This document provides loan limit and LTV guidelines for different loan programs, including:
- Maximum loan amounts and LTVs for full, fast and lite income documentation for owner-occupied properties depend on credit grade and credit score. Loan limits range from $400,000 to $1,000,000.
- Guidelines for stated income documentation loans include lower loan amounts and LTVs than full documentation loans, with loan limits ranging from $250,000 to $650,000 depending on credit factors.
- Non-owner occupied loans have lower amounts and LTVs compared to owner-occupied, with loan limits between $300,000 and $500,000 based on credit grade and history.
Aerolyusa Inc. and Westbury Electronic Services Inc. are aerospace component distributors located in Westbury, NY that have over 50 years of experience. They maintain a large inventory of fasteners and components and certifications like AS9100 and ISO 9001. They can provide just-in-time delivery and support various aircraft and engine programs. They work with leading manufacturers and suppliers to distribute components for applications like aviation, power generation, and industrial markets.
This document appears to be an invoice or receipt listing numerous products with quantities and per unit prices in Spanish currency. It includes a header mentioning home delivery and that prices do not include tax. The document then lists over 70 line items with descriptions of items, quantities, and individual prices.
This document contains inputs and calculations for a real estate investment property cash flow analysis over a 20 year period. It includes the property cost, loan amount, interest rate, annual payment, taxes, depreciation, earnings before interest, taxes, depreciation and amortization (EBITDA), and net income each year. By the end of the 20 years, the analysis shows that the future value of the real estate will be $75,000 and the after-tax internal rate of return on the investment is 43%.
Key benchmark indices declined last week as continued concerns about Greece's debt crisis weighed on sentiment in global markets. A sharp setback in Chinese stock market also spoiled sentiment. A three-week selloff in
China's stock market has darkened the outlook for the world's second-largest economy. The S&P BSE Sensex fell below the psychological 28,000 mark.
Read more here- http://www.pinnaclefinancial.in
This document provides a daily log of commodities trades from August 14th to August 29th. It includes details of the commodity, date, transaction type (buy/sell), lot size, price at initiation, stop loss/target prices, and result or profit/loss. A total profit of Rs. 32350 is reported for the period. Additional sections provide contact details for Choice India brokers and required disclosures around the nature of the analysis and recommendations.
The document provides a market report from NAI Wisinski of West Michigan summarizing commercial real estate trends in the West Michigan area for the fourth quarter of 2016. It includes statistics on industrial, office, and retail properties such as construction levels, vacancy rates, asking rental rates, and net absorption. Real estate transactions completed in the fourth quarter of 2016 are also listed.
This document describes an investment plan offered by RWS Marketing Private Limited. There are two types of plans - a suite plan with a minimum investment of Rs. 10,500 that guarantees a 10% monthly return for 24 months, and a life insurance plan with Reliance Life Insurance minimum premium of Rs. 21,000. The document provides an example of returns on a Rs. 10,500 initial investment over 24 months. It also describes various income opportunities from direct referrals, binary income, and returns on investment in the insurance plan.
FSAE-A Business Presentation - Redback Racing 2017
Formula SAE (F-SAE) is a student competition where students design and build a race car. Part of that competition is pitching the race car as part of a wider business to potential investors. I presented this at F-SAE Australasia 2017 for UNSW Redback Racing. Despite only having 2 weeks to prepare a presentation where other teams have an entire year, Redback Racing placed 4th in the presentation event, which is the best result Redback has had in 6 years.
This document provides a summary of commodity call trades made between September 1st and September 30th. There were over 50 call trades made on various commodities with details on trade date, lot size, type of call, commodity, initiated price level, target price, stop loss price and trade result. The summary also includes contact details of Choice Broking associates and standard legal disclaimers.
The Central Provident Fund (CPF) is a compulsory pension fund in Singapore where employers and employees contribute a percentage of monthly salary. Contribution rates vary depending on the employee's age, citizenship status, and time living in Singapore. The Skill Development Levy (SDL) is also paid by employers for all local employees at 0.25% of the first $4,500 of monthly wages.
The document appears to summarize the journey and progress of a sports team or business over multiple years. It notes early struggles with firefighting and weak basics, but then shows improvement with process rigor, discipline, and alignment. Charts and graphs show metrics, wins, losses and growth over time in different regions starting to improve. The summary reflects on tipping points reached, lessons learned, and an optimistic outlook looking ahead despite challenges.
This document is a balance sheet and income statement for Queen AC Service as of December 31st. The balance sheet shows total assets of IDR 8,395,000, total liabilities of IDR 5,695,000, and total equity of IDR 2,700,000. The income statement shows total revenue of IDR 2,700,000 and a net income of IDR 530,000 for the period.
Aerolyusa Inc. and Westbury Electronic Services Inc. are aerospace component distributors located in Westbury, NY that have over 50 years of experience. They maintain a large inventory of fasteners and components and certifications like AS9100 and ISO 9001. They can provide just-in-time delivery and support various aircraft and engine programs. They work with leading manufacturers and suppliers to distribute components for applications like aviation, power generation, and industrial markets.
This document appears to be an invoice or receipt listing numerous products with quantities and per unit prices in Spanish currency. It includes a header mentioning home delivery and that prices do not include tax. The document then lists over 70 line items with descriptions of items, quantities, and individual prices.
This document contains inputs and calculations for a real estate investment property cash flow analysis over a 20 year period. It includes the property cost, loan amount, interest rate, annual payment, taxes, depreciation, earnings before interest, taxes, depreciation and amortization (EBITDA), and net income each year. By the end of the 20 years, the analysis shows that the future value of the real estate will be $75,000 and the after-tax internal rate of return on the investment is 43%.
Key benchmark indices declined last week as continued concerns about Greece's debt crisis weighed on sentiment in global markets. A sharp setback in Chinese stock market also spoiled sentiment. A three-week selloff in
China's stock market has darkened the outlook for the world's second-largest economy. The S&P BSE Sensex fell below the psychological 28,000 mark.
Read more here- http://www.pinnaclefinancial.in
This document provides a daily log of commodities trades from August 14th to August 29th. It includes details of the commodity, date, transaction type (buy/sell), lot size, price at initiation, stop loss/target prices, and result or profit/loss. A total profit of Rs. 32350 is reported for the period. Additional sections provide contact details for Choice India brokers and required disclosures around the nature of the analysis and recommendations.
The document provides a market report from NAI Wisinski of West Michigan summarizing commercial real estate trends in the West Michigan area for the fourth quarter of 2016. It includes statistics on industrial, office, and retail properties such as construction levels, vacancy rates, asking rental rates, and net absorption. Real estate transactions completed in the fourth quarter of 2016 are also listed.
This document describes an investment plan offered by RWS Marketing Private Limited. There are two types of plans - a suite plan with a minimum investment of Rs. 10,500 that guarantees a 10% monthly return for 24 months, and a life insurance plan with Reliance Life Insurance minimum premium of Rs. 21,000. The document provides an example of returns on a Rs. 10,500 initial investment over 24 months. It also describes various income opportunities from direct referrals, binary income, and returns on investment in the insurance plan.
FSAE-A Business Presentation - Redback Racing 2017Albert Chau
Formula SAE (F-SAE) is a student competition where students design and build a race car. Part of that competition is pitching the race car as part of a wider business to potential investors. I presented this at F-SAE Australasia 2017 for UNSW Redback Racing. Despite only having 2 weeks to prepare a presentation where other teams have an entire year, Redback Racing placed 4th in the presentation event, which is the best result Redback has had in 6 years.
