x*********s 发帖数: 37 | 1 First time home buyer. Would appreciate it if someone can provide me some
comments to see if the following costs are reasonable:
Property location: MD;
Loan Amount:$280,000;
Interest rate: 3.5%, 15-yr fixed, no points
Loan Charges:
(1) Loan Origination Fee: $0
(2) Appraisal Fee: $405
(3) Credit Report: $22
(4) Tax Related Service Fee: $57
(5) Processing Fee: $375
(6) Underwriting Fee: $795
(7) Wire Transfer Fee: $17
MERS FEE: $7
COURIER/DU: $30
Title Charges:
(1) Closing/Escrow Fee: $621
(2) Title Insurance: $2500
Government Recording/Transfer Charges:
(1) Recording Fees: $80
(2) City/County Tax/Stamps: $xxxx
(3) State Tax/Stamps: $xxxx
Additional Charges
(1) Pest Inspection
Survey $200
TOTAL: ~$5100 (excluding City/County/State taxes) |
n****8 发帖数: 1716 | 2 Processing Fee: $375 (有可能高了些)
Underwriting Fee: $795 (有可能高了些)
Closing/Escrow Fee: $621 (这里面有什么?)
Title Insurance: $2500 (高了些)
Pest Inspection Survey $200 (一定要吗?) |
x*********s 发帖数: 37 | 3 Thanks, nj2008. I will ask the broker and will compare it to another
estimate I am requesting. The Survey charge of $200 in the next line
folloing the Pest Inspection, I assume it is for Land Survey.
【在 n****8 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Processing Fee: $375 (有可能高了些) : Underwriting Fee: $795 (有可能高了些) : Closing/Escrow Fee: $621 (这里面有什么?) : Title Insurance: $2500 (高了些) : Pest Inspection Survey $200 (一定要吗?)
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d******n 发帖数: 2712 | 4 我个人感觉,费用还成。当然对MD的州规定不熟,因为没收Loan Origination Fee,在
process里面赚回来些是可以理解的。对于买房来说,survey是一定要做的,否则
investor没有保障。title insurance里除了lender's title insurance 还可能有
owner's title insurance,已经title search的费用。undrewriting fee一般是
investor的规定,broker没有自己的in-house underwriter,investor要多少是多少了
。 |
x*********s 发帖数: 37 | 5 多谢dypanpan!昨天打了几个电话,包括settlement公司,还要了另外2个estimates,
感觉这个代理还比较合理,已经定下让她做了了。
dypanpan,你说的survey是指land survey吗?你说"survey是一定要做的,否则
investor没有保障",可以详细解释以下吗?昨天打电话给指定的settlement公司,他们
的charge里好像不包括survey ($200),我回头再打电话让他们加上survey。
【在 d******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我个人感觉,费用还成。当然对MD的州规定不熟,因为没收Loan Origination Fee,在 : process里面赚回来些是可以理解的。对于买房来说,survey是一定要做的,否则 : investor没有保障。title insurance里除了lender's title insurance 还可能有 : owner's title insurance,已经title search的费用。undrewriting fee一般是 : investor的规定,broker没有自己的in-house underwriter,investor要多少是多少了 : 。
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b*d 发帖数: 9308 | 6 我的第一感觉就是Title Insurance比较高。
【在 x*********s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : First time home buyer. Would appreciate it if someone can provide me some : comments to see if the following costs are reasonable: : Property location: MD; : Loan Amount:$280,000; : Interest rate: 3.5%, 15-yr fixed, no points : Loan Charges: : (1) Loan Origination Fee: $0 : (2) Appraisal Fee: $405 : (3) Credit Report: $22 : (4) Tax Related Service Fee: $57
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x*********s 发帖数: 37 | 7 刚开始我也有同感,但问了一些人后,感觉基本上是固定的,MD Montgomery区基本
上是$4*千位数的房价,所以感觉没有太大的讨价还价的余地,至少在这个区。
【在 b*d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我的第一感觉就是Title Insurance比较高。
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D****9 发帖数: 10889 | 8 why not townhouse or condo? |
m**********9 发帖数: 47 | 9 我的title也是2100,看了很多朋友的也是2000多,还不算离谱,appraisal时375,也
算好呢。我的closing 有5800多,不过有一部分是broker出,所以还好点。 |
P****E 发帖数: 111 | 10 Why有的broker estimate只收$100的Processing fee, 会不会太假了? |
b*d 发帖数: 9308 | 11 如果是Broker自己process的话,可能会少收一点钱,然后在其他地方赚回来。所以你
要看总共的Cost和利率,然后作比较。
【在 P****E 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Why有的broker estimate只收$100的Processing fee, 会不会太假了?
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