p****e
发帖数: 19 | 1 哦，如果是equity loan，要我当然先refi掉。那可不是一般的高，你而且还要买loan
insurance。这refi一下能省不少钱呢。而且少了个loan以后攒downpay会快好多，是不
是？
至于买房子，那没办法，只能等几年攒到downpay再说。房价这几年不会大涨。但唯一
的缺点就是可能到时候利率会比现在高。所以，你们只能自己决定了。要么refi省钱，
过几年再住新房；要么现在买新房子背个高利率的equity loan。不过这年头稳当点好
，２个coventional loan毕竟压力小一点，住新房子又不在乎这一两年。
有3 |
|
i*******k
发帖数: 366 | 2 short sale里，inspection, loan application应该在银行approve之前还是之后做？我
agent对short sale没有什么经验，她说我们应该在银行approve之前、尽快做。
我提出在合同里加一条，buyer在银行approve之后再做inspection和loan。我agent说
对方肯定
不同意，因为如果银行approve了，我们loan没申请下来，seller损失掉marketing时间
。还说
short sale就是不protect buyer，但buyer's benefit是买到便宜房子。
可是我在版上看到很多人说short sale buyer可以随时walk away呀。但我们这里只在
short
sale addendum里有一条，如果xx日期之后银行还没有批，买卖双方可以终止合同。但
是在这之前，
我们只能靠inspection contingency，loan contingency walk away。
可是我都不知道银行批不批，怎么去做inspection和loan呢？等我做了，银行说不批，
我不是又损失
钱又损失时 |
|
c**********r
发帖数: 72 | 3 thanks! i got the answer from my company benefit center.
1. min loan is 1,000, max is 50% of your own vested. :(, cannot get loan
from the company match and pension portion. 555. I didn't invest much.
2. rate is 1% + wall street journal prime rate at the month end of loan
close.
3. payback is deducted from paycheck.
4. if by any means employment is terminated, either pay back loan once or
keep sending check to 401k brokage company. if payment stops, the case is
considered as 401k cash out wh... 阅读全帖 |
|
s****e
发帖数: 282 | 4 前些天找了一个loan agent，签了loan agent寄来的申请表，已经把申请表和我个人的
资料寄给loan agent，loan agent也check了我的credit score，但是还没lock rate.
我可以换loan agent吗？对我的credit score有影响吗？谢谢。 |
|
s****e
发帖数: 282 | 5 今天收到了bank寄来的“Loan Application Acknowledgment"，好像loan agent已经把
Loan Application递上去了，但是我还没同意lock rate. 这是为什么？先递Loan
Application，再lock rate吗？我如果换loan agent有问题吗？谢谢。 |
|
Z*********I
发帖数: 176 | 6 我也一直很confused. 让broker把两种loan最后的monthly payment 给列了出来，好像
FHA更划算似的。
Conv Loan
Sp – 271,600
La – 258,020
Rate – 4.750 – 30 yr conv fixed rate
Prin and Int – 1345.95
Taxes and home owner’s ins – 333.00 – estimate only
Mortgage Ins -- 167.71 --- estimate only
Total – 1846.66
FHA Loan
Sp – 271,600
La – 263,825.45 – this includes the upfront pmi fee for FHA
Rate – 4.500 – FHA 30 yr fixed rate loan
Prin and Int – 1336.77
Taxes and Ins – 333.00 – est only
PMI – 120.92 – est only
Total – 1790.69 |
|
d******t
发帖数: 1242 | 7 可不可以科普一下前提会不会是你的balance还挺高的情况底下才比较有利？loan
amount少的话，下一个买家不一定能负担以后卖价和loan amount的差价的downpayment
？如果整个2nd loan的话还是有难度，是不是？
比如果卖的时候还剩10万principal 在loan里面了，房子要卖50万,买家只有5万首付，
这情况不能assume那10万吧？ |
|
d******n
发帖数: 2712 | 8 因为我们不做FHA loan，没有具体研究过。rate上应该差的不多，印象中是FHA loan的
rate高点儿有限。不过，最近市场动荡，也许FHA loan的rate受市场影响小，或者相对
滞后。
另外，FHA loan的assume也不是无条件的，下家也得有资格申请到贷款才有可能assume
原来的贷款。 |
|
s********d
发帖数: 2216 | 9 你的 agent 估计很久没做过 FHA loan 的
给的 FHA estimate 是按几个月前 guideline 算的，10 月开始有新的 guideline。
FHA 的话，有 1% UFMIP（upfront fee），也就是多了 2580，加到 loan amount 里了
。但是月供比 conventional 低 25 块左右， 大概 5 年才能 breakeven 这个cost。
而且 FHA 的 MIP 有 5 年要求，如果一两年内有余钱付 principle，conventional 是
更好的选择。
如果房价利率都跌，你还是可以 refinance FHA loan。 Conventional loan 要 refi
的话需要 appraisal， 如果underwater，还要再贴钱进去才能 refi。 |
|
t**********j
发帖数: 382 | 10 FHA loan:
Condo Project must be approved by HUD. The lender can check it out for you
if you give them the Project's name.