Commodities Call Tracker for September 2014choice broking
This document provides a summary of commodity call trades made between September 1st and September 30th. There were over 50 call trades made on various commodities with details on trade date, lot size, type of call, commodity, initiated price level, target price, stop loss price and trade result. The summary also includes contact details of Choice Broking associates and standard legal disclaimers.
Cotatii indicative titluri de stat 03.10 - 07.10PrivateBanker.ro
The document contains indicative quotes for various Romanian government bonds and treasury bills. It lists the yield, coupon rate, days to maturity, maturity date, nominal value, currency, and ISIN for each security. The securities include both RON and EUR denominated issues maturing between 2012 and 2018.
This document is an advertisement for Valley Hi Kia, located in Victorville, California. It lists several new Kia vehicles for sale and their discounted prices. Key details include 10-year powertrain warranties on all vehicles and available rebates from Kia Motors Finance (KMF) and Kia Motors America (KMA) of up to $1,000. Several 2014 Kia Rio, Soul, Forte, Optima and 2013 Sportage models are advertised with price reductions from $2,781 to $4,135 off the manufacturer's suggested retail price. Low or zero down payments with financing and lease options are also provided.
This document provides information about Renford Consultants Limited, a company registered in the British Virgin Islands. It lists the company's registration details and annual submission transactions from 2007 to 2015, where Mossack Fonseca & Co. paid the company's licensing fees of $350 each year on behalf of Renford Consultants Limited.
This document outlines historical and projected capital expenditures (Capex), depreciation & amortization (D&A), and other key metrics for an asset from 2014-2027. It shows:
1) Capex has increased each period from $1.3B in 2014 to a forecasted $35.2B in 2025 while D&A has also risen from $231.9M to a projected $17B for 2027.
2) Various Capex-to-revenue and D&A-to-revenue percentages are provided for comparison over time.
3) D&A is forecasted out annually showing declining amounts each year as assets depreciate.
Asset Management: Planning, Strategy and ImplementationEsri
This document provides an overview of asset management planning, strategy, and implementation. It discusses key aspects of the asset management process including introduction, overview, process, and questions. The presentation covers asset management standards, service requests, work orders, GIS integration, asset types, budget forecasting, condition assessment, valuation, and visualization of results. It also provides an example of pavement condition modeling over time under different funding scenarios and concludes with contact information.
The document provides contact information for Bijan and Leila Vaziri, loan consultants at Effective Mortgage Company. It lists their names, titles, contact details, and company address. It also notes that any loan is subject to credit approval and that availability may vary by state.
Daily Equity News Updates by TheEquicom 07-Feb-14snehastocktips
To make big profit in trading is not so easy if you are thinking like this so don’t worry we are here to help you by providing accurate and profitable Equity trading tips. We provide recommendation on stock, commodity, nifty, option and future trading market.
This document contains an interest rate sheet for various mortgage loan programs, with rates depending on the borrower's credit score, loan-to-value ratio, and other factors. It lists adjustable interest rates for 2-year and 3-year fixed rate loans, with rates ranging from around 6% to over 12% depending on the borrower's credit profile. Various adjustments are also shown that can increase or decrease the rate depending on the loan amount, property type, income documentation type, and other loan details.
The document outlines a tax schedule for authorized shares of stock held by companies. The tax amounts increase incrementally from $75 for 1-5,000 shares up to $3,825 for 490,001-500,000 shares. Larger share amounts have fixed tax amounts ranging from $4,575 for 600,000 shares to a maximum of $180,000 for over 23,990,000 shares. It also provides notes on calculating taxes and details legislative changes to various business taxes and fees.
YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
This document provides an overview of the topics that will be covered in a Principles of Managerial Finance course according to a textbook. It lists 15 meeting topics that will cover key concepts like financial statements, ratio analysis, cash flow, financial planning, risk and return, and time value of money. It also includes sample calculations for analyzing the cash flows of two potential projects (Projects A and B) to determine their feasibility.
YOUR BUSINESS IS YOUR PROFITABILITY IN CONCEPT HOTEL FUTURIST. SEE YOUR FUTURE AS YOUR PRESENT AND INVEST IN CREATIVITY THAT MAKES SENSE AND REALITY FOR BOTH GUESTS, MANAGEMENT AND STAFF. A NEW VISION AT SHORT TERM, MID TERM OR LONG TERM QUALITY AND TECHNOLOGY HOSPITALITY INDUSTRY.
This document provides a performance analysis of an algorithm company over several time periods. It includes key financial metrics such as sales, operating profit, net income, debt ratio, and earnings per share from 2020-2023. It also evaluates the company's stock price against indication prices of low, mid, and high ranges. Additional data is given on sector stock price rise probabilities and increase rates over 6 month periods. Compliance notices are provided at the end regarding the accuracy and use of the analysis.
This document provides financial and performance data for Algorithm company over several periods from 2020-2023. It includes key metrics like sales, operating profit, net income, debt ratios, and stock prices. It also evaluates the company's current stock price compared to an indication price range and suggests the amount that could be purchased. Additional sections show the stock's probability of rising over past periods and compliance information for the analysis.
This document contains technical specifications for various engine models including dimensions, performance characteristics, and emissions data. It lists over 100 engine types along with their cylinder bore, rated power, maximum torque, displacement, compression ratio, and other metrics. The formatting includes model names and numbers in the left column with corresponding measured values in the right column.
This document provides specifications for high speed cobalt micro-precision drills in fractional sizes, including diameter, shank diameter, overall length, flat length, and product codes. It includes over 100 drill sizes ranging from 0.002 to 0.840 inches in diameter. The drills have a reinforced straight shank and 118 degree point and are available in bright finish.
This document is the budget allocation for the fiscal year 2017 of the Tambon Tha Sao Subdistrict Administrative Organization in Uttaradit Province, Thailand. It allocates a total budget of 74,762,900 Baht across various expenditure categories. Some of the largest allocations include 24,165,090 Baht for infrastructure and public facilities, 16,385,490 Baht for debt interest payments, and 15,203,330 Baht for personnel expenses. It also outlines the actual spending for the past 3 fiscal years for comparison.
Loan-Level Price Adjustment (LLPA) Matrix
This document provides the LLPAs applicable to loans delivered to Fannie. LLPAs are assessed based upon certain eligibility or other loan features, such as credit score, loan purpose, occupancy, number of units, product type, etc. Special feature codes (SFCs) that are required when delivering loans with these features are listed next to the applicable LLPAs. Not all loans will be eligible for the features described in this Matrix and unless otherwise noted, FHA, VA, Rural Development (RD) Section 502 Mortgages, HUD Section 184 Mortgages, and matured balloon mortgages (refinanced or modified, per Servicing Guide requirements) redelivered as fixed-rate mortgages (FRMs) are excluded from these LLPAs. This Matrix is incorporated by reference into the Selling Guide, and the related Selling Guide provision or Selling Guide announcement governs if there is an inconsistency. Refer to the Selling Guide, Eligibility Matrix, and your contracts with Fannie Mae to determine loan eligibility.
This document provides performance data for an algorithm company over several periods from 2016-2019, including sales, operating profit, net income, operating rate, net rate, return on equity, debt ratio, quick ratio, and reserve ratio. It also includes stock price data, earnings per share, book value per share, and dividend amounts. The document then provides analysis of the company's recent quarterly performance, an indication of its current stock price relative to suggested price ranges, and charts showing the company's stock price rise probability scores over time compared to different sectors.
This document provides information about Financial Expertise Marketing Services (Finex), a local Business Process Outsourcing company in the Philippines that provides third party sales, marketing, and consultancy services. It then details the qualifications, requirements, interest rates, and sample repayment schedules for multi-purpose loans offered through affiliated banks. Key details include loan amounts from 50,000 to 450,000 pesos over terms of 6 to 36 months and interest rates ranging from 1.26% to 1.75% depending on the bank. Contact information is provided for Kathie Cruz, the direct sales executive and loan consultant.
