Yowonjezera Doc Jumbo Yathunthu - Kutsegula Mayankho a Mortgage Yamtengo Wapatali

Kuyenda padziko lonse la ngongole zanyumba kumatha kukhala kovutirapo, makamaka ngati maloto anu akupitiliraMalire a Ngongole Okhazikika. LowaniYowonjezera Full Docjumbo, njira yopezera ndalama zamtengo wapatali kuchokera ku AAA Capital Investment, Inc. yomwe imathandizira obwereka omwe akufunafuna ngongole zazikulu ndi kusinthasintha kwapadera. Kaya mukugula kondomu yapamwamba kapena malo okhala ndi mayunitsi ambiri, iziAUS JumboZogulitsa zimawonjezera mphamvu ya Automated Underwriting Systems (AUS) kuti ipereke zivomerezo zachangu, zodalirika popanda kulemedwa ndi kusintha kwakukulu kapena zofunikira zangongole.

Chimodzi mwazinthu zochititsa chidwi kwambiriAnawonjezera Full Doc Jumbondi kupezeka kwake kwa obwereka ndi aMtengo wotsika kwambiri wa magawo a FICOChogoli. Ngakhale kuti ngongole za jumbo nthawi zambiri zimafuna ngongole yamtengo wapatali - nthawi zambiri chiwerengero cha FICO cha 700 kapena kuposerapo - chinthu ichi chimapereka chiwongoladzanja, malinga ngati njira zina zoyenerera zikukwaniritsidwa. Kuphatikiziridwa ndi zaka zisanu ndi ziwiri zokometsera zosachepera zaka zisanu ndi ziwiri pazochitika zazikulu zonyoza monga kubweza ngongole kapena kulandidwa (malinga ndi malangizo a Matrix), zimatsegula zitseko kwa obwereketsa kuti amangenso mbiri zawo zachuma. Mwachitsanzo, wobwereka yemwe ali ndi mphambu ya FICO m'zaka zotsika za 600s, ndalama zokhazikika, komanso mbiri yakale yolipira posachedwa atha kupezabe ngongole ya $ 1.8 miliyoni panyumba yoyamba - zomwe sizingachitike ndi zopereka zanthawi zonse.

Kusinthasintha kwa mtundu wa katundu ndi chizindikiro china cha ngongoleyi. Mosiyana ndi obwereketsa ambiri omwe amakakamiza kusintha mitengo kwa ma condos kapena 2-4 unit katundu, theAnawonjezera Full Doc JumboMawonekedwePalibe Zosintha za Condo / 2-4 mayunitsi. Izi zikutanthauza kuti obwereka samakumana ndi ndalama zowonjezera kapena zopinga popereka ndalama zamtundu wa malowa, zomwe zimapangitsa kuti zikhale zabwino kwa ogula akumatauni kapena osunga ndalama. Malinga ndi lipoti la 2024 la Zillow, malonda a condo m'mizinda ikuluikulu yaku US monga New York ndi San Francisco adakwera ndi 12%, zomwe zikuwonetsa kulakalaka kwazinthu zotere. Ndi malondawa, wogula atha kupeza ndalama zokwana madola 2 miliyoni katatu popanda kuda nkhawa ndi mitengo yokwera chifukwa cha magulu a katundu.

Msana wa ngongole iyi ndikudalira kwakeAUS Jumboluso. Potsatira miyezo ya Desktop Underwriter (DU) kapena Loan Product Advisor (LPA), ngongoleyo imatsimikizira kulembedwa kosasintha kwa ndalama, katundu, ndi ngongole. Uwu ndi mwayi waukulu kwa obwereketsa omwe ali ndi mbiri yovuta yazachuma — ganizirani anthu odzilemba okha omwe amagwiritsa ntchito zinthu zabizinesi kuti alipire pang'ono (malinga ndi malangizo a Agency) kapena omwe amadalira ndalama za RSU. Komabe, Matrix imapatula ndalama zosasinthika monga phindu lalikulu kapena cryptocurrency, kuyang'ana kwambiri kukhazikika.

Kuyenerera ndikosavuta koma kolondola. Nzika zaku US, okhala mokhazikika, komanso alendo osakhalitsa okhala movomerezeka atha kulembetsa, pomwe nzika zakunja ndi omwe akuzengedwa milandu sakuphatikizidwa. Ngongole yayikulu kwambiri imafika $2,000,000 ndi DTI ya 50% ya nyumba zoyambira, kutsika mpaka 45% pazochitika zina. Katundu ayenera kugwirizana ndi mphatso za AUS ndi malamulo akuluakulu osungitsa ndalama, ndipo nkhokwe zamabizinesi ndizoletsedwa, kuwonetsetsa kuti ndalama zikuyenda bwino.

Kuti muyese, aAnawonjezera Full Doc Jumboimafuna kuyesa kumodzi kwathunthu pakugula mpaka $3,000,000, ndi ziwiri pakubweza ndalama zopitilira $2,000,000, kutsimikizira kuwerengera kolondola. Ndi katundu wandalama wopitilira 10 wololedwa, ndichisankho chosunthika kwa osunga ndalama omwe ali ndinthawi yayitali nawonso. Ziletso za boma, monga kusayenerera ku Texas 50(a)(6) refinances, zimagwira ntchito, koma kukopa kwa malonda sikunasinthe.

Pamsika momwe kusinthasintha ndi kukwanitsa zimafunikira, maAnawonjezera Full Doc Jumbozimaonekera. ZakeMtengo wotsika kwambiri wa magawo a FICOkulolerana,Palibe Zosintha za Condo / 2-4 mayunitsi,ndiAUS JumboKuchita bwino kumapangitsa kuti ikhale njira yapamwamba kwambiri kwa obwereka ozindikira. Kodi mwakonzeka kukupatsani ndalama zoyendetsera ntchito yanu yayikulu? AAA Capital Investment, Inc. ili pano kuti ikuwongolereni njira iliyonse.