s*********8
发帖数: 901 | 1 A few emails ago, I wrote about floating down the Colorado. At that time, we
were in the calms but we knew with certainty that there were some Class V
rapids ahead. The rapids are here now.
I have to admit that I did not see it coming (may be that will qualify me to
be the next Fed Chairman). While I opined earlier this year that the real
estate market will crash, I would never have guessed that it is a couple of
legal foreclosure technicalities that brought it down.
All foreclosure activities i... 阅读全帖 |
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j******3
发帖数: 508 | 2 I think this is the insurance for the mortgagee, not PMI. If the mortgagee
passes away, the mortgage will be paid off. |
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c*******y
发帖数: 3008 | 3 我估计你的loan broker在等HOA questionnaire， 你只要从seller agent那里问来
HOA management company project manager 的contact information， 就可以直接打
电话去催他/她填写这个questionnaire， 还有就是要HOA Insurance agent 的
information,从broker那里要来MORTGAGEE CLAUSE, 要insurance把 HOA INSURANCE
CERTIFICATEfax 过来（需要你的名字， mortgagee clause， mortgage loan amount
， loan#， property address）
需不需要律师， 是根据自己需要和州规定决定的， 你要是第一次买房， 又不懂这行
， 还是要一个比较放心。不过估计你的attorney review期已经过了， 律师只能帮你
在closing是解释一下doc和算算closing figure和税了。 向我以前干这行的， 当然可
以不用， 但是我们家老大， 胆子小， 一定要交 |
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m****n
发帖数: 174 | 4 那他是在Foreclosur的6个月之内就装修了末？
一般Foreclosure都会有6个月的Statutory Redemption的时间，在这段时间之内owner
或者junior mortgagee都可以要求赎回的，如果赎回,装修的花费你是不能recover的。
当然如果owner defualt的话，他们一般也不会有钱来赎回的，但是风险还是存在的；
尤其是有junior的mortgage, mortgagee一般都会要赎回的，要不然他的抵押贷款就会
被抹掉(wipe out).
买Foreclosure的房子还是有一些风险的，你不知道房子的titile是不是clean,有多少
的抵押贷款，还欠多少的地产税，有多少lien,有什末样的easement.不像买一般的房子
，purchase agreement上是要保证marketable title的。
MULTI |
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w********9
发帖数: 461 | 5 buyer要求我付以下费用:
All association transfer and related administrative fees and/or costs
affiliated with the transfer of property shall be paid by: seller
这个我们association transfer是175。我倒是没有问题。不知道还有别的transfer
fee没有？问了我的sale agent，她说没有。但是我看我买房子的时候，我作为buyer还
付了一个transfer taxes 有1300块。不知道这个算不算是transfer fee?
还有就是buyer有个条款关于title expenses。Cost of title seach or abstract,
mortgagee's plicy and owner's policy shall be paid as following:
title search or abstract and owner's policy paid by seller, mortgagee's... 阅读全帖 |
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发帖数: 1 | 6 mortgagee policy就是lender's title policy，mortgagee就是指lender
是的，owner's policy普遍要比lender's policy贵很多。
policy |
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s*****r
发帖数: 11545 | 7 Mortgagor: French
Property: France
Mortgagee: Jews
The French borrowed money from the Jews, using France as a collateral
security. It is a contract.
