa yekutengeserana pakuvhara.
★Housing Lates - 0x30x12 Pamamortgage ese kune vese vanokwereta.Iri pasi pemwedzi gumi nemiviri nhoroondo yedzimba inodiwa.
★Kuongorora Zvinodiwa:
①Kuongororwa kwekare mukati memwedzi gumi nemiviri + Kuongororwa Kwekugara Kwekugara.Ongororo kukosha kunofanirwa kuenzana kana kukura kupfuura kuongororwa;
②Nyowani 2055 yekuongorora uye Yekugara Yekuongorora Ongororo inotsigira kukosha mukati megumi muzana musiyano.Yakaderera yemhando mbiri dzinofanirwa kushandiswa;
③Misika iri kuderera inodarika 75% CLTV paMuridzi Akagarwa/Pamba yechipiri.Maximum 70% CLTV pane Asisiri Muridzi Anogara.
