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AAA LENDINGS takes pride in our community involvement and social responsibility. We believe that being a responsible lender means giving back to the communities we serve. Our team actively participates in charitable initiatives, supporting local causes, and promoting financial literacy. We're not just in the business of providing loans; we're invested in making a positive impact on the lives of our clients and the communities they call home. Top 10 Mortgage Refinance Companies , Mortgage Lender Certification , Conventional Loan Interest Rates , We understand that financial challenges can arise unexpectedly, and we're here to provide solutions when you need them most. In addition to traditional mortgage products, AAA LENDINGS offers a range of flexible loan programs that cater to unique financial situations. Whether you have a less-than-perfect credit score, are self-employed, or have unconventional income sources, we have loan options designed to meet your needs.
– AAA Lendings Non-QM Salary & Self-employed borrower Asset Program – True Stated Income – AAA Lendings Detail:

Title

Overview

Use borrower’s asset to qualify, borrower’s assets need to cover at least 6-month deposits of monthly income.

Details

1) No P&L Needed;
2) No WVOE Needed;
3) 12 months reserves calculated on PI (Not PITIA other lender required);
4) Gift funds allowed;
5) Loan amount up to $2.5M;
6) Purchase & No Cash out available.

What’s this program?

• Do you know how to use asset only to qualify for you house mortgage loan?
• Were you suspended or denied by the lender for a WVOE (Written Verification of Employment) program?
• Do you have not so much asset when you want to buy your own house?
• Didn’t your employer want to provide a WVOE form or cooperate?

If you have ever met the above situation, no worries, come to us and we will introduce a Non-QM program for you—-True Stated Income. The program is familiar with the {WVOE} program, it’s designed for salaried borrowers and self-employed borrowers. Non-QM loans have little such good programs that wage earners and business owners can both apply for.

How doe this program work?

Just like what the product name, this program is qualified with asset as well. See below:

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If the True Stated Income of this loan program is chosen, the borrower will only be required to provide an Asset Based Income on the Loan Application (1003). This income will be utilized to calculate qualifying debt to income ratio discussed in Section VIII of these guidelines.

Who can apply for this program?

As mentioned the above, whatever you’re salary borrower or self-employed borrower, you can apply for this program. If salary borrower, then no special documents are needed when you apply a new house mortgage loan of Non-QM with the lender. If self-employed borrower or 1099 borrower, you may need a simple CPA letter.

How doe this program work?

Just like what the product name, this program is qualified with asset as well. Unlike the other programs, we lender don’t need to prepare any special documents from the borrower. Just prepare normal bank statements when apply for your house mortgage loans, See below for your information:

Stated Income means the borrower states their Reasonable current income in the loan application. The lender will verify borrower’s monthly income can be supported by the “Liquid” assets pre-closing.

If the True Stated Income of this loan program is chosen, the borrower will only be required to provide an Asset Based Income on the Loan Application (1003). This income will be utilized to calculate qualifying debt to income ratio discussed in Section VIII of these guidelines.


Product detail pictures:

– AAA Lendings Non-QM Salary & Self-employed borrower Asset Program – True Stated Income – AAA Lendings detail pictures


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In the world of mortgage lending, accessibility is key. Our digital mortgage platform is designed with your convenience in mind. You can apply for a mortgage, upload documents, and track your loan progress online, all from the comfort of your home. We've created an engaging digital experience that puts you in control, ensuring that you can manage your mortgage application at your own pace, 24/7. – AAA Lendings Non-QM Salary & Self-employed borrower Asset Program – True Stated Income – AAA Lendings , The product will supply to all over the world, such as: Johor , Uzbekistan , Italy , If you have any requests, pls email Us with your detailed demands, we will give you the most wholesale Competitive Price with the Super Quality and the Unbeatable First-class Service ! We can give you the most competitive prices and high quality, because we are much more PROFESSIONAL! So please do not hesitate to contact us.
  • The company keeps to the operation concept scientific management, high quality and efficiency primacy, customer supreme, we have always maintained business cooperation. Work with you,we feel easy!
    5 Stars By Deirdre from Sudan - 2018.02.12 14:52
    The company has rich resources, advanced machinery, experienced workers and excellent services, hope you keep improving and perfecting your products and service, wish you better!
    5 Stars By Gabrielle from Libya - 2018.11.02 11:11