Mahimman kalmomi: Babu biyan kuɗi;Babu W2;Babu Komawar Haraji;Babu 4506-T;Babu DU/LP
Lamuni marasa-QMmadadin su neƙwararrun jinginar gida (QM) lamuni.Musamman, aLamunin da ba-QM bashine wanda ba a buƙata don saduwa da ka'idodin Gwamnatin Tarayya da Ofishin Kare Kuɗi na Masu Amfani (CFPB) don ƙwararrun jinginar gidaje.
1. Takardun Shiga:
● Mai Bayar Albashi: WVOE
● Borrower (s): P&L, CPA Letter ko;Bayanan banki na watanni 6 ko;12/24 Bayanan banki;da dai sauransu.
2. Dukiya:
● Biyan Kuɗi + Kudin Rufewa + ajiyar watanni 6 (Aƙalla, don kadarorin abin kawai.)
Ana iya karɓar kyauta
3. Rahoton Kiyasta:
Akalla cikakken rahoton kimantawa ɗaya
4. FICO (Credit Score):
Mafi Girma 620
5. LTV (Lamuni-zuwa-daraja):
Max.90%
Musamman
Shirin DSCR (Rashin Sabis na Bashi):
1) Babu wani aiki ko samun kudin shiga da za a haɗa a kan aikace-aikacen;
2) Bai cancanci zama mai shi ko gida na biyu ba;
3) Babu rabon DTI, mai karɓar (s) zai iya cancanta kawai tare da rabon DSCR dukiya (mafi ƙarancin 1.1);
4) Yadda ake ƙididdige rabon DSCR: Abin da ake samun kuɗin haya/Biyan kuɗi na PITIA.
Lokacin aikawa: Janairu-21-2022