Down payment--3.5%, If you would like to save 6.5% for upgrading or other
expenses, it is a good choice.
For 3.5% Down payment, Up front Mortgage insurance is 1% of your loan amount
. Annual Mortgage Insurance premium is 0.9% of the loan amount.
The Rate is better for FHA loan. Today's rate is 4.75% for Credit score 640
or above, no point and lender can pay the upfront Mortga... 阅读全帖 |
|
d******n
发帖数: 2712 | 11 我们是correspondent lender，所以比较少称自己为broker，因为大部分我们做的loan
都不是broker loan。是我们自己的warehouse先拿钱出来funding，之后transfer
service给大银行，如Wells Fargo等。赚钱是靠transfer service。而broker loan是
lender出钱funding，拿lender pay的broker fee。
还有一个区别就是，broker是把loan送到lender的in-house去批，我们有自己的
underwriter，loan是自己批的，underwriting的时间有保证，很容易跟underwriter沟
通。 |
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d******n
发帖数: 2712 | 12 没错，教导LZ做两个loan的，实际上未必拿得下来第二个loan的。目前，2nd很难批下
来的。
15年固定，就算是high balance，rate怎么都不会超过4%，如果rate是5.39%的话，那
岂不是高太多了？每月多交300多刀呢，按LZ的loan amount，mortgage insurance每月
也不会超过300刀吧，就算稍微多些，等loan amount降到房子买价的78%的时候，
mortgage insurance就自动取消了。
就算很无奈，LZ那个地方的417K以上的loan就算是jumbo了，还是有其他银行可选的，
15年的rate也就是4%，或者稍高一点。
建议LZ再找其他可行方案吧。 |
|
t********6
发帖数: 1728 | 13 看中了一个Condo, 这个builder指定了一家银行做贷款，而且builder还有一个这个银
行的loan officer A 帮助做贷款。
上个月签了purchase contract, 交了initial deposit, 然后准备做贷款。当时联系了
loan officer A, 可能他很忙，没有怎么答理我，就找了同一家银行的另外一个loan
officer B, 交了大部分材料，前两天Good Faith Estimate 也发过来了，一切都还行
，只是给得credit太少了。
最近 A 又联系我了，询问贷款的事情，而且可以给比B更多的credits. 现在我主要的
担心是:
为了贷款审批通过(另外A可能给的credit多些)，自己觉得和A做可能好一些，因为A和
Builder的联系和关系更紧密，可能更有灵活性。可是和B已经来来回回交流了几次，觉
得B还行，而且材料都快全了，突然不和B做了，觉得似乎不大好。而且B和A都是一家银
行，万一让B知道了这些，怕对我贷款不利。
另外还有一个贷款问题，为了付20%首付+closing cost, 刚从 retirement plan ... 阅读全帖 |
|
s*******t
发帖数: 7746 | 14 我和老公都是H1b过期了，485 pending，有EAD卡。正在申请Provident Funding的loan
。前几天发帖问版上的牛人们这种情况能不能申请到loan，大家回复都说不行。我的
broker说她去年做过两个一样的情况的case，都行。她和underwritter解释我们现在这
种情况属于正常的green card application process, have EAD, legal to work and
stay in the US etc. 今天broker和我确认，我们的loan已经送到PF的corporation
review,ID approved了，所以没绿卡没H1b一样可以申请到PF的loan，broker要有经验
和underwriter解释就行啦。有相似情况的xdjm也可以申请loan啦。 |
|
d******n
发帖数: 2712 | 15 任何情况下pay off一个loan都会有类似手续费的。这是旧loan的费用，不是新loan的
。refi的agent不cover这个费用不出奇。
旧loan被pay off之后，旧的银行要去county注销之前的登记的，收钱也是合理的呀。
loan |
|
C*****a
发帖数: 1025 | 16 My agent told me that our loan got fully approved and it is time to remove
loan contingency. On the original contract, we agreed to remove loan
contingency in 14 days, and it's been more than 3 weeks since we signed the
contract.
