11/03/2023

Zikafika pazandalama zosavomerezeka, ngongole za Non-QM (Non-Qualified Mortgage) zadziwika kwambiri. Obwereketsa omwe sakwaniritsa miyezo yachikhalidwe yobwereketsa atha kutembenukira kwa obwereketsa omwe si a QM kuti apeze mayankho apadera. Ngati muli ku California ndipo mukuyang'ana ngongole za Non-QM, kalozerayu akuthandizani kuyang'ana malo ndikupeza wobwereketsa woyenera kuti akwaniritse zosowa zanu.

Kumvetsetsa Ngongole Zopanda QM

Ngongole zomwe si za QM zimapangidwira obwereketsa omwe sangafanane ndi nkhungu zomwe zimafunidwa ndi obwereketsa achikhalidwe. Ngongolezi sizitsatira mfundo zokhwima zokhazikitsidwa ndi mabungwe omwe amathandizidwa ndi boma monga Fannie Mae kapena Freddie Mac. M'malo mwake, obwereketsa omwe si a QM amayesa obwereketsa kutengera zinthu zosiyanasiyana, monga ma statement aku banki, kuyenda kwa ndalama, ndi katundu.

Nazi mfundo zofunika kuzimvetsetsa za ngongole za Non-QM:

• Kusinthasintha kwa Ngongole: Ngongole zomwe si za QM zimakhala zofewa zikafika pazofunikira zangongole. Obwereketsa omwe ali ndi ngongole yocheperako kapena zochitika zapadera zangongole amatha kukhala oyenerera.
• Zolemba Zina: Obwereketsa omwe si a QM amavomereza zolembedwa zina, zomwe zimapangitsa kuti zikhale zosavuta kuti anthu odzilemba okha kapena omwe ali ndi ndalama zosagwirizana nawo avomerezedwe.
• Mitundu Yosiyanasiyana ya Katundu: Ngongole zomwe si za QM zitha kugwiritsidwa ntchito pazinthu zamitundu yosiyanasiyana, kuphatikiza malo osungiramo ndalama ndi ma condos osavomerezeka.

Ubwino wa Ngongole Zopanda QM

Ngongole zopanda QM zimapereka maubwino angapo kwa obwereka:

• Kusinthasintha: Obwereketsa omwe amapeza ndalama zosakhazikika kapena mavuto azachuma amatha kupeza ndalama ngati ngongole zachikhalidwe sizingachitike.
• Kuvomerezeka Mwamsanga: Ngongole zomwe si za QM nthawi zambiri zimakhala ndi njira yovomerezera mwachangu, zomwe zimalola obwereka kutenga mwayi pamsika wampikisano wopikisana ndi malo.
• Zothetsera Zapadera: Obwereketsa omwe si a QM amatha kupanga ndalama zangongole zapadera kuti zigwirizane ndi momwe wobwereka ali ndi ndalama komanso zolinga zake.

Kupeza Wobwereketsa Wabwino Wopanda QM ku California

Mukasaka wobwereketsa yemwe si wa QM ku California, nazi njira zofunika kuziganizira:

1. Kafukufuku ndi Kufananiza

Yambani ndikufufuza obwereketsa omwe si a QM ku California. Yang'anani omwe ali ndi mbiri yabwino komanso mbiri yopereka ngongole za Non-QM.

2. Werengani Ndemanga

Yang'anani ndemanga ndi maumboni ochokera kwa omwe adabwereka kale kuti muwone mbiri ya wobwereketsa komanso kukhutira kwamakasitomala.

3. Kufunsira kwa Katswiri

Lingalirani kufunsana ndi katswiri wobwereketsa nyumba yemwe amagwira ntchito pa ngongole za Non-QM. Atha kukutsogolerani kwa obwereketsa omwe ali ndi mawu abwino komanso ukadaulo wokwaniritsa zosowa zanu zapadera.

4. Kuwonekera

Sankhani wobwereketsa yemwe amawonekera poyera za ngongole zawo, mitengo, ndi chindapusa. Muyenera kumvetsetsa bwino zomwe ngongole yanu ya Non-QM.

5. Migwirizano ya Ngongole ndi Mitengo

Funsani mtengo kuchokera kwa obwereketsa angapo omwe si a QM kuti mufananize mawu angongole, chiwongola dzanja, ndi chindapusa. Izi zidzakuthandizani kupeza ngongole yopindulitsa kwambiri.

Non-QM Loan Lenders ku California

Mapeto

Obwereketsa omwe si a QM ku California amapereka njira yopulumutsira obwereketsa omwe sangafanane ndi ngongole zanyumba zachikhalidwe. Zogulitsa zangongole zapaderazi zimapereka kusinthasintha, kuvomereza mwachangu, ndi mayankho ogwirizana. Komabe, ndikofunikira kuchita kafukufuku wokwanira, kupeza upangiri wa akatswiri, ndikusankha wobwereketsa momveka bwino komanso momukomera. Ndi ngongole yoyenera ya Non-QM ndi wobwereketsa, mutha kukwaniritsa zolinga zanu zamalonda ndi zachuma, ngakhale simukukwaniritsa ziyeneretso zamangongole wamba.

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 zomaliza zomwe zili pano zili zogwirizana ndi momwe alili. Invest molingana ndi chiopsezo chanu.