b**2
发帖数: 519 | 1 $116K最后只能拿到5K,挺惨的,不过2nd能拿到钱就不错了.
lender(etrade) $116,000.
个lender（etrade）$5000 |
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f****i
发帖数: 20252 | 2 这事儿主要是烦listing agent，跟你没关系
lender(etrade) $116,000.
个lender（etrade）$5000 |
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h***b
发帖数: 1233 | 3 对Chase来讲，花$5000是去 bribe etrade，希望得到他的配合
对etrade来讲，开口要$34k 是要 blackmail Chase... :p
你这 short sale 可能会拖蛮久的。你们作为买家，也打算贡献一些来促成这交易？
最主要还是看看房子到底值不值 $530k
lender(etrade) $116,000.
个lender（etrade）$5000 |
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H*********g
发帖数: 217 | 4 不能给lender 写信.lender 只认FICO |
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f*******e
发帖数: 1300 | 5 在申请贷款的过程中， lender只告诉了一个appraisal的价格，请问lender的
appraisal report 有什么用吗？马上就要close. |
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s**********a
发帖数: 3273 | 6 新房子，builder 说如果用他们的 lender可以给10K closing credit. 但是不知道
他们的 rate 如何。一般这种lender的rate会好一些还是差一些？ |
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q****6
发帖数: 837 | 7 A lender can make $6000 out of one finance or refinance deal. This is crazy.
Need to think about quitting the job and start getting a license to be
lender. Even $2000 a deal is very very good income. |
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G*********2
发帖数: 208 | 8 知道ss一般要比较长时间approval, 但是是不是还是先联系好attorney和inspector？
这样一旦lender approval, 就可以做下一步了。 不知道等lender approval了以后再
找， 会不会时间太紧。
新手第一次买房， 望指教。 谢谢 |
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j*******0
发帖数: 347 | 9 mortgage broker works as intermediary between consumers ( you and other
buyers) and lenders ( Wells Fargo, Chase, Flagstar, etc.).
In the competitive market, mortgage brokers originate more loan than lenders
who use retail channel to get customers.
The rates you get from Wells Fargo directly typically will not be the same
as what you get from mortgage brokers who also originate Wells Fargo
products.
So, if you do not ask for mortgage brokers, you miss a lot of change,
especially in the big state... 阅读全帖 |
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b*******y
发帖数: 33 | 10 Broker帮我们找好了lender，下午刚递出去去underwrite。晚上上网查发现这家bank虽
大， 但风评不好，2月份还被sue了。Broker当时同我解释说这家公司服务有效率rate
好云云。 现在担心以后同这家银行打交道会不会有麻烦。看到班上讲的都是rate，具
体到某个lender的选择重要吗？如果是的话，现在还能换吗？ 多谢。 |
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b********2
发帖数: 5191 | 11 对purchase loan来说, lender最主要. refinance来说, rate可以放在第一位.
相对于rate和lender, 找一个靠谱的broker/agent最重要 |
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p******y
发帖数: 3523 | 12 rate和lender收费比较重要，当然，purchase最重要的还是能够按时closing。不用担
心lender会不会倒，即便倒了也不会影响LZ的rate和mortgage。 |
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k******o
发帖数: 3328 | 13 Two point: if the lender is very picky (i.e PF Funding), the rate is better
(even though the mortgage broker might get hige commission). For the same
lender, if your loan company has volumn, the agent might pass this
additional incentive to borrower.
As long as this is no cost loan, you don't need to care about GFE since this
is just estimation (to higher).
