c**m
发帖数: 1457 | 1 http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Mortgage Loan Closing - Process Overview
发信站: BBS 未名空间站 (Mon Oct 24 22:59:21 2011, 美东)
The Mortgage Loan Closing When Buying a Home
Once your application for a mortgage loan has been approved and you have
received a commitment letter from the lender, the final step before you can
call the house your own is the closing, or settlemen... 阅读全帖 |
|
c**m
发帖数: 1457 | 2 http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Mortgage Loan Closing - Process Overview
发信站: BBS 未名空间站 (Mon Oct 24 22:59:21 2011, 美东)
The Mortgage Loan Closing When Buying a Home
Once your application for a mortgage loan has been approved and you have
received a commitment letter from the lender, the final step before you can
call the house your own is the closing, or settlemen... 阅读全帖 |
|
l****z
发帖数: 29846 | 3 Chu takes responsibility for a loan deal that put more taxpayer money at
risk in Solyndra
By Carol D. Leonnig and and Joe Stephens, Published: September 29
Energy Secretary Steven Chu acknowledged Thursday making the final decision
to allow a struggling solar company to continue receiving taxpayer money
after it had technically defaulted on a $535 million federal loan guaranteed
by his agency.
Chu spokesman Damien LaVera said in a statement that the secretary
approved the restructuring agr... 阅读全帖 |
|
w****a
发帖数: 6326 | 4 ☆─────────────────────────────────────☆
yoyo001 (Happy~yoyo) 于 (Wed Aug 1 00:15:08 2012, 美东) 提到:
6月份刚给旧房做了refinance,现在拿到一个新房的offer,要申请新的loan。两个不同
的lender，新贷款会不会有问题？
马上要定下来，急盼版上的牛人指点！谢谢！
update:谢谢大家大回复! 我联系了几个LOAN AGNET, 有两个不能做,有两个可以. 想找
个律师
问下新房贷款的问题及买了新房后能不能近期就般过去,但好象都不睬我.难道是这个问
题对他们来说太简单了吗?
另外,那个1003 是什么呀? 是deed of trust 吗? 我看了看有一条是这样的:
6. Occupancy. Borrower shall occupy, establish, and use the Property as
Borrower’s principal residence within 60 days after the execution of this
Sec... 阅读全帖 |
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D**0
发帖数: 2048 | 5 ☆─────────────────────────────────────☆
HuZhouRen9 (HuZhouRen) 于 h 提到:
GINGER-LOAN 金算子de
经纪人接了我的申请,并在我ORDER了估价后,迟迟不锁当初承诺的RATE并开始PLAY GAME
要我接受高的RATE. 当我打电话询问时,他居然说我浪费他时间, 他傲慢的说: "你们
硅谷工程师他 M 就挣十多万吧,我们起码是你们的三倍.你不要认为我的时间象你那样
不直钱".
我想与那位有多个博士学位的金算子说说.可她就是不接电话,或回电.难道他们就是这
样来 " realized a business chance"?
最终,我没有SIGN THE LOAN.宁愿浪费估价费.
☆─────────────────────────────────────☆
wuliaoren (有时时光难熬) 于 (Sat Dec 25 01:01:39 2010, 美东) 提到:
GAME
kao,报人名
☆─────────────────────────────────────☆
catch... 阅读全帖 |
|
f********s
发帖数: 526 | 6 大侠事情是这样的， LZ下了一个房子的单， offer也被seller接受了， 下的是no
contingency的offer,如果loan最终下不来的话LZ要赔给seller几万块的定金。 于是LZ
开始和自己找的一个loan officer做贷款， 这个loan officer是wells fargo的， 这
个LO说可以在前天得到underwriter的批准， 也就是loan approval， 但昨天他承诺的
时间已经过去LZ还是没有得到消息， 于是打电话去问， 他说因为那个underwriter手
上的文件多， 还没批准到LZ的loan. 今天中午之前一定可以给答复。 于是LZ等到今天
中午， 打电话过去， 还是没有批准， 因为LZ很着急， 也很担心，追问理由， 他就
找了据说是lz loan的underwriter, 那个underwriter说是因为lz的credit report昨天
过期了， 今天他们重新pull了lz的credit report，所以耽误了时间，lz的loan前天一
级underwriter已经批准， 今天就等着二级underwriter（也就是那个... 阅读全帖 |
|
f********s
发帖数: 526 | 7 大侠事情是这样的， LZ下了一个房子的单， offer也被seller接受了， 下的是no
contingency的offer,如果loan最终下不来的话LZ要赔给seller几万块的定金。 于是LZ
开始和自己找的一个loan officer做贷款， 这个loan officer是wells fargo的， 这
个LO说可以在前天得到underwriter的批准， 也就是loan approval， 但昨天他承诺的
时间已经过去LZ还是没有得到消息， 于是打电话去问， 他说因为那个underwriter手
上的文件多， 还没批准到LZ的loan. 今天中午之前一定可以给答复。 于是LZ等到今天
中午， 打电话过去， 还是没有批准， 因为LZ很着急， 也很担心，追问理由， 他就
找了据说是lz loan的underwriter, 那个underwriter说是因为lz的credit report昨天
过期了， 今天他们重新pull了lz的credit report，所以耽误了时间，lz的loan前天一
级underwriter已经批准， 今天就等着二级underwriter（也就是那个... 阅读全帖 |
|
t******4
发帖数: 2300 | 8 估计美国的房子梦对不少的人会消失了。
How might home buying change if the federal government shuts down the
housing finance giants Fannie Mae and Freddie Mac?