The document appears to contain numerical data in a table format organized with 4 columns and multiple rows. The first column contains numbers incrementing by 1 from 0 to 191. The second through fourth columns contain numerical values that also increment at varying levels through the rows. The data likely describes some type of test or measurement results collected over multiple time periods.
Similar to Subprime Underwriting Matrix, 100% LTV down to 580 FICO (20)
Lehman Brothers ALT-A Mortgage Docs, December 18, 2006Bitsytask
This document provides guidelines for several of Aurora's Alt-A loan programs, including maximum loan amounts, LTV/CLTV ratios, eligible property types, borrower documentation types, minimum credit scores, and other requirements. It includes matrices listing the specific guidelines for Alt-A loans, High LTV Alt-A loans, Choice Advantage loans, and No Documentation loans. Additional details are provided around eligible transaction types, interest rate types, prepayment penalties, debt-to-income ratios, mortgage insurance requirements, and other underlying program rules.
This document provides guidelines for various loan programs, including guidelines for loan-to-value (LTV) ratios, combined loan-to-value (CLTV) ratios, minimum credit scores, maximum loan amounts, debt-to-income ratios, required documentation, reserves requirements, and other underwriting criteria. It includes matrices that specify the requirements for different loan programs depending on the borrower's credit score, including programs for first and second trust deeds. The document also provides guidance on appraisal requirements, credit history and derogatory credit guidelines, bankruptcy and foreclosure requirements, tax and judgment liens, gift and closing cost policies, and state-specific restrictions.
Countrywide Option Arm Loans (Negative Amortization) July 26 2006Bitsytask
Countrywide Option Arm loans (Negative Amortization) July 26 2006.
These loans could qualify to 90% loan-to-value and allowed a teaser rate of as low as 1% payment, which would negatively amortize up to 120% of the value of the property. The borrower would make the 1% payment, and go further into debt. Countrywide likely sold these loans as derivatives before having to deal with the inevitable foreclosure.
This document is a client guide for GMAC-RFC that was last updated on September 11, 2006. It outlines GMAC-RFC's objectives, the contractual obligations of clients, and GMAC-RFC's responsibilities as servicer. It also describes client eligibility standards, loan eligibility requirements, property eligibility standards, required loan documentation, and insurance requirements. The guide is organized into multiple chapters covering these various topics.
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
Operation Ajax Declassified PDF Appendix EBitsytask
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
Operation Ajax Declassified PDF Appendix DBitsytask
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
Operation Ajax Declassified PDF Appendix BBitsytask
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
CIA Declassified Operation Ajax Document (PDF File). This document details the CIA/MI5'a overthrow of Iran's president, Mohammad Mosaddegh, on behalf of British Petroleum (BP).
Basic 'how-to' guide for basic and advanced page speed optimization. Page speed optimization resides in the conversion rate optimization family and is one of the most overlooked items in the web development spectrum. For over a decade, countless organizations have quantified that faster websites result in more conversions, leads & revenue. %3Cb>rawr</b><
Menlo Professional Park by Menlo Realty LLP Hinjewadi Puneshubhamkale709080
Menlo Professional Park by Menlo Realty is an exciting new commercial project coming up at Laxmi Chowk, Hinjewadi Phase 1, Pune. This development offers a variety of spaces for shops, showrooms, and offices, with unit sizes ranging from 163 to 1050 square feet. This flexibility ensures that businesses of all scales can find a suitable space within the development. The project is registered with MAHARERA under the registration number P52100055347, which guarantees adherence to all necessary regulations.
Contact us - 8181817136
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Welcome to Zeytinkule Zeytinburnu, where luxury meets convenience along the picturesque Zeytinburnu coastline in Istanbul. Developed by MUKEL İnşaat, Zeytinkule offers a prestigious residential experience with its modern design, high-quality finishes, and a focus on comfort and security.
Discover Your Dream Home:
At Zeytinkule, residents can choose from spacious 2+1 and 3+1 apartments, each featuring closed kitchens and designed to maximize living space and functionality. Every unit offers breathtaking views of the sea, providing a serene backdrop to everyday life.
Exceptional Living Experience:
Enjoy exclusive amenities including a state-of-the-art gymnasium for fitness enthusiasts, smart home systems that enhance convenience and efficiency, and secure indoor parking. The project is meticulously designed to cater to the needs of discerning homeowners seeking luxury and peace of mind.
Prime Location and Accessibility:
Strategically located next to the Marmaray and Fişekhane, Zeytinkule ensures seamless connectivity to the rest of Istanbul. Residents can easily access the vibrant Zeytinburnu seaside within minutes, while major transportation arteries like the E-5 highway and Eurasia Tunnel are just a short drive away. Additionally, the proximity to Marmara Forum shopping mall offers abundant shopping and dining options.
Flexible Payment Options:
Zeytinkule offers flexible payment plans to suit various financial preferences, including cash options or a convenient 30-month installment plan in Turkish Lira. There are no title deed fees, making the purchasing process straightforward and cost-effective.
Scheduled Delivery and Future Investment:
Anticipated for completion in 2026, Zeytinkule represents not just a home but also a sound investment in Istanbul’s thriving real estate market. Whether you are looking to reside in a prestigious address or seeking a lucrative investment opportunity, Zeytinkule Zeytinburnu promises both luxury living and long-term value.
Explore Zeytinkule Today:
Contact us now to schedule a private viewing and experience firsthand the unmatched lifestyle and amenities offered at Zeytinkule. Our team is ready to assist you in securing your dream apartment in one of Istanbul’s most sought-after locations.
https://listingturkey.com/property/zeytinkule-zeytinburnu/
Waunakee neighborhood retail space available for lease located in the downtown Waunakee Business District along S. Century Ave. 2,606 sq. ft. retail space available; Former Rocky Roccoco Pizzeria; Ample parking; Building and pylon signage available; Anchor tenant is Waunabowl; All FF&E included; Lease Rate: $21.00/Sq. Ft. (NNN)
Ozak Duyu Gokturk - Istanbul - Listing TurkeyListing Turkey
Introducing Ozak Duyu Gokturk, an exceptional real estate project nestled in the heart of Istanbul. With its prime location and meticulously designed features, Özak Duyu offers a lifestyle of luxury and convenience, elevating the standards of modern living.
Spanning across 11.891 square meters, this project seamlessly blends urban sophistication with natural beauty. Surrounded by lush greenery and serene landscapes, Özak Duyu provides residents with a tranquil retreat from the bustling city life.
Comprising 5 blocks, Ozak Duyu Gokturk boasts a diverse range of residential units, catering to various lifestyles and preferences. From cozy studios to spacious multi-bedroom apartments, each unit is thoughtfully crafted to maximize comfort and functionality.
Residents of Özak Duyu will find themselves immersed in a world of luxury with access to an impressive selection of amenities. Dive into relaxation with a refreshing swim in the outdoor pool, or break a sweat in the fully-equipped gym. Unwind in the sauna and steam room, or indulge in some gaming at the PlayStation Room. When hunger strikes, grab a bite at the on-site cafeteria before soaking up the sun in the designated sunbathing area. Take a leisurely stroll along the scenic walking paths, or engage in some friendly competition on the basketball court. Kids can frolic and play in the vibrant playground, while families gather and grill in the barbecue area. Ample green space provides the perfect backdrop for outdoor gatherings and picnics. With closed parking and storage facilities, convenience is at your fingertips, while 24/7 security ensures peace of mind. At Ozak Duyu Gokturk, every moment is enriched by an array of world-class amenities, promising an unparalleled living experience for all residents.
