q******s
发帖数: 289 | 1 想打电话问几个agent比较一下，需要问哪些问题？
有没有这样的帖子可以推荐一下？完全没有经验的说，谢谢。
我想到的几个问题有；
1.多久可以close？（这个是最重要的吗？）
2, rate? （是不是各个agent给出来的都基本差不多？）
3. fee? (这个fee是付给loan agent的吗？包括那几项啊？还有大家说的什么no
point no fee指的是啥？）
4. 多久可以refinance？
5.提前还款有没有penalty？
还有哪些问题需要问清楚啊？请大家帮我补充一下啦，多谢多谢！
哦，现在一般是哪家做loan比较好和快啊？有朋友说CITI不太好？那Wells Fargo呢？
是要找broker吗？还是direct lender？区别在哪里呢？broker是把几个人的loan合并
在一起变成一个jumbo的，然后找银行要更低的rate吗? 那哪种可以close的快点呢？
同时也欢迎loan agent和我联系。 |
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b********2
发帖数: 5191 | 2 Jumbo loan 的rate的算法要比conforming复杂许多, 比如说所在county, FICO score(
740 和760的pricing不同), loan amount(1M以下 和1M 以上不同). 所以一般我不发布
jumbo loan的rate. 具体case具体quote比较准确.
很多lender都做 Jumbo loan pre-approval.
行: |
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t******i
发帖数: 2688 | 3 Jumbo loan, no point no fee, 7年arm最低可以做到2.875
Please call Lynn Meng at 408-416-8736 if interested or any question.
其他的具体请看：
下面都是no point no fee
Conforming Loan < 417K
5-yr ARM, 2.375
7-yr ARM, 2.625
15-yr fixed, 2.75
20-yr fixed, 3.25
30-yr fixed, 3.25
Super Conforming Loan 417K-625K
5-yr ARM, 2.5
7-yr ARM, 2.875
15-yr fixed, 2.875
30-yr fixed, 3.5
Jumbo Loan > 625K
5-yr ARM, 2.5
7-yr ARM, 2.875
15-yr fixed, 3.5
30-yr fixed, 3.75
Morgan Real Estate & Financial
Please call Lynn Meng at 408-416-87... 阅读全帖 |
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发帖数: 1 | 4 redfin 推荐的wells fargo 做loan可以吗？听说wells fargo的loan rate比其他的高
跟redfin的agent说能不能换load rate比较低的private banking，但是agent 说不建
议这么做。
请问用什么银行做loan比较好，能拿到比较低的rate |
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b********1
发帖数: 1299 | 5 确切的说conforming loan limit是424,100.
> 636,150是jumbo loan.
>424,100和<636,151是high balance conforming. DTI可以最多到49.9%.
jumbo loan的DTI一般是43%, 最大可以到55%. |
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F**********s
发帖数: 1231 | 6 个人经历，分享一下：
开始委托的是认识的老中。老中一个人做事，据说忙，拖了我两三星期也没进展；眼看
离close就两星期了，说可以要求推迟close；返点（1.５％）的钱说很难搞进loan里，
建议卖家降价，实在不行他想办法出９９或扣税的check（２０％）；银行当然是那个
超级变态的银行了（靠，忘名了）；说借的钱要是直系亲属的。。。；最关键的是利率
和fee是多少，一直没说个准数；答应回电话基本拖两天你追过去才说，＂哦，忘了，
忙啊。。。。＂
鉴于朋友当年被另一个同胞＂不好意思＂地锁错了利率（尼玛, 高0.375）的惨痛经历
；以及我拖不起事实，决定换。换的是个银行的老美agent（？没见过），他们办公室
在西崖图北门，好象没做过老外的生意，H１b都不明白。
说说感受吧
１。有助手，助手email，电话主动来催各项文件，比我自己还积极。
２。利率和我当时上网research的一致（和老中相同或者低0.125， 同等fee的条件下
）。
３。借downpay钱的证明信（gift letter）很简单搞定。
４。Buyer返回的钱搞定，没９９无扣税。
５。Agent是loan银行自己的，... 阅读全帖 |
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g*****r
发帖数: 57 | 7 See the real time quote chart posted in 西雅图贷款买房俱乐部
http://tikkera.com/project/Chart/4801/4340
The agent in the club can do 2.75% without out of pocket fees for this loan.
