s**x
发帖数: 17 | 1 【 以下文字转载自 Living 讨论区 】
发信人: sskx (pc小子), 信区: Living
标 题: loand is declined due to only 2
发信站: BBS 未名空间站 (Tue Nov 3 23:29:23 2009, 美东)
applying for BoA loan $570K, LTI<75, credit score 790.
Loan is declined because I do not meet minimum number of trade lines (credit
card or loan). I have only two credit cards.
Is there anyone having similar experience?
I was suggested to get two loan: conforming $417K (rate 5%) + rest using
2nd mortgage loan (aka home equity loan, rate 9%). I was promised to c |
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q****i
发帖数: 562 | 2 你的情况不利的有两点.一是首付不到20%；二是工作时间短,可能连W-2都还没有吧.
审请贷款,最好是这几点都具备:信用好；收入够；工作稳定；首付高.
不过你们因为工资挺高,收入和贷款的比例完全没问题,应该还是可以做的.首付15%,也
有很多人拿到不错的利率的。多找些银行和LOAND AGENT谈谈吧. |
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s**x
发帖数: 17 | 3 applying for BoA loan $570K, LTI<75, credit score 790.
Loan is declined because I do not meet minimum number of trade lines (credit
card or loan). I have only two credit cards.
Is there anyone having similar experience?
I was suggested to get two loan: conforming $417K (rate 5%) + rest using
2nd mortgage loan (aka home equity loan, rate 9%). I was promised to convert
2nd loan to Heloc within 60 days after closing.
Again, is there anyone having similar experience?
I am considering to try differe |
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c****h
发帖数: 4968 | 4 570k是jumbo了。现在银行都over-reacting,很多都不愿意做jumbo.找个broker试试。 |
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p**e
发帖数: 676 | 5 我的AGENT说，两家银行别去碰： BOA & WELLS FARGO |
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b********3
发帖数: 994 | 6 你的agent很搞笑。Wells Fargo和BOA是目前全美最大的两个mortgage lenders和
servicers。再说，你的agent撑死是一broker，他自己都不知道他的lender会loan最终
卖给谁做service，说不定就是wells fargo或者BOA。 |
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p**e
发帖数: 676 | 8 是我的REALTOR说的，不是LOAN BROKER说的。
REALTOR的意思是这两家手续繁杂，效率低，经常为无中生有的小事情耽误进度。 |
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l******n
发帖数: 265 | 9 This is true. We had a very bad experience with Wells Fargo. |
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t*o
发帖数: 2606 | 10 我的agent 也说了一模一样的话.看来这两家名声不好啊. |
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c*****9
发帖数: 2739 | 11 Thank you very much!
I am negotiate with current lender to extend it without fee.
Is there any one in CT can do 26.5W 15 years fixed loand for me? |
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c**********0
发帖数: 624 | 12 education credit 不是deduction, 1040 pg2 里面有大概几类 貌似mostly apply to
undergraduate education .不是你算的，IRC就给你限额，有些是life time的
tuition expense 在1040 pg1 above the line. 和student loand什么的一起
多半你自己弄错了 |
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f**e
发帖数: 890 | 13 You are very right. Don't try to use simplified calculations to beat banks.
They are tring to make as much money as possible not trying to make your
life better. In short, it comes to most basic questions, what is your loand
amount? how long do you want to hold house/loan? are you able to make some
big money in the future and pay off your loan or at least reduce it
tremendously when needed? $1000 or even more difference per month is very
attractive though.
you |
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r*****n
发帖数: 964 | 14 这个当然可以作为计划的一部分。但是需要大量的资金，因为重建基本是贷不到Loand
的。现阶段，还是有不少同胞直接住在牛棚里，怀着住3500sqft大房的梦想。 |
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