又爆表！美国1月CPI同比上涨7.5%大超预期 续刷40年新高 2月10日，美国劳工统计局公布数据显示，美国1月CPI同比上涨7.5%，增速再次加快，这是自1982年3月以来的最高水平，高于预期值7.3%，同时也高于前值7.0%。这已经是该数据连续九个...
儿童税收抵免——备受关注的抵免类型
Edit Time: 2/9/2022 8:44:30 PM
儿童税收抵免-一个备受关注的抵免类型 上一篇文章介绍了什么是税收抵免以及税收抵免的类型是什么。关于税收抵免中的某个类型——儿童税收抵免，对很多家庭来讲可能还不太熟悉。了解该政策对于有孩子的家庭来说意义重大，因为这个政策将在很...
税收抵免，真的可以帮助你减轻财务压力
Edit Time: 2/8/2022 5:13:47 PM
相信许多人都有过类似的经历，看着自己庞大的税务支出却不知如何处理。今天，我们就来讲一讲什么是税收抵免，也许能帮受税务困扰的你们进一步理解税收抵免，进而能够多多享受税收抵免给你们带来的优惠与便利。 什么是税收抵免？ ...
如何建立你的信用----- 开启你的信用之路（下）
Edit Time: 2/4/2022 7:32:56 PM
4.信用的一个误解，你需要有信用记录才能获得信用选择，比如信用卡。 确实，坚实的信用记录是获得某些信用卡资格的关键，但即使你正在建立信用或有有限的信用记录，仍然有其他选择。 第一种选择是有担保的信用卡。这张卡需要现金存款作抵押，通常等于该卡的...
What an Amazing 2 Month Asset Depletion Program!
Edit Time: 2/3/2022 1:57:23 AM
This program-Asset Depletion is designed for borrowers who have significant verifiable assets and would benefit from alternative loan qualification m...
如何建立你的信用----- 开启你的信用之路（上）
Edit Time: 1/29/2022 12:02:44 AM
租公寓，买车，买房。不管你是否使用信用卡，拥有良好的信用记录可以让你在财务和个人目标上走上正轨，为未来开辟更多的选择。放款人和房东会根据你的信用评分来决定他们是否想和你做生意。如果你没有分数，贷款人可能会拒绝你的申请——即使你有很好的理财习惯。 建立良好的信用始于...
Self Employed Mortgage: How To Get Approved?
Edit Time: 1/26/2022 2:06:11 AM
These loans have different mortgage guidelines than standard loans. These are mortgage loans for self-employed borrowers that otherwise ma...
What is Debt Service Coverage Ratio (DSCR) and How to Use It?
Edit Time: 1/20/2022 2:47:16 AM
DSCR Program is short for Debt Service Coverage Ratio, which determines the maximum loan payment based on a property's income, thereby also deter...
Non-QM-Asset Depletion Program
Edit Time: 11/23/2021 4:20:15 AM
Keyword: Non-QM Asset Depletion Program This program is designed for borrowers who have significant verifiable assets and would benefi...
Non-Qm-12/24 bank statements program
Edit Time: 11/23/2021 4:15:26 AM
Keyword: Non-QM Self-employed 12/24 bank statements This program is designed for borrowers who are self-employed and would bene...
查收入，还是不查收入，你选对了吗？
Edit Time: 11/19/2021 7:12:49 PM
新冠疫情爆发以来，房市就一直火爆不断，最近美国房屋贷款银行家协会(Mortgage Bankers Association)的最新报告显示，购买新房的房屋贷款申请较去年夏季激增17%，那么贷款时，作为一个房地产投资者应该如何选择？是选择不查收入贷款还是传统贷款，我们来通过对比回答这个问题。 ...
What if I can not qualify a conventional loan?
Edit Time: 11/18/2021 8:38:10 PM
Keywords: Non-QM,DTI,Low Rate,Best Price,Mortgage Lender,Fannie Mae Conventional loans have restrict requirements of DTI rati...
DSCR--Foreign Nationals
Edit Time: 11/13/2021 4:42:04 AM
We all know DSCR, which is a very simple program and just need to put the occupancy into consideration. DSCR is preferred by a lot of agents, so le...
Non-QM ATR-IN FUL
Edit Time: 11/13/2021 4:34:48 AM
ATR-IN FULL is a new non-QM program that just needs assets to qualify, anddoesn’t estimate DTI. This program just needs qualified assets to be over...
Bank statement ，business or personal？
Edit Time: 11/11/2021 6:06:18 PM
The bank statement is a product that estimates a borrower’s income by analyzing deposits in the account.It use DTI to qualify like conventional loa...