Conveniently located just minutes away from Kemer Country Golf Club and Gokturk, Özak Duyu offers easy access to a myriad of shopping, dining, and entertainment options. Additionally, major transportation hubs and key business districts are within close proximity, ensuring seamless connectivity to the rest of the city.
With its impeccable craftsmanship, modern design, and unparalleled amenities, Ozak Duyu Gokturk sets a new standard for luxury living in Istanbul. Whether you’re seeking a vibrant urban lifestyle or a peaceful sanctuary to call home, Özak Duyu has something for everyone. Don’t miss your chance to be a part of this extraordinary community – contact us today to learn more about available units and investment opportunities.
A Guide to Buying Prime Residential Properties in London.pdfbrithomescouk
Buying prime residential properties in London is a significant investment that requires careful planning, research, and consideration. This guide will walk you through the essential steps and tips to make a successful purchase in one of the world's most prestigious real estate markets.
1. Understanding the London Real Estate Market
Before diving into the buying process, it's crucial to understand the dynamics of the London real estate market. London is known for its diverse neighborhoods, each offering unique characteristics, amenities, and property values. The market is influenced by factors such as economic conditions, political stability, and international demand.
Key insights:
Market Trends: Keep an eye on current market trends, including property price fluctuations, demand, and supply.
Economic Factors: Consider the impact of economic indicators such as interest rates, inflation, and employment rates on the property market.
Political Climate: Stay informed about political events and policies that might affect the real estate market, such as Brexit and changes in property taxes.
2. Identifying Prime Neighborhoods
London is home to several prime neighborhoods that attract high-end buyers. Some of the most sought-after areas include:
Kensington and Chelsea: Known for their elegant townhouses, garden squares, and proximity to cultural attractions.
Mayfair: A prestigious area with luxury apartments, exclusive shops, and fine dining establishments.
Belgravia: Renowned for its grand terraces, private gardens, and upscale living.
Knightsbridge: Famous for its high-end retail stores, including Harrods, and luxurious residential properties.
Hampstead: Offers a blend of village charm, green spaces, and stunning period homes.
3. Setting Your Budget and Financial Planning
Buying prime real estate in London requires a substantial financial commitment. To ensure a smooth purchasing process, follow these steps:
Determine Your Budget: Assess your financial situation and set a realistic budget for your property purchase. Consider additional costs such as stamp duty, legal fees, and renovation expenses.
Financing Options: Explore various financing options, including mortgages, loans, and international financing if you are an overseas buyer.
Currency Exchange: If you're an international buyer, consider the impact of currency exchange rates on your budget and plan accordingly.
4. Engaging a Professional Team
Navigating the prime property market in London can be complex, so it's essential to have a team of professionals to guide you through the process:
Real Estate Agent: Choose an experienced agent who specializes in prime residential properties in London. They can provide valuable insights, negotiate on your behalf, and help you find suitable properties.
Solicitor/Conveyancer: Hire a solicitor or conveyancer to handle the legal aspects of the transaction, including contracts, searches, and property registration.
Financial Advisor: Consult a financial advisor to
The Wanda Vista Istanbul projects which bring together Philippe Starck, one of the most important designers of the world and Wanda Hotels & Resorts, one of the world’s leading hotel groups, within the same complex, will become one of the most valuable properties in its region in Istanbul.
Mar Yapı has established a strategic partnership with the world’s leading real estate company and the leader of many industries in which it operates, whereby it added a new one to its innovative approaches and strong partnerships in the real estate industry.
Wanda, which is one of the largest Asian companies, is a global company that operates in real estate, tourism, information technology, entertainment, cinema, hospitality and football industries. Wanda Group which was incorporated by Wang Jianlin, who is the twentieth wealthiest businessman in the world and the richest businessman of China, is also the biggest real estate company in China. Wanda Group targets to be among the largest global multi-national companies with assets of USD 200 billion, a market value of USD 200 billion, an income of USD 100 billion and net profits of USD 10 billion. Wang Jianlin is listed in the “World’s Most Powerful People” by Forbes magazine.
Wanda Vista Istanbul is on Basın Ekspres Road, at a point where the urban transportation network is very widespread. Access roads to Yavuz Sultan Selim Bridge, main arterial roads such as TEM and E-5, public transportation alternatives such as metro and Metrobus are centered around the project. Wanda Vista Istanbul which is distinguished as the hotel that is closest to the 3rd airport, to be put into service within a short period of time, is also a few minutes drive from Yeşilköy Atatürk Airport.
The hotel of 150 rooms which is included in the project will be the group’s first hotel in Europe and Wanda Vista Istanbul will manage 320 residences within the hotel building.
https://listingturkey.com/property/wanda-vista-istanbul/
Vadistanbul Park: A Hub of Elegance and Convenience
Vadistanbul Park is more than just a residential complex; it’s a vibrant community featuring 804 stylish homes, 120,000 m² of premium office space, 20,000 m² of luxurious residence units, and 22,000 m² of retail stores. The ample green spaces provide a tranquil escape, creating a perfect balance between urban living and natural beauty.
Vadistanbul Terrace: Your Gateway to Comfort and Luxury
The first stage of the Vadistanbul Project, Vadistanbul Terrace, spans a generous 250,000 m² area and was completed in just 17 months. This stage alone offers 1,111 exquisite housing units set on 51,000 m², providing residents with everything they need for a comfortable and fulfilling life. Whether you’re looking to relax or stay active, Vadistanbul Terrace has it all:
Outdoor and Indoor Swimming Pools
Tennis Courts
Walking Tracks
Saunas
Basketball Courts
Children’s Playgrounds
Prime Location and Unmatched Accessibility
Strategically located at the heart of Istanbul’s main connection points, Vadistanbul Terrace ensures fast and easy access to all parts of the city. The exclusive Havaray connection, unique to the Vadistanbul project, enhances connectivity and convenience for its residents.
Diverse Living Options and Ample Parking
Vadistanbul Terrace boasts 8 modern blocks offering a variety of apartment options, including 1+1, 2+1, 3+1, 4+1, and 5+1 duplex flats. Each unit is designed with contemporary aesthetics and functional layouts to cater to diverse lifestyle needs. Additionally, the complex provides a substantial parking capacity for 1,800 vehicles, ensuring hassle-free parking for all residents.
Embrace the Vadistanbul Experience
Experience a new standard of living at Vadistanbul, where urban sophistication meets natural tranquility. Whether you’re seeking a dynamic city life or a peaceful retreat, Vadistanbul offers the best of both worlds. Join the Vadistanbul community and discover a new way of living in the heart of Istanbul.
For more information, visit ListingTurkey.com and find your perfect home at Vadistanbul today!
In the heart of a bustling city, where dreams intertwine with the pulse of urban life, there stands a testament to strength, durability and prestige. This is the story of Signature Global Titanium SPR at Sector 71, Gurugram. Like the very essence of its namesake metal, it embodies robustness and resistance to the passage of time, promising a sanctuary of enduring quality and timeless elegance with 55+ amenities on offer that are curated around your everyday necessities.
"Wishcowork: Transforming the Coworking Experience in Jaipur".Wish Cowork
Unlock your potential at Wishcowork, Jaipur's premier coworking space! Ideal for entrepreneurs, freelancers, and growing businesses, our vibrant and flexible spaces are designed to inspire productivity. Enjoy state-of-the-art amenities, high-speed internet, private cabins, and shared offices. Join our dynamic community and elevate your work experience. Choose Wishcowork today!
Buy a Flat in Dubai on a Budget: International CityHome Station
International City offers some of Dubai's most affordable flats. Studios, 1 & 2 bedrooms - perfect for budget-minded buyers and investors. Explore today!
