Txheej txheem cej luam
Yooj Yim Tsim Nyog Kaw Kawg Thib Ob.
Lub Sijhawm qiv: Tsau;15 Xyoos Balloon.
Paub meej
1) Standalone's thiab Piggyback's Second Loan yog Ob leeg muaj;
2) Cov khoom tseem ceeb thiab kev nqis peev yog muaj;
3) Tsis Muaj Kev Them Nyiaj Ua Ntej;
4) Tsis xav tau Reserves;
5) Cov Nyiaj Them Nqi: $75,001 - $450,000;
6) Max.CLTV: 85%.
* Cov nyiaj qiv raug muab sib npaug mus rau qhov ze tshaj $ 100
Cov ntaub ntawv nyiaj tau los
Option1: Cov Lus Qhia Hauv Lub Txhab Nyiaj Txiag - 12 Mths Tus Kheej & Lub Tuam Txhab Lag Luam Lag Luam Stmts
★ Tus Kheej & Kev Lag Luam-Combined lossis Kev Lag Luam (12mo.):
§ Tsawg kawg yog ib tus neeg qiv nyiaj yuav tsum ua tus kheej ua haujlwm tsawg kawg 2 xyoos (25% lossis ntau dua tswv cuab);
§ Cov Khoom Muaj Cai Lij Choj tso cai nrog cov ntaub ntawv pov thawj hauv txhab nyiaj;
§ Standard expense factor siv: 50% expense factor:
①Yog tias kev lag luam ua haujlwm <tus qauv tus nqi, P&L lossis tsab ntawv them nqi los ntawm CPA, CTEC (California Tax Education Council), lossis EA (Enrolled Agent) xav tau;
② Tus nqi qis kawg nkaus nrog 3rd tog npaj P&L lossis tsab ntawv yog 20%.
★ Tus kheej & kev lag luam sib cais (12mo.):
① Tsawg kawg yog ib tus neeg qiv nyiaj yuav tsum ua haujlwm rau tus kheej tsawg kawg 2 xyoos (25% lossis ntau dua tus tswv);
② Cov khoom muaj nqis tso cai nrog cov ntaub ntawv hauv txhab nyiaj;
③ Tus kheej siv los tsim nyog, 3 lub hlis ua lag luam los qhia kev lag luam nyiaj txiag kom siv 100% ntawm kev lag luam cuam tshuam rau hauv tus account tus kheej (tsis muaj nuj nqis).
Option2: Full Doc - 1 Yr & 2Yrs
Phau Ntawv Qhia
★30/15yr Balloon & 40/15yr Balloon min qiv nyiaj $200k.
★ Cov Nyiaj Tau Los Ntau Tshaj - $ 2 M.
★ Daim ntawv qhia nyiaj hauv tuam txhab 2 lub hlis tsis ntev los no yuav tsum tau ua.
★ Yam Khoom - SFR, PUD, Condo-Warrantable.
★ Cov khoom muaj npe muag hauv 12 lub hlis dhau los tsis tsim nyog.
★ Cov Qiv - Tsim nyog rau Asmeskas Neeg Xam Xaj, Neeg Tsis Muaj Neeg Nyob Tsis Muaj Chaw Nyob (nrog US Credit), Cov Neeg Nyob Tsis Muaj Neeg Nyob.Tsis tsim nyog rau cov neeg tsis nyob nrog cov qiv nyiaj & cov koom haum.
★3 kev lag luam tshaj tawm rau 12+ lub hlis lossis 2 kev lag luam tshaj tawm rau 24+ lub hlis tag nrho nrog cov haujlwm hauv 12 lub hlis dhau los.
★Credit Event Seasoning - 48 lub hlis - Foreclosure, luv-muag, deed in lieu, bankruptcy.Tsis muaj ntau yam xwm txheej hauv 7 xyoo dhau los.
★ Derogatory Credit - Tsis qhib qhov nqi tawm lossis sau nyiaj hauv 48 lub hlis.Tsis muaj delinquent tradelines thaum kaw.
★ Housing Lates - 0x30x12 Ntawm tag nrho cov nqi tsev rau txhua tus qiv.Yam tsawg kawg 12 lub hlis yuav tsum muaj keeb kwm vaj tsev nyob.
★ Kev Ntsuam Xyuas Cov Cai:
① Kev ntsuas yav dhau los tsis pub dhau 12 lub hlis + Kev Ntsuam Xyuas Chaw Nyob.Kev txheeb xyuas tus nqi yuav tsum sib npaug los yog ntau dua qhov kev ntsuas;
②New 2055 appraisal and Residential Appraisal Review txhawb nqa tus nqi nyob rau hauv 10% variance.Tsawg dua ntawm ob qhov tseem ceeb yuav tsum tau siv;
③ Kev lag luam poob qis tshaj 75% CLTV ntawm Tus Tswv Tsev / 2nd Tsev.Ntau tshaj 70% CLTV ntawm Tsis Muaj Tus Tswv Nyob.
