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Mwachidule

Full Doc, kwa obwereka omwe sangathe kuchita Non-agency Jumbo. Ngongole zambiri/DTI Yapamwamba/Yapamwamba LTV/Katundu wandalama wopanda malire.

Mfundo Zazikulu za Pulogalamu

1) Max. DTI 55%;
2) Mpaka $ 4M Kubwereketsa Ndalama;
3) Mpaka 80% LTV;
4) Palibe MI (Mortgage Insurance);
5) 660 kapena apamwamba Ngongole Score;
6) miyezi 6 kapena nkhokwe zambiri;
7) 1-chaka msonkho kubwerera.

Kodi pali kusiyana kotani pakati pa Non-QM Full Doc ndi Full Qualify Program?

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.

Komabe, nthawi zina, olembetsawo sangathe kuyenerera kapena kupitiliza ndi pulogalamu wamba ya Jumbo, chifukwa chake amatha kupanga zinthu zomwe sizili 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 wa Full Doc

1. Ngongole zambiri kuposa ngongole za mabungwe;
2. Chiŵerengero cha DTI chachikulu, malire otsika;
3. Palibe MI (Mortgage Insurance) yofunikira;
4. Kutulutsa ndalama kumaloledwa;
5. LTV yapamwamba kuposa ngongole za mabungwe.