Since we are first time buyer, we want to know what to look for before we
remove the loan contingency. Some online posts suggest not to remove loan
contingency before close of escrow, but I am not sure whether that is a
common practice or not. I am in California.
Any co... 阅读全帖 |
|
m*******d
发帖数: 274 | 17 Hi, we are about signing a contract for a house. This house had an illegal
deck. The seller applied variance for the deck, and variance is approved
last week. Now building department will issue C.O. paperwork for this deck,
will take several weeks. The contract has a term of 30 days loan commitment.
I am wondering if loan application can only be started after this deck
receives final CO paper for the deck. Then we cannot have this commitment of
loan within 30 days, as CO paperwork might be done ... 阅读全帖 |
|
H******d
发帖数: 176 | 18 急问：loan contingency大家都是几天remove的？purchase agreement里的loan
contingency removal的条款有：
(i) within 17 days, remove loan contigency;
(ii) or the loan contingency shall remain in effect until designated loans
are funded.
大家下offer的时候都是选的哪一项？我对自己贷款有信心，但是想要好好保护自己，
怕万一有问题和纠纷不能backout,所以我先(ii).但是我的agent极力说服我用(i),说用
(ii)我拿不到房子。大家看呢？
房子我挺想要的。谢谢！ |
|
f****i
发帖数: 20252 | 19 还是不合格
http://www.myfico.com/crediteducation/creditinquiries.aspx
What to know about "rate shopping."
Looking for a mortgage, auto or student loan may cause multiple lenders to
request your credit report, even though you are only looking for one loan.
To compensate for this, the score ignores mortgage, auto, and student loan
inquiries made in the 30 days prior to scoring. So, if you find a loan
within 30 days, the inquiries won't affect your score while you're rate
shopping. In addition, the scor... 阅读全帖 |
|
L**P
发帖数: 3792 | 20 如果你很喜欢这个房子，很想马上搞定，当然可以同时进行的，而且loan越早越好，最
慢的就是loan，其他inspection很快搞定
inspection出房子的大问题，你可以退出，小问题可以协商解决，也可以自己解决
loan appraisal出问题，你可以退出，可以协商解决，也可以自己补钱搞定
一般人认为要先inspection再申请loan，inspection之后协商一次，loanappraisal之
后再协商一次，这样做是一步一个脚印，但是实践的时候，会发现还不如一次把所有东
西都一次协商。一个注意地方是，要和agent协调好，虽然要早开始loan的过程，但是
提醒不要charge你任何钱，其实也就是appraisal的费用，要hold on appraisal在
inspection之后 |
|
r******d
发帖数: 1879 | 21 1. The lender credits can be used into the escrow accout, interest and
property tax. All the lenders can do it. It is approved by lenders not by
agent. that is why many customers wanna use escrow account for more lender
rebate.
