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Mwachidule

Diamond Jumbo, kwa obwereka omwe sangathe kuchita Non-agency Jumbo. Ngongole zambiri/ DTI Yapamwamba/ Yapamwamba LTV/ Katundu wopandamalire wandalama.

Tsatanetsatane

1) Max DTI 55%;
2) Kufikira $ 4M ngongole ya ngongole;
3) Mpaka 80% LTV;
4) Palibe MI (Mortgage Inshuwalansi);
5) 660 kapena zambiri zangongole;
6) miyezi 6 kapena kupitilira apo;
7) Kubweza msonkho kwa chaka cha 1 kulipo.

Pulogalamuyi ndi chiyani?

Kodi mudakumanapo ndi zomwe zili pansipa?
• Wobwereketsa sangalole pempho lanu lalikulu la ngongole?
• Kodi simungathe kufika pa LTV yapamwamba yomwe mukufuna?
• Kodi obwereketsa omwe si a bungwe sangakupatseni ngongole zongopereka ndalama?
• Kodi wobwereketsa amafuna kuti mugule MI(Mortgage Insurance)?
Ngati munakumanapo ndi zochitika zamanyazi izi, ndiye kuti palibe nkhawa. Obwereketsa omwe si a QM alinso ndi mapulogalamu otere, ofanana ndi ngongole zamabungwe. Komabe, obwereketsa omwe si a QM omwe ali ndi ngongole ya {Full Docs} ali ndi malire ochepera kuposa omwe amabwereketsa a Full Documents. Muli ndi kusankha bwinoko tsopano. Mfundo imodzi yofunika kwambiri yomwe mungasamalire ndi iyi: Mutha kulembetsa pulogalamu iyi pokhapokha ngati simungakwanitse kubwereketsa ngongole ya FNMA kapena FHMLC.

Kodi pali kusiyana kotani kwa pulogalamu ya Non-QM Full Document ndi bungwe la Full qualify?

Nthawi zambiri, ambiri mwa omwe adalembetsa atha kulembetsa kubwereketsa wamba ku Jumbo ndicholinga chokweza ngongole. Komabe, m'zokumana nazo zathu, pulogalamu wamba ya Jumbo siyosavuta kutseka. Pulogalamuyi ili ndi zofunikira zochepa kuposa ngongole zamabungwe, ndipo ilinso ndi nthawi yayitali.

Komabe, nthawi zina, olembetsawo sangathe kuyenerera kapena kupitiliza ndi pulogalamu wamba ya Jumbo, chifukwa chake amatha kupanga zinthu zomwe si za QM, kuti akwaniritse cholinga chawo, monga kuchuluka kwa ngongole / Cash-out/ LTV/ Ngongole, ndi zina zambiri.

Zolemba Zathu Zopanda QM Zokwanira Zopeza Zopanda QM zimapezeka kwa obwereketsa omwe ali ndi ngongole zazikulu komanso ngongole zofananira zomwe zili kunja kwa magawo a Ma Mortgages Oyenerera. Ngongole zomwe zili mu pulogalamuyi siziyenera kugulitsidwa ku Boma lililonse.

Ubwino wake ndi wotani?

Mukawerenga mawu omwe ali pamwambawa, nayi chidule cha maubwino a chidziwitso chanu:

Ngongole yayikulu, yochulukirapo kuposa ngongole za mabungwe;
Kuchuluka kwa DTI, malire otsika;
Palibe MI (Mortgage Insurance) yofunikira;
Kutulutsa ndalama kumaloledwa;
Ma LTV apamwamba, apamwamba kuposa ngongole zamabungwe.