11/17/2023

Muhupenyu, tinowanzosangana nezviitiko zvakasiyana-siyana zvisingatarisirwi izvo zvingada kudikanwa kwemari kamwe kamwe.Kana iwe ukazviwana iwe uchida mari nekuda kwechikonzero chero chipi asi uchishuvira kudzivirira kudzorerazve mari, chikwereti chemba chinogona kunge chiri mhinduro yakanaka yekuwana mari.Nekupinda muequity yemba yako uye nekubvisa mubereko wechikwereti chako chechipiri kubva pane chako chekutanga, unogona kushandisa equity yemba yako usingakanganise mubereko wemba yako yekutanga uye pasina chikonzero chekubhadhara.

Chii chinonzi Closed-End Second Mortgage?

A Yakavharwa-Kupera KwechipiriMortgage (CES Chikwereti) imhando yechipiri yemortgage iyo inokutendera iwe kuti ukwidzise imba yako yakaenzana usingakanganise mubereko wemumba wako wekutanga.Dzimwe zvikwereti zvechipiri "zvakavhurika-kupera," zvichireva kuti unogona kuramba uchitora mari kusvika painogumira uye wozonyora patsva pakubhadhara, zvakafanana nemutsara wechikwereti.Nekudaro, "yakavharwa-kupera" yechipiri mortgage zvinoreva kuti iwe unogamuchira mari yese yechikwereti mumari imwe chete uye haugone kutora imwe imwe mari mushure mekugamuchira chikwereti.

Project Overview:
-Alternative money options.
- Flexible underwriting wongororo.
- Inobvumidza marudzi ese ekugara.
-Inobvumira vanokwereta kuti vabvise mari pasina kushandura mubereko wemari yavo yekutanga yembavha.
-Inobatsira pakubatanidza chikwereti, kugadziridza imba, uye zviitiko zvisingatarisirwi zvehupenyu.

Sei Kusarudza Yakavharwa-Kupera Kwechipiri Mortgage:
1. Quick Liquidity
Rudzi rwechikwereti urwu runogonesa varidzi vedzimba kuti vakurumidze kuwana chitsama chakakura chemari.Kushandiswa kwemari idzi hakuna kuganhurirwa - unogona kuishandisa kubhadhara zvikwereti, kupa mari yekuwedzera dzidzo, kana kugadzirisa dzimba huru pasina kushandisa zvikwereti zvako kana dzimwe nzira.
2. Fixed Interest Rates
Kana ukasarudza aImba Equity Line yeChikwereti (HELOC), ungangowana mubereko wakasiyana.Yakavharwa-Kupera KwechipiriZvikwereti zvinopa sarudzo yechiyero chakatarwa chemubereko, chingave chakanakira kana ukakiya mukati kana mitengo yakadzikira.
3. Lower Credit Score Chinodiwa
Isu tinopa zvikwereti izvi kune vanokwereta vane FICO zvibodzwa zvakaderera se660, nechikwereti chepamusoro chinosvika madhora mazana mashanu nemakumi mashanu uye mari yakasanganiswa inosvika zviuru zviviri nemazana mashanu emadhora.
4. Yakakwirira Kukwereta-ku-Kukosha Ratio
Tinopa huwandu hweLTV/CLTV hwe75% -90%, ine Chikwereti-ku-Income Ratio (DTI) ye50%.
5.Hapana Mutero Wemukweretesi
Hapana mubhadharo wemortgage application, appraisal, underwriting, processing, private mortgage inishuwarenzi uye mamwe echitatu-bato rekuvhara mari.
6. Vekune dzimwe nyika Vanogona Kunyorera
Chirongwa hachina kugumira kune vagari vemuUS chete;vatorwa vasiri vekugara zvachose uye vatorwa vanogara zvachose vanokodzera kunyorera, chero vaine nhoroondo yechikwereti yekuUS uye mvumo yekushanda.

Mukupedzisa,Yakavharwa-Kupera KwechipiriZvikwereti zvinopa varidzi vedzimba nzira inoshanda yekushandisa imba yavo yakaenzana pasina kudiwa kwekubhadhara mari uye pasina kushandura mubereko wembavha yavo yekutanga.Rudzi urwu rwekutendeseka kwechikwereti rwunoonekwa mukugamuchira kwarwo mari dzakasiyana siyana nemhando dzekugara uye zvinodiwa kuti zvibodzwa zveFICO zvakaderera se660, zvichipa nzira yekukurumidza mari.Yayo yakatarwa-chiyero sarudzo uye yakakwira LTV/CLTV chiyero inopa imwe chengetedzo uye simba rekukwereta kune varidzi vemba.Zvakare, haisvikike kuvagari vemuUS chete asiwo kune vekunze vanokwanisa vasina mutoro wekuwedzera mubhadharo wemukweretesi, zvichiita kuti ive sarudzo yakanaka yekugadzirisa kubatanidzwa kwezvikwereti, kuvandudzwa kwemba, kana zvimwe zvinodiwa zvemari.AAA Lendings yakamisa chinzvimbo chayo mumusika usiri wechinyakare wechikwereti kuburikidza nebasa rehunyanzvi, ichipa nzira inoshanda kune varidzi vedzimba vazhinji kuti vazadzise zvinangwa zvavo zvemari.

Nezve AAA Lendings

Yakavambwa muna 2007, AAA Lendings yave inotungamira mukweretesi wemondi ane anopfuura makore gumi nemashanu ekunaka.Yedu yepakona iri kupa isingaenzaniswi sevhisi uye kuvimbika, kuve nechokwadi chekugutsikana kwakanyanya kwevatengi vedu.

Nyanzvi muhuwandu hwakawanda hweZvisiri-QM zvigadzirwa-kusanganisiraNo Doc Hapana Chikwereti, Kuzvigadzirira P&L, WVOE, DSCR, Bank Statements, Jumbo, HELOC, Close End Secondzvirongwa—tinotungamira mumusika wechikwereti we'Non-QM'.Isu tinonzwisisa kuomarara kwekuchengetedza zvikwereti uye tine akasiyana 'Chikwereti Arsenal' kusangana nematambudziko aya.Kupinda kwedu kwekutanga mumusika weNon-QM kwakatipa hunyanzvi hwakasiyana.Nhamburiko dzedu dzokupayona zvinoreva kuti tinonzwisisa zvidikanwi zvako zvemari zvakasiyana.NeAAA Lendings, kusvika pazvinangwa zvako zvemari zviri nyore uye zvinowanika.

Tabatsira mhuri dzinoda kusvika zviuru makumi mashanu kuti zviroto zvadzo zvemari zvizadziswe, nemari yechikwereti ichipfuura mabhiriyoni makumi maviri emadhora.Kuvapo kwedu kwakakosha munzvimbo dzakakosha seAZ, CA, DC, FL, NV, uye TX zvinotitendera kuti tishumire huwandu hwevanhu.

Nevanopfuura zana vakazvipira vamiririri uye vari-mumba vanonyora pasi uye zvikwata zvekuongorora, isu tinoona yakagadziridzwa uye isina kunetseka-yekukwereta maitiro.

VhidhiyoKuvhura Rusununguko rweMari: Mabhenefiti eKusarudza Yakavharwa-Kupera Kwechipiri Mortgage

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.