The 30-year fixed-rate mortgage loan, the steady favorite of American
borrowers since the 1950s, could become a luxury product, housing experts on
both sides of the political aisle say.
Interest rates would rise for most borrowers, but urban and rural residents
could see sharper increases than the coveted customers in the suburbs.
Lenders could charge fees f... 阅读全帖 |
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t****e
发帖数: 279 | 9 你不如解释解释吧.
对法律的细节, 很多人不是很明白.
今天早上那个loan agent占了便宜还卖乖. 给我发了两个文章过来.
I understand from xxx that you “talked to an attorney” who said you didn’
t commit fraud. Please read the following and you may want to consider
talking to a smarter attorney…
Mortgage fraud
From Wikipedia, the free encyclopedia
Jump to: navigation, search
Description: Globe icon.
The examples and perspective in this article may not represent a worldwide
view of the subject. Please improve this article and discuss the issue o... 阅读全帖 |
|
t****e
发帖数: 279 | 10 你不如解释解释吧.
对法律的细节, 很多人不是很明白.
今天早上那个loan agent占了便宜还卖乖. 给我发了两个文章过来.
I understand from xxx that you “talked to an attorney” who said you didn’
t commit fraud. Please read the following and you may want to consider
talking to a smarter attorney…
Mortgage fraud
From Wikipedia, the free encyclopedia
Jump to: navigation, search
Description: Globe icon.
The examples and perspective in this article may not represent a worldwide
view of the subject. Please improve this article and discuss the issue o... 阅读全帖 |
|
s*****i
发帖数: 261 | 11 请帮忙看看我的loan officer说的在不在理儿啊？
我的贷款折腾得厉害。
开始因为双方的误解，loan officer以为我没有5%的自己的钱，帮我申请了FHA 贷款，
很快银行就给我寄了一大堆材料，有50来页。里面不少是关于这个FHA信息的，要我签
字。我没有签字。
后来，经过几天的磋商，我又提交了新的证据来支持我的理由：我有5%的属于自己的钱
，而且在别的银行里存的时间都是半年以上了。这样，双方都认为我有资格申请
conventional loan了。loan officer答应把我的FHA loan转成conventional loan。
可是在转之前，这个loan officer要我把所有的先前银行寄给我的那50页
材料都签好字送给她。我问这是为什么？ 既然不做FHA loan了，还在那些
材料上签字干什么呢？这个loan officer给我的答复是这样的：
Even though I have already changed the FHA loan to a conventional loan in
the system, we will need the FHA d... 阅读全帖 |
|
发帖数: 1 | 12 一般银行有两种loan，一种是卖出去给国家fanne mae freddie mac的，一种是in
house loan。卖出去的loan包括绝大部分conforming loan，从SFH到investment 4-
plex，这种loan必须遵从国家FMN的要求，手续繁杂，银行也没办法，underwriter们盯
的紧。除了符合国家要求以外，银行有时还会自己加一些保险措施，比如wells fargo
要求investment house 要有35%downpayment。Fannie／freddie现在允许一个人10个
loan，所以应该是所有银行都执行的。
in house loan包括很多jumbo loan，各个银行自己掌握，比较松一些。两年前很多大
银行现金特多，使劲push jumbo loan，所以jumbo的利息有时候比conforming还好。
investor搞loan，个人体会，最重要的是找到一个给力的loan officer。因为有很多房
产以后，你的portfolio比较复杂，尤其是报税时，最大限度利用各种减税条款，使得
真正的taxable income很... 阅读全帖 |
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y*******y
发帖数: 71 | 13 Well, subordination, as the name suggests, is to subordinate one obligation
to another. Although it is hard to be 100% sure of the situation you
described below, the most I can make out of it is that there are two loans: one
is the shareholder loan and the other is a loan supposed to be more senior
to the shareholder loan (I will call it a "bank loan"), for which the bank
acts as the security agent. The deed of subordination is used to make sure
that the shareholder loan is "subordinated" to the... 阅读全帖 |
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r*****5
发帖数: 79 | 14 我们的情况只这样的。几个人成立公司买房出租。因为公司刚成立，本身没有什么
credit，所以我们只能以个人名义loan。但是问题就在于，对于每一个condo来说，我
们可能最多loan 2，3万，对于single / town houses需要的loan可能多一些，大概10
万以上吧。另外一个限制因素就是DTI(debt to income)。我们要是个人名义loan的话
，基本上一个人只能拿到一个loan，一个以上的就不好拿了，拿到的也很差。
