Vaaiga lautele
Faigofie Agavaa Tapuni I'uga Lua.
Vaitaimi o Nogatupe: Fa'amau;15 Tausaga Balloon.
Fa'amatalaga
1) O lo'o avanoa uma le Nogatupe Tu'utasi ma Piggyback;
2) Maua Meatotino Tulaga Muamua ma Tupe Teufaafaigaluega;
3) Leai se Faasalaga na Totogi muamua;
4) Leai se Fa'asao Manaomia;
5) Aofa'iga o Aofa'iga o Nogatupe: $75,001 - $450,000;
6) Max.CLTV: 85%.
* Ole aofa'i ole nonogatupe e fa'ata'amilo i lalo ile $100 lata ane
Fa'amaumauga o Tupe Maua
Filifiliga1: Fa'amatalaga Faletupe - 12 Mths Personal & Business Bank Stmts
★Fa'aletagata & Pisinisi-Tu'ufa'atasi po'o Pisinisi (12mo.):
§ Ia le itiiti ifo ma le tasi o le au nono mai e tatau ona faigaluega mo ia lava mo le itiiti ifo i le 2 tausaga (25% pe sili atu le pule);
§ Fa'atagaina le Fa'aitiitiga o Aseta fa'atasi ma fa'amaumauga a le Faletupe;
§ Fa'aaoga tulaga masani o tupe fa'aalu: 50% tau fa'aalu:
①Afai e fa'agaoioia le pisinisi < tulaga fa'aletupe masani, P&L po'o le tusi fa'aalu mai le CPA, CTEC (California Tax Education Council), po'o le EA (Agent Agent) e mana'omia;
②Laiti tupe fa'aalu fa'atasi ma 3rd party saunia P&L po'o le tusi e 20%.
★Tauto'atasi & Pisinisi Vaevae (12mo.):
①Ia le itiiti ifo ma le tasi o le au nono mai e tatau ona faigaluega mo ia lava mo le itiiti ifo i le 2 tausaga (25% pe sili atu le pule);
②Asset Depletion fa'atagaina ma fa'amaumauga a le Faletupe;
③O le tagata lava ia na fa'aaoga e agava'a ai, 3 masina pisinisi e fa'aalia ai tupe fa'aalu pisinisi ina ia fa'aogaina le 100% o tupe teu fa'atatau i pisinisi i totonu o le teuga tupe a le tagata lava ia (leai se fa'aalu).
Filifiliga 2: Fa'amatalaga atoa - 1 Tausaga & 2 Tausaga
Taiala Lautele
★30/15yr Balloon &40/15yr Balloon min loan amount $200k.
★Maxile Combined Liens - $2 M.
★Ta'i 2 masina talu ai nei fa'amatalaga faletupe mana'omia.
★ Ituaiga Meatotino - SFR, PUD, Condo-Warrantable.
★meatotino na lisiina mo le fa'atau i le 12 masina talu ai e le agavaa.
★Borrowers - Agavaa mo US Citizen, Non-Permanent Resident Alien (ma US Credit), Permanent Resident Alien.Le agavaa mo tagata e le o nofoia e nofo aitalafu & fa'alapotopotoga.
★3 laina fefaʻatauaʻiga lipoti mo le 12+ masina poʻo le 2 laina fefaʻatauaʻiga lipoti mo le 24+ masina o loʻo faʻatinoina uma i le 12 masina talu ai.
★Credit Event Seasoning - 48 masina - Fa'ato'a, fa'atauga pu'upu'u, pepa e sui ai, gaumativa.Leai ni mea se tele i le 7 tausaga talu ai.
★Deogatory Credit - Leai se totogi tatala pe aoina ile 48 masina.Leai ni laina tau fefa'ataua'iga i le tapunia.
★Toe Fale - 0x30x12 I mokesi uma mo tagata nono uma.Le itiiti ifo i le 12 masina le talafaasolopito o fale e manaʻomia.
★Talosaga Manaoga:
①Su'esu'ega muamua i totonu ole 12 masina + Iloiloga Fa'atatau ile Nofo.E tatau ona tutusa pe sili atu le tau o iloiloga nai lo le iloiloga;
②Fu'aiga 2055 fou ma le Toe Iloiloga Fa'atatauga Fa'ato'aga e lagolagoina le tau i totonu ole 10% o eseesega.La'ititi o tau e lua e fa'aaoga;
③Fa'aititia maketi maualuga 75% CLTV ile Owner Occupied/2nd Home.Tulaga maualuga 70% CLTV i luga ole Tagata e le Pulea.