( Fees are offset by lender discount point. Some people call this no fees no
cost, but no fees no cost is not theoretically a correct name, because
there are cost and fees and lender pay discount points( also called lender
credit/rebate) which can cover these fees, you end up paying no fees out of
your pocket )
You can click on... 阅读全帖 |
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发帖数: 1 | 8 新人买房咨询：
帮做pre-approval letter 的mortgage officer 和 做loan的officer 必须要一个吗？
我可以选择自己喜欢的loan officer吗？
注：
1. 两个officer是同一家银行
2. pre-approval letter 的officer在 CA （原来住在CA）
3. loan officer 在WA （现在刚刚搬到WA） |
|
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l***e
发帖数: 421 | 9 有哪位xdjm申请过government loan 吗？我的loan agent 给我推荐了government loan
, interest 只有2.99%, fixed 15 years. 不知道申请这种loan 有什么tricky或者要
注意的地方吗？第一次买房心里没底.。。 |
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发帖数: 1 | 10 准备再买个房子。
目前居住的房子已经付清，市场价大致 500,000
买新房有两个Option a & b,
请分别报价，多谢!
1. Loan type: Primary Residence
2. Property type: Single Family House
3a. Property value (estimated): $450,000 4a. Loan amount: $300,000
3b. Property value (estimated): $700,000 4b. Loan amount: $550,000
5. Fico score: 770+
6. Desired loan term: 15 or 30 year fixed
8. Status: US citizen
9. Property Zip Code: 77077 |
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l*****m
发帖数: 98 | 11 Sorry, I can not write in Chinese. Can anyone give me a loan rate for buying
a House? Thank you very much!
1.Loan type: Primary
2. Property type: Single Family
3. Property value: 300K
4. Loan amount: 200K
5. FICO score (Credit score): Excellent
6. Desired loan term: 15 year fixed
7. Status: permanent resident
8. Property Zip Code: HOUSTON and nearby city. |
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A*********u
发帖数: 8976 | 12 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: jgca (Sunshine), 信区: SanFrancisco
标 题: Re: 在惠敏／金算子那儿做loan出问题的请进。
发信站: BBS 未名空间站 (Sun Mar 13 13:16:01 2011, 美东)
我想说说我的感受，我是2006年初买的房，我一同事是2005年底买的房，到2010年中我
们和大概4，5个loan agent做过多次refinance,每一次合作都还可以，以为broker的工
作作风都挺相似的。
上个月底我俩联系了惠敏，从那天起，惠敏成了我们的英雄加偶像，真的，从submit
loan doc开始，每一个step都让我们觉得无比贴心和感动，每一步都极大限度地为我们
考虑，还有整个团队工作效率极快还非常细心，总之给了我们一个非常惊喜的贷款经历
。以前经常有朋友问有没有好的loan agent推荐，想来想去很难说有特别突出的，从今
往后，我要对我所有的好朋友强烈推荐惠敏。
我在mitbbs潜水多年，以前看到过好多黑惠敏的帖子，所以每次看到惠敏的广告说有低
的利率，都不敢相信她，这一次... 阅读全帖 |
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x******g
发帖数: 319 | 13 Have anyone try this one?
So far, I found only the access group and GSLC can offer loans without a u.s
. citizen co-signer.
=====================================
Global Student Loan Corporation (GSLC). GSLC offers student loans for
international students that do not require a US citizen or permanent
resident to co-sign the loan. (A co-signer in the student's home country may
be required. Often this co-signer is the student's parent or guardian.)
GSLC works with financial institutions and banks l |
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m*********a
发帖数: 3299 | 14 US taxpayer loans GM 50 billions. 42 billions swaps into 61% of GM stocks
and remaining 8 billions as a loan with interest 7%. When GM returns 8
billions, the loan part is paid off in full with interest. Does tax payer
get back all the money? Not yet. It is not clear how much 61% stake of US
taxpayer in the new GM worths. It may worth less than 42 billions.
