v**********E 发帖数: 145 | 1 第一个问题,如果loan broker和local银行都给15年fixed 4.25%的rate,大家选谁?
ld说最好选银行。
第二个问题,银行pre approval后,信上说final loan approved will be subjected
to the following conditions:
1.Satisfactory sales contract
2.Satisfactory appraisal
3.Satisfactory documentation of income and assets
4.Final underwriter review and approval of any and all conditions
以上几点里面的第4项,final underwriter review 是什么意思?是不是说我现在就算
preapproval了但还不能确定最终一定能贷到款? 我们主要是担心身份的问题,我是
H1B,ld现在在转H1B的过程中,他今年1月交的申请。
大家有没有和我们一样的情况贷到款的?谢谢。 | j***e 发帖数: 47 | 2 1. Broker may have better service
2. Pre-approval doesn't mean much at all.It just means you have certain
income. | g*k 发帖数: 194 | 3 as for 1.
you can ask your broker, what is yield spread premium (YSP, the back end
commission). By law, he/she must tell you about it. But bank or direct
lender does not have to disclose it. also get GFE to check closing cost.
for 2, I guess I797A is must-have one.
subjected
【在 v**********E 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 第一个问题,如果loan broker和local银行都给15年fixed 4.25%的rate,大家选谁? : ld说最好选银行。 : 第二个问题,银行pre approval后,信上说final loan approved will be subjected : to the following conditions: : 1.Satisfactory sales contract : 2.Satisfactory appraisal : 3.Satisfactory documentation of income and assets : 4.Final underwriter review and approval of any and all conditions : 以上几点里面的第4项,final underwriter review 是什么意思?是不是说我现在就算 : preapproval了但还不能确定最终一定能贷到款? 我们主要是担心身份的问题,我是
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