740( |
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n*******9
发帖数: 3244 | 14 why don't they agree to lower the price? they will pay less tax by doing so.
the listing agent had done nothing wrong here if you asked for credit.
your agent should tell you this. high amount credit for repairing is a big
red flag to buyer's lender. since your lender hasn't reject your loan app
yet, talk to the other side and find a way to lower the price. in case that
they give you hard time for that, write an addendum and change that credit
into pre-payment to be withhold at escrow for repai... 阅读全帖 |
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a******o
发帖数: 1197 | 15 说是lender大都是从两房拿的同一个rate，所以低的rate是有问题。这个lender给的
rate(3.99)明显高于其他的(3.625） |
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j*******0
发帖数: 347 | 16 this depends on lenders. Recently lenders are allowed to credit prepay but
they are not obligated to do it. |
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a******o
发帖数: 1197 | 17 insurance agent 给估了一个coverage ￥281，000，appraisal是$375000左右。但
lender说是要cover贷款，也就是$380,000.然后agent说：
however your lender only requires a certificate from us stating that the
home is insured for '100% Replacement Cost' coverage and we will provide it.
怎么回事？ |
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a******o
发帖数: 1197 | 18 I found this. It seems consistent with my insurance agent's words. But I'm
not sure if it applies to other states:
Fannie Mae Requirements
The Department received written confirmation that Fannie Mae does not
require the homeowner's insurance policy amount to be equal to the loan
amount. Fannie Mae's guidelines for determining the amount of hazard
insurance coverage are set forth in the Fannie Mae Selling and Servicing
Guides. For any first lien mortgage (excluding a reverse mortgage), required
... 阅读全帖 |
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P********t
发帖数: 42 | 19 正在找mortgage loan, 网上看到许多：
Listed at http://www.bankrate.com, many online lenders show lower rates than those of local banks, such as Seckel Capital, EPIC, GCM, ArmLoan.com, etc
不知这些lender是不是靠谱。 有人用过吗？请介绍一下经验。 |
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I**C
发帖数: 1121 | 20 最近看房出offer时，经常被要求出示lender的pre-approval letter，有几个问题请教
一下。
1.想开一张能证明自己贷款上限的pre-approval letter，这样就省得每个房子都得开
一次，影响credit score。不知道这样好不好？
2.贷款额各个银行不一样，是不是最好找利率好的银行开？但是，在被银行check
credit score之前，怎么知道哪家给的利率好呢？
3.lender pre-approval letter是不是只能银行出？我的agent说他们公司也能连到银
行网络，出示同样的approval letter（也需要check credit）。像这种letter，跟银
行的具有同样的效力吗？听说银行的letter有3个月的有效期，是不是loan agent的这
种letter也有同样有效期？
4. bank statement里有一笔国内的wire transfer，在做pre-approval letter的时候
，银行会要求出示gift letter吗？还是在最后贷款时才需要？
5. 最后一个问题，银行的pre-approval ... 阅读全帖 |
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b********2
发帖数: 5191 | 21 在没有take impound的情况下, 如果lender rebate在付过所有的closing cost后还有
剩余, 可以用来做为principal reduction, 有的lender称为principal curtailment.
这个reduction一般是在付了一个月的payment之后才反映在principal上.
Principal curtailment is shown as a charge on the closing statement,
that's because it's used to offset the rebate. If you remove it from the
closing statement, the charge and credit column won't get balance.