But it can not spin that news into a bad news for taxpayer like right wing
nuts. It is a good news no matter what. were this right wing nuts |
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l****z
发帖数: 29846 | 15 DC Proposes $1 Trillion Bailout for Delinquent Student Loans
by Ron Meyer & Celia Bigelow
A possible $1 trillion bailout is coming—and soon.
America’s now-nationalized student loan industry just reached a value of $1
trillion, according to Citigroup, growing at a 20 percent-per-year pace.
Since President Obama nationalized the industry (a tacked-on provision of
the Obamacare bill), tuition has gone up 25 percent and the three-year
default rate is at a record 13.4 percent.
With many young people ... 阅读全帖 |
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j*****g
发帖数: 463 | 16 1. 先到银行找好 Loan, 定个大致的 Loan amount, 让银行确认个 rate, 拿个
Prequalify.
2. 找到要买的那辆车，和 Dealer 谈好价钱，签下卖身契，purchase agreement.
3. 拿 Purchase agreenment 到银行做 paperwork, 银行给你开张支票.
4. 拿支票到 Dealer 那取车。
当然，1，2 顺序可以换一下，这样1，3可以并一起，但有 Loan prequalify 在手，就
多一个讲价的筹码。
张 |
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n******e
发帖数: 281 | 17 0. Make sure seller is legit, trusty and car is registered to him (check
current registration);
1. Ask for loan statement/account screenshot showing the payoff amount. Ask
for his loan bank name, account and phone number. He should call and let his
bank know you are paying off his loan. If you are not sure you can call and
directly mail the check to the bank too. Write the cashier's check for the
EXACT amount of the payoff, to the bank's name. Anything more you can pay
cash.
2. Meet seller. Give |
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w**********y
发帖数: 77 | 18 看上一个二手车，其他什么都挺好的，就是前车主还有loan没付清。她说如果我买了车，签个Notice
of Transfer and Release of Liability，车就归我了。等她拿了钱，把loan还请了，就有
pink slip,然后寄给我，然后我去上title。请问是这样么？ 那签那个release of liability
之后，上title之前，这个车算谁的？
此外，她说以后loan还是在她名字下，在她的ssn下，不会在我名字上。
我没找到相关网页，不知道有哪位能指点指点，谢谢。 |
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a******e
发帖数: 5411 | 19 in NY, owner can have the title when car has a loan.
title has a section for loan info (lien holder), basically the name of the
bank that lent you the loan. |
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y*****g
发帖数: 6223 | 20 loan不是titile。而是此车被loan过，你再上title时候需要出一个证明这个车已经还
清贷款。如此而已。
手续比较麻烦。
其他没了。我那个就是loan的以前，跑了5趟dmv。 |
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n*****u
发帖数: 198 | 21 一般的car loan提前付完会比按期付完省利息么？还是要看loan的term?
