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best magazine for ias preparation for a shortfall in down payment money or earned equity. Besides these options, there is one additional and very effective tool for bridging the gap when the LTV ratio is running too high: My father has often said that the difference between being able to do a loan and not being able to do a loan is generally our fee. And there was a time when that was too often the case. Well, we at California Private Money Loan have made a conscious policy decision to not let that happen ever again. Based on the premise that a dollar tomorrow is better than no dollars today, pratiyogita darpan pdf, we have decided to carry some or all of our fee (as a small second) any time that this is necessary to make an otherwise good loan fit our LTV criteria. This is no small thing, as our fee generally runs 4% of the gross loan amount, and our originating broker (when involved in a transaction) charge anywhere from 1-5% for their part in the loan process; so with combined fees ranging from 5-10% (I never claimed that private money was cheap; I said that it is fast and flexible), and assuming broker cooperation, we are able to stretch 75% LTV to as high as 85% LTV pratiyogita darpan in hindi.
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