11/15/2023

TheQM Community NgongolePulogalamuyi ikuyimira kupita patsogolo kwakukulu pazachuma zapanyumba.Ndizodziwika bwino kwa iwo omwe akutsutsidwa ndi zovuta komanso zovuta zachuma za Kusintha kwa Mtengo wa Loan-Level (LLPA).Pulogalamu yatsopanoyi ikukonzanso malo obwereketsa nyumba, ndikuchotsa zosintha za LLPA motero ikupereka njira zofananira komanso zandalama kwa obwereketsa osiyanasiyana.Kuti timvetsetse momwe pulogalamuyi imakhudzira komanso kusintha kwa zinthu, tiyeni tilingalire zochitika zenizeni zenizeni, iliyonse yokonzedwa kuti iwonetse momwe QM Community Loan ingasinthire njira zoyendetsera ndalama zanyumba.Lero, tikupereka zitsanzo izi, kusonyeza mfundo yakuti kuona ndi kukhulupirira.

Chitsanzo 1:

Ganizirani za wobwereka yemwe ali ndi mphambu ya FICO ya 620, akufuna 75% LTV panyumba yabanja limodzi.Mwachikhalidwe, wobwereketsa wotere angakumane ndi chiwongola dzanja chokwera chifukwa cha kusintha kwa LLPA, komwe kungathe kukwera mpaka 8.375%.QM Community Loan Programme, komabe, imachotsa zosinthazi, ndikupereka phindu la 7.625%.Kuchepetsa kwamitengo kumeneku sikumangomasulira kusungitsa kwakukulu kwa nthawi yayitali komanso kumapangitsa maloto a eni nyumba kukhala ofikirika komanso okhazikika.

Nkhani 2:

Wobwereka wina yemwe ali ndi chiwerengero chochepa cha FICO cha 640, akuyang'ana kupeza 2-4 unit primary katundu ndi 70% LTV.Pangongole wamba, wobwereka uyu angakumane ndi zosintha zambiri za LLPA zokwana 3.125.Pulogalamu ya QM Community Loan Program, mosiyana, imachotsa ndalama zowonjezera izi, ndikupangitsa njira yopezera ndalama yabwino komanso yotsika mtengo.

Chitsanzo 3:
Kenaka, tikuyerekeza obwereka awiri pansi pa zochitika zachuma zosiyana - wina ali ndi FICO yotsika ndi LTV yapamwamba, ndipo winayo ali ndi FICO yapamwamba ndi LTV yochepa:

(1) Wobwereketsa 1 akufunafuna malo oyambirira a 2-4 omwe ali ndi chiwerengero cha FICO cha 620 ndi LTV yapamwamba ya 90%.
(2) Wobwereketsa 2, wokhala ndi mphambu zabwino kwambiri za FICO za 780, akuyang'ana 50% LTV ya nyumba yoyamba ya banja limodzi.

Kudzera mu QM Community Loan Program, onse obwereketsa amapatsidwa mpikisano wofanana wa 7.625%, mosasamala kanthu za kusiyana kwawo, zomwe zikuwonetsa kudzipereka kwa pulogalamuyi kubwereketsa mwayi wofanana.

Chochitika chilichonse chimapereka chitsanzo chomveka bwino, chodziwika bwino cha momwe mawonekedwe apadera a pulogalamuyi, makamaka kuchotsedwa kwa zosintha za Loan-Level Price Adjustment (LLPA), kungapangitse kusiyana kwakukulu pakutha kwa wobwereka kupeza ngongole.Pofotokoza zochitikazi, tikufuna kuwonetsa kusinthasintha kwa pulogalamuyi, kuphatikizika kwake, komanso kuthekera kwake kupatsa mphamvu anthu ambiri obwereketsa pakufuna kwawo eni nyumba.

Apa tibwerezanso Ubwino wa QM Community Loan Program:

• Kupereka pulogalamu yapadera yomwe imapereka zopindulitsa zosayerekezeka kwa makasitomala anu!
  $4,500 CREDIT Pazinthu Zoyenera: Mbali yapaderayi imapereka chilimbikitso chowonjezera pazachuma, zomwe zimapangitsa kuti pulogalamuyi ikhale yosangalatsa kwambiri kwa omwe angabwereke.
• Musaphonye mwayi wosayerekezeka uwu
  AII LLPA/LTV&FICO/Cash-Out/High Balance Adjustments Asiya: Obwereketsa atha kutsanzikana ndi zosintha zamabungwe azikhalidwe, ndikutsegula chitseko cha mitengo ndi mawu abwinoko.
• Tsazikanani ndi zosintha zokhazikika zamabungwe!
  Zosintha Zopanda Condo/2-4: Izi zikuwonjezera phindu lina, makamaka kwa iwo omwe akufunafuna katundu wamtunduwu.
• Sangalalani ndi izi zowonjezera
  Palibe Zoletsa za Eni Nyumba / Palibe Zoletsa Zopeza: Pulogalamuyi imawongolera njira, kuchotsa zopinga zanthawi zonse ndikufulumizitsa nthawi zovomera ngongole.
• Pangani ndondomekoyi mosavuta komanso mofulumira
  Kwa Primary Residence

Ikupezeka kuti mugulidwe, R / T Refi ndi Cash Out: Pulogalamuyi ndi yosinthika, imapezeka kuti igulidwe, mtengo / nthawi yobwereketsa ndalama, komanso kubweza ndalama, kuperekera zosowa zosiyanasiyana za eni nyumba.

Pamene msika wa nyumba ukukulirakulira, ndiQM Community NgongolePulogalamuyi ili pafupi kusintha ndi kukulitsa.Zowonjezera zamtsogolo zingaphatikizepo kuthandizira njira zokhazikika zomanga nyumba, kugwirizanitsa ndi zomwe zikuchitika pamsika, komanso kuphatikiza kwaukadaulo kuti zithandizire njira.Zochitika zomwe zingatheke zikuwonetsa kudzipereka kwa pulogalamuyi kuti ikhalebe yoyenera komanso yothandiza kwa eni nyumba apano komanso am'tsogolo.

TheQM Community NgongolePulogalamuyi ndi yoposa ndalama;ndi umboni wa njira yowongoka komanso yofikirika ya eni nyumba.Zochitika zomwe zaperekedwa zikuwonetsa kuthekera kwa pulogalamuyi kuti ikwaniritse anthu osiyanasiyana obwereketsa, kuwonetsetsa chilungamo pakubwereketsa.Ndi mapindu ake apadera komanso zoganizira zamtsogolo, QM Community Loan Programme imayima ngati chowunikira chamwayi, yopereka njira yopezera eni nyumba yomwe ili yotheka komanso yokhazikika.Landirani pulogalamuyi lero ndikukhala m'tsogolo lazachuma komanso kukhazikika m'nyumba yamaloto anu.

Kanema:Dziwani za Ubwino wa Ngongole ya Anthu a QM: Mwayi Wofanana, Mitengo Yabwinoko!

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.