- |
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x***n
发帖数: 50 | 22 要锁利率了。收到loan officer的interest rate lock agreement form，只注明了15
年，2.875%, no point。 没有提到他答应的lender credit $500. 请问一下，是否他
也应该把这个lender credit $500写在interest rate lock agreement 上呢？知道的
同学请告知一下，谢谢了。 |
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p******y
发帖数: 3523 | 23 正常呀，银行对cash deposit一向都很敏感。
如果是自住房，lender同意的情况下，可以将现金部分deduct掉，如果钱不够，就像亲
朋好友借钱，当作gift来close。如果lender不同意的话，就只有废掉这个statement，
看看别的statement上还有多少银子了。另外，如果数目不大，几百或一两千，可以说
是yard sale。如果数目比较大，比如上万，那么没啥好的理由让人接受了。从国内带
过来的cash，基本有国内换汇记录，数目也对得上，都无法说明存的1000就是那换出来
的1000。 |
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m*****n
发帖数: 314 | 24 多找几家broker和lender询问一下rate,这样你心里大概有个底,然后跟现在的lender说
,别家能offer更好的利率,看他们是不是同样能做到. |
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k*z
发帖数: 4704 | 25 从来没要过。都是跟lender打交道，看lender的GFE. |
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w******t
发帖数: 16937 | 26 给你的title company或者过户律师打电话要final HUD。
从来没要过。都是跟lender打交道，看lender的GFE. |
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p******y
发帖数: 3523 | 27 lender credit 没有一定之规，如果能拿到1.5% loan amount已经非常不错了。
homeowner insurance确实需要在closing前paid in full一年，不过，没有规定不可以
跟车一起买。但不能closing之前不买，等到未来跟车一起买。
即便，日后换保险公司，通知一下当时做service的lender就可以了。 |
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X*******o
发帖数: 1587 | 28 昨天在版上贴的房子请大家给意见的，最后出30w的offer被接受了！今天一大早agent
通知的，然后说我们有5天时间找lender，我还没睡醒。。。不是先做inspection吗？5
天之内找lender，最近利率这么高，疑惑了。。。 |
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b**b
发帖数: 152 | 29 今天lender给的30年fix rate 3.75, 我自己查boa和wells fargo的都是3.625啊，大
家觉得我这个lender是不是rate太高了？
多谢！ |
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b********2
发帖数: 5191 | 30 您老不会真的是签了合同5天还不找lender吧, 我要是您agent,会急死的. lender应该
在递offer之前就差不多要定下来了. 至少我都是这样建议我的client的.
您的agent只要是按合同来给您建议, 已经是为您着想了, 不然到时seller可是不管那
么多. 您要是seller, 当buyer不按合同做事的时候, 您会怎么做? |
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r******d
发帖数: 1879 | 31 You have to disclose to lender because ALL the lenders will do the VOE
before funding.
If you quit the job before funding, your loan can not be funded till you
present offer letter plus two new paycheck stubs, which will make you have
at least one month delay.
Did you already remove the contingency? If you did, you might loose your
deposit. |
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C******9
发帖数: 122 | 32 lender是个大broker公司，利率不是最低的，二月中给GFE，看着公司的名头就从了。
号称给28天lock,但之后无数次电话email要lock，都被broker说服。理由包括，他通常
只在closing 前7-10天才锁，最近的fiscal cliff会使利率下降，等等。所以我们就在
他的一再说服下float了三个星期，外面的avg利率其间下降过，问他他说没变化。
总之离closing只两个星期了，他还是没动静，昨天问他，他回答，嗯，利率上升了，
现在你们lock吧。。。
比当初涨了0.125%，但是从来文件上就老出错，电话老打不通，给的transaction
summary estimate等文件上closing costs 莫名其妙比他当初的quote多一千多块。问
他怎么算的，他说等到实际closing时会和当初他说的差不离。。。
想知道是不是被忽悠了，而且这个closing costs的事也烦人，是不是到最后closing那
天他都能弄出新的情况来？要是那时文件上多出千多块closing costs能拒签吗？还是
现在想法换lender得了？
求教！ |
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H******e
发帖数: 767 | 33 It is too late to change the lender. You don't want to screw the deal by
adding more uncertainty. the best thing you can do is to use the same lender
to close the deal, and do a no cost refinance after 6 months. |
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n*******9
发帖数: 3244 | 34 what state are you in for the short sale approval? approved and ready for
closing? if so, you don't have enough time to do anything else, but working
with this lender to get it closed. if you don't like the current rate, try
to do a refi later on. only if you don't want this deal any more, can you
try to change lender now. |
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c******6
发帖数: 163 | 35 刚从lender broker拿到我们的co-op贷款的application form， 上面竟然Title
service and lender's title insurance 要近$3k。是不是太多了，还是co-op贷款都
那么多？ |
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p******y
发帖数: 3523 | 36 关于Title service and lender's title insurance的确切报价需要向律师要，如果是
自己找title公司的话，以title公司的报价为准。一般来说，title公司都不是lender
找的。 |
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l******e
发帖数: 1875 | 37 Appraisal报告上曾显示根据一个信息源的信息该房子显示不在洪灾区，但
escrow最后给的closing的合同里专门提到lender不知道从几个信息源看是否该房在
flood区，如
果以后发现是，buyer以后要负担flood保险。这种说法正常否？
感觉这个不是该在closing之前有人负责去查的么，怎么lender不查不问，把风险全给
buyer了？ |
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I******A
发帖数: 426 | 38 Lender会在贷款Funding之前打电话给你现在的employer,确认你的工作状态.---银行称
之为VVOE.