Godrej Yeshwanthpur - Luxuriate in Urban Splendor With Exquisite Highrise Res...JagadishKR1
Embrace opulence and sophistication at Godrej Yeshwanthpur, where luxury meets contemporary living in Bangalore. These impeccably designed 3 & 4BHK highrise residences redefine urban elegance with expansive layouts, panoramic city views, and unparalleled amenities. Nestled in the coveted Yeshwanthpur area, this address offers not just a home, but a lifestyle of utmost prestige and convenience. Discover the pinnacle of modern urban living at Godrej Yeshwanthpur, where every detail embodies excellence and grandeur.
New Launch Elan Imperial Mall Of GurgaonElan Imperial
Are you looking here new launch elan imperial?As the real estate market in new gurugram flourishes early investors are poised to benefit from the projected surge in property values elan imperial epitomizes wisdom for investors seeking substantial returns Within Gurugram’s vibrant and varies business community your investments transforms into an asset actively working to maximize returns its not just a destination its a visionary investment poised for brilliance and successfor more details contact us today.Elan Imperial Sector 82 is more than just a shopping center; it's a wise retreat for investors looking for excellent possibilities. It’s ideal location—in the center of a booming residential area and right in the middle of New Gurugram—guarantees investors access to a wide range of potential customers and a center of activity. Your investment has the best chance of ever succeeding.
Subprime Underwriting Matrix, 100% LTV down to 580 FICO
1. S500 Loan Limits
This is summary information only. Refer to the Client Guide for complete and definitive underwriting guidelines.
Maximum Loan Amounts & LTVs for Full, Fast and Lite Income Documentation (Owner Occupied)
Credit Grade (12 month LTV
Housing History) Credit Score <=65% 65.01 to 70% 70.01 to 75% 75.01 to 80% 80.01 to 85% 85.01 to 90% 90.01 to 95% 95.01 to 100% 80/20 Combo 1st
/2nd
700+ 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 800,000 700,000 700,000 750,000/187,500
640-699 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 800,000 700,000 650,000 750,000/187,500
620-639 1,000,000 1,000,000 1,000,000 900,000 850,000 800,000 650,000 600,000 750,000/187,500
600-619 1,000,000 1,000,000 1,000,000 900,000 800,000 800,000 600,000 600,000 750,000/187,500
580-599 850,000 850,000 850,000 850,000 750,000 700,000 550,000 500,000 750,000/187,500
560-579 750,000 750,000 750,000 700,000 650,000 600,000
540-559 700,000 700,000 700,000 700,000 600,000 550,000
520-539 500,000 500,000 500,000 500,000 400,000
A4
0x30 reported
mortgage history
500-519 400,000 400,000 400,000 400,000
700+ 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 800,000 700,000 700,000 750,000/187,500
640-699 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 800,000 700,000 650,000 750,000/187,500
620-639 1,000,000 1,000,000 1,000,000 900,000 850,000 800,000 650,000 600,000 750,000/187,500
600-619 1,000,000 1,000,000 1,000,000 900,000 800,000 800,000 600,000 600,000 750,000/187,500
580-599 850,000 850,000 850,000 850,000 750,000 700,000 550,000
560-579 750,000 750,000 750,000 700,000 650,000 600,000
540-559 700,000 700,000 700,000 700,000 600,000 550,000
520-539 500,000 500,000 500,000 500,000 400,000
A5
<12 months reported
mortgage history
0x30 housing
500-519 400,000 400,000 400,000 400,000
700+ 1,000,000 1,000,000 1,000,000 1,000,000 850,000 750,000 700,000 700,000 650,000/162,500
640-699 1,000,000 1,000,000 1,000,000 1,000,000 850,000 750,000 700,000 650,000 650,000/162,500
620-639 1,000,000 1,000,000 1,000,000 850,000 850,000 750,000 650,000 500,000 650,000/162,500
600-619 1,000,000 1,000,000 1,000,000 850,000 800,000 750,000 600,000 500,000 650,000/162,500
580-599 850,000 850,000 850,000 800,000 750,000 650,000 550,000
560-579 750,000 750,000 750,000 700,000 650,000 600,000
540-559 700,000 700,000 700,000 700,000 600,000 550,000
520-539 500,000 500,000 500,000 500,000
Ax
1x30
(includes rolling)
500-519 400,000 400,000 400,000
620+ 850,000 850,000 850,000 750,000 750,000 600,000
600-619 750,000 750,000 750,000 750,000 750,000 600,000
580-599 750,000 750,000 750,000 650,000 650,000 600,000
560-579 650,000 650,000 650,000 650,000 650,000 500,000
540-559 650,000 650,000 650,000 600,000
520-539 500,000 500,000 500,000
Am
Unlimited 30's, 0x60
500-519 400,000 400,000 400,000
620+ 650,000 650,000 650,000 600,000 600,000
580-619 650,000 650,000 650,000 600,000 400,000
560-579 600,000 600,000 550,000 550,000 400,000
540-559 500,000 500,000 500,000
520-539 500,000 500,000 450,000
B
1x60, 0x90
(non-rolling)
500-519 400,000 400,000 400,000
620+ 500,000 500,000 400,000 400,000
580-619 450,000 450,000 400,000 400,000
540-579 450,000 450,000
C
Unlimited 60's, 1x90
(non-rolling)
520-539 450,000 400,000
Bankruptcy >=1 year >=2 years
Foreclosure >=1 year >=2 years >=3 years
Major Adverse Credit $5,000 may be left open ($10,000 for grade C) $1,500 may be left open ($10,000 for grade C)
40/30 & 40 year recast
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Loan Program
Page 1 of 6
2. S500 Loan Limits
Housing Payment History for Full, Fast and Lite Income Documentation (Owner Occupied)
LTV
<=65%
LTV
65.01 to
70%
70.01 to
75%
75.01 to
80%
80.01 to
85%
85.01 to
90%
90.01 to
95%
95.01 to
100%
80/20 Combo
Borrowers without 12 month
reported mortgage history
• Requires Institutional Verification of housing, private verification of housing, or 12 months
canceled checks
• If documentation of housing indicates late or missing payments, the credit grade is downgraded
according to the number and severity of the late/missing payments
• Credit scores >=600, require
Institutional Verification of
Housing, Private Verification of
Housing, or 12 months canceled
checks
• Credit scores <600, require
Institutional Verification of
Housing or 12 months canceled
checks
• If documentation of housing
indicates late or missing
payments, the credit grade is
downgraded according to the
number and severity of the
late/missing payments
A5 Rent Free/Lives with
Relatives/owns free and clear or
cannot document
Maximum LTV/CLTV of 90% Not eligible
Maximum CLTV by Credit Score for Full, Lite and Fast Income Documentation (Owner Occupied)
Credit Grade Credit Score Max CLTV
A4, A5, Ax, Am 100%
B, C
580+
95%
All Grades 560-579 95%
All Grades 500-559 90%
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Loan Program
Page 2 of 6
3. S500 Loan Limits
Maximum Loan Amounts & LTVs for Stated Income Documentation (Owner Occupied)
Credit Grade LTV
(12 month
Housing
History)
Credit
Score <=55%
55.01 to
60%
60.01 to
65%
65.01 to
70%
70.01 to
75%
75.01 to
80%
80.01 to
85%
85.01 to
90%
90.01 to
95%
95.01 to
100%
80/20 Combo
1st
/2nd
640+ 650,000 650,000 650,000 650,000 650,000 650,000 500,000 400,000 400,000 400,000 400,000/100,000
620-639 650,000 650,000 650,000 650,000 650,000 650,000 500,000 400,000 400,000
600-619 500,000 500,000 500,000 500,000 500,000 500,000 500,000 400,000 400,000
580-599 500,000 500,000 500,000 500,000 500,000 500,000 400,000 400,000 400,000
560-579 500,000 500,000 500,000 500,000 400,000 400,000 400,000
540-559 350,000 350,000 350,000 350,000 350,000 300,000
