11/15/2023

TheQM Community ChikweretiChirongwa chinomiririra kufambira mberi kwakanyanya mumari yemumba.Inomira pachena kune avo vakapikiswa nekuomerwa uye nezvemari zvinokonzeresa zveLoan-Level Price Adjustments (LLPA).Ichi chirongwa chekuvandudza chiri kugadzirisa mamiriro embanje, kubvisa zvigadziriso zveLLPA nekudaro ichipa sarudzo dzakaenzana uye dzine mari kune vakasiyana siyana vanokwereta.Kuti tinyatsonzwisisa mabatiro uye shanduko yechirongwa ichi, ngatitarisei zvakatevedzana zvehupenyu chaihwo, chimwe nechimwe chakagadzirirwa kuratidza nzira iyo QM Community Loan inogona kushandura yakajairwa kuita mari yemortgage.Nhasi, tiri kuburitsa zviitiko izvi, tichiratidza musimboti wekuti kuona kutenda.

Muenzaniso 1:

Funga nezvemukwereti uyo ane FICO mamakisi mazana matanhatu nemakumi maviri, achivavarira 75% LTV paimba yemhuri imwe chete.Sechivanhu, mukwereti akadaro anotarisana nereti yemubereko yakakwira nekuda kwekugadziriswa kweLLPA, inogona kukwira kusvika pa8.375%.Iyo QM Community Loan Chirongwa, zvisinei, inoregedza zvigadziriso izvi, ichipa mukana wakanaka we7.625%.Uku kudzikiswa kwechiyero hakungoshanduri mukuchengetedza kwakakosha kwenguva refu asiwo kunoita kuti chiroto chemuridzi wemba chiwanikwe uye chienderere mberi.

Muenzaniso 2:

Mumwe anokwereta ane chikamu chepasi cheFICO che640, achitsvaga kuwana 2-4 unit primary property ine 70% LTV.Muchiitiko chechikwereti chakajairwa, mukwereti uyu aizosangana nekugadziriswa kweLLPA kunosvika 3.125.Iyo QM Community Chikwereti Chirongwa, nekupesana, inobvisa idzi mari dzekuwedzera, kufambisa nzira inoshanda uye inogona kudhurika yekuwana mari.

Muenzaniso 3:
Zvadaro, tinoenzanisa vaviri vanokwereta pasi pemamiriro akasiyana emari - imwe ine FICO yakaderera uye yakakwirira LTV, uye imwe ine FICO yakakwirira uye yakaderera LTV:

(1) Mukwereti 1 arikuvavarira 2-4 unit primary property ine FICO mamakisi mazana matanhatu nemakumi maviri uye LTV yakakwira ye90%.
(2) Anokwereta 2, ane chibodzwa chakanakisa cheFICO che780, ari kunanga 50% LTV yekugara kwemhuri imwe chete.

Kuburikidza neQM Community Loan Programme, vese vanokwereta vanopihwa mwero wakafanana wemakwikwi we7.625%, zvisinei neakasiyana maprofile, achiratidza kuzvipira kwechirongwa ichi kukweretesa mikana yakaenzana.

Chiitiko chega chega chinopa muenzaniso wakajeka, unogoneka wekuti zvakasiyana sei nechirongwa, kunyanya kuregera kweLoan-Level Price Adjustment (LLPA) kugadzirisa, kunogona kuita mutsauko mukuru mukukwanisa kwemukwereti kuchengetedza chikwereti.Nekuenzanisira nyaya idzi, tinovavarira kuratidza kuchinjika kwechirongwa, kusanganisirwa, uye kugona kwayo kupa simba rakasiyana siyana revanokwereta mukutsvaga kwavo kuva muridzi wemba.

Pano tichadzokorora Zvakanakira zveQM Community Loan Chirongwa:

• Kupa chirongwa chakakosha chinopa mabhenefiti asingaenzaniswi kune vatengi vako!
  $4,500 CREDIT Yezvivakwa Zvakakodzera: Ichi chakasarudzika chinopa imwe yekuwedzera mari yekukurudzira, zvichiita kuti chirongwa chinyanye kukwezva kune vangango kwereta.
• Usapotsa mukana uyu usingaenzaniswi
  AII LLPA/LTV&FICO/Cash-Out/High Balance Adjustments Waived: Vanokwereta vanogona kutaura zvakanaka kune zvechinyakare agency kugadzirisa, vachivhura musuwo kune zvirinani mareti uye mazwi.
• Iti zvakanaka kune yakajairwa agency kugadzirisa!
  Kwete Condo / 2-4 ma Units Adjustments: Iyi gadziriro inowedzera imwe nhanho yekubatsira, kunyanya kune avo vari kutsvaga mumhando idzi dzezvivakwa.
• Nakidzwa neizvi zvimwe zvibvumirano
  Hapana Dzidzo Yemuridzi Wepamba / Hapana Zvirambidzo Zvemuhoro: Chirongwa chinogadzirisa maitiro, kubvisa zvipingaidzo zvakajairika uye nekumhanyisa nguva dzekubvumidzwa kwechikwereti.
• Ita kuti nzira yacho iite nyore uye nekukurumidza
  YeKugara Kwekutanga

Inowanikwa kutenga, R/T Refi uye Cash out: Chirongwa ichi chinoshanda zvakasiyana-siyana, chiripo pakutenga, chiyero/temu refinancing, uye mari-out refinancing, inobata kune zvakasiyana siyana zvinodiwa nemuridzi wemba.

Sezvo musika wedzimba uchishanduka, iyoQM Community ChikweretiPurogiramu yakagadzirira kugadzirisa uye kuwedzera.Kuwedzeredzwa kweramangwana kunogona kusanganisira tsigiro yezvirongwa zvekugara, kuenderana nemisika iri kubuda, uye kubatanidzwa kwehunyanzvi hwekugadzirisa maitiro.Izvi zvinogona kuitika zvinoratidza kuzvipira kwechirongwa chekuramba chakakodzera uye chinoshanda kune varidzi vedzimba varipo uye vachauya.

TheQM Community ChikweretiChirongwa chinopfuura chigadzirwa chemari;iuchapupu hwenzira yakaenzana uye inosvikika pakuva muridzi wemba.Mamiriro ezvinhu anoratidzwa anosimbisa kugona kwechirongwa kugovera kune vakasiyana-siyana vanokwereta, zvichiita kuti pave nekuenzana mukukweretesa.Nemabhenefiti ayo akasiyana uye maficha ekufunga-mberi, iyo QM Nharaunda Yechikwereti Chirongwa inomira sechiedza chemukana, ichipa nzira yekuva muridzi wemba inogoneka uye inogoneka.Gamuchira chirongwa ichi nhasi uye pinda mune ramangwana rekubudirira kwemari uye kugadzikana mumba mako yemaroto.

VhidhiyoZiva iyo QM Nharaunda Chikwereti Chakanakira: Mukana Wakaenzana, Zvirinani Mareti!

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.