11/03/2023

Kana zvasvika kune mari isingaite, Non-QM (Non-Qualified Mortgage) zvikwereti zvave kuwedzera kufarirwa. Vanokwereta vasingazadzise tsika dzechivanhu dzemortgage vanogona kutendeukira kune Vasiri-QM vanokweretesa chikwereti kuti vawane mhinduro dzakasiyana. Kana iwe uri kuCalifornia uye uchiongorora zvikwereti Zvisiri zveQM, gwara iri rakakwana richakubatsira kufamba-famba uye kuwana mukweretesi akakodzera kuti asangane nezvido zvako.

Kunzwisisa Zvikwereti Zvisiri zveQM

Zvikwereti zvisiri zveQM zvakagadzirirwa vanokwereta vangave vasingakwane mold inodiwa nevakweretesi vechinyakare. Zvikwereti izvi hazviteedzere kune zvakaomesesa zvakatarwa nemasangano anotsigirwa nehurumende saFannie Mae kana Freddie Mac. Panzvimbo iyoyo, vasiri veQM vanokweretesa vanoongorora vanokwereta zvichienderana nezvinhu zvakasiyana, sekutaura kwebhangi, kubuda kwemari, uye midziyo.

Heano mamwe mapoinzi akakosha ekunzwisisa nezve Kwete-QM zvikwereti:

• Chikwereti Flexibility: Zvikwereti zvisiri zveQM zvakanyanya kureruka kana zvasvika kune zvinodiwa nechikwereti. Vanokwereta vane kiredhiti shoma-kupfuura-yakakwana kana mamiriro echikwereti akasiyana vanogona kazhinji kukodzera.
• Alternative Documentation: Vasiri veQM vanokweretesa vanogamuchira mamwe magwaro, zvichiita kuti zvive nyore kune vanozvishandira kana avo vane mari isiri yenguva dzose kuti vatenderwe.
• Diverse Property Types: Zvikwereti zvisiri zveQM zvinogona kushandiswa kumhando dzakasiyana siyana dzezvivakwa, zvinosanganisira zvivakwa zvekudyara uye zvisina-warrantible condos.

Zvakanakira Zvikwereti Zvisiri zveQM

Zvikwereti zvisiri zveQM zvinopa zvakati wandei kune vanokwereta:

• Kuchinjika: Vanokwereta vane mari isingaite kana mamiriro emari vanogona kuchengetedza mari kana zvikwereti zvechinyakare zvingave zvisiri sarudzo.
• Mvumo yeKurumidza: Zvikwereti zvisiri zveQM zvinowanzoita kukurumidza kubvumidzwa, zvichibvumira vanokwereta kuti vatore mikana mumakwikwi emusika wezvivakwa.
• Unique Solutions: Vasiri veQM vanokweretesa vanogona kugadzira mapakeji echikwereti akasiyana kuti aenderane nemamiriro emari emukwereti uye zvinangwa.

Kutsvaga Iyo Isiri-QM Chikwereti Chikwereti muCalifornia

Paunenge uchitsvaga mukweretesi asiri weQM muCalifornia, heano matanho akakosha ekufunga nezvazvo:

1. Tsvakurudzo uye Kuenzanisa

Tanga nekutsvaga vasiri veQM vanokweretesa muCalifornia. Tarisa kune avo vane mukurumbira wakasimba uye nhoroondo yekupa Non-QM zvikwereti.

2. Verenga Ongororo

Tarisa ongororo uye zvipupuriro kubva kune vakambokwereta kuti uone mukurumbira wemukweretesi uye kugutsikana kwevatengi.

3. Nyanzvi Consultation

Funga kubvunzana nenyanzvi yemortgage inova nyanzvi yezvikwereti zvisiri zveQM. Ivo vanogona kukutungamira kune vanokweretesa nemashoko akanaka uye hunyanzvi hwekuzadzisa zvaunoda zvakasarudzika.

4. Kujeka

Sarudza mukweretesi ari pachena pamusoro pematemu avo echikwereti, mareti, uye mubhadharo. Iwe unofanirwa kunyatsonzwisisa mazwi echikwereti chako cheNon-QM.

5. Kukwereta Mitemo uye Matengo

Kumbira makotesheni kubva kune vakawanda Vasiri-QM vanokweretesa kuti vaenzanise mazwi echikwereti, mareti emubereko, uye mubhadharo. Izvi zvichakubatsira kuchengetedza chikwereti chinonyanya kukosha.

Vasiri-QM Vanokwereta Vanokwereta muCalifornia

Mhedziso

Vasiri veQM vanokweretesa muCalifornia vanopa nzira yekurarama kune vanokwereta vasingaenderane neforoma yemamortgege echinyakare. Izvi zvakasarudzika zvigadzirwa zvechikwereti zvinopa kuchinjika, kubvumidzwa nekukurumidza, uye akagadzirirwa mhinduro. Nekudaro, zvakakosha kuita tsvakiridzo yakakwana, kutsvaga zano renyanzvi, uye kusarudza mukweretesi ane pachena uye mazwi akanaka. Nechikwereti cheNon-QM chakakodzera uye mukweretesi, unogona kuzadzisa zvivakwa zvako uye zvibodzwa zvemari, kunyangwe ukasazadzisa zvakajairwa zvikwereti zvenguva dzose.

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