San Diego-based HomePlus Mortgage says borrowers who can't provide tax returns can get a home loan if they provide proof of liquid assets worth millions of dollars. For applicants whose salary has dropped, lender and servicer Stonegate Mortgage Corp., based in Indianapolis, says it can use part of their liquid assets, like a brokerage account, as collateral for the loan.
圣地亚哥的HomePlus Mortgage说,借款人如果无法提供纳税申报表,但可以证明拥有价值数百万美元的流动资产,他们是可以贷到房贷的。印第安纳波利斯的贷款与服务商Stonegate Mortgage Corp.说,对于申请人薪资收入下降的情况,该公司可以将他们的部分流动资产(如证券账户资金)用作贷款抵押物。
Having to post collateral is one potentially onerous requirement that few traditional buyers face. It can be a big enough pain that borrowers might be better off paying cash outright. Here are three factors to consider.
提交抵押物这个要求可能会让借款人感觉很麻烦,当然一般买房人是不需要这样做的。其麻烦程序也许会让借款人干脆选择全款买房。以下是三个需要考虑的方面。
-- Do other terms change? When a borrower doesn't meet traditional lending requirements, lenders sometimes ask for bigger down payments of up to 40%. Lenders might also charge a higher interest rate or eliminate a fixed-rate option on these loans.
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