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Mwachidule

Wobwereketsa wodzilemba yekha wokhala ndi ngongole yabwino kwambiri yemwe ndalama zake zoperekedwa pamisonkho sizingawayenerere kukhala ndi nyumba yabwino kwambiri yomwe angakwanitse. Khalani ndi 100% pa Ma Depositi a Akaunti Yanu ndi 50% pa Madipoziti a Akaunti Yabizinesi (miyezi 12 yotsatizana).

Mfundo Zazikulu za Pulogalamu

1) Kufikira $4M Kubwereketsa Ndalama;
2) Mpaka 80% LTV;
3) Odzigwira Ntchito Pawokha ndi Obwereketsa 1099;
4) 660 kapena apamwamba Ngongole Score;
5) Palibe zosungira zofunika pa LTV pa 75% kapena kuchepera;
6) Palibe 4506T / Palibe K1 / Palibe P&L yofunikira;
7) Palibe MI (Mortgage Insurance).

N'chifukwa chiyani timasankha Bank Statements?

Ngakhale kuti anthu ambiri a ku America akhoza kukhala oyenerera ndi zolemba zonse za ngongole yanyumba yanyumba, ambiri sakugwirizana ndi maupangiri a Fannie ndi Freddie pankhani yobwereketsa. Mwamwayi, ngongole za Non-QM ndi zolemba zopezera ndalama za kubanki ndi mayankho abwino kwa omwe amabwereketsa mwachizolowezi.

Makamaka, omwe amadzipangira okha ndalama amakhala ndi mwayi wochotsa ndalama zambiri zamabizinesi pansi pa IRS Tax Code. Kuchotsa ndalama zomwe amawononga pabizinesi kuchokera ku ndalama zonse zomwe amapeza zimapindulitsa omwe amadzipangira okha pakulipira ndalama zochepa zamisonkho.

Anthu ambiri odzilemba okha omwe ali ndi maakaunti anzeru nthawi zambiri salipira misonkho chifukwa chopezerapo mwayi pamakhodi amisonkho. Ambiri ali ndi ndalama zoipa. Tsoka ilo, zolembera zambiri zimatanthawuza kuti omwe amadzipangira okha malipiro amakhala ndi nthawi yovuta kuti ayenerere kubwereketsa ngongole. Obwereketsa azidzagwiritsa ntchito ndalama zonse zomwe zasinthidwa powerengera ndalama zoyenerera, yomwe ndi nkhani Yabwino kwa ogula nyumba omwe ali ndi ngongole zosakhala za QM. Tili ndi ngongole zanyumba zomwe si za QM kwa obwereketsa omwe amadzilemba okha ntchito popanda kubweza msonkho wofunikira.

Kodi pulogalamuyi ndi yandani?

Pulogalamuyi idapangidwira obwereketsa omwe amadzilemba okha ntchito ndipo angapindule ndi njira zina zoyenereza ngongole. Malipoti a kubanki angagwiritsidwe ntchito ngati njira ina yobwezera msonkho kuti alembe ndalama za wobwereka wodzilemba yekha. Kupatula apo, zikalata zamunthu ndi/kapena zamabanki zonse ndizololedwa.

Osachepera m'modzi mwa obwereketsa ayenera kukhala wodzilemba ntchito kwa zaka zosachepera ziwiri (25% kapena umwini wokulirapo) kuti ayenerere pulogalamuyi. Izi ndi zofunika kuti mudziwe ngati wobwerekayo ndi wodzipangira yekha. Nthawi zina, wobwereka atha kukhala ndi umwini wabizinesi, komabe, timangowona ngati obwereketsa odzilemba okha pomwe ili yoposa 25%. Mu ngongole za mabungwe, nthawi zonse timatchula K-1 kapena Ndandanda G; pamene ngongole Non-QM, nthawi zonse tiyenera kalata CPA kutsimikizira umwini weniweniwo.

Nthawi zambiri, wobwereketsa amawerengera ndalama zoyenerera potenga mtengo wapakati wa depositimenti ya banki m'miyezi 12 kapena 24, ndiyeno kuchulukitsa ndalama zomwe zimawononga. Izi ziyenera kukhala ndalama zoyenerera za wobwereketsa za pulogalamuyi.

Ponena za ndalama zomwe zimawononga, osunga ndalama ambiri omwe si a QM akhoza kukhala ndi chiyerekezo ngati 50%. Nafenso tili ndi zofunika izi. Komabe, ngati CPA yanu ikhoza kupereka kalata yokhala ndi zifukwa zomveka, titha kuganizira za ndalama zomwe zingasinthe. Osadutsa malire ochepera ~

Ngati muli ndi zosowa, tilankhule nafe kaye, titha kukupatsani mawerengero aulere owerengera ndalama. Izi ziyenera kukhala zothandiza kwa inu nonse makamaka ma Mortgage Loan Officers, kuti muthandize makasitomala anu bwino.