比如作了60个月的loan，所有的利息算完了平均到60个月。如果24个月付完了，是只要
付24个月的利息，还是60个月的利息已经都算在里面了 |
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n**t
发帖数: 606 | 22 经过近两个星期的调查研究，和dealer的讨价还价，准备买辆新车了。以前看到有人用
PenFed拿到很好的auto loan，<1% APR？不记得了。所以也去penfed的网站上看了一下
。需要先成为他们的会员才有资格申请car loan。倒也简单，donate个15/20刀就行了
。关键是，他们的auto loan真的不错吗？有用过的同学交流一下呗，你们都拿到什么
APR了?另外申请的时候需要注意什么吗？是在网上得到instant approval吗？
还有别的大银行会给比较好的APR吗？不是很想用dealer的financing。 |
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c***d
发帖数: 142 | 23 同事要回德国了，想买他的2003 Volkswagen Passat GLX
刚查了VIN，发现这个车在03年，07年的共有三次loan/lien records. 同事是11年从
dealer那儿买的这个车。他是第三个owner. 这个车以前曾属于租车公司。
我想问的是，这个车应该不会还欠别人钱吧？
A loan/lien is the legal right to take and hold or sell the vehicle of a
debtor as security or payment for a debt. Normally, a vehicle will have a
lien due to a loan or unpaid repair bill against the vehicle. Check with the
seller to ensure that the lien has been satisfied. |
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S****M
发帖数: 2198 | 24 第一点完全同意，BMW的residual一般都还不错
第二点，请仔细看原帖，对于loan我已经考虑了3年后车的残值。至于trade in的tax
benefit，能有2000刀不错了（35000*6.5%）。况且trade in肯定拿不到35K的价格，现
在dealer里面2011 335i的卖价也才30K出头。相比之下lease的return fee大概是500刀
的样子。
第三点，我觉得你说反了。绝大部分时候loan的special rate都要比lease的interest
rate低，而且loan你可以shop around，lease只此一家。不过我听说Lexus的lease APR
很低，所以也不排除个例。
65
toward |
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h***a
发帖数: 2720 | 26 http://www.marketwatch.com/story/honda-agrees-to-repay-24-milli
Honda Motor Co.’s auto finance unit will pay out $24 million in
compensation to minority borrowers after the federal government said the car
maker charged African-American, Hispanic and Asian borrowers higher
interest rates on car loans than it did for whites — even if their credit
was good.
The Consumer Financial Protection Bureau said Honda’s HMC, +1.32% past
practices resulted in thousands of African-American, Hispanic, and Asi... 阅读全帖 |
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n***a
发帖数: 40 | 27 这样啊，
那不买了，我问那个seller， 他这样说的：
I recently bought a truck and the man I bought it from had a loan. I paid
him and when the money was in his bank account he paid the loan off. Once
the loan was paid off we went to the DMV and transferred the title. The
process took about a day. But it all depends upon how fast the banks work.
怎么看怎么不靠谱 :(
算了还是去Dealer那里算了，至少不会上当受骗。 |
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x**o
发帖数: 134 | 28 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: xoxo (titan), 信区: SanFrancisco
标 题: loan needed for land purchase
发信站: BBS 未名空间站 (Thu Sep 25 00:15:27 2014, 美东)
Please drop me a message if you know somebody who can do loan for land
purchase,
or if you can do loan for land purchase.
Thanks |
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K****D
发帖数: 30533 | 29 欧怀疑是不是欧太弱质，不过偶一直以为foreclosure的那帮人只借了mortgage
loan而已，没有其他loan. 他们是因为付不起mortgage loan而被没收房子,
不存在什么抵押。 |
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t*******d
发帖数: 2570 | 30 Home equity = value of the home - unpaid balance of mortgage.
So when home value went up in the past few years while the unpaid mortgage
balance is decreasing, home equity is up. Aggressive people can take loan
using that equity as collateral to spend. Now home equity is mostly negative
and these people still need to pay back the home equity loan.
Yes, it is possible that someone can have both loans and most of them are
suffering now. |
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N********n
发帖数: 8363 | 31 On October 8, the New York Times wrote a story on the Federal Housing
Administration (F.H.A.) stating:
Many of the loans the F.H.A. insured in 2007 and last year are now
turning delinquent, agency officials acknowledge. The loans made in those
two years are performing “far worse” than newer loans, dragging down the
whole portfolio, Mr. Stevens of the F.H.A. said in an interview.
The number of F.H.A. mortgage holders in default is 410,916, up 76
percent from a year ago, when 232,864 |
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s******t
发帖数: 1956 | 32
你说的有道理。很多东西他可以虚报。不过他的credit history不是由他说了算的。他
欠了那样多钱，但Credit score并不差，所以我觉得他的情况确实应该是高收入高开销
的那种人。
这loan确实是几秒内卖光的。我是在上新loan之前几秒刷的屏，当时没有这个loan.我
再刷屏，它才出现了，当时已经90%funded, 我再刷屏，没了。 |
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t******i
发帖数: 2688 | 33 A busy real estate and mortgage broker has 2 job openings for loan processor
and office assistant:
*Good communication and computer/Internet skills.
