Bank of Hawaii Wholesale

Thông tin cơ bản

Chương trình QM

• Conventional
• Home Ready

Loss payee

First Mortgagee Clause to read as follows: For All Perils Bank of Hawaii ISAOA PO Box 5000 Carmel, IN 46082 Loan Number: _________________ Home Equity Lines of Credit: Bank of Hawaii Bankoh Loan Center – HECL Insurance P.O. Box 2715 Honolulu, HI 96803-2715 Loan Number: __________________ Flood Insurance: Bank of Hawaii Home Equity Insurance P.O. Box 135009 Honolulu, HI 96801-5009 Loan Number: __________________

Điều khoản CPL hoặc subordinate

Không có

Chính sách khóa lãi & phí

Chính sách khóa lãi

Gia hạn khóa lãi

Lock cut-off is Hawaii Standard Time Midnight (2:00am PST next day) Extension Policy To extend a lock it will cost 0.125% to fees per 7 days. Max of 4 extensions (0.50% to fee) Please enter any extension requests through the Encompass TPO Portal. Locks must be extended prior to the expiration date.

Khóa lại

Higher of pricing, unless 30 days has passed.

Lock & Shop

Có

Thế mạnh & overlay của lender

Thế mạnh của lender

**This lender only lends in Hawaii and to loan officers physically located in Hawaii.**

Saleable: Fannie Mae Conventional Fixed rates and ARMs

Portfolio Loans:

1. Fixed rates and ARMs
2. Jumbo loans to $4,000,000
3. Condotels, Co-Ops, Non-warrantable condos
4. 100% LTV for Owner Occupant Purchase to $1MM
5. New Projects / Fee Purchase
6. HELOC's
7. Non-conforming properties
8. Leasehold properties
9. Vesting in LLC, Partnerships, Corporations, and Trusts
10. Construction / Permanent
    
11. Foreign and Canadian Borrowers

Portfolio products, set up a meeting to discuss

Allow lender credit to cover BPC.

Overlay của lender

Max DTI 45%

Student loans (deferred) 2% payment of unpaid balance

Full Kitchen required - sink, oven with four burners, and full-sized fridge

Thời gian xử lý

Thẩm định ban đầu (ngày)

3

Xét điều kiện CTC (ngày)

3

CD ban đầu (ngày)

3

Đánh giá