以个人loan来讲，从broker得到的信息是，
the minimum loan amount is 35K：loan amount低于$100K，cost就会相对比较高。
investment loan 利率上会比较高。
the interest rate is much higher： investment loan 是1.75 point charge no
matter what kind of property it is。
因为长期的话我们可能持有多个property, 所以我们能不能以公司的名义拿到loan？如
果非要以个人名义... 阅读全帖 |
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j*****e
发帖数: 564 | 15 This is what I googled:
Conventional Loan
Conventional loans are popular because the broad public does not qualify for
other loan structures. A conventional loan has no backing from the
government in the way an FHA, HUD or VA loan does. Lenders are not limited
to interest rate caps and can charge anything the market will warrant, which
means the loans are generally higher than government-backed loans.
Conventional loans can be either insured or uninsured contingent on their
loan-to-value ratio.
... 阅读全帖 |
|
S**Y
发帖数: 1710 | 16 LONDON/ATHENS (Reuters) - Greece's biggest lenders, National Bank of Greece
and Piraeus plan to put their troubled loans into separate "bad banks" in
order to restore consumers' confidence in the rest of their business, the
banks' executives told Reuters.
National Bank of Greece (NBG) deputy chief executive Petros Christodoulou
said he was also talking to private investors about a joint venture that
would involve them taking on a minority stake in some small and mid-sized
business loans.
Bad ban... 阅读全帖 |
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p*****s
发帖数: 4393 | 17 今天看到的一篇文章
http://www.bloomberg.com/news/2014-11-06/student-loan-market-re
Student-Loan Market Recalls Subprime Crisis for U.S. Treasury
By Jeanna Smialek Nov 6, 2014 2:45 PM ET - Comments Email Print
Facebook
Twitter
Google+
LinkedIn
Save
The Treasury Department is looking at the rise of American student-loan debt
and seeing worrying similarities to the U.S. housing-market bubble.
Deputy Secretary Sarah Bloom Raskin today voiced concern that education-loan
borrowers could turn to repayment s... 阅读全帖 |
|
p*****s
发帖数: 4393 | 18 今天看到的一篇文章
http://www.bloomberg.com/news/2014-11-06/student-loan-market-re
Student-Loan Market Recalls Subprime Crisis for U.S. Treasury
By Jeanna Smialek Nov 6, 2014 2:45 PM ET - Comments Email Print
Facebook
Twitter
Google+
LinkedIn
Save
The Treasury Department is looking at the rise of American student-loan debt
and seeing worrying similarities to the U.S. housing-market bubble.
Deputy Secretary Sarah Bloom Raskin today voiced concern that education-loan
borrowers could turn to repayment s... 阅读全帖 |
|
m********g
发帖数: 10469 | 19 https://www.washingtonpost.com/blogs/right-turn/wp/2016/01/14/10-reasons-
that-goldman-sachs-loan-is-a-nightmare-for-ted-cruz/
This New York Times story could not have come at a worse time for Sen. Ted
Cruz (R-Tex.), who had already been knocked off-balance by Donald Trump, is
falling in his must-win state of Iowa and is being attacked as a slick
politician who won’t level with voters:
As Ted Cruz tells it, the story of how he financed his upstart campaign
for the United States Senate four y... 阅读全帖 |
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t****e
发帖数: 279 | 20 【 以下文字转载自 Living 讨论区 】
发信人: tthike (hike), 信区: Living
标 题: 紧急求助, 诸多陷阱, 申请贷款被loan agent威胁怎么办?
发信站: BBS 未名空间站 (Fri Mar 9 17:15:33 2012, 美东)
第一个short sale房子.我们申请了贷款,最后贷款一直都没有拿到. 要求我们必须卖掉
以前的一个FHA的房子. 眼看contract就要过期了. 还是没有拿到loan. 第二个short
sale房子批了, 然后就开始申请第二个房子的loan. 第一个房子的loan还没有cancel.
