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융자지식218-  STATED INCOME A UNDERWRITING GUIDELINES 2 7/1 PORTFOLIO ARM (STATED INCOME) PRODUCT FEATURES  Available for Primary, Second Home and Investment Properties  Available for Purchase, Rate/Term, and Cash-Out Transactions  Does NOT have to be a business...

융자지식217-  STATED INCOME A UNDERWRITING GUIDELINES 1 테이티드 인컴 론(tated income loan)이 일종의 회복세를 보이고 있습니다. 2000년대 초반에 큰 인기를 끌었던 명시적 소득 대출은 주택 시장 붕괴의 요인 중 하나였습니다. 왜요? 대출 기관은 대출 신청서에 명시된 소득을 기반으로 차용인을 승인했지만 정확한지 확인하기 위해 소득 문서를 요구하지 않았습니다. 결과: 많은 차용인이 대출을 불이행했습니다. 2010년...

융자지식216-  NON-QM A UNDERWRITING GUIDELINES 14 15.1 Title Insurance Requirement Loans must be covered by a title insurance policy that has been paid in full and is valid, binding, and remains in full force and effect. Non-QM Mortgage Program Purchase Eligibility...

융자지식215-  NON-QM A UNDERWRITING GUIDELINES 13 13.1 Minimum Hazard Insurance Coverage Hazard insurance must protect against loss or damage from fire and other hazards covered by the standard extended coverage endorsement. The coverage must provide for claims to be...

융자지식214-  NON-QM A UNDERWRITING GUIDELINES 12 12.1 General Appraisal Responsibilities A completed appraisal report is required on all loan transactions to assess the adequacy of the property as collateral for the mortgage requested. The correspondent lender is...

융자지식213-  NON-QM A UNDERWRITING GUIDELINES 11 11.1 Mortgage/Rent 0 x 30 in past twelve (12) months as evidenced by a credit report, twelve (12) months of canceled checks, or an institutional verification of mortgage (VOM) or verification of rent (VOR). Twelve (12)...

융자지식212-  NON-QM A UNDERWRITING GUIDELINES 10 10.1 General Refinance Requirements Rate/term and cash-out refinance transactions are allowed. 10.2 Rate/Term Refinance A rate/term refinance is the refinancing of an existing mortgage for the purpose of changing the...

융자지식211-  NON-QM A UNDERWRITING GUIDELINES 9 9.1 Purchases A purchase transaction is one that allows a buyer to acquire a property from a seller. A copy of the fully executed purchase contract and all attachments or addenda are required. The lesser of the purchase...

융자지식210-  NON-QM A UNDERWRITING GUIDELINES 8 8.1 Primary Residence A primary residence is a 1–4-unit property occupied by the Borrower as their principle residence (may also be referred to as owner-occupied). To qualify as a primary residence, the transaction must...

융자지식209-  NON-QM A UNDERWRITING GUIDELINES 7 7.1 General Definition A Borrower is a credit applicant who will have ownership interest in the subject property, sign the security instrument, and sign the mortgage or deed of trust note. If two or more individuals own the...