2. Unless your seller is OK to give you more extension, otherwise 20 days
will be too short to close the new purchase, even it is dorable but there
will be alot risk. Plus the rate is getting worse now. If you can not close
on time, you might loose the appraisal fee and s... 阅读全帖 |
|
z****j
发帖数: 63 | 22 买新房，用的是builder自己公司的loan，给3000 closing credit,再送update大约也
值3000。
第一次给我loan rate quote了3.25%,签协议的时候变成了3.375%,做GFE的时候又变成
了3.5%。我感觉是先用低利率吸引我，然后再再慢慢往上加的样子。
当然最终的rate要到closing之前lock。到那时我还可以选择用还是不用他们的loan。
但我担心到时候再给我涨，我也没办法知道到底是市场上的利率在涨，还是其故意为之
，到时候把我的loan转卖了再赚钱。
想请教各位，从现在到closing大约几个月的时间里面可以做什么事情.
1.找各家银行quote，再比较closing credit和rate？
2.还是先从了(如果rate还是这个水平)，然后过2年再refinance？
还有就是，像这样的builder的loan company, 如果他将来报给我一个rate,我能不能
assume这个rate是我信用分数对应的市场平均rate,还是说他们会玩什么trick。这个能
够negotiate么？ |
|
p******y
发帖数: 3523 | 23 如果两个loan加起来占房子价值的比例比较低的话，比如一共才不到75%，那么拿两个
loan还有戏，如果加起来都80%以上了，2nd loan想拿都难。
并不是哪个更划算的问题，首先是能不能实现的问题。 |
|
b********2
发帖数: 5191 | 24 Jumbo loan 是指loan amount > 两房规定的high balance conforming loan amount的
上限,不同的地方对Jumbo loan的要求也不同. 以加州湾区 或者 LA来说, 大于$625,
500的loan就是jumbo. 在San Diego, 这个limit是$546,250 |
|
h***d
发帖数: 2188 | 25 不是真的agent，lender不是她代理的银行，她介绍过去的，帮忙做的loan
估计这个人不是真正的loan agent，否则的话，不需要客人直接pay的。loan agent在
loan close之后是拿不到钱的。即便是borrower pay brok........ |
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i******e
发帖数: 312 | 26 买房已经签了合约交了定金，现在loan agent正在帮忙做loan。由于没有loan
contigency，只有7天的（working day） inspection contigency，想知道7天之内
loan可以做到什么程度？到了哪一步可以知道loan没有问题了呢？
谢谢 |
|
r******d
发帖数: 1879 | 27 YES. loan agent commission is tied with your loan amount. Usually it is 1%
of loan amount, in yoru case, the commission will be around $1500. within
this $1500, $500 will be processing fee for processor. And the rest $1000
has to split with broker company. So after taxes, agent might only get a
few hundreds for this loan and it will be hard to offer you credit at all.
In another word, you also wanna get no cost refinance, which means agent has
to cover your about $3000 closing cost for the ref... 阅读全帖 |
|
l******e
发帖数: 34 | 28 现在我们已经close房子两周， 突然agent告诉说银行现在audit loan，发现房子
closing date 比 home insurance 生效日早一天。 银行 说close当天必须有保险，但
是保险公司不肯改生效日。Agent说最坏银行有可能收回loan, 让我们cash付清loan. (
这个银行先给funding, 然后再audit).
请问我们该怎么办？最坏情况是什么？有没有可能再找其他银行贷款？
另外，这是不是loan agent 的责任？ （我们buyer agent 和loan agent是同一个人）
谢谢！ |
|
c**********e
发帖数: 1184 | 29 您可以问问您的loan agent看看有什么condition是比较关键的或者说会影响final
approval的。如果说没有什么“致命”的影响，那么贷款最终下不来的可能性就几乎没
有了，remove contingency也是可以的，但是一定要跟loan agent确认清楚，因为
remove了之后一旦loan下不来损失deposit就划不来了。另外loan下来的时候万一过了
30天可以跟卖家商量一下延几天contract，卖家看到贷款有“实质性进展”一般都会同
意延期。当然最好是催着loan agent在30天内close。 |
|
a******o
发帖数: 7982 | 30 恰恰搞反了，有 loan contingency,如果你 loan下不来而不能买方，你是可以拿回
deposit的。seller唯一可威胁你的就是不卖给你，但是离close就几天，seller这样做
毫无意义。相反，你要是remove loan contingency,，那么你没任何保护了，要是loan
下不来，或其他原因不能买房你都拿不回deposit.seller 估计看快close，你还没搞定
loan,怕到时成交不了，要你remove来保护自己拿deposit吧。
签 |
|
R**********1
发帖数: 236 | 31 楼主可以查看一下之前与loan officer往来email什么的，然后与该loan officer再沟
通一下，找出问题究竟出在哪里，哪个环节出了问题，谁应该负责任。如果确实是由于
银行的问题而导致合同break和penalty，那么和该loan officer谈一下补偿怎么解决，
如果loan officer不配合，可以直接找银行或者loan officer的manager进一步解决。 |
|
b********4
发帖数: 442 | 32 7月10号进contract, 有国内来的gift money, 你的buyer agent首先就不能把close of
escrow 定在25号. loan officer的promise就更不用说了.