没过多久,第一个房子的lender说是underwriter基本同意了. 要我们order appraisal.
我们就order了appraisal. 第二个房子的loan还没有lock rate, 也没有order
appraisal. 只是叫他把我们的材料给underwriter看看,到底能不能批. 我们觉得应该不算正式的申请贷款吧.
今天我们告诉第二个房子的loan agent说我们要买另外一个房子. 这个loan... 阅读全帖 |
|
l****z
发帖数: 29846 | 21 The Facebook Inc. (FB) founder refinanced a $5.95 million mortgage on his
Palo Alto, California, home with a 30-year adjustable-rate loan starting at
1.05 percent, according to public records for the property.
While almost all lending rates have reached historical lows this year, the
borrowing costs available to high-net-worth individuals are even lower if
the person is willing to bear the risk of monthly interest rate adjustments,
said Greg McBride, senior financial analyst with Bankrate Inc., ... 阅读全帖 |
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B*********e
发帖数: 2313 | 22 刚好有两个Loan在做 原以为可以赶上10/3之前 结果很不幸有一个Loan没有赶上 所
以eSign那一个Loan Doc有四十多页 我代我家领导签名 所以两个人我就要签80多页
的文件 的确多了一些过去没见过的文件 签到我头都昏了 快要骂人了...
我这两个loan 一个是10/3之前进去的 Loan Doc 只有26页 10/3 之后进去的那个
Loan Doc就40多页 我感觉是照新的流程走 之前文件有一些错误要改 竟不能由
Agent直接寄给我改好的文件 还需要由他们公司的Appraisal Desk寄文件给我 的确
要多花一点时间
至于多加的那些文件 老实说我看不出有啥重要性的 反正就是签下去了....
这些是新文件 各位瞅瞅吧
Please review the following documents (no need to return):
* Consumer Handbook on Adjustable-Rate Mortgages
* Homeownership Counseling Orga... 阅读全帖 |
|
r*****e
发帖数: 264 | 23 Not as high profile as Wall Street traders, but nevertheless a place to
start with.Send resume to my gmail address for internal referal: newchaoz
P: I am not from hiring team or HR so could not answer many questions you
might have, sorry.
===================
Trader
The Capital Markets Team at Quicken Loans is expanding its mortgage trade
desk. The Trade Desk is responsible for the sale of over $50 Billion in
mortgage loans year to date. We are highly recognized in the market place
and have wo... 阅读全帖 |
|
t****e
发帖数: 279 | 24 第一个short sale房子.我们申请了贷款,不过贷款一直都没有拿到. 要求我们必须卖掉
以前的一个FHA的房子. 眼看contract就要过期了. 还是没有拿到loan. 第二个short
sale房子批了, 然后就开始申请第二个房子的loan. 第一个房子的loan还没有cancel.
没过多久,第一个房子的lender说是underwriter基本同意了. 要我们order appraisal.
我们就order了appraisal. 第二个房子的loan还没有lock rate, 也没有order
appraisal. 只是叫他把我们的材料给underwriter看看,到底能不能批. 我们觉得应该不算正式的申请贷款吧.
今天我们告诉第二个房子的loan agent说我们要买另外一个房子. 这个loan 要cancel
掉. 他听说我们还在申请另一个房子的loan. 说我们这个是fraud. 要我们或者必须把
另外一个loan cancel掉. 或者把他的loan cancel掉. 否则就是欺诈, 是很严重的事情
. 我说那就cancel你的loan吧. 他一下子很生气, 说他... 阅读全帖 |
|
t****e
发帖数: 279 | 25 这是他给我发过来的另外一个文章.
我也搞不清楚这些细节. 反正, 我现在正在找律师. 对了, 我在盐湖城. 谁知道这方面
律师信息的请尽快和我联系. 我非常感激.
Can I Buy Two Properties At Once?
June 18, 2001, Reviewed January 28, 2011
"I want to buy two houses but can only qualify for one. My mortgage broker
said that if both loans closed on the same day, the debt from one would not
be counted in the expense-to-income ratio of the other. That way, I would be
able to finance both houses. The broker would arrange both loans. I don't
feel comfortable with this process – woul... 阅读全帖 |
|
t****e
发帖数: 279 | 26 第一个short sale房子.我们申请了贷款,不过贷款一直都没有拿到. 要求我们必须卖掉
以前的一个FHA的房子. 眼看contract就要过期了. 还是没有拿到loan. 第二个short
sale房子批了, 然后就开始申请第二个房子的loan. 第一个房子的loan还没有cancel.
没过多久,第一个房子的lender说是underwriter基本同意了. 要我们order appraisal.
