11/17/2023

M'moyo, nthawi zambiri timakumana ndi zochitika zosiyanasiyana zosayembekezereka zomwe zingafunike kufunikira kwadzidzidzi ndalama.Ngati mukupeza kuti mukusowa ndalama pazifukwa zilizonse koma mukufuna kupewa kubweza ndalama, kubwereketsa ngongole kungakhale njira yabwino yopezera ndalama.Pogwiritsa ntchito ndalama zanyumba yanu ndikuchotsa chiwongoladzanja cha chiwongoladzanja cha ngongole yanu yachiwiri kuchokera yoyamba, mutha kugwiritsa ntchito ndalama zanyumba yanu popanda kukhudza chiwongola dzanja cha ngongole yanu yoyamba komanso popanda kubwezanso ndalama.

Kodi Closed-End Second Mortgage ndi chiyani?

A Otseka-Mapeto ChachiwiriNgongole Yanyumba (CES Loan) ndi mtundu wangongole wachiwiri womwe umakupatsani mwayi wogwiritsa ntchito ndalama zanyumba yanu osakhudza chiwongola dzanja cha ngongole yanu yoyamba.Ngongole zina zachiwiri ndi "zotsegula," kutanthauza kuti mutha kupitiliza kukokera ndalama mpaka pamlingo wokwanira ndikubwezeretsanso mukabweza, zofanana ndi mzere wangongole.Komabe, ngongole yachiwiri "yotsekedwa" imatanthawuza kuti mumalandira ngongole yonseyo mundalama imodzi ndipo simungatenge ndalama zina mutalandira ngongoleyo.

Chidule cha Ntchito:
- Njira zina zopezera ndalama.
- Ndemanga yosinthika yolembera.
- Iloleza mitundu yonse yokhalamo.
- Imalola obwereketsa kuti apereke ndalama popanda kusintha chiwongola dzanja cha ngongole yawo yoyamba yanyumba.
- Zopindulitsa pakuphatikiza ngongole, kukonzanso nyumba, ndi zochitika zosayembekezereka pamoyo.

Chifukwa Chake Sankhani Ngongole Yachiwiri Yotsekedwa:
1. Quick Liquidity
Ngongole yamtunduwu imathandiza eni nyumba kupeza ndalama zambiri mwachangu.Kugwiritsiridwa ntchito kwa ndalamazi n’kopanda malire—mungathe kuzigwiritsa ntchito kulipirira ngongole, kulipirira maphunziro owonjezereka, kapena kukonzanso nyumba zazikulu popanda kubwereka ngongole zanu kapena njira zina.
2. Chiwongola dzanja Chokhazikika
Ngati musankha aHome Equity Line of Ngongole (HELOC), mutha kupeza chiwongola dzanja chosinthika.Otseka-Mapeto ChachiwiriNgongole zanyumba zimapereka mwayi wosankha chiwongola dzanja chokhazikika, chomwe chingakhale choyenera ngati mutatsekereza mitengoyo ikatsika.
3. Zofunika Zochepa za Ngongole
Timapereka ngongole izi kwa obwereka omwe ali ndi ziwerengero za FICO zotsika mpaka 660, zokhala ndi ngongole zambiri mpaka $550,000 komanso chiwongola dzanja chophatikizana mpaka $2,500,000.
4. Kuchuluka kwa Ngongole-ku-Value
Timapereka LTV/CLTV yochulukitsitsa ya 75% -90%, yokhala ndi Ngongole-ku-Income Ratio (DTI) ya 50%.
5.Palibe Ndalama Zobwereketsa
Palibe chindapusa cha kubweza ngongole, kuwerengera, kulemba pansi, kukonza, inshuwaransi yanyumba yabizinesi ndi ndalama zina zotsekera za chipani chachitatu
6. Anthu akunja angagwiritse ntchito
Pulogalamuyi sikhala nzika zaku US zokha;Alendo osakhala okhazikika komanso akunja okhazikika nawonso ali oyenera kulembetsa, malinga ngati ali ndi mbiri yaku US yangongole komanso chilolezo chogwirira ntchito.

Pomaliza,Otseka-Mapeto ChachiwiriNgongole zanyumba zimapatsa eni nyumba njira yabwino yogwiritsira ntchito ndalama zawo zanyumba popanda kubweza ndalama komanso osasintha chiwongola dzanja cha ngongole yawo yoyamba.Kusinthasintha kwamtundu uwu wa ngongole kumawonekera pakuvomereza kwake mitundu yosiyanasiyana ya ndalama ndi malo okhala komanso kufunikira kwake kuti apeze mavoti a FICO otsika mpaka 660, kupereka njira yofulumira ya ndalama.Njira yake yokhazikika komanso kuchuluka kwa LTV/CLTV kumapereka chitetezo chowonjezera ndi mphamvu zobwereka kwa eni nyumba.Kuphatikiza apo, sikupezeka kwa nzika zaku US zokha komanso kwa alendo oyenerera popanda chindapusa chowonjezera chobwereketsa, zomwe zimapangitsa kukhala chisankho chabwino pakuwongolera ngongole, kukonza nyumba, kapena zofunika zina zachuma.AAA Lendings yakhazikitsa malo ake pamsika wobwereketsa womwe si wachikhalidwe kudzera muutumiki waukatswiri, ndikupereka njira yabwino kwa eni nyumba ambiri kuti akwaniritse zolinga zawo zachuma.

Zambiri za AAA Lendings

Yakhazikitsidwa mu 2007, AAA Lendings yakhala wobwereketsa wotsogola wazaka zopitilira 15.Mwala wathu wapangodya ukupereka ntchito zosayerekezeka ndi kudalirika, kuonetsetsa kuti makasitomala athu akukhutira kwambiri.

Kukhazikika pamitundu yambiri yazinthu zomwe si za QM kuphatikizaNo Doc Palibe Ngongole, Self Prepared P&L, WVOE, DSCR, Malipoti a Banki, Jumbo, HELOC, Tsekani Mapeto Achiwirimapulogalamu - timatsogolera msika wa ngongole wa 'Non-QM'.Timamvetsetsa zovuta zopezera ngongole ndipo tili ndi 'Loan Arsenal' yosiyanasiyana kuti tithane ndi zovuta izi.Kulowa kwathu koyambirira pamsika wa Non-QM kwatipatsa ukadaulo wapadera.Khama lathu lochita upainiya likutanthauza kuti timamvetsetsa zosowa zanu zachuma.Ndi AAA Lendings, kukwaniritsa zolinga zanu zachuma ndikosavuta komanso kotheka.

Tathandiza mabanja pafupifupi 50,000 kuti akwaniritse maloto awo azachuma, ndipo ndalama zobweza ngongole zimaposa $20 biliyoni.Kukhalapo kwathu kofunikira m'malo ofunikira monga AZ, CA, DC, FL, NV, ndi TX kumatithandiza kukhala ndi anthu ambiri.

Pokhala ndi othandizira odzipereka opitilira 100 komanso magulu olembera kunyumba ndi owunikira, timawonetsetsa kuti njira yobwereketsa yokhazikika komanso yopanda nkhawa.

Kanema:Kutsegula Ufulu Wazachuma: Ubwino Wosankha Ngongole Yachiwiri Yotseka

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.