Death Contract of The Jews - As explained by a later post, the Noble Men
couldn't pay back what they owed Jews, so they slaughtered them. The
original financial arrangement turned out to be a contract which led to the
death of Jews. |
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a******e
发帖数: 36306 | 8 填了个loan application，不是final的，所以lender给的4.625的rate，只能拿来看着
乐乐，然后就是各种费用了，不知道都干啥的
Items payable in connection with loan
origination fee -----1% loan amount
attorney fee $250（我这部分估计我能用自己的attorney解决）
processing fee $395
underwriting review $395
Funding Fee $140
appraisal fee $400
credit report $25
Items required by lender to be paid in advance
Prepaid interst for 14 days
Hazard Insurance PIA for 12 months
Title Charges
Escrow/Settlement/Closing Fee $300
Mortgagee's Title Policy $300
Owner's Title Poli |
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d******n
发帖数: 2712 | 9 应该会通知pay off了的，而且应该把escrow的钱结算退回，另外，保险上的mortgagee
也应该取消掉了。title上可能也需要有改变吧，这个就不太清楚了。起码，银行要到
county去discharge mortgage的record。 |
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K********5
发帖数: 1986 | 10 保险上的取消 会让保险低一些吗？
呵呵
mortgagee |
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d******n
发帖数: 2712 | 11 如果两个房子相隔50 mile以上，且有足够理由说服underwriter接受其中之一是2nd
home，那么对贷款利率就没什么影响了。
关键不是贷款分别在两人名下，title和mortgagee上都会是两个人的名字的。银行是查
得到的。 |
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m*****n
发帖数: 341 | 12 如果title 和 mortgagee都只写一个人的名字，就是二人各字名下一套房子 贷款都分
别贷款，
因为现在房价便宜，可以在差一点的学区买个大房，再在好学区买个小房，这样兼备，
夫妻各买一套 不知到是否行得通。
如果有小孩了上学就在好的学区上学 |
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d******n
发帖数: 2712 | 13 在NJ，只要是married，夫妻双方的名字都要在mortgagee和title上，目的是为了防止
mortgage fraud。这样LZ的想法在NJ是行不通的了，一个是primary，另一个是
investment。 |
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d******n
发帖数: 2712 | 14 mortgagee上确实会是两个人的名字的，据说是为了防止mortgage fraud。 |
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c**********e
发帖数: 1184 | 15 正常，lender会要求保险公司出具evidence of insurance，这个evidence of
insurance不止是一个quote，上面会有lender的名字（mortgagee clause），loan
number等等。在贷款approve之前，贷款人不用把第一年的premium付给保险公司，这部
分钱在close的时候会和其它closing cost，down payment等等一起放在HUD上，到时贷
款人把这些钱一起付给escrow公司，escrow会把钱拆开disburse给保险公司。
对于coverage，一般来说dwelling coverage不能低于房子appraised value的20%,
Deductible一般不能高于贷款的1%，而且要有100% Replacement Cost Coverage.
大的保险公司都还不错，个人认为一个好的insurance agent很重要。 |
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w*********7
发帖数: 1718 | 16 你应该让保险公司将你的renewed insurance policy和bill 寄一份给新的lender，注
意通知保险公司要将mortgagee 做成新的lender，新Lender收到bill就会付款。你目前
的局面是两家公司沟通不畅造成的。good luck。 |
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l*********o
发帖数: 3091 | 17 Home seller.
Seller's real estate agent.
Title company representative.
Closing agent: This person conducts the meeting and makes sure all
documents are signed and fees and escrow payments paid.
Mortgagor (you).
Mortgagee (lender). |
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q********a
发帖数: 438 | 18 Appraisal 是对目前市场价格的参照，书面上说就是Appraiser的 opinion， seller
出价后，buyer接受，这就基本反映了当前的市场价格，同时，Appraiser 是应Lender
的要求进行Appraisal 的， 这也反映的一个潜在的雇佣关系，但是Appraiser的评估过
程是具有独立性的，lender 不能对其进行干预。 lender需要保证的是Appraisal 反映
合理的价格，具体点就是合同的成交价，除非合同成交价格太离谱。另外，在市场很
hot 的情况下，mls在30天左右的售出价格作为Appraiser 的重要参考依据。
因此lz的想法是有误区的，还有若lz 认为Appraisal 结果不正确，也可以向seller 提
出自行寻找Appraiser 再次评估， 但是Appraiser 需要seller 和seller 的相关利益
方（例如seller的mortgagee ）认可后，才能作为最后的依据，当然buyer 需要自行承
担这次的费用。
若你有另外的问题，也可以单独email我。 |
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e******e
发帖数: 118 | 19 最近在找房屋贷款， 请懂行的指教
is mortgagee title policy the same as lender's title policy?