520-539 300,000 300,000 300,000
A4
0x30 reported
mortgage
history
500-519 250,000 250,000 250,000
640+ 650,000 650,000 650,000 650,000 650,000 650,000 500,000 400,000 400,000 400,000 400,000/100,000
620-639 650,000 650,000 650,000 650,000 650,000 650,000 500,000 400,000 400,000
600-619 500,000 500,000 500,000 500,000 500,000 500,000 500,000 400,000
580-599 500,000 500,000 500,000 500,000 500,000 500,000 400,000
560-579 400,000 400,000 400,000 400,000 400,000 400,000 400,000
540-559 350,000 350,000 350,000 350,000 350,000 300,000
520-539 300,000 300,000 300,000
A5
<12 months
reported
mortgage
history
0x30 housing
500-519 250,000 250,000 250,000
640+ 500,000 500,000 500,000 500,000 500,000 500,000 400,000 400,000 400,000
620-639 500,000 500,000 500,000 500,000 500,000 500,000 400,000 400,000
560-619 400,000 400,000 400,000 400,000 400,000 400,000 400,000
540-559 350,000 350,000 350,000 350,000 350,000 300,000
520-539 300,000 300,000 300,000
Ax
1x30
(includes
rolling)
500-519 250,000 250,000 250,000
620+ 500,000 500,000 500,000 500,000 500,000 500,000 400,000
580-619 400,000 400,000 400,000 400,000 400,000 400,000 400,000
560-579 350,000 350,000 350,000 350,000 350,000 300,000
540-559 300,000 300,000 300,000
Am
Unlimited
30's, 0x60
500-539 250,000 250,000 250,000
560+ 350,000 350,000 350,000 350,000 300,000B
1x60, 0x90
(non-rolling) 520-559 300,000 300,000 300,000
C
Unlimited
60's, 1x90
(non-rolling) 520+ 250,000 250,000 250,000
Bankruptcy >=1 year >=2 years
Foreclosure >=1 year >=2 ears >=3 years
Major Adverse Credit
$5,000 may be left open ($10,000 for grade C)
$1,500 may be left open ($10,000 for
grade C)
40/30 & 40 year recast N/A
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Loan Program
Page 3 of 6
4. S500 Loan Limits
Maximum LTVs for Stated Income Documentation (Owner Occupied)
LTV
<=55%
55.01 to
60%
60.01 to
65%
65.01 to
70%
70.01 to
75%
75.01 to
80%
80.01 to
85%
85.01 to
90%
90.01 to
95%
95.01 to
100%
80/20 Combo
Borrowers without 12
month reported mortgage
history
• Requires Institutional Verification of Housing, Private Verification of Housing, or 12 months canceled checks
• If documentation of housing indicates late or missing payments, the credit grade is downgraded according to the number and severity of the
late/missing payments
A5 Rent Free/Lives with
Relatives/owns free and
clear or cannot document
Maximum LTV/CLTV of 90% Not eligible
Maximum CLTV by Credit Score for Stated Income Documentation (Owner Occupied)
Credit Grade Credit Score Maximum CLTV
A4, A5, Ax 600+ 100%
Am, B, C 600+ 95%
A4 580-599 95%
A5, Ax, Am, B, C 580-599 90%
All Grades 560-579 85%
All Grades 500-559 80%
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Loan Program
Page 4 of 6
5. 50.01 to 55.01 to 60.01 to 65.01 to 70.01 to 75.01 to 80.01 to
55% 60% 65% 70% 75% 80% 85%
S500 Loan Limits
Maximum Loan Amounts & LTVs for Full, Fast and Lite Income Documentation (Non-owner Occupied)
LTV
Credit Grade (12 month
Housing History)
Credit
Score <=50%
A4 580-599 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000
0x30 reported mortgage 560-579 350,000 350,000 350,000 350,000 350,000 350,000 350,000 350,000
history 540-559 300,000 300,000 300,000 300,000 300,000 300,000 300,000
520-539 300,000 300,000 300,000 300,000
A5 600+ 500,000 500,000 500,000 500,000 500,000 500,000 500,000 400,000
<12 months reported 580-599 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000
mortgage history 560-579 350,000 350,000 350,000 350,000 350,000 350,000 350,000 350,000
0x30 housing 540-559 300,000 300,000 300,000 300,000 300,000 300,000 300,000
580+ 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000
Ax 560-579 350,000 350,000 350,000 350,000 350,000 350,000 350,000
1x30 (includes rolling) 540-559 300,000 300,000 300,000 300,000 300,000 300,000 300,000
520-539 300,000 300,000 300,000 300,000
620+ 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000
Am 580-619 350,000 350,000 350,000 350,000 350,000 350,000 350,000
Unlimited 30's 560-579 300,000 300,000 300,000 300,000 300,000 300,000 300,000
0x60 540-559 300,000 300,000 300,000 300,000
520-539 300,000 300,000 300,000 300,000
B 560+ 300,000 300,000 300,000 300,000 300,000 300,000
1x60, 0x90 (non-rolling) 540-559 300,000 300,000 300,000 300,000
C 560+ 300,000 300,000 300,000 300,000
Unlimited 60's,
1x90 (non-rolling) 540-559 300,000 300,000 300,000
Bankruptcy >=1 year >=2 years
Foreclosure >=2 years >=3 years
Major Adverse Credit $1,500 may be left open ($10,000 for grade C)
Minimum Loan Amount $50,000
Housing Payment History
Borrower without 12 months mortgage
history
Lives rent free/lives with relatives/owns
• Requires Institutional Verification of Rent or 12 months canceled checks
• If documentation of housing indicates late or missing payments, the credit grade is downgraded according to the number
and severity of the late/missing payments
free and clear or cannot document
Not eligible
CLTVs Secondary Financing Not eligible
40/30 Balloon, 40 Year Recast Not eligible
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Loan Program
Page 5 of 6
6. S500 Loan Limits
Maximum Loan Amounts & LTVs for Stated Income Documentation (Non-owner Occupied)
LTVCredit Grade (12 month
Housing History)
Credit Score
<=50% 50.01-55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 75.01-80%
580+ 350,000 350,000 350,000 350,000 350,000 350,000 350,000
560-579 250,000 250,000 250,000 250,000 250,000 250,000
A4
0x30 reported mortgage
history 520-559 250,000 250,000 250,000 250,000
580+ 350,000 350,000 350,000 350,000 350,000 350,000 350,000
560-579 250,000 250,000 250,000 250,000 250,000 250,000
A5
<12 months reported mortgage
history; 0x30 housing 540-559 250,000 250,000 250,000 250,000
560+ 250,000 250,000 250,000 250,000 250,000 250,000
Ax 1x30 (includes rolling)
520-559 250,000 250,000 250,000 250,000
580+ 250,000 250,000 250,000 250,000 250,000 250,000
560-579 250,000 250,000 250,000 250,000 250,000Am Unlimited 30's, 0x60
520-559 200,000 200,000 200,000 200,000
560+ 250,000 250,000 250,000 250,000
B 1x60, 0x90
540-559 200,000 200,000 200,000 200,000
Bankruptcy >=1 year
Foreclosure >=2 years >=3 years
Major Adverse Credit $1,500 may be left open
Minimum Loan Amount $50,000
Housing Payment History
Borrower without 12 months mortgage history
• Requires Institutional Verification of Rent or 12 months canceled checks
• If documentation of housing indicates late or missing payments, the credit grade is downgraded according to the
number and severity of the late/missing payments
Rent free/lives with relatives/owns free and
clear or cannot document
Not eligible
CLTVs Secondary Financing not eligible
40/30 Balloon, 40 Year Recast Not eligible
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Loan Program
Page 6 of 6
7. Documentation Requirements
Income Type Full Lite Fast Stated
• Paystub(s) showing most recent
30-days YTD income
• W-2 forms for most recent 2 years
or
• Written VOE
• Paystub(s) showing most recent
30-days YTD income
• W-2 forms for most recent year
or
• Written VOE
• Paystub(s) showing most recent
30-days YTD income
• W-2 forms for most recent year
or
• Written VOE
Additional requirement for B & C:
Verbal VOE 5 days prior to closing.
