j*******8
发帖数: 94 | 1 下周做inspection，30天内要带到款，下个月底close，33万的房子，20％downpay，30
年fix
现在可选的是：
1。agent推荐的两个broker
2。自己的银行：chase或citi，现在chase有个什么cash back promotion，不知道值不
值？
https://www.chase.com/chf/mortgage/mortgage-cash-back
3。学校里面的一些银行如boa，citizens，people's bank，说给学校雇员0。5到
1point，这个相当于多少rate呢？
值不值得为了这个开个账户呢？
关键是这个阶段很难比较，因为不知道closing cost上会差多少。是不是broker给的一
般都比较低呢？是老美。还有
broker给的贷款其实最后是不是还是从银行带？因为想用chase送united mileage，不
知道找broker还能不能享受这个
promotion？
1. Here is what chase gave me:
Application fee/appraisal fee: $395
Underwriting Fee: $295
Flood Determination Fee $14
Processing Fee $300
Courier Fee-Bank $30
Abstract or Title Fee $200
Attorney Fees $700
Title Insurance $995
Tax Service Fee $84
Recording Fees $200
Wire Transfer Fee $30
________________________
Total $3,243
And for BOA, they said BOA related cost ~$1700, non-BOA related $2300, so
total about $4000
Also, I am in connecticut.
2. And for the rate, I think I got it clear now, that they will buy us 2
points( which = 0.5% rate), today's rate,
they said is 4.375%, so that will be 3.875%. This is special promotion for
the faculty's in our school. So is
that very good? Then maybe I should save my time and energy to find a broker
and go with them? |
c**********e
发帖数: 1184 | 2 选一个有经验的mortgage broker，再通过他（她）选一家各种费用较低的escrow
company，是买房子贷款时省钱的良方。
比较mortgage broker和银行，可看他们都收多少Loan Origination Fee。当然是越低
越好。
30
【在 j*******8 的大作中提到】
: 下周做inspection，30天内要带到款，下个月底close，33万的房子，20％downpay，30
: 年fix
: 现在可选的是：
: 1。agent推荐的两个broker
: 2。自己的银行：chase或citi，现在chase有个什么cash back promotion，不知道值不
: 值？
: https://www.chase.com/chf/mortgage/mortgage-cash-back
: 3。学校里面的一些银行如boa，citizens，people's bank，说给学校雇员0。5到
: 1point，这个相当于多少rate呢？
: 值不值得为了这个开个账户呢？
|
j*******8
发帖数: 94 | 3 谢谢！是不是如果直接从银行走就没有escrow company的选择问题了呢？
今天问到BOA直接给学校雇员减0。5的rate，就是3。875％，已经低的不敢相信了，是
不是broker不会比这个低了呢？
各种费用一共要$4000, chase 只要$3200
【在 c**********e 的大作中提到】
: 选一个有经验的mortgage broker，再通过他（她）选一家各种费用较低的escrow
: company，是买房子贷款时省钱的良方。
: 比较mortgage broker和银行，可看他们都收多少Loan Origination Fee。当然是越低
: 越好。
:
: 30
|
c**********e
发帖数: 1184 | 4 1、不管通过broker做或直接从银行走，都需要有escrow comapny。银行也会选自己的
escrow company。注意要比较各项费用。如果你所有的closing costs都加起来才$3,
200的话，那是很不错的了。
2、15年固定买房贷款今天我们可以做到3.75%（当然还要看你的贷款额是多少）。
【在 j*******8 的大作中提到】
: 谢谢！是不是如果直接从银行走就没有escrow company的选择问题了呢？
: 今天问到BOA直接给学校雇员减0。5的rate，就是3。875％，已经低的不敢相信了，是
: 不是broker不会比这个低了呢？
: 各种费用一共要$4000, chase 只要$3200
|
j*******8
发帖数: 94 | 5 抱歉，我没有说清楚，$3200 and $4000这些是不包括prepaid tax and insurance的。
如果包括是6800－7000左右。
Is this high?
另外3。875％是no point 30年fix的rate. Isn't that very low?
Thanks again! |
c**********e
发帖数: 1184 | 6 1、一般讨论closing cost时，是不包括prepaid tax and insurance及pro-rated
interest的。你如果能把Chase给你报的closing costs一项项列出来，本版的各位大虾
们可以帮你评论评论；
2、30年固定利率3.875%？！惊呆中！
【在 j*******8 的大作中提到】
: 抱歉，我没有说清楚，$3200 and $4000这些是不包括prepaid tax and insurance的。
: 如果包括是6800－7000左右。
: Is this high?