您10号进的contract, 一个星期后才把材料送给loan officer, 我一般是要求我的
buyer当天就要把材料送给loan agent.
一般如果loan agent两个小时不回email和电话, 您就应该换人了.
其实有不查gift source的lender, 不知道您的loan officer为什么要用查source的
lender.
您的损失应该由agent来cover, period.
underwriter
笔1 |
|
m******e
发帖数: 1932 | 33 If the borrower wishes to transfer their fully processed loan file to
another lender, the Banker will, upon written request and payment of
transfer fee equal to 1% of the loan amount, transfer the loan file, with
the exception of the Credit Report, directly to another mortgage lender.
我们要盖房子,现在要签loan的文件，半年后closing。loan application里有上面这段
话，是说我们closing前如果万一要换lender就要交罚金吗？多谢！ |
|
V*********r
发帖数: 666 | 34 收到 Key Factor(s) affecting your FICO® Score:
Lack of recent installment loan information
Your credit report shows no recent non-mortgage loans (such as auto
or student loans) or sufficient recent information about your loans.
Having a loan along with other types of credit demonstrates that you
are able to manage a variety of credit types. |
|
e***r
发帖数: 110 | 35 找了第一个loan broker pull了我的信用报告。现在要找第二个loan broker, 可以直
接把第一个loan broker pull的credit report转给第二个loan broker么?
主要担心第二个loan broker 再pull的话伤信用分数。。
谢谢！ |
|
q**i
发帖数: 367 | 36 【 以下文字转载自 Living 讨论区 】
发信人: qwei (weiwei), 信区: Living
标 题: loan是老公借，银行要求买房合同去掉老婆
发信站: BBS 未名空间站 (Sat May 15 15:39:02 2010, 美东)
老公工作， 我在家， credit不到740，所以broker说老公一个人作loan,我同意。
但是马上要close了，broker才告诉我们说他们要求买房的purchase contract上面buyer也只是老公，不过他们可以做到title上是我们两个就能确保我的屋主地位了。
我们没有家庭矛盾，我也知道title上两个人就没问题，不过我不理解，一定要这样么？purchase contract上是我们两个的名字是和loan有冲突么？ 这样作他们有什么好处，不这么作对他们又有什么损害？ 请问各位老婆在家作家庭主妇，老公一个借loan的，买房都发生这样的情况么，还是说这是loan里subjective decision，就是case by case? 我们有什么讨价还价的机会么？可以complain或者dispute他们么？
老公倒是 |
|
H******e
发帖数: 64 | 37 it really depends on the house value and loan amount, the higher the loan
amount and the lower the LTV( loan to value), the better the rate. For
example, $1m house, $600k loan.
7/1 ARM 3.25% with $1000 rebate;
10/1 ARM 3.625% with $500 rebate. |
|
A**J
发帖数: 275 | 38 Hello,
Anybody could help to answer the following question?
By LI state law, if mortgage loan officer A accept a loan application on 2/1
/2013, he left the employer on 2/20/2013, the loan was originated on 5/15/
2013 and was originated by Loan Officer B.
Which NMLS# should the loan carry, A or B?