if yes, does the lender's title policy cost much less compared to owner's
title policy, say lender's title policy costing about hundreds of dollars
and owner's
title policy costing about 3000-4000 dollars? |
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发帖数: 1 | 20 是的，mortgagee就是指lender。
Owner's title policy州和州的价格很不一样还要看多贵的房子，但是lender policy
只有几百刀而owner's policy几千刀也属正常。 |
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x***1
发帖数: 312 | 21 我买房已经接近close，在买过户房屋的保险，结果新的保险公司调出这个房子的保险
纪录，发现两年前claim过风灾换roof, 我好奇的是这个房主是不是真换过屋顶，按理
他换过应该在卖房时特别提一下， 这是加分的，因为房子已经14年的房龄了，新保险
公司把查到的纪录发给我，claim record 如下，大家帮我看看，会不会他claim过，把
保险的钱拿走了不换roof, 不然他卖房时会重点提这件事，邻居家卖房换过屋顶都是特
别提到的。
＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊＊
Risk/Subj Claim Data
RISK
CAT RELATED
CLUE File #: 1415753120001187
Policy Type: H
05/03/2014
2yrs-1mos
Insured/Risk
Address: XXXX DANETTE CT
XXXX, TX 77329
Mortgagee:
Claim Type Amount Paid
WIND/C $12239.00
Loan Numbe... 阅读全帖 |
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j****8
发帖数: 184 | 22 买房子时贷款有一个合同，说的是，如果foreclosure/Deed-in-lieu的情况下，
lender需不需要付6个月以后的delinquent HOA dues
我的贷款银行AGENT(lender)说肯定不需要他们负责，但是我要买的楼里management坚
持说lender需要付，现在卡在这一项上过不去
请问下大家有个买房经验的，这条是怎么解决的，有什么好的bypass或者解决方法，到
底是building还是bank错了
这是条例原文
In the event of foreclosure/Deep-in-lieu foreclosure/Short sale, is lender/
mortgagee responsible for more than 6 months of delinquent HOA dues?
Yes / No |
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i**********l
发帖数: 7 | 23 来美刚一年，怀宝宝中，没有去工作，所以没有SSN。买房时，因为没有SSN、查不了信
用记录，银行就只以老公名字办理了mortgage.房子的title也在他一人名下。
今年的绿卡申请已经到了biometrics这一步，移民局突然要求提供夫妻共同居住的证明
，比如说，共同签署的lease或者共同办理的mortgage.我们已经买了房，当然只能考虑
后者。
去银行说了背景情况，问能否开张证明，说明没有把夫妻共同作为mortgagees，是因为
妻子没有SSN。银行mortgage部门请示了半天还是拒绝了，理由是没有出过这种
informal statement.
请教各位：有没有碰到过这种情况？有没有替代性办法可以如何解决？谢谢！ |
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m*****5
发帖数: 52 | 24 www.zillow.com 查询房价
Mortgagee可能会要求你买Condo Insurance
请联系都市保险孙先生，我可以给你几家A级保险公司的报价
都市保险
215-525-1019(孙先生）
m**[email protected] |
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w*******e
发帖数: 1588 | 25 During mortgage loan application, there are too many pages to print out,
sigh, scan, and email back. If you know of any mortgagee agent can offer e-
sign on these paperwork, could you recommend to us? |
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W******8
发帖数: 725 | 26 在网上看到的，觉得对第一次买房的会有帮助。
Buying a home in Texas is similar to purchasing a home in some of the other
states and very different from yet other states.
Texas is one of nine community property states. Generally speaking, a
community property state is a state in which property accumulated during a
marriage (other than by gift or inheritance or property owned by one spouse
prior to the marriage), is equally owned by each spouse.
Texas homeowners may apply for a Homestead Exemption on their principal
re... 阅读全帖 |
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p**p
发帖数: 2493 | 27 在网上看到的，觉得对第一次买房的会有帮助。
Buying a home in Texas is similar to purchasing a home in some of the other
states and very different from yet other states.
Texas is one of nine community property states. Generally speaking, a
community property state is a state in which property accumulated during a
marriage (other than by gift or inheritance or property owned by one spouse
prior to the marriage), is equally owned by each spouse.
Texas homeowners may apply for a Homestead Exemption on their principal
re... 阅读全帖 |
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e******e
发帖数: 118 | 28 最近在找房屋贷款， 请懂行的执教：
is mortgagee title policy the same as lender's title policy?
if yes, does the lender's title policy costs less compared to owner's policy
, say lender's title policy costing about hundreds of dollars and owner's
title policy costing about 3000-4000 dollars? |
|