Additional requirement for B &
C:
Verbal VOE 5 days prior to closing.
Additional requirement for B & C:
Verbal VOE 5 days prior to closing.
Bonus or overtime income: Averaged
over most recent 2 years unless
declining, then past 12 months will be
averaged
Bonus or overtime income: Not
used for qualifying.
Bonus or overtime income:
Averaged over most recent year.
Tips or gratuity income: Averaged
over most recent 2 years unless
declining, then past 12 months will be
averaged.
Tips or gratuity income: Not used
for qualifying.
Tips or gratuity income: Averaged
over most recent year.
Wage Earner
Commission income: Averaged over
most recent 2 years using personal tax
returns & deducting non-reimbursed
business expenses as reported on IRS
Form 2106. If declining in most recent
tax year lower income is used
Commission income: Not used for
qualifying.
Commission income: Averaged over
most recent year using personal tax
returns & deducting non-reimbursed
business expenses as reported on IRS
Form 2106.
• Income must be stated on the
application
• Credit grades A4, A5 and Ax only
• Minimum 580 Credit Score
• Verbal VOE required
• Owner occupied, primary residence
or second/vacation home
• Signed and dated IRS Forms 4506 or
4506-T authorizing the Client or its
assigns to obtain income information
S500 Income Documentation
This is summary information only. Refer to the Client Guide for complete and definitive underwriting guidelines.
J.I.M. FINANCIAL At-A-Glance 03/13/06
S500/Credit Gap Income Documentation Page 1 of 3
8. S500 Income Documentation
Documentation Requirements
Income Type Full Lite Fast Stated
Self-Employed
• Personal tax returns with all schedules
for most recent 2 years
• Business tax returns with all schedules
for most recent 2 years
• Proof of existence of business
(business license or confirmation
through phone directory listing) for
most recent 2 years
or
• Personal bank statements for most
recent 2 years and proof of existence
of business (business license or
confirmation through phone directory
listing) for most recent 2 years with
conditions as required for
self-employed income
Additional requirement: If >120 days
since filing tax return, a signed & dated
P&L is required.
Not available
• Personal tax return with all
schedules for most recent year
• Business tax returns with all
schedules for most recent year
• Proof of existence of business
(business license or confirmation
through phone directory listing) for
most recent 2 years
or
• Personal bank statements for most
recent year with conditions as
required for self-employed income
Additional requirement: If >120
days since filing tax return, a signed &
dated P&L is required.
• Income must be stated on the
application
• Verification of the existence of the
Borrower’s business through
evidence of a business license and
confirmation of a phone directory
listing. If a license is not required for
the business, a signed confirmation
of business is required by Borrower’s
accountant or other CPA
• Signed and dated IRS Forms 4506 or
4506-T authorizing the Client and/or
its assigns to obtain income
information
Fixed Income
One of the following is required:
• W-2P Form for most recent 2 years
• Award Letter or Court Order and
evidence of receipt
• 1099 Forms for most recent 2 years
• Personal tax returns with all schedules
for most recent 2 years
• Copy of divorce stipulation and decree
or Court Order
Not available
One of the following is required:
• Most recent W-2P Form
• Award Letter or Court Order and
evidence of receipt
• 1099 Form for most recent year
• Personal tax return with all
schedules for most recent year
• Copy of divorce stipulation and
decree or Court Order
Not available
Rental Income
• Current annual lease
• Schedule E for most recent 2 years or
• Operating Income Statement
Not available
• Current annual lease
• Schedule E for most recent year or
• Operating Income Statement
Income stated on the 1003
Interest and
Dividend
Income
• Personal tax returns with Schedules B
for most recent 2 years
• Proof of assets to support the interest
or dividend income
Not available
• Personal tax return with Schedules B
for most recent year
• Proof of assets to support the
interest or dividend income
Not available
J.I.M. FINANCIAL At-A-Glance 03/13/06
S500/Credit Gap Income Documentation Page 2 of 3
9. S500 Income Documentation
Documentation Requirements
Income Type Full Lite Fast Stated
Trust Income
Trust Agreement or Trustee’s Statement
and one of the following:
• Personal tax returns with all schedules
for most recent 2 years
• K-1 Schedule for most recent 2 years
• 1041 Fiduciary tax returns for most
recent 2 years
Not available
Trust Agreement or Trustee’s
Statement and one of the following:
• Personal tax returns with all
schedules for most recent year
• K-1 Schedule for most recent year
• 1041 Fiduciary tax returns for most
recent year
Not available
Note Income
Copy of Note and one of the following:
• Tax returns with all schedules for most
recent 2 years
• Bank statements showing Note income
deposited for most recent 2 years
Not available
Copy of Note and one of the following:
• Tax returns with all schedules for
most recent year
• Bank statements showing Note
income deposited for most recent
year
Not available
Inherited and
Guaranteed
Income
• Award Letter
• Personal tax returns with all schedules
for most recent 2 years
Not available
• Award Letter
• Personal tax returns with all
schedules for most recent year
Not available
Temporary
Disability
Income
• Insurance Award Letter
• Letter from Borrower’s employer Not available
• Insurance Award Letter
• Letter from Borrower’s employer Not available
Seasonal
Unemployment
Compensation
• Personal tax returns with all schedules
for most recent 2 years Not available
• Personal tax return with all
schedules for most recent year
• Letter from the Borrower’s employer
Not available
J.I.M. FINANCIAL At-A-Glance 03/13/06
S500/Credit Gap Income Documentation Page 3 of 3
10. S500 Underwriting Criteria
This is summary information only. Refer to the Client Guide for complete and definitive underwriting guidelines.
Owner Occupied and Second/Vacation Owner Occupied
Full, Lite, Fast and Stated Income Documentation, All Property Types Full, Lite, Fast and Stated
LTV Percentages <=65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-100 J.I.M. FINANCIAL 80/20
Credit
DTI e Maximum DTI 50%; DTI up to 55% allowed with 2 months reserves or $1,500 residual income
e For the 40 Year Recast and 40/30 Balloon Features, DTI cannot exceed 50%
Residual Income No Minimum $1,500 No Minimum
Reserves None Required e None required for Full, Lite or Fast
e Stated requires 2 months
Trade Lines All credit grades require a Credit Score based on:
e A minimum two year credit history
e At least one trade (derogatory or non-derogatory) reported in the past six months
e A minimum number of non-derogatory trade lines based on credit grade and income documentation type:
o Full, Lite & Fast – minimum 3 non-derogatory trade lines
o Stated – minimum 5 non-derogatory trade lines
Seller Concessions Maximum of 6% non recurring
Temporary Buy Downs Not eligible
Adverse Credit Collection accounts, charge-off accounts, judgments, liens, delinquent property taxes, repossessions, garnishments and accounts
currently 90 days or more delinquent are considered Major Adverse Credit.