我们就order了appraisal. 第二个房子的loan还没有lock rate, 也没有order
appraisal. 只是叫他把我们的材料给underwriter看看,到底能不能批. 我们觉得应该不算正式的申请贷款吧.
今天我们告诉第二个房子的loan agent说我们要买另外一个房子. 这个loan 要cancel
掉. 他听说我们还在申请另一个房子的loan. 说我们这个是fraud. 要我们或者必须把
另外一个loan cancel掉. 或者把他的loan cancel掉. 否则就是欺诈, 是很严重的事情
. 我说那就cancel你的loan吧. 他一下子很生气, 说他... 阅读全帖 |
|
t****e
发帖数: 279 | 27 这是他给我发过来的另外一个文章.
我也搞不清楚这些细节. 反正, 我现在正在找律师. 对了, 我在盐湖城. 谁知道这方面
律师信息的请尽快和我联系. 我非常感激.
Can I Buy Two Properties At Once?
June 18, 2001, Reviewed January 28, 2011
"I want to buy two houses but can only qualify for one. My mortgage broker
said that if both loans closed on the same day, the debt from one would not
be counted in the expense-to-income ratio of the other. That way, I would be
able to finance both houses. The broker would arrange both loans. I don't
feel comfortable with this process – woul... 阅读全帖 |
|
b*******7
发帖数: 907 | 28
30年LTV超过90%的才是life time，不过其他的貌似也提高不少。
Beginning April 1, 2013, the FHA will raise its MIP schedules again. The new
MIP rates are as follows :
15-year loan term, LTV greater than 78 percent, less than 90 percent : 0
.45% annually
15-year loan term, LTV greater than 90 percent : 0.70% annually
30-year loan term, LTV less than, or equal to, 95 percent : 1.30%
annually
30-year loan term, LTV greater than 95 percent : 1.35% annually
Loans which exceed $625,500 are subject to an MIP s... 阅读全帖 |
|
g******4
发帖数: 6339 | 29 After last week's column about student loan debt, @musicalsrus responded on
Twitter: What about private loan companies that "rule with an iron fist"?
Fair point, @musicalsrus. If federal student loans can send you up the creek
without a paddle, private loans can send you up the creek without a paddle
or a lifejacket. Also, your boat is full of holes. And the creek is full of
sharks.
There are some significant differences between federal and private loans:
Private interest rates generally are det... 阅读全帖 |
|
s********u
发帖数: 1054 | 30 The current rules say that one can not have more than 4 mortgage loans.
In addition, the underwriter would look at your debt to income ratio
seriously. (Different banks or mortgage firms might have slightly different
rules though.But generally speaking, if you want to get very good loans with
implicit government guarantee, the rules are tight. )
As a result, it might be difficult to get 4 loans at the same time. ( Do not
lie to banks.It would be stupid to apply 4 loans at the same time and lie
... 阅读全帖 |
|
c******3
发帖数: 116 | 31 新房办的builder的loan，就交了点材料，再发Email问问题就不回了。20号就close了
，现在剩下2周不到了。看网上的review，这家loan有到close前一天晚上9点打电话说
loan不行了，要加新条款什么的，不可以9年内卖房。就怕loan来这招阴的。
builder的loan，title都是一家。如果builder loan在close前下不来的话，我需要给
builder赔钱吗？看合同上没写着赔钱的问题。还是因为他们都是一家，就无所谓了，
就等着了。反正现在这个20号的close date也是builder从1月份推迟的。
还是说现在重新找一个新lender，开始准备一个新loan？最快多久可以办下来？反正以
后close后要refinance，现在就把各种材料准备好，如果builder的loan下不来就申请
一个新loan，如果下来了，就准备refinance。我看了一下builder loan的estimate里
面写着prepayment penalty是NO。反正都把生意给新lender做。
求建议，谢谢大家！ |
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l****z
发帖数: 29846 | 32 Politico Forgets to Mention Democrats Caused Student Loan Interest Rate Hike
Problem
July 5, 2012 by Warner Todd Huston
In its update on the coming student loan interest rate hike deal in Congress
, Politico dances its blame-the-GOP tap dance once again saying that the
coming rate hike is all just “politics.” But somehow Politico forgets to
note that this interest rate problem is of the Democrats’ own making in the
first place.
Reporting that Congress has signed off on a bipartisan deal to hal... 阅读全帖 |
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l****z
发帖数: 29846 | 33 by Jordan Gonzalez
The Senate once again failed to pass legislation that would address the
doubled interest rates on subsidized Stafford loans on Wednesday, with Sen.
Harry Reid’s cloture vote to proceed failing 51-49.
