Iindaba ze-Mortgage

  • Ungawulungela njani umvuzo wekhefu lethutyana?

    Ikhefu lexeshana ngenxa ye-COVID-19 kumqeshi lisenokubandakanya iimeko ezahlukeneyo (umz. usapho kunye nezonyango, ukukhubazeka kwexeshana elifutshane, ukubeleka, amanye ikhefu lethutyana kunye okanye ngaphandle kwentlawulo).Ngexesha lekhefu lethutyana, umvuzo womboleki unokucuthwa kwaye/okanye ngokupheleleyo...
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  • Intshayelelo yembuyekezo yerhafu

    Amagama angundoqo: Imbuyekezo yerhafu;ukwandiswa kokufakwa kwerhafu ye-IRS;Phesheya kweelwandle Ngaba uziva ubhidekile xa imbuyekezo yerhafu kufuneka isetyenziselwe ukufaneleka kwimali-mboleko yakho?ngowuphi unyaka wembuyekezo yakho yerhafu ekufuneka unikiwe? Kukho amaxesha amane ekufuneka uwaqaphele:...
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  • Iimfuno ze-Arhente malunga nobuNnini obungaphantsi kwe-25%

    Amagama angundoqo: uFannie Mae;Uziqeshile;Ubunini obungaphantsi kwama-25% Apha ngezantsi kukho iimfuno zesikhokelo se-arhente malunga nobunini bomboleki obungaphantsi kwe-25% kwishishini, nceda ufunde ngononophelo, ugxininise ngakumbi: ...
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  • Imali-mboleko ye-Mortgage engeyiyo-QM

    Amagama angundoqo: Akukho paystub;Hayi W2;Akukho Mbuyiselo yeRhafu;Akukho 4506-T;Akukho mali-mboleko ye-DU/LP engeyiyo ye-QM yenye indlela yeemali-mboleko eziqinisekisiweyo ze-mortgage (QM) .Ngokukodwa ngakumbi, imali mboleko engeyiyo ye-QM yileyo engafunwayo ukuhlangabezana norhulumente womanyano kunye noMthengi...
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  • I-NON-QM Iimfuno zokukhupha imali kunye nenzuzo

    1. Kwimali-mboleko engeyiyo ye-QM, imfuno yokuphuma kwemali ilandelayo: ● I-Cash out seasoning, i-AAA Capital ichaza i-cash-out seasoning njengomahluko phakathi komhla wesicelo semali-mboleko entsha kunye nomhla wenqaku lemali yangaphambili okanye umhla wokuthenga.① Ngezakhiwo ezineenyanga ezilishumi elinesibini (12)...
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  • [Kopisha] Inkqubo yokuSetywa kweAsethi engeyiyo-QM

    I-ATR-IN FULL yinkqubo entsha engeyiyo eye-QM efuna nje ii-asethi ukuze ifaneleke, kwaye ayiqikeleleli i-DTI.Le nkqubo idinga nje ii-asethi ezifanelekileyo ukuba zibe ngaphezulu kwesixa-mali semali-mboleko kunye neNgxowa-mali ukuze kuvalwe, kwaye amaxwebhu kufuneka abe ziinyanga ezi-2 kuphela....
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  • Inkqubo engeyiyo ye-QM yokuSetywa kweAsethi

    Le nkqubo yenzelwe ababoleki abanee-asethi ezibalulekileyo ezinokuqinisekiswa kwaye banokuzuza kwezinye iindlela zokufaneleka mboleko.Imfuneko 1- Ubuninzi be-DTI yi-50% 2- Amaxwebhu-Iingxelo zebhanki zobuqu zeenyanga ezi-6 3-...
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  • Non-QM 12/24 inkqubo yeengxelo zebhanki

    Le nkqubo yenzelwe ababoleki abazisebenzelayo nabaza kuxhamla kwezinye iindlela zokufaneleka mboleko.Iziteyitimenti zebhanki (zobuqu kunye/okanye ishishini) zinokusetyenziswa njengenye indlela kwiimbuyekezo zerhafu ukuze kubhalwe umvuzo womboleki oziqeshileyo ...
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  • Inkqubo yeDSCR yomlingo

    Amagama angundoqo: FHA;UMvuzo ophantsi;Ngokwesiqhelo;Imali-mboleko yezindlu.Kutheni sisithi inkqubo yeDSCR inomlingo? 1. Akukho lwazi lomsebenzi kunye nengeniso efunekayo.2. Ukuba i-LTV isezantsi, sinokuyirhoxisa i-asethi yokuqinisekisa.3. 5-8 iyunithi yokuhlala p...
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  • Indlela yokwazi uqikelelo lwerenti yemarike?

    Amagama angundoqo: Thenga;Umvuzo wokuRenta;Irenti;IWebhusayithi Ixabiso lokurenta libalulekile ekuthengeni ipropathi yotyalo-mali.Singalibona njani ixabiso lerenti ngoko?Ezi webhusayithi zilandelayo zinokukunceda.Akukho login efunekayo, simahla....
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  • Ungawaphucula njani amanqaku akho etyala?Ngaba ndingaphinda ndifake imali xa ndinonyamezelo?

    Amagama angundoqo: Amanqaku etyala;Ikhadi letyala Nantsi indlela yokunyusa amanqaku akho etyala phambi kokuba ufake isicelo semali mboleko: 1. Hlawula amatyala akho ngexesha.Intlawulo yangexesha ithatha indawo enkulu ...
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  • Indlela yokuvala ipropathi yotyalo-mali ngokukhawuleza!

    Akukho ndaba zingcono kunokuthenga ikhaya lotyalo-mali ngokukhawuleza kuthi.Ukuba usenexhala malunga nemali mboleko yotyalo-mali, qhagamshelana nathi kwaye uya kuzifumana ngokungalindelekanga.Utyalo-mali lwethu lwe-AAA eyiNkunzi luyile imveliso ekhethekileyo yePropathi yoTyalo-mali-DSCR.♦ O...
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