Yandisiwe iJumbo yeDoc ePheleleyo-Ukuvula izisombululo zokubolekwa kweXabiso eliPhezulu

Ukuzulazula kwihlabathi leemali zokubambisa kunokuziva kunzima, ngakumbi xa ipropathi yephupha lakho idlulaImida yeMali-mboleko eqhelekileyo. Ngena iUxwebhu olugcweleyo olwandisiweyojumbo, ukhetho lwemali yeprimiyamu evela kwi-AAA Capital Investment, Inc. ebonelela kubaboleki abafuna iimali-mboleko ezinkulu ngokuguquguquka okukodwa. Nokuba uthenga i-condo yodidi okanye ipropathi eneyunithi ezininzi, okuAUS Jumboimveliso iphakamisa ukusebenza kakuhle kwe-Automated Underwriting Systems (AUS) ukunikezela ngokukhawuleza, ukuvunywa okuthembekileyo ngaphandle komthwalo wohlengahlengiso olugqithisileyo okanye iimfuno eziqinileyo zekhredithi.

Enye yezona zinto zibalulekileyo zeYandisiwe Full Doc Jumbokukufikeleleka kwayo kubaboleki ngeI-FICO ephantsiInqaku. Ngelixa iimali-mboleko ze-jumbo zemveli zihlala zifuna ikhredithi ecwengileyo-ngokuqhelekileyo inqaku le-FICO lama-700 okanye ngaphezulu-le mveliso ibonelela ngobubele, ngaphandle kokuba ezinye iindlela zokufaneleka zihlangatyezwana nazo. Idityaniswe nobuncinci bexesha leminyaka esixhenxe kwimisitho ethoba isidima njengokutshona kwemali okanye ukuthinjwa (ngokwezikhokelo zeMatrix), ivula iingcango kubaboleki baphinde bakhe iiprofayili zabo zemali. Ngokomzekelo, umntu obolekayo onamanqaku e-FICO kwiminyaka engama-600 ephantsi, ingeniso ezinzileyo, kunye nembali ecocekileyo yentlawulo yamva nje isenokufumana imali mboleko ye-1.8 yezigidi zeerandi kwindawo yokuhlala ephambili-into ephantse ingenzeki ngeminikelo eqhelekileyo.

Uhlobo lwepropati bhetyebhetye lolunye uphawu lwale mali mboleko. Ngokungafaniyo nababolekisi abaninzi abanyanzelisa uhlengahlengiso lwamaxabiso ee-condos okanye kwiipropathi zeyunithi ezi-2-4, iYandisiwe Full Doc JumboIimbonakaloAkukho Lungiso lweCondo/2-4 iiyunithi. Oku kuthetha ukuba ababoleki bajongana neendleko zongezelelweyo okanye imiqobo xa bexhasa ngemali ezi ntlobo zepropathi, oko kuyenza ilungele abathengi basezidolophini okanye abatyali-mali. Ngokwengxelo ka-2024 kaZillow, ukuthengiswa kwe-condo kwizixeko ezikhulu zase-US njengeNew York kunye neSan Francisco kunyuke nge-12%, ebonisa umdla okhulayo wezakhiwo ezinjalo. Ngale mveliso, umthengi angaxhasa ngezimali i-triplex ye-2 yezigidi zeerandi ngaphandle kokuxhalaba ngamaqondo anyusiweyo ngenxa yokuhlelwa kwepropati.

Umqolo wale mali yokubambisa kukuxhomekeka kwayoAUS Jumboiteknoloji. Ngokuthobela imigangatho yeDesktop Underwriter (DU) okanye uMcebisi weMveliso yeMali-mboleko (LPA), imali-mboleko iqinisekisa ukubhalwa phantsi okungaguqukiyo kwengeniso, i-asethi, kunye nekhredithi. Oku kuluncedo olukhulu kubaboleki abaneeprofayili ezintsonkothileyo zemali-cinga abantu abazisebenzelayo abasebenzisa ii-asethi zoshishino kwiintlawulo eziphantsi (ngokwezikhokelo ze-Arhente) okanye abo baxhomekeke kwingeniso yeRSU. Nangona kunjalo, iMatrix ayibandakanyi imithombo yengeniso eguquguqukayo njengenzuzo eyinkunzi okanye i-cryptocurrency, ukugcina kugxilwe kuzinzo.

Ukufaneleka kuthe ngqo kodwa kuchanekile. Abemi base-US, abahlali abasisigxina, kunye nabaphambukeli abangahlali ngokusisigxina abaneendawo zokuhlala ezisemthethweni banokufaka isicelo, ngelixa abantu bangaphandle kunye nabamangali bengabandakanywa. Ubuninzi bemali-mboleko bufikelela kwi-2,000,000 yeedola kunye ne-DTI ye-50% yeendawo zokuhlala eziphambili, zehla ukuya kwi-45% kwezinye iimeko. Ii-asethi kufuneka zihambelane nesipho se-AUS kunye nemithetho yediphozithi enkulu, kunye noovimba beshishini bathintelwe, ukuqinisekisa indlela eqeqeshekileyo yenkxaso-mali.

Uvavanyo, iYandisiwe Full Doc Jumboifuna uvandlakanyo olupheleleyo lokuthenga ukuya kutsho kwii-$3,000,000, nezimbini zohlaziyo-mali ezidlula i-$2,000,000, ziqinisekisa amaxabiso achanekileyo. Ngobuninzi bepropathi ezixhaswa ngemali ezili-10, lukhetho oluguquguqukayo kubatyali-zimali abanamava. Izithintelo ezingqale kurhulumente, njengokungafanelanga i-Texas 50(a)(6) refinances, ziyasebenza, kodwa isibheno esibanzi semveliso sihlala sinjalo.

Kwimarike apho ukuguquguquka kunye nokufikeleleka kubalulekile, iYandisiwe Full Doc Jumboime ngaphandle. YaloI-FICO ephantsiunyamezelo,Akukho Lungiso lweCondo/2-4 iiyunithi, kwayeAUS Jumboukusebenza kakuhle kuyenza ibe lukhetho olukwinqanaba eliphezulu kubaboleki abaqondayo. Ngaba ukulungele ukuxhasa ngemali intshukumo yakho enkulu elandelayo? I-AAA Capital Investment, Inc. ilapha ukukukhokela kwinqanaba ngalinye lendlela.