*Self-motivated and responsible team player.
*Loan processing experience preferred for loan processor
*Chinese and English bilingual preferred for office assistant
*Competitive base pay plus bonus
Please email your resume to: [email protected]
/* */ for consideration.
Thank you. |
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s****e
发帖数: 175 | 34 有兴趣申请此职位的请Email你的Resume和cover letter到 r**[email protected]
To manage production line, processing, boarding and administration
operations and reports of the SBA Department
POSITION RESPONSIBILITIES .
Manage pipeline process and reports. Create and maintain deal files. Conduct
loan processor operations. Coordinate with Credit Department for loan
boarding and SBA loan administration. Manage process of SBA approvals under
the Banks CLP and PLP authority. Order 3rd party |
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s******e
发帖数: 63 | 35 just did an accurate calculation for 200K loan:)
worst case for 5ARM in 7 years=>5*5%+7%+9%
pay interest 77183.84, loan balance left 180549.85
30 fixed in 7 years=>7*6.25%
pay interest 83507.67, loan balance left 180067.18
5ARM is slightly better than 30 fixed in 7 years,
pay 6323.83 less interest with 482.67 more balance
if tax benefit is 1/3, save $1625 |
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F***Z
发帖数: 703 | 36 ☆─────────────────────────────────────☆
talk (talk) 于 (Wed Jun 29 21:00:45 2005) 提到:
发信人: talk (talk), 信区: SanFrancisco
标 题: bankrate.com上那些很低rate的loan有什么catch
发信站: BBS 未名空间站 (Wed Jun 29 21:00:39 2005), 转信
查了一下bankrate.com，30 year fixed jumbo loan, no points, no fee，很多
很低rate/APR的loan，比如
LENDER DATE RATE APR* POINTS LOCK EST. PAYM'T
Equistar Financial Corp
6/29 5.250 5.257 0.000/ 0.000 $2,484.92
Lowe's Mortgage
6/29 |
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c*******e
发帖数: 21 | 37 【 以下文字转载自 LosAngeles 讨论区 】
发信人: candymine (kim), 信区: LosAngeles
标 题: 朋友做loan modification被宰，怎么办
发信站: BBS 未名空间站 (Fri Oct 30 13:12:18 2009, 美东)
一个朋友最近刚做好loan mo, 还在交接中，11月就要trail了。 他的agent要他交7500的
commission. 我家前段时间做好了，agent只要2000块而以，是flat fee，他觉得差的
太多， 因
为我们的loan amount， house value这些情况都差不多。 只是他的agent不是要flat
fee,是
其他的计算方式。请问像他这种情况大家觉得怎么怎么办好？乖乖的交钱还是换agent?
他不知道现在
换还可不可以？好像已经签合同了。 |
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r*******8
发帖数: 449 | 38 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: reflash78 (haha), 信区: SanFrancisco
标 题: 两个loan的情况,大家看看,给点建议
发信站: BBS 未名空间站 (Thu Nov 5 11:50:47 2009, 美东)
一直和BOA做贷款conventional 30年的贷款,本来BOA已经说我们的loan没问题了,而且
RATE也lock了.但是在我
即将remove loan contingency 的时候突然说我贷款有问题,是移民身份问题.我就赶快
找下家做最后一搏,同时要求seller extend contingency. 找到了WF,那个新的lender
给我申请FHA 贷款,昨天告诉我应该明天可以下来.
昨晚BOA以前的lender打电话告诉我他们贷款特例批准了,我贷款没问题了. 顺便说一下
,第二家给我的offer比头家好许多.
现在如果两个同时批准,我有2选一的权利吗?放弃BOA的贷款会有什么PENALTY吗?