The bill, the Keep Student Loans Affordable Act of 2013 (S. 1238), was the
Democrats’ latest attempt to return the subsidized Stafford loan interest
rates to 3.4 percent from the current 6.8 percent. It would have kept the
rates at 3.4 percent for another year.
Before the vote, Se... 阅读全帖 |
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t***3
发帖数: 778 | 34 这件事很疑惑，因为$200,000以下的贷款多为中产阶级和穷人。银行对这些人收高利息
能行得通？
以conventional conforming loan (贷款额上限为$417,000)为列，今天从数据库查了
几十家银行的8,048 loan programs，对贷款额下限的要求如下（括号里是loan
programs的数目）：
$1 （4396）
$10.000 （53）
$40,000 （39）
$50,000 （1310）
$60,000 （160）
$60,001 （21）
$71,000 （23）
$75,000 （167）
$75,001 （153）
$81,000 （20）
$90,000 （7）
$100,000 （963）
$125,000 （19）
$130,000 （9）
$150,000 （566）
$150,001 (1)
$165,000 (60)
$175,000 (9)
$200,000 (34)
$260,000 (14)
$275,001 (24)
total number of programs: 8,048
$1 minimum loan a... 阅读全帖 |
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j*********1
发帖数: 218 | 35 我们这儿house 比较expensive。 交了约20-30% downpayment 以后， 还必须要贷
jumbo loan （>450K limit）。 请问现在30年fixed 的jumbo loan rate 是多少呀？
我们这儿 Conforming loan 的limit 是450k，如果只贷450k的话， 假定30 years
fixed-rate 是3.5%。 但如果要贷500k的话， 就变成jumbo loan 了，假定jumbo
loan 的 30 years fixed-rate 是 4.25%。 如果以后不refinance 的话， 那这
30years 一直是付 4.25%利息吗？ 还是付了几年mortgage 以后， 等loan 的本金变成
450k 以下以后，我的rate 就自动变回conforming loan 的 3.5%呀。 如果是前者，
那贷jumbo loan太亏了。 有人知道jumbo loan 的具体怎么操作吗？ |
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I******s
发帖数: 223 | 36 在贷款额不大于$625,500时分以下四种情况：
1）LTV > 95% and Loan Term > 15 years: Annual Premium = 1.35% * Loan Amount
2) LTV <= 95% and Loan Term > 15 years: Annual Premium = 1.3% * Loan Amount
3) LTV > 90% and Loan Term <= 15 years: Annual Premium = 0.7% * Loan Amount
4) LTV <= 90% and Loan Term <= 15 years: Annual Premium = 0.45% * Loan
Amount
现在Conventional Loan 也有很多能做到3% Down Pay， 所以能选择Conventional 建
议就不要选择FHA。具体可以参考这篇文章。
http://www.mitbbs.com/clubarticle1/MortgageFAQ/31103353_0_1.htm |
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F********t
发帖数: 962 | 37 这种会被摘牌吗？
http://seekingalpha.com/article/275262-harbin-electric-loan-fra
The Harbin Chairman/CEO Has A History Of Fraudulent Loan Guarantee Documents.
We have obtained a settlement agreement reached between Harbin CEO Tianfu
Yang and China Construction Import Export Corp. In 2004, Mr. Yang, along
with his brother, fellow Harbin board member Tianli Yang, fraudulently
obtained the official seal of China Construction Import Export Corp. (CCIE)
to guarantee a loan for Tinafu Yang’s company.
In the s... 阅读全帖 |
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j*********1
发帖数: 218 | 38 我们这儿house 比较expensive。 交了约20-30% downpayment 以后， 还必须要贷
jumbo loan （>450K limit）。 请问现在30年fixed 的jumbo loan rate 是多少呀？
我们这儿 Conforming loan 的limit 是450k，如果只贷450k的话， 假定30 years
fixed-rate 是3.5%。 但如果要贷500k的话， 就变成jumbo loan 了，假定jumbo
loan 的 30 years fixed-rate 是 4.25%。 如果以后不refinance 的话， 那这
30years 一直是付 4.25%利息吗？ 还是付了几年mortgage 以后， 等loan 的本金变成
450k 以下以后，我的rate 就自动变回conforming loan 的 3.5%呀。 如果是前者，
那贷jumbo loan太亏了。 有人知道jumbo loan 的具体怎么操作吗？ |
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p***e
发帖数: 1318 | 39 精算子，看来你不断让板务删帖，不愿让你的“雷锋”事迹让别
人知晓。好吧，我把你从02年以来网下网上的劣迹给你存下。以后
再来和你对证。
做一个loan本来就是简单得不能再简单的事。no point, no fee.
