w*******e
发帖数: 53 | 1 Wilddance: The following example + 3 months delay by California law +
several monthly delay by bank. We probably will not large quantity of good
area's house foreclosures before next year.
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Foreclosure Process Timeline
Example Timeline
1/2/2008 - January payment becomes past due.
2/2/2008 - February payment becomes past due - account is now due for 2
payments.
3/2/2008 - March payment becomes past due - account is now due for 3
payments.
3/... 阅读全帖 |
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x*****r
发帖数: 2404 | 2 基本情况：
一个人贷款，
title上两个人，
房子刚过户不久。
查了county deeds那边的mortgage纪录，
写的mortgagor是两个人的名字。
title公司给我的答复是，
“since the deed is in both names, the mortgage has to be in both names.
You are on the note alone.”
这个解释合理吗？
我的本能想法是，
一个人的贷款，
mortgagor就是一个人。 |
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O*********h
发帖数: 4674 | 3 Upfront Mortgage Insurance Premium
Effective for loans on or after October 4th, 2010, for FHA regular purchases
and refinance products, the Upfront Mortgage Insurance Premium is 1.00%,
which decreased from 1.5%. This amount remains unchanged.
FHA's monthly mortgage insurance payments will be automatically terminated
when these conditions occur:
For mortgages with terms 15 years and less and with Loan to Value ratios 90
percent and greater, annual premiums will be canceled when the Loan to Value
... 阅读全帖 |
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b******u
发帖数: 134 | 4 不一定，如果是30年的mortgage，则至少要交足5年。。。如果是15年或以下，
交到loan to value为78%以下就停：
http://www.fha.com/fha_requirements_mortgage_insurance.cfm
FHA's monthly mortgage insurance payments will be automatically terminated
when these conditions occur:
For mortgages with terms 15 years and less and with Loan to Value ratios 90
percent and greater, annual premiums will be canceled when the Loan to Value
ratio reaches 78 percent regardless of the amount of time the mortgagor has
paid the premiums.
For mortgages with ter... 阅读全帖 |
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s*****r
发帖数: 11545 | 5 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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m*******0
发帖数: 61 | 6 It's true if your mortgage terms are more than 30 years. If you use 15-year
mortgage, FHA seems better.
check this website: http://www.fhaloan.com/fha_mortgage_insurance.cfm
"FHA's monthly mortgage insurance payments will be automatically terminated
when these conditions occur:
•For mortgages with terms more than 15 years, the annual mortgage
insurance premiums will be canceled when the Loan to Value ratio reaches 78%
, provided the mortgagor has paid the annual premium for at least 5 year |
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N**s
发帖数: 1916 | 7 i have two loans with boa, both sold to them by smaller mortgagors.
i felt it is better to have a broker. |
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y***j
发帖数: 11235 | 8 这么高么？我还以为2000已经算高了，因为网上随便google的很多人说200K的房子全
cash买1000
以下，NY啥东西都高，我多估了一倍还不够呀?
查了下：http://voices.yahoo.com/guide-closing-costs-home-buyers-sellers-159163.html
买：
又研究了下纽约买房平均38XX，我们这里房价在纽约州算中等偏下，我买的房子的目标
价格也在这个地区算中等偏下，估计贷款3000？如果不贷款还能减个1000-2000usd
lender的费用？所以2000应该够了？
Typical Closing Costs for the Buyer in New York
1. Application fee. This fee is charged by all banks and mortgage brokers to
process your mortgage application.
0
2. Appraisal Fee. Your bank will require an appraisal of your intende... 阅读全帖 |
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b********3
发帖数: 994 | 9 啥都没有，银行会发个信给你，确认loan已经payoff了，同时会去county discharge你
的mortgage（这个操作不用你参与）。从此以后，你就不再是mortgagor了，public
record上面就没有银行的名字了。当然，要是你refinance，故事就再走一遍。 |
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L****n
发帖数: 240 | 10 自己找到了答案，跟大家分享一下。
有人说轰七八拢加起来，大致等于房子一年的property tax。不知道准不准。
（１）律师费
（２）银行贷款origination fee（也就一千以下）
（３）title company 的费用（这到底要多少钱真不明白）
（４）房屋保险（反正要出）
（５）纽约还有银行律师费
（６）有的银行要求一个月到三个月的payment放在独立帐户里
（７）有的银行要求三个月到半年的property tax放在独立帐户里
麻烦指点！一百万的房子多少万能够把closing fee搞定？我没有一百万，只是打个比
方。
Guide to Closing Costs for Home Buyers and Sellers in New York State
If you are buying or selling a house or real property in New York State, you
will incur closing costs. If you are buying a house and obtaining a
mortgage, thes... 阅读全帖 |
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l*********o
发帖数: 3091 | 11 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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I******D
发帖数: 256 | 12 co-purchaser = co-buyer = co-owner, 这个人可以不参与贷款!
除非及其个别的lender有特殊规定说owner和mortgagor必须一一对应。 |
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a*****m
发帖数: 395 | 13 确实有这样的lender要求purchaser和mortgagor必须一一对应吗？如果是的话，通常在
什么情况下lender才会提出这样的要求？
谢谢！ |
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I******D
发帖数: 256 | 14 确实有这样的Lender对所有的贷款申请都要求purchaser和mortgagor必须一一对应。 |
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t****g
发帖数: 35582 | 15 你要跟我签个合同，每年15%的return，用你的tangible asset做colateral，并且保证
仅次于IRS和house mortgagor的偿还优先级，我可以考虑。 |
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