Note: VVOE is a process where mortgage lenders and financial institutions
verbally confirm a loan applicant’s employment status as stated on the loan
application.
希望对你有所帮助! |
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l****i
发帖数: 172 | 39 lender approved price，是不是如果砍价，就得从新报给lender从新approve？这个
price一般有多大的砍价空间。。
不大懂short sale，谢谢！ |
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n****e
发帖数: 1403 | 40 俺下的offer有三个lender。不过，这三个lenders是Bank of america的三个不同的部
门。据说，是short-sale里最好办的。哈
tw
see |
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o****d
发帖数: 1346 | 41 是比较麻烦，我的也是两个lender，即使是pre-proved short sale.但两个lender还在
为怎么分钱扯皮，已经等三个星期了.
你这种做好6个月的准备。 |
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u**o
发帖数: 4652 | 42 我一个LENDER给了个GFE
另一个LENDER给了个PRELIMINARY ESTIMATE（上面声称不是GFE） |
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I******A
发帖数: 426 | 43 多找几个lender或broker问一下,主要比较以下几个方面:
1.问interest rate.
2.让broker or lender帮你出一个GFE,估算一下closing cost.
3.是否charge point?
4.问大概多久能贷下来?
基本上需要问的就是这些信息,希望对你有所帮助! |
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s****a
发帖数: 9912 | 44 BROKER说所有的LENDER都要TERMITE CLEARANCE,
换LENDER也不行，三个门上有DRY ROT都是WATER DAMAGE啊 |
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H******e
发帖数: 767 | 45 You are wrong, your lender is right.
Your adjusted origination charges=-3008.28+640=-2368.28 (your credit from
lender)
Your other cost is 20+18+1076.3+113.68=1227.98.
So the net credit (cash) to you=2368.28-1227.98=1140.3. |
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c***5
发帖数: 134 | 46 是这样的：
Lender给你的Credit是1141没有错，你的Loan Agent用这其中的640付了你的Appraisal
,所以剩下的500是你拿到手的Credit.
你的理解或许是Lender的1141 都给你，然后Loan Agent再还你640，但Loan Agent不是
这么计算的。 |
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p****j
发帖数: 4762 | 47 我看大家都有找lender要rebate或者一些credit,我跟lender email了，结果对方说：
Unfortunately due to fair lending laws it is prohibited to waive fees for
one client and not others. Our fees are kept to pretty much our hard costs
such as Doc Prep Attorney and Closing fee. The Underwriting fee and
Processing fee covers the salaries for me, the processor, underwriter as
well as the cost that we have to pay for each and every verification from
the IRS, SS Admin, your employer, your bank… Each entity charges fees for
the ve... 阅读全帖 |
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H******e
发帖数: 767 | 48 Always shop for the loans, from at least 3 lenders. Ask them to give you
options for the rates of no cost no point, or with lender credit. |
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o*****p
发帖数: 5952 | 49 我们就是direct lender, 加州可以直接找我们。
lender |
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b********r
发帖数: 236 | 50 看了zillow上的lender review都不错，但是不知道这些Lender可靠不可靠.有用过的给
科普一下,有没有要注意的事项? |
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