湾区的华人agent哪个不能做？你的利率跟哪家不是大同小异？
就你整天危言耸听，说成一个多么难的事，别的agent都可能不良，
别人给你打个电话，是送生意给你，还要千恩万谢，
你给别人打个电话，还要对硅工横挑鼻子竖挑眼。
你找得这几个马甲，托儿，就象从李洪志那取到了经的信徒一样，
为了三四百块钱，小恩小惠，做得感激涕零，要么就是你肚里的
蛔虫，马匹派的比你自己吹得还给力。
还奖章牌坊，给你送钱，还怕闪了你腰，你的世界里的这些人
得是怎样的人？如果真有这样的人，不是被蒙骗了么。
湾区要做loan的，第一，Purchase loan就不该给你做。想都
不用想。第二Refinance loan， 货比三家，单干的华人agent,
板上多的是，说一声要做loan, 都会来招呼。也可以去俱乐部
直接找他们。 作loan的银行，好得就那几家，大家都一样，看
一眼就知道，两分钟都不要，利... 阅读全帖 |
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l****z
发帖数: 29846 | 40 By Melanie Hunter
May 4, 2012
(CNSNews.com) – Many college students are not earning enough to pay back
their student loans, because they choose majors that pay too little upon
graduation, and 15 percent of college grads are still paying back student
loans at age 50, Peter Morici, University of Maryland Economics Professor,
said Thursday.
College graduates owe on average $25,000 when they finish school, Morici
said, and in some cases, graduates can rack up debt close to six figures.
“You know, if... 阅读全帖 |
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e*******5
发帖数: 254 | 41 有达人说这车有什么问题吗？为什么为什么owner2在2007－2009年没有loan or lien
reported到了后来又有了？
车主说2009年就还清了贷款还给我show了title和银行的lien release. 可是为什么到
上个月还有loan or lien report？
Owner 1
Purchased: 2003
Type: Rental
Where: Illinois
Est. length owned: 6/20/03 - 10/25/04
(1 yr. 4 mo.)
Date: Mileage: Source: Comments:
04/14/2003 NICB Vehicle manufactured
and shipped to original dealer
06/20/2003 15 Illinois
Motor Vehicle Dept.
Chicago, IL
Title #T3171163001 Title issued or ... 阅读全帖 |
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m***h
发帖数: 15 | 42 人在加洲湾区, 计划买个好学区的condo. 今天找了一个朋友推荐的loan agent (不是
直接在银行里做的那种) 去做pre-approval. 也是我第一次和loan agent 打交道.
要我sign 了一堆loan application 的表, 因为我还没有开始看房, 所以表基本都是空
白的,只填写了一些个人的信息, 包括生日,SSN, 地址.. 但是要了我最近的银行
statement, pay sub and W2.
有些疑惑, 请问大家有人这样做过吗? 还没有看到自己要买的房子, 就预先把loan
application 的申请表先sign 了? 有危险吗? 要是以后改变注意, 不想用他了, 会有
麻烦吗?
我听说大部分人的lender 都是wells fargo, 于是就问这个agent, 他如何选择lender?
Agent 告诉我, 通常银行不喜欢贷款给condo (和SFH 比), 意思就是condo 的loan 比
SFH 的loan 要更难申请. 于是我就问, 你以前都是从哪里申请 condo 的loan 呢?
居然告诉了我从来没有听说过的 |
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t*******m
发帖数: 36 | 43 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: transworm (变形金刚虫), 信区: SanFrancisco
标 题: 买房贷款的问题：bank or loan agent? one or two?
发信站: BBS 未名空间站 (Sun Feb 7 15:57:23 2010, 美东)
关于loan agent，是直接去bank of america或 wells fargo 银行找loan officer，还
是找第三方独立的loan agent? 各有什么利弊？好像独立的loan agent能货比三家，但
不一定保证close，而且他们要收费，羊毛出在羊身上。去银行的优缺点相反，大家一
般怎么整？
如果贷款额大于417K,例如：550K,是一个loan好，还是一个417K,一个133K，好呢？我
的理解是，两个loan有两份费用，利率是底了，可额外的开销，算下来，一定更合算吗
？而且要找两个机构，这种情况close更麻烦，而且或者找一个load agent, 或者自己
找两家银行。这个情况，大家一般贷一个还是两个咯啊loan?
谢谢 |
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n*******9
发帖数: 3244 | 44 NEW YORK—Bank of America Corp. will exit the wholesale mortgage-lending
business Tuesday, limiting its dealings with mortgage brokers as it focuses
on loans made with consumers and large community banks.
But some fear the move could leave fewer options for consumers as they shop
for the most competitive mortgage rates.
