Ibicuruzwa byinshi - AAA Inguzanyo zitari QM Gahunda ishimishije - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA hamwe numushoramari

Ibicuruzwa birambuye

Gukorera mu mucyo nibyo shingiro ryibikorwa byacu. Twishimiye itumanaho ryeruye kandi rinyangamugayo hamwe nabakiriya bacu. Ntamafaranga yihishe, ntagitangaje. Dutanga amakuru asobanutse, ataziguye kubyerekeye amahitamo yawe yinguzanyo, turemeza ko ufite amakuru yose yo gufata ibyemezo byuzuye. Intego yacu nukubaka ikizere hamwe nabakiriya bacu muburyo bweruye kandi buboneye, bigatuma uburambe bwamafaranga yo murugo byoroha bishoboka.Abaguriza Inguzanyo,Arizona Mortgage Broker Cyangwa Utanga,Urutonde rwabakozi, Twumva ko gutunga amazu ari ishoramari rikomeye, kandi ushaka kumenya neza ko uhitamo neza. Niyo mpamvu dutanga serivisi mbere yo kwemeza igushimisha. Ibikorwa byacu byabanje kwemezwa birihuta kandi byoroshye, biguha ishusho isobanutse yubushobozi bwawe bwo kuguza. Hamwe naya makuru mu ntoki, urashobora gushakisha byimazeyo isoko ryimitungo itimukanwa, uzi ko uri umuguzi ukomeye kandi wujuje ibyangombwa.

- Inguzanyo ya AAA Gahunda ya QM idashimishije - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA Ibisobanuro:

Amazina-8

Incamake

Diamond Jumbo, kubaguriza badashobora gukora Non-Agency Jumbo. Umubare w'inguzanyo nyinshi / DTI Yisumbuye / LTV Yisumbuye / Imitungo itagira imipaka.

Ibisobanuro

1) Max DTI 55%;
2) Amafaranga agera kuri $ 4M y'inguzanyo;
3) LTV igera kuri 90%;
4) Nta MI (Ubwishingizi bw'inguzanyo);
5) amanota 660 cyangwa arenga;
6) kubika amezi 6 cyangwa arenga;
7) Umusoro wumwaka 1 urahari.

Iyi gahunda niyihe?

Wigeze uhura hepfo yikibazo?
• Utanga inguzanyo ntashobora kwemerera amafaranga yinguzanyo yawe menshi?
• Ntushobora kugera kuri LTV ndende ushaka?
• Ntidushobora gutanga inguzanyo ya jumbo idashobora kuguha inguzanyo-amafaranga?
• Ese uwaguhaye inguzanyo yagusabye kugura MI (Ubwishingizi bwa Mortgage)?
Niba warigeze guhura nibi bintu biteye isoni, noneho nta mpungenge. Abadatanga QM nabo bafite gahunda nkizo, zisa ninguzanyo zinzego. Nyamara, abatari QM batanga hamwe na {Inyandiko zuzuye product ibicuruzwa byinguzanyo bifite aho bigarukira cyane kuruta ibicuruzwa byinguzanyo byuzuye. Ufite amahitamo meza ubu. Ingingo imwe y'ingenzi ushobora kwitaho ni: Urashobora gusaba iyi gahunda gusa niba udashoboye kuzuza inguzanyo ya FNMA cyangwa FHMLC.

Ni irihe tandukaniro ryiyi Porogaramu Yuzuye itari QM hamwe na progaramu yuzuye yujuje ibisabwa?

Muri rusange, benshi mubasabye barashobora gusaba inguzanyo isanzwe ya Jumbo hagamijwe amafaranga menshi yinguzanyo. Ariko, mubyatubayeho, gahunda isanzwe ya Jumbo ntabwo yoroshye kuyifunga. Porogaramu yagabanije ibisabwa kuruta inguzanyo zinzego, kandi ifite igihe kinini.

Ariko, mubihe bimwe, abasaba ntibashobora kwemererwa cyangwa gukomeza gahunda isanzwe ya Jumbo, kubwibyo bashobora gukora gusa ibicuruzwa bitari QM, kugirango bahaze intego zabo, nkamafaranga menshi yinguzanyo / Cash-out / LTV / Amanota yinguzanyo, nibindi.

Inyandiko zacu zitari QM zuzuye ziraboneka kubaguriza bafite inguzanyo ya jumbo hamwe ninguzanyo zihuza zitarenze ibipimo byinguzanyo zujuje ibyangombwa. Inguzanyo muri iyi gahunda ntigomba kwemererwa kugurishwa mu kigo icyo ari cyo cyose cya Leta.

Ni izihe nyungu?

Nyuma yo gusoma amagambo yavuzwe haruguru, dore incamake yinyungu zamakuru yawe:

Umubare munini w'inguzanyo, urenze inguzanyo z'ikigo;
Umubare munini wa DTI, imipaka ntarengwa;
Nta MI (Ubwishingizi bw'inguzanyo) ikenewe;
Kureka amafaranga biremewe;
LTV ndende, irenze inguzanyo zinzego.

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

Mwisi yinguzanyo zinguzanyo, kugerwaho ningenzi. Ihuriro ryinguzanyo ya digitale yateguwe muburyo bworoshye. Urashobora gusaba inguzanyo, kohereza inyandiko, no gukurikirana iterambere ryinguzanyo kumurongo, byose uhereye kumurugo wawe. Twashizeho ubunararibonye bwa digitale igushira kugenzura, ukemeza ko ushobora gucunga ibyifuzo byawe byinguzanyo kumuvuduko wawe, 24/7. - Inguzanyo ya AAA Gahunda idashimishije QM - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Casablanca, Bhutani, Miyanimari, Inyangamugayo kuri buri mukiriya turasabwa! Icyiciro cya mbere gikora, cyiza, igiciro cyiza nitariki yo gutanga byihuse ninyungu zacu! Guha buri mukiriya serivisi nziza ni tenet yacu! Ibi bituma isosiyete yacu ibona neza abakiriya ninkunga! Murakaza neza kwisi yose abakiriya batwoherereza ankete kandi dutegereje ubufatanye bwiza! Wemeze neza ko iperereza ryawe kubindi bisobanuro cyangwa gusaba ubucuruzi mu turere twatoranijwe.

-AAA Inguzanyo