Yaguwe Byuzuye Doc Jumbo - Gufungura Inguzanyo-Yagaciro Yinguzanyo

Kuyobora isi yinguzanyo birashobora kumva birenze, cyane cyane iyo umutungo wawe winzozi urenzeIngano y'inguzanyo isanzwe. InjiraKwagura Inyandiko Yuzuyejumbo, uburyo bwo gutera inkunga premium kuva AAA Capital Investment, Inc. yita kubaguriza bashaka inguzanyo nini kandi byoroshye. Waba ugura agakingirizo keza cyangwa imitungo myinshi, iyiAUS Jumboibicuruzwa byifashisha imikorere ya Automatic Underwriting Sisitemu (AUS) kugirango itange ibyemezo byihuse, byizewe nta mutwaro wo guhinduka gukabije cyangwa ibisabwa byinguzanyo.

Imwe mu ngingo zikomeye zaKwagura Byuzuye Doc Jumboni uburyo bworoshye kubaguriza hamwe naFICO yo hasiamanota. Mugihe inguzanyo ya jumbo gakondo isaba inguzanyo yambere - mubisanzwe amanota FICO ya 700 cyangwa arenga - iki gicuruzwa gitanga ubwitonzi, mugihe ibindi bisabwa byujujwe. Ifatanije byibuze byibuze imyaka irindwi yigihe cyibihe bikomeye byo gutesha agaciro nko guhomba cyangwa kwamburwa (amabwiriza ya Matrix), ifungura imiryango kubaguriza bongera kubaka imyirondoro yabo. Kurugero, uwagurijwe ufite amanota FICO mumyaka 600 ya 600, amafaranga yinjiza neza, hamwe namateka yanyuma yo kwishyura arashobora gukomeza kubona inguzanyo ya miriyoni 1.8 yama dollar yo gutura mbere - ibyo bikaba bidashoboka rwose nibitangwa bisanzwe.

Ubwoko bwimitungo ihinduka nibindi biranga iyi nguzanyo. Bitandukanye nabaguriza benshi bashiraho ibiciro byo guhindura udukingirizo cyangwa imitungo ya 2-4, theKwagura Byuzuye Doc JumboibirangaNta Guhindura Ibice bya Condo / 2-4. Ibi bivuze ko abahawe inguzanyo nta giciro cyinyongera cyangwa imbogamizi mugihe batera inkunga ubu bwoko bwumutungo, bigatuma biba byiza kubaguzi bo mumijyi cyangwa abashoramari. Raporo ya Zillow yo mu 2024 ivuga ko kugurisha udukingirizo mu mijyi minini yo muri Amerika nka New York na San Francisco byiyongereyeho 12%, ibyo bikaba byerekana ubushake bwo kwiyongera kuri iyo mitungo. Hamwe niki gicuruzwa, umuguzi ashobora gutera inkunga miliyoni 2 zamadorali atitaye ku biciro byazamutse bitewe n’imitungo yashyizwe mu byiciro.

Inkingi yiyi nguzanyo ni iyo kwishingikirizaAUS Jumboikoranabuhanga. Mugukurikiza ibipimo byandika (DU) cyangwa Umujyanama wibicuruzwa byinguzanyo (LPA), inguzanyo itanga ubwishingizi bwanditse bwinjiza, umutungo, ninguzanyo. Iyi ni inyungu ikomeye kubagurijwe bafite imyirondoro igoye-tekereza abantu bikorera ku giti cyabo bakoresha umutungo wubucuruzi kugirango bishyure mbere (ku mabwiriza agenga Ikigo) cyangwa abishingikiriza ku nyungu za RSU. Nyamara, Matrix ikuraho inkomoko yinjiza ihindagurika nkinyungu zishoramari cyangwa amafaranga, bikomeza kwibanda kumutekano.

Kwemererwa biroroshye ariko birasobanutse. Abanyamerika, abenegihugu bahoraho, hamwe n’abanyamahanga badahoraho bafite uburenganzira bwo gutura barashobora gusaba, mu gihe abanyamahanga n’ababuranyi batabariwemo. Umubare ntarengwa w'inguzanyo ugera ku $ 2.000.000 hamwe na DTI ya 50% yo gutura mbere, ukamanuka kuri 45% kubindi bihe. Umutungo ugomba guhuza nimpano ya AUS namategeko manini yo kubitsa, kandi ububiko bwubucuruzi ntiburenga imipaka, byemeza uburyo bunoze bwo gutera inkunga.

Isuzuma ,.Kwagura Byuzuye Doc Jumbobisaba isuzumabumenyi ryuzuye kubigura bigera ku 3.000.000 $, na bibiri kubitunganijwe birenga $ 2.000.000, byemeza agaciro nyako. Hamwe nimitungo ntarengwa 10 yatewe inkunga yemerewe, ni amahitamo atandukanye kubashoramari bamenyereye nabo. Ibibujijwe byihariye bya leta, nko kutemerwa gutunganywa kwa Texas 50 (a) (6), birakurikizwa, ariko ibicuruzwa byagutse bikomeje kuba byiza.

Ku isoko aho ibintu byoroshye kandi byoroshye ,.Kwagura Byuzuye Doc Jumboihagaze neza. YayoFICO yo hasikwihanganira,Nta Guhindura Ibice bya Condo / 2-4, naAUS Jumboimikorere ikore amahitamo yo murwego rwo hejuru kubashishoza baguriza. Witegure gutera inkunga intambwe ikurikira? AAA Capital Investment, Inc. irahari kugirango ikuyobore intambwe zose.