The decision also leaves Wells Fargo & Co. as a main player in the wholesale
game, which lets consumers secure loans through mortgage brokers instead of
the bank directly. Last ye... 阅读全帖 |
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Z*********I
发帖数: 176 | 45 在谈一个大约 270k左右的house的offer，只想付5%的down payment，根据版上很多人
的建议，好像second loan (80-10-10 or 80-15-5)是一个可行的办法。但刚才电话问
了我的bank broker，他说second loan的第二个loan的rate大概要到7.5%左右，这样算
下来是不划算的。他建议做FHA loan，说比secon loan划算。
请问这个FHA和普通的loan有什么区别？
second loan利息能比first loan (现在4.5%-5%?)高那么多吗?
谢谢。 |
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s**********6
发帖数: 62 | 46 50万的房子，10%down
第一个地方说要借两个loan,先借417K，conventional fixed, 利率就是现在市场上，
是不是4.5左右，然后再借33K, home equity loan, 这个利率是不是不固定的？给我举
了个4.99做例子
有一些手续费
第二个地方是当地银行用自己储蓄资金借的morgage,15年fixed， 5.39% rate，无任何
手续费
哪个合算？我不会算啊，第一个是同时要还两个loan，第二家银行说如果我们有多余的
钱，就直接还到principle了
哪位高手，帮我算一下。
补充：
我们这里conventional loan是有上限的。所以必须借2nd loan。但是2nd loan才3万多，会很难批吗？
而且我这个2nd loan是home equity loan, 可以早还清吗？有penalty吗？ |
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j*******0
发帖数: 347 | 47 【 以下文字转载自 LA_Real_Estate_Mortgage 俱乐部 】
发信人: jingsun70 (洛城地产贷款), 信区: LA_Real_Estate_Mortgage
标 题: CA mortgage news - Shop for Loan Agents, Not Rates
发信站: BBS 未名空间站 (Mon Oct 31 14:01:06 2011, 美东)
Every consumer shops for mortgages and they should. But this is the critical
distinction: you should be shopping for the best mortgage advisor. If you
have that, you’ll get the best rate.
Here’s what happens when shoppers focused only on rate get quoted by a good
loan agent: Loan agent quotes a rate onl... 阅读全帖 |
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j********s
发帖数: 577 | 48 construction loan就是在建筑过程中的loan。和permanent loans（15年/30年/ARM）
的区别之一是construction loan是interests only，就是说你每月只付interests，不
付principal。区别之二是它一般只有12个月的lock rate，过了12个月房子还没建好并
拿到city发的certificate of occupancy，rate就要上浮。我当初lock的rate是12个月
内5.25%，12个月后7.25%，最长18~24个月。
construction loan是非常risky的。如果因为任何原因，你的房子18~24个月建不完，
你会被要求pay off全部construction loan。但是又没有银行会给没有certificate of
occupancy的房子做permanent refinance，或者再让你去贷另外一个construction loan，
所以破产是你的唯一选择---你的地会被银行收走。
construction loan一定要有construction insurance... 阅读全帖 |
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g********i
发帖数: 250 | 49 准备贷款500k 左右，我们这里的jumbo limit 是417K，现在貌似有两个选择：
Option 1. 全部贷jumbo loan，30年fixed, interest rate 4.25%，no point.
Option 2: 分两个loan, 第一个loan控制在jumbo loan limit一下，利息3.5%，no
point; 第二个loan 10 万左右，10年还清，利率是比prime interest rate 低 0.5%，
但是不能低于4.25%， 也就是说只要prime interest rate 不超过4.75%， 我的利率
就是4.25%。
问题如下：
1. 如果按照现在的prime interest rate, 明显是第二种方案更划算, broker说prime
interest rate 每个月最多只能涨0.125%， 按照现在的prime interest rate, 至少1
年之内可以保证是我的second loan 利率是4.25%，大家帮我确认下这个说法对吗？
2. 目前看来第二个方案更划算，大家觉得呢？第二个方案的利率够低吗？我在宾州。
... 阅读全帖 |
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I******A
发帖数: 426 | 50 Jumbo Loan是指贷款数额超过Fannie Mac和Freddie Mac允许的额度,它的利率通常要高
于普通贷款.
而且不同的county,定义Jumbo Loan的limit也不一样,像VA的Arlington, Fairfax,
Loudoun, Prince,william, Stafford, Warren这些county,loan amount超过$625,500
就算是Jumbo Loan.
不同lender对这种loan的叫法不完全一样,比如:
PF---称之为Jumbo Loan
SunTrust---称之为Key Loan
UWM----称之为Big&Easy Loan |
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