G***y 发帖数: 1071 | 1 Loan broker昨天说银行同意贷款,这两天估计就要appraisal了。然后是什么流程?
最终是拿到loan contract吗?大概要用多少天?再到closing又要多久?Loan broker
,Agent said: don't worry, I will take care of it. 我现在就是两眼一麻黑,
google了一下流程,众说纷纭也不甚详细。 |
p**q 发帖数: 535 | 2 i had the same question and save the answer in my reply list
http://74.53.4.74/article0/Living/31663257_0.html
broker
【在 G***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Loan broker昨天说银行同意贷款,这两天估计就要appraisal了。然后是什么流程? : 最终是拿到loan contract吗?大概要用多少天?再到closing又要多久?Loan broker : ,Agent said: don't worry, I will take care of it. 我现在就是两眼一麻黑, : google了一下流程,众说纷纭也不甚详细。
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e********t 发帖数: 9607 | 3 做inspection,约定时间签字过户,搬家。
装修2年。然后就可以住了。
broker
【在 G***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Loan broker昨天说银行同意贷款,这两天估计就要appraisal了。然后是什么流程? : 最终是拿到loan contract吗?大概要用多少天?再到closing又要多久?Loan broker : ,Agent said: don't worry, I will take care of it. 我现在就是两眼一麻黑, : google了一下流程,众说纷纭也不甚详细。
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G***y 发帖数: 1071 | 4 Thanks for your link.
Basically we have finished offer-counter offer-acceptance-fund escrow-find
loan broker-loan approval(pre???)-appraisal(might not happen yet)-......
then don't know what's next. |
b********3 发帖数: 994 | 5 关于这个流程问题,我来总结一下:
1. Sign contract
2. Attorney review
3. Inspection
4. Finalized contract based on inspection result
5. Apply for mortgage loan
i. Appraisal report
ii. Underwriting process
iii. Approval and commitment letter issurance
iv. Buyer's attorney order title work
v. Clearance of conditions and schedule closing
6. Closing at buyer's attorney's office |
B***r 发帖数: 534 | 6 装修2年?!!!要扒倒了重盖?
【在 e********t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 做inspection,约定时间签字过户,搬家。 : 装修2年。然后就可以住了。 : : broker
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G***y 发帖数: 1071 | 7 Thank you, Bluestar23. The streamline is very helpful.
Seems we are at 5-I
【在 b********3 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 关于这个流程问题,我来总结一下: : 1. Sign contract : 2. Attorney review : 3. Inspection : 4. Finalized contract based on inspection result : 5. Apply for mortgage loan : i. Appraisal report : ii. Underwriting process : iii. Approval and commitment letter issurance : iv. Buyer's attorney order title work
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s*******a 发帖数: 921 | 8 觉得奇怪啊,lender还没有appraise房子怎么会approve loan呢?我们的loan是在
close前5天approve的。approve了以后就直接签字画押,交钱换钥匙了。难道加州买房
步骤不一样? |
r*********r 发帖数: 110 | 9 I think the同意贷款 mentioned in the OP is pre-approval, not UW approval.
【在 s*******a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 觉得奇怪啊,lender还没有appraise房子怎么会approve loan呢?我们的loan是在 : close前5天approve的。approve了以后就直接签字画押,交钱换钥匙了。难道加州买房 : 步骤不一样?
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s*******a 发帖数: 921 | 10 哦,看来各个地方的还真不一样啊。我们的经历来看,没有pre-approval,代理都不带
你看房。唉,总算是告一段落了,太辛苦了。 |
b********3 发帖数: 994 | 11 其实,新州也有这样的情况,只要两房觉得卖价是reasonable,有的情况下是不会要求
做appraisal report或者只要求drive-by来确认房子还在就可以了。
【在 s*******a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 觉得奇怪啊,lender还没有appraise房子怎么会approve loan呢?我们的loan是在 : close前5天approve的。approve了以后就直接签字画押,交钱换钥匙了。难道加州买房 : 步骤不一样?
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L******Y 发帖数: 8 | 12 If the apprasial value is lower than the price in the contract, the bank/
lender may not approve the mortgage. How could I do then? Ask the seller to
lower the price? How about the seller refuses to do so? |