융자관련 정보
융자지식208- NON-QM A UNDERWRITING GUIDELINES 6
융자지식208- NON-QM A UNDERWRITING GUIDELINES 6 6.1 Overview The Borrower must have adequate liquid assets available to pay the down payment and the costs associated with obtaining the mortgage, meet any required investment criteria, and provide required reserves...
융자지식207- NON-QM A UNDERWRITING GUIDELINES 5
융자지식207- NON-QM A UNDERWRITING GUIDELINES 5 5.1 Overview Portfolio Program Matrices The Alt-Doc program is for both self-employed and salaried/salary-plus commission Borrowers. Any of our Alt-Doc options are intended only to minimize the amount of documentation that...
융자지식206- NON-QM A UNDERWRITING GUIDELINES 4
융자지식206- NON-QM A UNDERWRITING GUIDELINES 4 Income Documentation Option (Full-Doc) 4.1 Salaried Borrowers Portfolio Program Matrices Salaried income from employment should be from related fields if the Borrower has held multiple jobs. In some cases, an employer does...
융자지식205- NON-QM A UNDERWRITING GUIDELINES 3
융자지식205- NON-QM A UNDERWRITING GUIDELINES 3 소득 자격 3.1 적절하고 안정적인 수입 소득 및 고용 분석은 인수 프로세스의 핵심 요소이며 반드시 사용되어야 합니다. 차주의 상환 능력이 합리적인지 판단하기 위해. 소득 서류 이를 위해 차용자가 제공한 자료를 검토하고 확인해야 합니다. 추가적으로 소득 안정적이고 계속될 가능성이 있으며 차용자가 상환할 수 있도록 충분한 것으로 간주되어야 합니다. 적시에 부채. 비 QM 모기지 프로그램...
융자지식204- NON-QM A UNDERWRITING GUIDELINES 2
융자지식204- NON-QM A UNDERWRITING GUIDELINES 2 Non-Warrantable Condominiums Non-warrantable condominiums are allowed with the following parameters: Condominium Project Questionnaire – A completed questionnaire is required. Commercial Space – Commercial space acceptable...
융자지식203- NON-QM A UNDERWRITING GUIDELINES 1
융자지식203- NON-QM A UNDERWRITING GUIDELINES 1 What is a non-qualified mortgage? A non-qualified mortgage (non-QM) is a home loan designed to help homebuyers who can't meet the strict criteria of a qualifying mortgage. For example, if you are self-employed or...
융자지식202- USDA A UNDERWRITING GUIDELINES
융자지식202- USDA A UNDERWRITING GUIDELINES Refer to Exhibit A for Rural Housing origination instructions. PRIMARY RESIDENCE – PURCHASE & RATE/TERM REFINANCE Property Type 1-Unit, Condo, PUD Maximum LTV Purchase Loans 1, 2, 3 : 101.01% Refinance Loans 1, 3, 4 :...
융자지식201- VA A UNDERWRITING GUIDELINES
융자지식201- VA A UNDERWRITING GUIDELINES A UNDERWRITING GUIDELINES • VA Pamphlet 26-7 – Lenders Handbook • VA Loan Guaranty Circulars • VA Loan Limits OVERLAYS 4506-C • A fully executed IRS Form 4506-C must be included in all loan files. • 1040 transcripts are required...
융자지식200- FHA UNDERWRITING GUIDELINES/PROCESSES AND PROCEDURES
융자지식200- FHA UNDERWRITING GUIDELINES/PROCESSES AND PROCEDURES PROCESSES AND PROCEDURES Processes and Procedures describe how to use Flagstar’s systems and tools to achieve FHA, GNMA and Flagstar requirements. 4506-C • If the 4506-C transcripts do not match the...
융자지식199- FHA UNDERWRITING GUIDELINES/OVERLAYS
융자지식199- FHA UNDERWRITING GUIDELINES/OVERLAYS FHA UNDERWRITING GUIDELINES • HUD Handbook 4000.1 – Single Family Housing Policy Handbook • FHA Single Family Housing Policy Handbook Glossary OVERLAYS 4506-C • A fully executed IRS Form 4506-C must be included in all loan...