Fa'atau A'oa'o - AAA Lendings Non-QM Easily Qualified Asset na'o filifiliga – ATR-In-Full – AAA Lendings lender and investor

Fa'amatalaga Oloa

E mitamita le AAA LENDINGS i lo tatou auai i nuu ma tiute tauave lautele. Matou te talitonu o le avea ma se tagata e tu'uina atu tupe fa'atatau o lona uiga o le toe fa'afo'i atu i nu'u matou te tautuaina. O le matou 'au e auai malosi i galuega alofa, lagolago i faʻalapotopotoga faʻapitonuʻu, ma le faʻalauiloaina o le tomai tau tupe. E le na'o matou i le pisinisi o le tuuina atu o nonogatupe; matou te fa'afaigaluegaina i le faia o se aafiaga lelei i olaga o matou tagata fa'atau ma nu'u latou te ta'ua o aiga.Komisi mokesi,2022 Fa'amalie tapula'a nogatupe,Mokesi Broker Vs Lender, I le avea ai ma au paaga mokesi, matou te ofoina atu e sili atu nai lo na o nonogatupe; matou te ofoina atu se nuu. O le AAA LENDINGS e fa'amaoni i le fa'atupuina o se lagona fa'atasi mo a tatou tagata fa'atau. O la matou 'upega tafaʻilagi e faʻaalia ai faʻasalalauga ma talanoaga e mafai ona e faʻafesoʻotaʻi ai ma au uo nono, fefaʻasoaaʻi aafiaga, ma saili fautuaga. O lenei faiga fa'ale-nu'u e fa'aleleia ai se si'osi'omaga fa'afiafia e mafai ona e maua ai le lagolago, fa'amatalaga, ma musumusuga a'o e fa'atautaia le ala ile pule ile fale.

– AAA Lendings Non-QM Easily Qualified Asset na o filifiliga – ATR-In-Full – AAA Lendings Fa'amatalaga:

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Vaaiga lautele

Polokalama aseta lauiloa. O lo'o iai le aofa'i o aseta a le tagata nono mai, e mafai ona fa'amauina le tau fa'atau po'o le aofa'i o nonogatupe ma le tau fa'ai'u. Leai se fa'amatalaga faigaluega e mana'omia; Leai DTI.

Polokalama Taualoa

1) E oʻo atu i le 75% LTV;
2) E oo atu i le $4M le aofaiga o nonogatupe;
3) Na'o le fale nofo;
4) Leai se tapula'a i le numera o meatotino fa'atupeina;
5) Le itiiti ifo i le 6 masina fa'aagaga mai tupe a le tagata nono mai.

O le a le ATR-In-Full?

O le polokalame ATR-In-Full ose polokalame aseta, lea e agavaa i na'o aseta.

Matou te le fuafuaina se DTI mo tagata talosaga e agavaa e ala i le faʻamaonia o Assets ("ATR-In-Full"). Fa'ainisinia, so'o se tupe maua po'o se galuega o lo'o lisiina i luga o se tusi talosaga o le a fa'apea e le'i fa'atatau i le underwrite. O le isi itu, e mafai ona tuu avanoa.

Fa'ailoga

O lo'o i lalo auala ole fa'atatauga:
Mo le fa'atauga o nonogatupe, o le aofa'i o aseta fa'atagaina e tatau ona fetaui ma le tau fa'atau fa'atasi ai ma so'o se tau fa'ai'uga uma.
Aseta >= Tau fa'atau + tau tapunia uma
Mo le toe fa'atupeina o nonogatupe, o le aofa'i o aseta fa'atagaina e tatau ona fetaui ma le aofa'i atoa o nonogatupe fa'atasi ai ma tau fa'ai'uga.
Aseta >= Aofa'iga o nonogatupe + tau fa'ai'uga

Va'ai i lalo scenarios qualification, e mafai ona e va'ai i metotia fa'atatau e va'ai pe mafai ona e agava'a muamua a'o le'i fa'atoga atu ni nogatupe ma le au fa'atupe:

Fa'aaliga 1: Tau fa'atau fa'atasi ma tau tapuni = $768,500. Aseta avanoa = $700,000 (fa'asao) fa'aopoopo $45,000 (50% o le IRA) = $748,000. Puupuu i le $20,500. Afai o le tagata nono e 59.5 pe sili atu, o aseta agavaa o le a $700,000 + $54,000 (60% o le IRA) = $754,000 ma puupuu i le $14,500.

Tala 2: Ole aofa'i ole nonogatupe fa'atasi ai ma tau e tapunia ai = $518,500. Aseta avanoa = $370,000 (teuga) + $100,000 (50% o le IRA) = $470,000. Puupuu i le $48,500. Afai o le tagata nono mai e 59.5 pe sili atu, aseta agavaa = $370,000 + $120,000 (60% o le IRA) = $490,000 ma puupuu i le $28,500.

Aseta Fa'atatau

Tinoitupe, fa'asoa, fa'amauina ma aseta fa'aletagata (leai se meatotino) = 100%.
Teugatupe litaea = 50% pe a 59 pe la'ititi ma 60% pe a matua.
Leai se tupe pisinisi.

Ata fa'amatalaga o oloa:

Ta'iala o Mea'ai Fa'atatau:

E tautele lou taimi, ma e matou te faaaloalogia lena mea. I le AAA LENDINGS, matou te naunau e fa'afaigofie le faiga o mokesi e fa'asaoina ai lou taimi ma taumafaiga. O la matou talosaga i luga ole laiga e faʻaoga-faʻaoga ma mamanuina ma lou faʻaogaina i lou mafaufau. E mafai ona e fa'atumu le talosaga i lau oe lava saoasaoa, mai le mafanafana o lou fale po'o le ofisa. Matou te iloa o lo'o pisi lou olaga, ma matou te fa'amoemoe e fa'agaoioi le mokesi, lelei, ma sefe taimi. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Le oloa o le a tuʻuina atu i le lalolagi atoa, e pei o: Naples, Swaziland, Philadelphia, O la tatou mataupu o le faʻamaoni muamua, sili ona lelei. Matou te maua le mautinoa i le tuʻuina atu ia te oe o auaunaga sili ona lelei ma oloa lelei. Matou te faʻamoemoe faʻamaoni e mafai ona matou faʻavaeina le galulue faʻatasi ma oe i le lumanaʻi!

- AAA Lendings

E mafai e le kamupani ona tausisia suiga i lenei maketi pisinisi, faʻafouina oloa vave ma taugofie le tau, o le matou lua lea o le galulue faʻatasi, e lelei.
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