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– AAA Lendings HELOC – AAA Lendings Detail:



Standalone & Piggyback.

The HELOC program is Home Equity Line Of Credit.
Index + Margin. 30 Years term, 10 Yrs I/O Draw Period followed by 20 Years Amortization.

* Index: Prime Mortgage Rate floated with the market.
   Margin: Subject to loan scenarios, Margin Min. 1%, Fixed.
   Lifetime Max Rate: 18%.
   Lifetime Rate Floor: 2.5%.

Program Highlights

1) No Prepayment Penalty;
2) No Annual Fee;
3) Primary & Second home are eligible;
4) Max. HCLTV 85%;
5) Max. Loan Amount $350,000;
6) Min. FICO 680.

Income Guideline

★Piggybacks follow first lien requirements.
★Standalones: Most recent one month paystub + most recent year W2.
★Tax transcripts are required when using tax returns for qualifying purposes.

General Guideline

The source of Prime Mortgage Rate link:

★Max origination charge is “Max Point & Fee 5%”.

★$1.5m Max Combined Liens.
★Lifetime Max Rate: 18% or state maximum and lifetime rate floor 2.5%.
★Buy-up is ineligible .
★Buy-down ratio:1:3 (0.125 decreased on rate, 0.375 cost to price. max buy-down 1.000% in
★Second Home Purchase Transaction Ineligible currently

(1)Max DTI 43% for loan Limit <= $250,000| 34% for loan Limit > $250,000
(2) Note Rate + 2% P&I over 30 year amortization as the qualifying rate.
(3)Assets/Funds to Close/Reserves:
★Piggybacks: follow first lien requirements.
★Standalones: no asset verification is required if borrower is receiving cash-out (otherwise provide at least one month liquid asset statements showing sufficient funds to close)
(4)Mortgage late:0x30x24

Product detail pictures:

– AAA Lendings HELOC – AAA Lendings detail pictures

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We often stay with the principle "Quality Very first, Prestige Supreme". We have been fully committed to supplying our consumers with competitively priced high-quality goods, prompt delivery and skilled provider for – AAA Lendings HELOC – AAA Lendings , The product will supply to all over the world, such as: Cambodia, Birmingham, United Arab Emirates, We will supply much better products with diversified designs and professional services. We sincerely welcome friends from over the world to visit our company and cooperate with us on the basis of long-term and mutual benefits.
  • This company can be well to meet our needs on product quantity and delivery time, so we always choose them when we have procurement requirements.
    5 Stars By Moira from Riyadh - 2017.05.02 11:33
    This company conforms to the market requirement and joins in the market competition by its high quality product, this is an enterprise that have Chinese spirit.
    5 Stars By Amber from Bulgaria - 2018.06.12 16:22