Njani Prime Full Doc Jumbo Lula Jumbo Loan Solutions

Ukuzulazula kwihlabathi leI-Jumbo LoansIsenokuziva isoyikeka, ngakumbi xa izinto ozibonayo zimiselwe kwipropathi enexabiso elingaphaya kwemida eqhelekileyo. Ngena iPrimeUGqirha opheleleyoJumbo, imveliso ye-powerhouse mortgage eyenzelwe ukwenza lula inkqubo ngelixa uhambisaiimali-mboleko ezinkulukunye nokuphelisa i-inshurensi yokubambisa yabucala (PMI). Kubathengi abaleqa ikhaya lamaphupha abo-nokuba yindawo ethe tyaba okanye i-penthouse yasezidolophini-le mboleko inika indlela elungelelanisiweyo yobunini kunye neenzuzo ezingenakuthelekiswa.

Kwisiseko sayo, iPrime Full Doc Jumboyakhelweimali-mboleko enkuluabafunayo abafuna ngaphezu komgangatho we-1,149,825 we-high-balance limit ebekwe kwi-2025 kwiindawo ezixabisa kakhulu zase-US. Yimali-mboleko egcweleyo, oku kuthetha ukuba ababoleki kufuneka babonelele ngeminyaka emibini yembuyekezo yerhafu kunye nemithombo yengeniso eneenkcukacha-ukususela kumvuzo we-W-2 ukuya kwimivuzo yokuzisebenzela okanye umvuzo wokurenta. Oku kungafihlwa kuqinisekisa ukubaiimali-mboleko ezinkuluziyafikeleleka kubaphulaphuli ababanzi, kubandakanywa abemi base-US, abahlali abasisigxina, kunye nabahlali abangesosigxina abaneenombolo zoKhuseleko lweNtlalo, njengoko kuchaziwe kwizikhokelo zeMatrix.

Ukukwazi ukukhuselaiimali-mboleko ezinkululuphawu oluchazayo. Khawube nomfanekiso-ngqondweni wosapho lwaseChicago lujonge kwi-3 yezigidi zeerandi kwindlu enkulu eyimbali. NePrime Full Doc Jumbo, banokuxhasa ngemali oku kuthenga nge-5% ephantsi ukuba i-LTV i-70% okanye ngaphantsi, okanye i-10% ukuba iphezulu-konke kuvela kwii-asethi zabo zolwelo. Iimali zesipho aziyiyo inketho yolondolozo okanye amakhaya esibini, kodwa ukuguquguquka kwenkqubo kunye nemithombo yengeniso-njengeebhonasi, iikhomishini, okanye ipenshoni yomhlalaphantsi-yenza ibandakanye. Ingxelo yeRedfin iphawula ukuba imali mboleko yejumbo ibalelwa kwi-20% yokuthengwa kwezindlu zodidi ngo-2024, umkhwaPrime Full Doc Jumboikulungele ukukhawulezisa.

Omnye umzobo omkhulu?Akukho PMI. Iimali-mboleko ze-jumbo eziqhelekileyo zihlala zifuna i-PMI xa iintlawulo eziphantsi ziwela ngaphantsi kwe-20%, zongeza amakhulu kwiindleko zenyanga. IPrime Full Doc Jumboichitha ezi ndleko ngokupheleleyo, ikhulula imali yokuba abaninimzi banandiphe izinto zabo. Kwimali-mboleko ye-2.8 yezigidi zeerandi, oku kunokuthetha ukongiwa kwe-400 yeedola ngenyanga-imali echithwa ngcono ekuphuculeni okanye kutyalo-mali. Le perk, idityaniswe neiimali-mboleko ezinkulu, ibeka imali-mboleko njengokhetho oluphezulu lwababoleki abanolwazi.

Imigangatho yokuthenga ngetyala kunye novavanyo yomeleza ukuthembeka kwayo. Ababoleki bafuna imigca emine yokurhweba, enye enembali yeenyanga ezingama-24, kunye nerekhodi yentlawulo yeenyanga ezili-12 ezingenasiphako. Iipropati kufuneka zivavanywe kunyaka ophelileyo, kunye nohlengahlengiso lokuhla kwexabiso lemarike. Ezi mfuno ziqinisekisa ukubaimali-mboleko enkuluUncedo-mali luhlala lukhuselekile, nkqu nakwizivumelwano zezigidi zeerandi. Umnini-mhlaba onamava eminyaka emibini, umzekelo, unokusebenzisa le mali mboleko ukuthenga ipropathi yerenti yezigidi ezi-2.5 zeerandi, efumana umvuzo wokurenta ukuze afaneleke.

IPrime Full Doc Jumbokananjalo igcina iipropati ezixhaswe ngemali ezintlanu kwiindawo zokuhlala eziphambili nezine kumakhaya esibini okanye utyalo-mali, kugcinwe ipotifoliyo elungeleleneyo kubaboleki. Iminyaka engama-30 emiselweyo okanye 7/6 iinketho ze-ARM zikwaphucula ngakumbi ukuguquguquka, ukuvumela abathengi bakhethe imiqathango ehambelana nesicwangciso sabo sezemali. Kwimarike aphoimali-mboleko yejumbozibaluleke kakhulu-ngokwe-Mortgage Bankers Association-le mveliso ibalasele ngokulula kwayo kunye nexabiso.

Ekugqibeleni, iPrime Full Doc Jumboiguqula iimali-mboleko enkuluimbonakalo-mhlaba. Ngeiimali-mboleko ezinkulu,akukho PMI, kunye nesakhelo esicacileyo sokufaneleka, sisisombululo esinika amandla abathengi ukuba bacinge ezinkulu ngaphandle kwemiqobo eqhelekileyo. Nokuba ungowokuqala umthengi wobunewunewu okanye ungumtyali-mali onamava, le mboleko ibonelela ngezixhobo zokuguqula amabhongo abe yinyani.