IWholesele - Inkqubo eBolekayo ye-AAA engeyiyo ye-QM enomdla – Uxwebhu olupheleleyo – i-AAA ebolekisa ngemali kunye nomtyali-mali

Iinkcukacha zeMveliso

Ukwenziwa kwezinto elubala kungundoqo wemisebenzi yethu. Siyazingca ngonxibelelwano lwethu oluvulekileyo nolunyanisekileyo kunye nabathengi bethu. Akukho ntlawulo ifihliweyo, akukho nto imangalisayo. Sinikezela ngolwazi olucacileyo, olucacileyo malunga neendlela zakho zokubambisa, siqinisekisa ukuba unazo zonke iinyani zokwenza izigqibo ezizizo. Injongo yethu kukwakha intembeko kubathengi bethu ngokuthetha phandle nangokuphandle, ukwenza amava akho enkxaso-mali ekhaya agudiseke kangangoko.I-Mortgage Broker yaseCalifornia,Imibuzo yoVavanyo lwe-Mortgage Broker,IiReyithi zeMali-mboleko eziQhelekileyo, Yasekwa ngo-2007, i-AAA LENDINGS ngumbolekisi obalaseleyo we-mortgage onembali etyebileyo ethatha iminyaka engaphezu kwe-15. Siye saduma ngokuzinikela kwethu okungagungqiyo ekuboneleleni ngenkonzo eyodwa nokuthembeka kwihlabathi lokubolekisa ngemali-mboleko. Ipotfoliyo yethu yokuboleka imali ibubungqina bamava kunye nokukwazi kwethu, kunye nentlawulo ekhwankqisayo iyonke yemali-mboleko engaphaya kweebhiliyoni ezingama-20 zeedola. Ukutyhubela iminyaka, obu buchule bezemali busenze ukuba sikwazi ukunceda iintsapho eziphantse zibe ngama-50,000 ekuphumezeni iinjongo zazo zokuboleka imali, ukwenza amaphupha okuba ngabaninimzi abe yinyani.

– AAA Ukuboleka Inkqubo Non-QM abanomdla – Uxwebhu olugcweleyo – AAA IiNkcukacha zokuBoleka:

Isihloko-FD

Isishwankathelo

I-Doc epheleleyo, kubaboleki abangakwaziyo ukwenza i-Non-agency Jumbo. Isixa-mali semali-mboleko engaphezulu/i-DTI ePhezulu/i-LTV ePhezulu/ iipropati ezixhaswa ngemali engasikelwanga mda.

Iimbalasane zeNkqubo

1) Ubukhulu. I-DTI 55%;
2) Ukuya kuthi ga kwi-4M yeMali yeMali-mboleko;
3) Ukuya kuthi ga kwi-80% LTV;
4) Akukho MI (i-Inshurensi ye-Mortgage);
5) 660 okanye ngaphezulu Credit Score;
6) iinyanga ezi-6 okanye ngaphezulu koovimba;
I-7) imbuyekezo yerhafu yonyaka we-1.

Ngowuphi umahluko phakathi kwe-Non-QM Full Doc kunye neNkqubo yoQeqesho olupheleleyo?

Ngokubanzi, uninzi lwabafaki-zicelo banokufaka isicelo semali-mboleko yesiqhelo yeJumbo ngenjongo yemali-mboleko ephezulu. Nangona kunjalo, kumava ethu, inkqubo yeJumbo eqhelekileyo akulula ukuyivala.

Nangona kunjalo, phantsi kweemeko ezithile, abafaki-zicelo abanakufaneleka okanye baqhubeke nenkqubo yeJumbo eqhelekileyo, ngenxa yoko banokwenza kuphela imveliso engeyiyo ye-QM ukwanelisa injongo yabo, njengesixa-mali semali-mboleko ephezulu/ Imali-mali ephumayo/ LTV/ Amanqaku etyala, njl.

UXwebhu lwethu lweNgeniso ePheleleyo yeNgeniso ye-QM luyafumaneka kubaboleki abanemali-mboleko ye-jumbo kunye neemali-mboleko ezihambelanayo eziwela ngaphandle nje kweeparameter ze-Qualified Mortgages. Iimali-mboleko kule nkqubo kufuneka zingafanelanga ukuthengiswa kuyo nayiphi na i-Arhente kaRhulumente.

Izibonelelo ze-Full Doc

1. Imali-mboleko ephezulu kunemali-mboleko ye-arhente;
2. Umlinganiselo ophezulu we-DTI, imida ephantsi;
3. Akukho MI (i-Inshurensi ye-Mortgage) efunekayo;
4. Ukukhupha imali kuvumelekile;
5. I-LTV ephezulu kunemali-mboleko ye-arhente.

Imifanekiso yeenkcukacha zemveliso:

IsiKhokelo seMveliso esiNxulumeneyo:

Ngelixa ababolekisi abaninzi belinganisela umda wabo, siyaqhubeka nokwandisa ubukho bethu kumazwe ahlukeneyo, sisebenzela ababoleki kumazwe angama-45, kubandakanya ezinye zeemarike ezinamandla njengeCalifornia neTexas. Ukufikelela kwethu okubanzi kusivumela ukuba siqonde kwaye siziqhelanise nee-nuances zengingqi, siqinisekisa ukuba abathengi bethu kumazwe ahlukeneyo bafumana inkxaso yendawo ngelixa bexhamla kubuchwephesha belizwe lonke. – I-AAA yokubolekwa kweNkqubo eNgenayo i-QM enomdla – i-Doc epheleleyo – i-AAA yokubolekwa kwemali , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Macedonia, Peru, Karachi, Unokuhlala ufumana iimveliso ozifunayo kwinkampani yethu! Wamkelekile ukuba usibuze malunga nemveliso yethu kunye nantoni na esiyaziyo kwaye sinokunceda kwiindawo ezisecaleni zemoto. Sijonge phambili ekusebenzeni nawe ukuze ufumane imeko yokuphumelela.

-AAA Ukuboleka

Le nkampani ihambelana nemfuno yemarike kwaye ijoyina kukhuphiswano lwemarike ngemveliso yayo ephezulu, eli lishishini elinomoya waseTshayina.
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