Overview
Full Doc, kune vanokwereta vasingakwanise kuita Non-agency Jumbo.Yakawanda mari yechikwereti/Yakakwira DTI/Yakakwira LTV/Isina muganho ane mari zvivakwa.
Zvikuru zvePurogiramu
1) Max.DTI 55%;
2) Kusvikira ku $ 4M Chikwereti Chikwereti;
3) Kusvikira ku80% LTV;
4) Kwete MI (Mortgage Inishuwarenzi);
5) 660 kana yepamusoro Chikwereti Chikwereti;
6) 6 mwedzi kana kupfuura reserves;
7) 1-gore mutero kudzoka.
Ndeupi misiyano pakati peNon-QM Yakazara Doc uye Yakazara Yakakodzera Chirongwa?
Kazhinji, vazhinji vevanyoreri vanogona kunyorera yakajairika Jumbo chikwereti nechinangwa chepamusoro mari yechikwereti.Nekudaro, muzviitiko zvedu, chirongwa cheJumbo chakajairika hachisi nyore kuvhara.
Nekudaro, mune mamwe mamiriro ezvinhu, vanyoreri havakwanise kana kuenderera neyakajairwa Jumbo chirongwa, semhedzisiro ivo vanogona chete kuita isiri-QM chigadzirwa kugutsa chinangwa chavo, senge yakakwira mari yechikwereti/ Cash-out/ LTV/ Credit mamakisi, etc.
Yedu Isiri-QM Yakazara Income Documentation inowanikwa kune vanokwereta vane jumbo zvikwereti uye zvinoenderana nezvikwereti izvo zvinowira kunze kwezviyero zveAkakodzera Mortgages.Zvikwereti zviri muchirongwa ichi hazvifanirwe kunge zvinokodzera kutengeswa kune chero Hurumende Agency.
Mabhenefiti eFull Doc
1. Yakakwira mari yechikwereti pane zvikwereti zveagency;
2. High DTI reshiyo, yakaderera miganhu;
3. Hapana MI (Mortgage Insurance) inodiwa;
4. Kubvisa mari kunobvumirwa;
5. Yakakwira LTV pane zvikwereti zveajensi.
