m****6
发帖数: 8689 | 1 可以不找loan officer吗?
不喜欢原来那个officer，爱理不理的，让她赚钱好像还欠她什么似的。
我就纳闷了，为什么贷款还要花钱找个agent，自己找去银行，提供资料，和银行里的
人谈好利息，公事公办，这样可以吗？ |
r*z
发帖数: 1679 | 2 there are 3 types of persons you can talk to in the market.
1) mortgage broker. they sell "mortgage" like merchants. they buy at one
price and sell at another price. they make money from those transactions.
they don't even need to disclose what they make except the laws in some
states (i am not aware of any in GA).
2) mortgage agent. they don't buy "mortgage" until the borrows are fine with
the nature of the loan (rate, term, etc.) that they are able to lock in.
they are more of service-oriented
【在 m****6 的大作中提到】
: 可以不找loan officer吗?
: 不喜欢原来那个officer，爱理不理的，让她赚钱好像还欠她什么似的。
: 我就纳闷了，为什么贷款还要花钱找个agent，自己找去银行，提供资料，和银行里的
: 人谈好利息，公事公办，这样可以吗？
|
m****6
发帖数: 8689 | 3 写的好详细啊，太谢谢了。
BTW,我对你最后一句话最感兴趣了。去了SUNTRUST结果怎样？人家也给了你合适的利息
，又不收你3%的COMMISSION费吧？
我是想在原来的银行做REFIN，和他谈谈更低的利息。不想白白让LOAN OFFICER赚佣金
，付给她的几千块，等于白省了一年。 |
r*z
发帖数: 1679 | 4 i don't know where you came up with that 3% number.
they receive their compensation from the lender and also the borrower. they
don't usually disclose the markup they use. it's all negotiable on the
borrower end.
【在 m****6 的大作中提到】
: 写的好详细啊，太谢谢了。
: BTW,我对你最后一句话最感兴趣了。去了SUNTRUST结果怎样？人家也给了你合适的利息
: ，又不收你3%的COMMISSION费吧？
: 我是想在原来的银行做REFIN，和他谈谈更低的利息。不想白白让LOAN OFFICER赚佣金
: ，付给她的几千块，等于白省了一年。
|
m****6
发帖数: 8689 | 5 可能我记错了，我记得是贷款额的3%给loan officer 的。
等我有空自己去和银行谈谈再说，
赫赫。。省钱不容易阿
they
【在 r*z 的大作中提到】
: i don't know where you came up with that 3% number.
: they receive their compensation from the lender and also the borrower. they
: don't usually disclose the markup they use. it's all negotiable on the
: borrower end.
|
