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】
: 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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