Thanks, |
|
p*****n
发帖数: 64 | 39 【 以下文字转载自 Living 讨论区 】
发信人: paomian (paomian), 信区: Living
标 题: 【急！】加州买房 loan contingency removal
发信站: BBS 未名空间站 (Wed Oct 30 14:35:53 2013, 美东)
我们 Escrow只有30天， 现在只剩下3-4天左右closing. seller agent 威胁我必须签
removal loan contigency（其他的removal已经签了），否则我是breach contract,
deposit is at risk ($18000). seller agent 也已经给我们2天的notice了。
我自己的 buyer agent (也是 loan agent) 也逼我签， 也威胁我说，不签的话，
seller有权把deposit拿走。 问题是 这个agent 还没有帮我们把 loan完全办下来，大
概还要1-2天。 我想我不能签，至少必须等loan 完全approved.
我想问他们说的是对的吗？ 我让buyer agent 出示条款。 上面说的... 阅读全帖 |
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i****a
发帖数: 36252 | 40 我之前有同样的问题，写了这个，专业人士的帮看看，估计是否正确:
例子 A:
4.00% 30 year fixed, $400k Loan
月供 $1,909.66
30年后还清, 付款总额 $687,478
例子 B:
3.00% 5 year ARM, $400k Loan
月供 $1,686.42
5 年后 refi 4.50% 30 year fixed, $ 355,954 loan balance
月供 $1,803.57
35年后还清, 付款总额 $750,586
例子 C:
3.00% 5 year ARM, $400k Loan
月供 $1,909.66 (pay extra, same amount as A)
5 年后 refi 4.50% 30 year fixed, $341,621 loan balance
月供 $1,909.66 (pay extra, same amount as A)
29年9个月后还清, 付款总额 $681,519
ARM risk vs reward 不高. 需要每月额外支付才可以省钱. 当然, 这是基于保持房子
30年不卖, 不... 阅读全帖 |
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f*******s
发帖数: 3046 | 41 谢谢cpa，不是不想填表，是不想填错表或者以后麻烦
我找到这个好像mm说的，loan doc自己写一个就行？要公证吗？然后schedule b就像银
行利息一样多列出一条？
if the gift exceeds the annual exclusion of $13K per person, then the donor
must submit form 709 as part of his tax return in April. Interest received
on the loan by the donor is reported on Schedule B. Since there is a minimum
interest amount that the IRS accepts, if the interest rate charged is less
than that they consider the difference to be equivalent to the donor
actually receiving the minimum rate and t... 阅读全帖 |
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j********i
发帖数: 913 | 42 既然涉及到我的名号， 我就来说两句：
1） 首先， 我们公司碰到这种事， 从来没赖过任何人一分， 一毛！
就连是客人换工作， 没告诉我们， funding前出了问题， 后来市场利息变坏， 我们
都是该给多少是多少， 情愿自己吃亏， 也没做过任何对不起他人的事；
常常是 loan 都close了， 有些客人跟我bargain 一下， 想让我给点回扣，说是市场
利息又低了， 能不能补偿一下， 我常常大笔一挥， 手一松， 几百就出去了， 所以
说和我们做过贷款的客人， 大概都知道我老是多麽的豪爽，可以说是最不把钱当回事
的， 大家高兴就好， 所以我们根本不缺客户， pipeline上 从来都是满满的；
2） 跟人吵架， 是不得以而为之，虽然我老辩才鲜逢对手， 但我一般轻易从不先出手
， 除非正当防卫。
以前， 两耳不闻窗外事， 一心只做圣贤 loan， 不懂网络世界， 结果反倒成了
MITBBS 被人攻击取笑的对象。从2010年底开始， 只要和我有关， 我只要看见， 就会
起来应战，结果居然打来一堆粉丝， 打来一堆客户， 而且只要跟我做过贷款， 大概
都知道我老的功力；
3）我们公司不像... 阅读全帖 |
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z***e
发帖数: 159 | 43 【 以下文字转载自 Living 讨论区 】
发信人: ziege (piggy), 信区: Living
标 题: loan conditional approval
发信站: BBS 未名空间站 (Fri Aug 2 12:33:38 2013, 美东)
周一是合同上的loan contingency removal date。根据目前进度，最多只能拿到
conditional approval loan。离最终close date还有两周。如果remove loan
contingency 风险大吗？能否要求卖方延期loan contingency？第一次买房，没什么概
念，想请教大家都拿到final approval 才remove 还是conditional 就可以了。 |
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s*********3
发帖数: 2890 | 44 很简单啊，让那个loan agent花钱买point，把rate 拉下来，match 原来promise 的
rate，大概一个 point可以 bring down 0.5% rate. Well, 做生意总是有赚有赔嘛，
能用钱解决的事都不是事。其实现在银行已经把这个“赌"的漏洞堵住了。大部分
lender都和 loan broker 签了合同，你做这个loan， 不管贷款额多少，利息高低，你
总是拿1% 或者 1.5% 的
commission。 rebate 先全部返给贷款人，大部分是用来抵closing cost了。这样loan
agent 赌了也不能多赚钱。当然你动作要快，如果loan file 已经expired， 那就没
有办法了。 |
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n********n
