U.S.

Ikigo cyibicuruzwa

Ibisobanuro birambuye

Incamake

Abaguriza umushahara gusa, badashobora kujyana ninguzanyo zinguzanyo, kandi badashaka gutanga ibyangombwa byinjira.

Ibisobanuro

1) Amafaranga yinguzanyo agera kuri $ 2.5M;
2) SFRs, 2-4 Units, Condos, Inzu yumujyi, hamwe na Condos zitemewe.
3) Max LTV 75%;
4) amanota 620 cyangwa menshi;
5) Nta MI (Ubwishingizi bw'inguzanyo);
6) Ikigereranyo cya DTI-- Imbere 38% / Inyuma 43%.

WVOE (2)
WVOE (1)

Porogaramu niyihe?

Wigeze uhura nuru rubanza?
Ese uburyo bwo gutanga inguzanyo bwongeye kuvugurura imishahara inshuro nyinshi ???
Ese uwatanze inguzanyo yabaze amafaranga yawe akakubwira ko utujuje ibyangombwa byinguzanyo yinzu ???
Biragoye kubona kopi yawe ya W2s cyangwa umushahara ???

Twebwe AAA Inguzanyo turaguha gahunda nziza itari QM-- WVOE (Inyandiko Yanditse Yakazi).Niba abahawe inguzanyo bahembwa bahabwa umushahara uhoraho cyangwa umushahara utangwa n'umukoresha mugusubiza serivisi yatanzwe kandi nta nyungu bafite cyangwa inyungu ziri munsi ya 25% mubucuruzi.

Abahawe inguzanyo bahembwa bahabwa umushahara uhoraho cyangwa umushahara utangwa n'umukoresha mugusubiza serivisi yatanzwe kandi nta nyungu bafite cyangwa munsi ya 25% inyungu mubucuruzi.Indishyi zishobora gushingira ku isaha, buri cyumweru, biweekly, ukwezi, cyangwa igice cya buri kwezi.Niba buri saha, umubare wamasaha ateganijwe ugomba gukemurwa.Amafaranga yinjiye yagenzuwe agomba guhindurwa mumadorari yukwezi kugirango akoreshwe kubisabwa (Ifishi ya FNMA 1003).Mubushishozi bwumwanditsi, hasabwa ibyangombwa byinyongera byinjira

Ni izihe nyungu?

Kuri iyi gahunda, uwatanze inguzanyo akeneye gusa ifishi ya WVOE kugirango abare amafaranga yujuje ibyangombwa, ntayindi nyandiko yinjiza ikenewe.Ibi bigomba kuba ingingo zingenzi zingenzi ziyi gahunda.Nta nguzanyo iyo ari yo yose ishobora gukora iyo gahunda.Uretse ibyo, bitandukanye nizindi gahunda, iyi gahunda ntabwo ikenera umutungo wabasabye cyane.Muri rusange, iyi ni gahunda nziza kubagurijwe bahembwa badashobora gukora inguzanyo yikigo.

Nigute dushobora kubara?

- Koresha umushahara fatizo (igice cyakwezi, kabiri-icyumweru, cyangwa isaha nkuko ushyigikiwe na YTD) kuva WVOE.
Ingero:
◦ Semi-ukwezi: Amafaranga ya Semi-ukwezi yikubye 2 ahwanye ninjiza ya buri kwezi.
◦ Icyumweru-Icyumweru: Amafaranga ya buri cyumweru yikubye 26 agabanijwe na 12 angana ninjiza buri kwezi.
◦ Umwarimu yishyuye amezi 9: Amafaranga ya buri kwezi yikubye amezi 9 ugabanijwe n'amezi 12
bingana n'amafaranga yujuje ibisabwa buri kwezi.

Ibutsa umukoresha kuzuza urupapuro rwa WVOE, hanyuma uwatanze inguzanyo azakomeza inguzanyo byihuse.

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