e Medical accounts that are collection or charge-offs will not be required to be paid. Aggregate totals exceeding the CLTV limits for the
loan transaction will be reviewed on a case-by-case basis
e All property, State, and IRS tax liens, regardless of seasoning, are required to be paid whether or not they currently affect title. No
payment plans or subordination allowed. Property tax liens on other properties will be considered Major Adverse Credit. Federal tax
liens older than ten years are not required to be paid unless the title company requires payoff.
e Adverse accounts > 24 months that do not affect title will not be considered in grade determination and are not required to be paid
e Cumulative adverse accounts and all non-medical adverse credit <24 months seasoned, must be paid off if it exceeds amounts listed
below:
o For LTV <=90%, $5,000 may be left open provided it does not affect title
o For LTV >90%, $1,500 may be left open provided it does not affect title
o For C grade, $10,000 may be left open provided it does not affect title
Borrower Eligibility
US Citizen
Borrower without 12 months reported mortgage history
Permanent resident alien
Non-permanent resident alien Maximum LTV/CLTV 90%. No cash-out permitted. Not eligible
Non-occupant co-borrower Not eligible
Foreign National Not eligible
Transaction Types
Purchase Mortgage
Rate/Term Refinance Mortgage
Cash Out Refinance Mortgage e Maximum Cash out of $150,000 (cash-in-hand may be the greater of $50,000 or 30% of Loan Amount)
e For credit grade C, no cash-in-hand allowed unless derogatory and revolving debt is paid off.
e No cash-out permitted for non-permanent resident aliens.
Construction/Permanent Mortgage Not eligible
Contract for Deed/Land Contract See Chapter 3B, Contract for Deed/Land Contract Section for more information. Not eligible
Lease with option to Purchase Not eligible
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Underwriting Criteria Page 1 of 4
11. S500 Underwriting Criteria
Owner Occupied and Second/Vacation Owner Occupied
Full, Lite, Fast and Stated Income Documentation, All Property Types Full, Lite, Fast and Stated
LTV Percentages <=65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-100 J.I.M. FINANCIAL 80/20
Property Types
Single Family 1 -2 units
(attached or detached)
Second/vacation limited to 1 unit only
PUD
Modularized, Panelized, Pre-cut Home
Single Family 3-4 units Second/vacation not eligible. Maximum LTV/CLTV 90% Not eligible
Condominium unlimited stories Must meet J.I.M. FINANCIAL Class II or III warranties
Rural property Maximum LTV/CLTV of 90% Not eligible
Mixed Use properties e Reduce LTV/CLTV 15%, Max Loan amount of $500,000
or maximum allowed for credit grade.
e Full, Lite & Fast: Max LTV/CLTV 85% (after reduction)
e Stated: Max LTV/CLTV 80% (after reduction)
Not eligible
Occupancy
Second/Vacation Restricted to 1 unit only. 2-4 units are not eligible. Not eligible
Loan Amount Minimum
Properties with a loan amount less than $50,000 have a maximum LTV/CLTV of 60% Minimum $20,000 loan amount
for 2nd mortgage (or as specified
by State law)
Secondary Financing
10%-20% LTV allowed on
simultaneous 2nd Lien
Stated Income Requirements
Wage Earners Minimum of 580 Credit Score; Grades A4, A5, Ax only (1x30 housing history or better)
Self-Employed
Rental Income
Interest Only
Transaction Types Purchase mortgage, rate/term refinance mortgage, or cash-out refinance mortgage.
Credit Grades e A4 0x30 reported mortgage Delinquency in past 12 months
e A5 0x30 unreported housing and/or <12 months reported mortgage history
e Ax 1x30 mortgage/rental history in past 12 months, rolling lates allowed, no more than 30 days down at closing
Minimum Credit Score e Full, Fast, Lite: 580
e Stated Income: 640
Occupancy e Owner Occupied, Primary Residence only
Property Types e Single family 1 -2 units attached or detached
e PUD
e Modular homes, Panelized homes, Pre-cut homes
e Condominiums, unlimited stories with Class II or Class III Warranties
Term e Standard IO term is 5 years
DTI e Maximum DTI is 45%
e 45.01% to 50% DTI allowed with 2 months reserves or $1,500 residual income
40/30 Balloon, 40 Year Recast
e Not allowed on 2nd
liens
e For the 40 Year Recast and 40/30 Balloon Features, maximum 50% DTI
e Not allowed on Interest Only feature
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Underwriting Criteria Page 2 of 4
12. S500 Underwriting Criteria
Non-Owner Occupied
Full, Lite, Fast, and Stated Income Documentation, All Property Types
LTV Percentages <=50 50.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85
Credit
DTI Maximum of 50%; up to 55% allowed with 2 months reserves or $1,500 residual income
Residual Income Minimum $1,500
Reserves e None required
Trade Lines All credit grades require a Credit Score based on:
e A minimum two year credit history
e At least one trade (derogatory or non-derogatory) reported in the past six months
e A minimum number of non-derogatory trade lines based on credit grade and income documentation type:
o Full, Lite & Fast – minimum 3 non-derogatory trade lines
o Stated – minimum 5 non-derogatory trade lines
Seller Concessions Maximum of 3% non-recurring
Temporary Buy Downs Not eligible
Adverse Credit Collection accounts, charge-off accounts, judgments, liens, delinquent property taxes, repossessions, garnishments and accounts
currently 90 days or more delinquent are considered Major Adverse Credit.
e Medical accounts that are collection or charge-offs will not be required to be paid. Aggregate totals exceeding the CLTV limits for the
loan transaction will be reviewed on a case-by-case basis
e All property, State, and IRS tax liens, regardless of seasoning, are required to be paid whether or not they currently affect title. No
payment plans or subordination allowed. Property tax liens on other properties will be considered Major Adverse Credit. Federal tax
liens older than ten years are not required to be paid unless the title company requires payoff.
e Adverse accounts > 24 months old that do not affect title will not be considered in grade determination and are not required to be paid
e Cumulative adverse accounts and all non-medical adverse credit < 24 months seasoned, must be paid off if it exceeds $1,500 ($1,500
may be left open provided it does not affect title)
Borrower Eligibility
US Citizen
Borrower without 12 months reported mortgage history
Permanent resident alien
Non-permanent resident alien Not eligible
Non-occupant co-borrower Not eligible
Foreign National Not eligible
Transaction Types
Purchase Mortgage
Rate/Term Refinance Mortgage
Cash Out Refinance Mortgage e Maximum Cash out of $150,000 (cash-in-hand may be greater of $50,000 or 30% of loan amount)
e For credit grade C, no cash-in-hand allowed unless derogatory and revolving debt is paid off
Construction/Permanent Mortgage Not eligible
Contract for Deed/Land Contract Not eligible
Lease with option to Purchase Not eligible
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Underwriting Criteria Page 3 of 4
13. S500 Underwriting Criteria
Non-Owner Occupied
Full, Lite, Fast, and Stated Income Documentation, All Property Types
LTV Percentages <=50 50.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85
Property Types
Single Family 1 -2 units (attached or detached)
PUD
Modularized, Panelized, Pre-cut Home
Single Family 3-4 units Maximum LTV 75% Not eligible
Condominium unlimited stories Must meet J.I.M. FINANCIAL Class II or III warranties
Rural property Not eligible
Mixed Use properties Not eligible
Loan Amount Minimum
$50,000
Secondary Financing
Secondary Financing is not eligible
Stated Income Requirements
Stated Wage Earners Not eligible
Self-Employed
Interest Only
Not eligible
40/30 Balloon, 40 Year Recast
Not eligible
J.I.M. FINANCIAL At-A-Glance 12/11/06
S500 Underwriting Criteria Page 4 of 4