Labarun jinginar gida

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 ma, aLamunin da ba na QM bashine wanda ba'a buƙata don saduwa da ka'idodin Gwamnatin Tarayya da Ofishin Kariya na Kasuwanci (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:
Aƙalla 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 aikin yi ko samun kudin shiga da za a haɗa a cikin 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 ƙimar 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