Living版 - 这个itemization of the amount financed正常么？ |
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w***y
发帖数: 6251 | 1 我今天收到disclosure package 看到里面写的itemization of the amount financed
prepaid finace changes: loan amount： 417k
origination charge $1590
prepaid interest $184.23
flood life of loan fee $19
tax service fee $65
escrow/loan tie in fee $1200
courier/msngr - 3rd party $75
TOTAL PREPAID FINANCE CHARGES: $3133.23
AMOUNT FINANCED $413,866.77
这个对头么？里头的$3133.23算是put the cost to your loan amt么？ 我这是
purchase loan | w***y
发帖数: 6251 | 2 我问了我们的buyer agent，她说贷款额是417k，loan agent put this amount into
your loan amount in order to save your cost
我怎么越来越糊涂了？ 为啥把这个cost算到loan amt里面反到save cost?
我们的情况是，现在的fico score低， 过几个月打算refi | w***y
发帖数: 6251 | 3 再附上GFE，大牛帮忙看一下吧。 如果不合理我们就去negotiate了
我们现在拿到的disclosure package， 里面有个3页的'good faith estimate'
里面列的
A origination charges 是1590
B your chages for all other settlement services 一共是 $8145, 包括
*$495 appraisal
*$2067 title service and lender's title insurance
*$1727 owner's title insurance
*$2248 initial deposit for your escrow account
*$870 homeowner's insurance
还有一些杂七杂八几十块钱的
我看A+B total estimated settelment charges要$9738.47
这些费用哪些是一般应该buyer付的，哪些是我找的loan agent不帮我cover的呀（
assume大部分broker都可以帮忙cover全部or |
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