q********i
发帖数: 152 | 1 考虑买一套房子给爸妈住，非出租，问题1:是否qualify second home？需要如何证明？
family income:
base ~ 307K /yr, 25.6K /mo
bonus in current company, last year ~ 30K /yr, previous year ~25K, but from
different company
RSU ~ 220K /yr, already vesting, schedule is monthly (应该需要一定比例RSU计
算DTI，否则DTI恐怕达不到45%)
现有房子payment: 6440 PI, 1630 TI (~ 8.1K PITI).
如果只考虑Base, 45% DTI只有11.5K, 只余下3.4K，应该是不够的。因此需要能
qualify bonus and/or RSU.
准备看800-900K TH，Down payment up to 50%，但是能贷多少就贷多少，外加至少
350K reserve（2 years).
信用>760。
一个月左右开preapproval | r********n
发帖数: 226 | 2 Yes you can be Non-Occupant Co-Borrower.
See details in site message.
明？
from
【在 q********i 的大作中提到】
: 考虑买一套房子给爸妈住，非出租，问题1:是否qualify second home？需要如何证明？
: family income:
: base ~ 307K /yr, 25.6K /mo
: bonus in current company, last year ~ 30K /yr, previous year ~25K, but from
: different company
: RSU ~ 220K /yr, already vesting, schedule is monthly (应该需要一定比例RSU计
: 算DTI，否则DTI恐怕达不到45%)
: 现有房子payment: 6440 PI, 1630 TI (~ 8.1K PITI).
: 如果只考虑Base, 45% DTI只有11.5K, 只余下3.4K，应该是不够的。因此需要能
: qualify bonus and/or RSU.
| q********i
发帖数: 152 | 3 I would like the property to be under my name, is it possible? To elaborate,
what's the difference between investment property and second home in terms
of loan application? | r********n
发帖数: 226 | 4 replied you.
Please call me for details.
elaborate,
terms
【在 q********i 的大作中提到】
: I would like the property to be under my name, is it possible? To elaborate,
: what's the difference between investment property and second home in terms
: of loan application?
| L******0
发帖数: 560 | 5 投资房比2nd home 的利率高.
elaborate,
terms
【在 q********i 的大作中提到】
: I would like the property to be under my name, is it possible? To elaborate,
: what's the difference between investment property and second home in terms
: of loan application?
| D******Y
发帖数: 47 | 6 请查收私信。
您的情况可以当做父母的自住房来买，拿到自住房的利率。
祝好！ | T****L
发帖数: 1203 | 7 可以算你父母的自住屋，然后你是non-occupying co-borrower来做
明？
from
【在 q********i 的大作中提到】
: 考虑买一套房子给爸妈住，非出租，问题1:是否qualify second home？需要如何证明？
: family income:
: base ~ 307K /yr, 25.6K /mo
: bonus in current company, last year ~ 30K /yr, previous year ~25K, but from
: different company
: RSU ~ 220K /yr, already vesting, schedule is monthly (应该需要一定比例RSU计
: 算DTI，否则DTI恐怕达不到45%)
: 现有房子payment: 6440 PI, 1630 TI (~ 8.1K PITI).
: 如果只考虑Base, 45% DTI只有11.5K, 只余下3.4K，应该是不够的。因此需要能
: qualify bonus and/or RSU.
|
|