谢谢 |
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h*******g
发帖数: 205 | 39 我的mortgage officer说，如果我要0 point, 那就等于重新申请loan,还得重新走
underwriting。现在FannieMae的新规定是45%的debt ratio...我的刚好是49%，由于很
早就搞定了，就不受新规定的影响；但如果要0 point,因为周五要close, 他说根据法
律，我得等3 business days，而且我的loan根据新的45%的规定就不qualify了。。。
感觉很奇怪，我的这个应该属于existing loan吧。。。请大家帮忙分析看。谢！！ |
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m****t
发帖数: 2684 | 40 We had the same immigration status as you. And we had no problem to get a
loan. I think you need to ask your loan agent to explain it clearly to the
bank if you are not dealing directly with the bank. The loan agent is the
key here.
simple. |
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H**i
发帖数: 331 | 41 因为某些原因，COE推迟，loan broker也不给我一个具体的计划出来，觉得很不爽。感
觉还不如换个loan broker重新申请。
请问，需要赔偿loan broker损失吗？有什么影响？谢咯 |
|
C*****a
发帖数: 1025 | 42 最近开始看房,找了一个agent,她说一般做一个pre-approval比较方便点.我看她给我的
各种表格包括uniform residential loan application, borrowers' Certification
and Authorization, Mortgage load origination agreement, Notice to the home
loan applicant credit score information disclosure, Disclosure notices,
Request for Transcript of Tax return (4056-T), 还要提供一些其它文件象pay
stub, w-2表, H-1 approval notice和过去两年税表.因为这个地产经纪公司也做loan,
我怎么越看越象如果我在那些表格上签了字,就是同意在他们那里贷款了.我一个同事说
他当时办pre-approval时连credit score都没查.请问大家我如果在这些表格上签了字,
提供个那些document,是不是就有什么法律约 |
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H****g
发帖数: 236 | 43 大家好，
现在在准备loan，想在不同的银行去看看他们能给的最好的offer.可是这样的话好像每
一家都会run credit report，有loan inquiry. 这样的话是不是对我的credit 有影响
啊？其实我自己是打算用一家网上的银行，因为它的rate什么的会比较好些。但是我也
在local的银行那里主要了解了解这里面的东西，各种option什么的，如果和人当面说
的话总会更加清楚些。但是这样的话每个银行好像都要做一个loan inquiry。这样的话
有什么不好的后果吗？
谢谢！ |
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d*s
发帖数: 686 | 44 刚发现我们的agent也是loan broker，用同一个人做buyer agent和loan broker好不好？
loan broker我们可以顺便找吧？打算谁给的低找谁。
多谢 |
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h**********5
发帖数: 5355 | 45 remove loan contingency之前一定要有银行的formal approval吗？如果没有，万一
loan没有approve,会不会就麻烦了？ |
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c******t
发帖数: 192 | 46 第一次做refinance,loan agent告诉我们no point no fee,但是利率得loan approved
之后才能锁定，如果loan approved之后利率不满意，我们不想做了，哪些费用我们得
出呢？一般大家做no point no fee的refinance,是不是最终就是不用付任何费用呢？
谢谢！ |
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t********s
发帖数: 265 | 47 上周下了一个short-sale的offer,16万的普通townhouse,这一周从agent得知卖主要升
到17万，然后从FHA loan改为conventional loan，什么意思？ |
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c******l
发帖数: 502 | 48 If you can pay more down payment, go pay it. Other wise you can apply two
loan to avoide the jumbo loan. So you will get the lowest rate you can get,
and pay the second loan as earier as you can |
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w***t
发帖数: 8175 | 49 WASHINGTON (AP) -- After months of criticism that it hasn't done enough
to prevent foreclosures, the Obama administration is announcing a plan
to reduce the amount some troubled borrowers owe on their home loans.
The multifaceted effort will let people who owe more on their mortgages
than their properties are worth get new loans backed by the Federal
Housing Administration, a government agency that insures home loans
against default.
That would be funded by $14 billion from the administration's |
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k****n
发帖数: 1334 | 50 最近下了个offer，也接受了。downpayment 22%左右吧。然后整个大楼是09年刚
converted的，里面没有多少住户，然后找了还挺好的conventional loan agent，说不
能做loan，因为居住率太少，远低于发你妈的guideline，大银行都贷不了款。
所以只能找其他的专门做这个loan的银行，不知道有没有什么弊端啊。第一次买房，实
在是没经验。 |
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