Zikafika pakupeza ngongole yanyumba, obwereketsa ambiri atha kudzipeza ali kunja kwa njira zoyenerera zamapulogalamu apangongole. Ndipamene Non-QM Mortgage Lenders amalowererapo kuti apereke njira zina, kupereka mwayi wokhala ndi nyumba kwa iwo omwe sakukwanira nkhungu wamba.

Kodi Non-QM Mortgage Lender ndi chiyani?

Wobwereketsa wa Non-QM (Non-Qualified Mortgage) amagwira ntchito yopereka ngongole zanyumba zomwe sizikukwaniritsa zofunikira zokhazikitsidwa ndi mabungwe omwe amathandizidwa ndi boma monga Fannie Mae ndi Freddie Mac. Ngakhale obwereketsa achikhalidwe amatsatira malangizo ena okhudzana ndi kuchuluka kwa ngongole, kuchuluka kwa ngongole ndi ndalama, ndi mbiri yantchito, obwereketsa omwe si a QM amatha kusinthasintha polemba ndipo amatha kuganizira zinthu zingapo powunika zomwe apempha.

Chifukwa Chiyani Musankhe Wobwereketsa Ngongole Yopanda QM?

1. Kusinthasintha mu Kuyenerera:

• Obwereketsa omwe si a QM amathandizira obwereketsa omwe sangayenerere kubwereketsa wamba chifukwa cha zinthu monga kudzilemba ntchito, ndalama zosakhazikika, kuchuluka kwangongole, kapena mavuto am'mbuyomu. Amawunika momwe aliyense wofunsira alili wachuma, poganizira zinthu zomwe zimaposa kuchuluka kwangongole komanso kukhazikika kwa ndalama zomwe amapeza.

2. Njira Zina Zopangira Zolemba:

• Mosiyana ndi obwereketsa achikhalidwe omwe amafunikira zolemba zambiri kuti atsimikizire ndalama ndi katundu, obwereketsa omwe si a QM amapereka njira zina zolembera. Obwereketsa omwe ali ndi ndalama zomwe si zachikhalidwe kapena zovuta zachuma atha kupereka zikalata zakubanki, kutha kwa katundu, kapena zolemba zina zothandizira kufunsira kwawo ngongole.

3. Mapologalamu Angongole Owonjezera:

• Obwereketsa omwe si a QM amapereka mapulogalamu osiyanasiyana a ngongole ogwirizana ndi zosowa za obwereketsa osiyanasiyana. Izi zingaphatikizepo ngongole zanyumba zokhala ndi chiwongola dzanja chokha, ngongole zotengera katundu, masitetimeti akubanki, ngongole zamayiko akunja, ndi zina zambiri. Njira zosinthira zangongolezi zimathandizira obwereketsa kuti apeze ngongole yobwereketsa yomwe imagwirizana ndi zolinga zawo zachuma komanso momwe zinthu ziliri.

4. Njira Yovomerezeka Mwachangu:

• Ngongole zomwe si za QM nthawi zambiri zakhala zikuwongolera njira zolembera poyerekeza ndi ngongole zanyumba zakale, zomwe zimapangitsa kuti nthawi yovomerezeka ikhale yofulumira. Izi zitha kukhala zopindulitsa makamaka kwa obwereketsa omwe amafunikira kupeza ndalama mwachangu kapena omwe adakumana ndi kuchedwa kapena kukanidwa ndi obwereketsa achikhalidwe.

5. Mitengo ndi Migwirizano Yampikisano:

• Ngakhale amasamalira obwereka omwe ali ndi mbiri zomwe si zachikhalidwe, obwereketsa omwe si a QM amapereka chiwongola dzanja ndi mawu opikisana. Pogwiritsa ntchito kusinthasintha kwawo polemba, atha kupanga ngongole zomwe zimakwaniritsa zosowa za obwereka ndikuchepetsabe chiwopsezo kwa osunga ndalama.

Mapeto

Pomaliza, Non-QM Mortgage Lenders amagwira ntchito yofunika kwambiri pakukulitsa mwayi wokhala ndi eni nyumba popereka njira zina zopezera ndalama kwa obwereketsa omwe sakuyenera kulandira ngongole zachikhalidwe. Ndi kusinthasintha kwawo pakulemba, madongosolo osiyanasiyana a ngongole, komanso kudzipereka kupatsa mphamvu obwereketsa omwe ali ndi vuto lazachuma, obwereketsa omwe si a QM amapereka njira yopezera eni nyumba zomwe mwina sizingafikike. Ngati mungadzipeze kuti mulibe njira zovomerezeka zamapulogalamu obwereketsa nyumba, kufufuza zosankha ndi wobwereketsa Non-QM kungakhale chinsinsi chokwaniritsira maloto anu eni eni nyumba.

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.