: 另外3。875％是no point 30年fix的rate. Isn't that very low?
: Thanks again!
|
j*******8
发帖数: 94 | 7 Thank you very much!
1. Here is what chase gave me:
Application fee/appraisal fee: $395
Underwriting Fee: $295
Flood Determination Fee $14
Processing Fee $300
Courier Fee-Bank $30
Abstract or Title Fee $200
Attorney Fees $700
Title Insurance $995
Tax Service Fee $84
Recording Fees $200
Wire Transfer Fee $30
________________________
Total $3,243
And for BOA, they said BOA related cost ~$1700, non-BOA related $2300, so
total about $4000
Also, I am in connecticut.
2. And for the rate, I think I got it clear now, that they will buy us 2
points( which = 0.5% rate), today's rate,
they said is 4.375%, so that will be 3.875%. This is special promotion for
the faculty's in our school. So is
that very good? Then maybe I should save my time and energy to find a broker
and go with them?
Thank you!
【在 c**********e 的大作中提到】
: 1、一般讨论closing cost时，是不包括prepaid tax and insurance及pro-rated
: interest的。你如果能把Chase给你报的closing costs一项项列出来，本版的各位大虾
: 们可以帮你评论评论；
: 2、30年固定利率3.875%？！惊呆中！
|
c**********e
发帖数: 1184 | 8 因为我们不做麻省的贷款，所以不知你列的这些费用是否合理。但如果和南加州的
closing costs来比的话，总体上来讲还是相当低的。
至于你的超低利率，可真是好deal。其他要买房的会羡慕死。
【在 j*******8 的大作中提到】
: Thank you very much!
: 1. Here is what chase gave me:
: Application fee/appraisal fee: $395
: Underwriting Fee: $295
: Flood Determination Fee $14
: Processing Fee $300
: Courier Fee-Bank $30
: Abstract or Title Fee $200
: Attorney Fees $700
: Title Insurance $995
|
i*****a
发帖数: 7272 | 9 I am totally a green hand, my understanding is:
The points BOA gave (0.5%) can not be directly deducted from the loan rate 4
.375%
so it is not correct to calculate your rate as : 4.375-0.5=3.875%
this half point can only be counted as fee deduction. For example: if you
have 300,000 loan, 300,000x 0.5%=1500. So you can get $1,500 back in fees.
Not sure I am right though.
【在 j*******8 的大作中提到】
: Thank you very much!
: 1. Here is what chase gave me:
: Application fee/appraisal fee: $395
: Underwriting Fee: $295
: Flood Determination Fee $14
: Processing Fee $300
: Courier Fee-Bank $30
: Abstract or Title Fee $200
: Attorney Fees $700
: Title Insurance $995
|
j*******8
发帖数: 94 | 10 Yes, you are right. The promotion they give is 2 points not 0.5 points.
Thank you for your remind and
clarification!
4
【在 i*****a 的大作中提到】
: I am totally a green hand, my understanding is:
: The points BOA gave (0.5%) can not be directly deducted from the loan rate 4
: .375%
: so it is not correct to calculate your rate as : 4.375-0.5=3.875%
: this half point can only be counted as fee deduction. For example: if you
: have 300,000 loan, 300,000x 0.5%=1500. So you can get $1,500 back in fees.
: Not sure I am right though.
|
b*d
发帖数: 9308 | 11 BOA给的是0.5个Point,大概相当于0.125%的利率.
4
【在 i*****a 的大作中提到】
: I am totally a green hand, my understanding is:
: The points BOA gave (0.5%) can not be directly deducted from the loan rate 4
: .375%
: so it is not correct to calculate your rate as : 4.375-0.5=3.875%
: this half point can only be counted as fee deduction. For example: if you
: have 300,000 loan, 300,000x 0.5%=1500. So you can get $1,500 back in fees.
: Not sure I am right though.
|
d******n
发帖数: 2712 | 12 3.875%是很低了，别的地方如果没有这么低的rate，就去做吧。毕竟rate还是最重要的
。broker是不会帮客人买point的。但是在做之前一定要问问清楚他们到底offer的是什
么rate，总cost是多少。
另外，没觉得Chase的rate会好。Chase他们里面的人都是到别的银行办mortgage的。
mortgage rate跟是不是在那个银行开户似乎没有太大关系，除非对你们学校的雇员有
特别的优惠。 |