发帖数: 641 | 45 【 以下文字转载自 Living 讨论区 】
发信人: nirvanna (phonex(只有在火中, 才能永生)), 信区: Living
标 题: Re: loan application fee
发信站: BBS 未名空间站 (Tue Jan 20 16:10:21 2009)
I am in the process for a home loan right now. This is what I did:
1) get a local yellow page for chinese (Dallas area);
2) pick 4-5 loan agents;
3) email or call to get a good faith estimate (you need tell them value of
your house, how much is the loan, 30 years or 15 years loan, estimate of
your credit score, etc). ask questions such as What documents |
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n********n
发帖数: 641 | 46 【 以下文字转载自 Living 讨论区 】
发信人: nirvanna (phonex(只有在火中, 才能永生)), 信区: Living
标 题: Re: loan application fee
发信站: BBS 未名空间站 (Tue Jan 20 16:10:21 2009)
I am in the process for a home loan right now. This is what I did:
1) get a local yellow page for chinese (Dallas area);
2) pick 4-5 loan agents;
3) email or call to get a good faith estimate (you need tell them value of
your house, how much is the loan, 30 years or 15 years loan, estimate of
your credit score, etc). ask questions such as What documents |
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a***a
发帖数: 36 | 47 自己查了一下：（http://www.fhfa.gov/Default.aspx?Page=185）
"Metropolitan Statistical Areas, Micropolitan Statistical Areas and Rural
Counties where Conforming Loan Limits for 2009-Originated Mortgages exceed $
417,000 in Continental U.S. or $625,500 for locations in Alaska, Hawaii,
Guam, and U.S. Virgin Islands
"
(These loan limits apply to loans originated in 2009 or originated between 7
/1/07-12/31/08 and purchased in 2009. Loans acquired in 2009, but
originated prior to 7/1/2007 r... 阅读全帖 |
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w*******y
发帖数: 60932 | 48 We refinanced with our home town bank (Old Fort Bank) and saved years and $
1000's on our home loan. All the banks have good mortgage interest loans.
Check with your bank.
Here is 5/3 site.
Link:
https://secure.53.com/mortgage/app/rates
Closing cost are around $1600. If you can drop your rate by 2%, you will
save money.
Here are a few reasons you may want to consider refinancing:
To lower your interest rate (which will result in either a reduced monthly
payment or a reduced term)
To consol... 阅读全帖 |
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w*******y
发帖数: 60932 | 49 Pentagon Federal Credit Union (PenFed) is now offering a 5 year home equity
loan for only 1.99% with NO closing costs! Must be owner-occupied home with
80% or less loan to value, must apply online.
Here's a link for more info: Link:
https://www.penfed.org/home-equity-loan/
Use a home equity loan to remodel/renovate your house, pay college costs,
pay down your higher interest debt (including a mortgage), or buy a second
home or investment property.
I've never seen a better deal on a home equi... 阅读全帖 |
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N********n
发帖数: 8363 | 50 【 以下文字转载自 Investment 讨论区 】
发信人: NeverLearn (Libertarian Ace), 信区: Investment
标 题: Barney Frank welcomes bad loans (zz)
发信站: BBS 未名空间站 (Fri Oct 16 20:59:50 2009, 美东)
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 portfol |
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