h**********e 发帖数: 413 | 1 http://www.mortgagerateauctions.com/
请支持,提意见。
user name: guest
password: demodemo
可以测试listing. 如果真要listing,要register. |
H******7 发帖数: 34403 | |
a**s 发帖数: 1398 | 3 没意见不好,有意见可以保留。
【在 H******7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 很好,没意见
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h**********e 发帖数: 413 | 4 主席和啊皮不要客气,欢迎提建议。
我是在过去几年做了几次refinance,感觉到这个agent和agent 咋差得那末多,多打一
个电话能差两千块。这个网站仿照ebay,公开listing and 公开bidding,让customer用
几分钟listing 就拿到最好的mortgage deal. 这省钱不比groupon就省几块钱有用多了。
免费listing.
【在 a**s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 没意见不好,有意见可以保留。
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H******7 发帖数: 34403 | 5 那我就不客气地问一下:如何保证信息真实?不怕人捣乱?
【在 h**********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 主席和啊皮不要客气,欢迎提建议。 : 我是在过去几年做了几次refinance,感觉到这个agent和agent 咋差得那末多,多打一 : 个电话能差两千块。这个网站仿照ebay,公开listing and 公开bidding,让customer用 : 几分钟listing 就拿到最好的mortgage deal. 这省钱不比groupon就省几块钱有用多了。 : 免费listing.
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h**********e 发帖数: 413 | 6 谢谢。
1. 如果要listing, 要电话verification. borrower 要input 电话number, 一分钟电话verify. Agent也要verify (agent verification 容易些).
2. free listing. However, encourage borrower put down 18 dollars as earnest money, then their listings get highlighted and agents know they are absolutely serious. Finance 成功后,return这个 earnest fee.
不过,earnest fee 还是自愿的
【在 H******7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 那我就不客气地问一下:如何保证信息真实?不怕人捣乱?
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H******7 发帖数: 34403 | 7 agent那边呢?怎么保证不恶性竞争?假冒的呢?
【在 h**********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢。 : 1. 如果要listing, 要电话verification. borrower 要input 电话number, 一分钟电话verify. Agent也要verify (agent verification 容易些). : 2. free listing. However, encourage borrower put down 18 dollars as earnest money, then their listings get highlighted and agents know they are absolutely serious. Finance 成功后,return这个 earnest fee. : 不过,earnest fee 还是自愿的
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h**********e 发帖数: 413 | 8 1. 如果要listing, 要电话verification. borrower 要input 电话number, 一分钟电
话verify. Agent也要verify phone number.
2. free listing. However, encourage borrower put down 18 dollars as earnest
money, then their listings get highlighted and agents know they are
absolutely serious. 如果没有达到你的reserve, 不会charge 这个earnest fee.
Finance 成功后,return这个 earnest fee.
不过,earnest fee 还是自愿的。
agent 那边容易点,要verify license,如果捣乱,就踢出去。另外,如果bid 成功,
要付a small fee所以谁也不会随便bid.
【在 H******7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : agent那边呢?怎么保证不恶性竞争?假冒的呢?
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H******7 发帖数: 34403 | 9 主意不错。
不过:
据说现在agent挣多少钱国会都基本上框住了,agent主要是拼服务和人品。你这个bid
拼价格,不是
重点啊。想想法子。
earnest
【在 h**********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 1. 如果要listing, 要电话verification. borrower 要input 电话number, 一分钟电 : 话verify. Agent也要verify phone number. : 2. free listing. However, encourage borrower put down 18 dollars as earnest : money, then their listings get highlighted and agents know they are : absolutely serious. 如果没有达到你的reserve, 不会charge 这个earnest fee. : Finance 成功后,return这个 earnest fee. : 不过,earnest fee 还是自愿的。 : agent 那边容易点,要verify license,如果捣乱,就踢出去。另外,如果bid 成功, : 要付a small fee所以谁也不会随便bid.
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w*******g 发帖数: 9932 | 10 How about
1. protect user privacy
2. prevent fraud from both ends
3. verify security of the transaction and end user.
4. achieve efficiency in transaction and economy of scale
Phone verification is not credible. You may get into trouble with regulators
since loan and real-estate dealings require business licenses.
This is not a bad idea but you need to address these serious problems so you
have a shot of success.
For the last point, loan seekers usually search for loan rates and then talk
to
the lowerest bidder. The opposite is not usual since the actual loan rate
depends a lot on the characteristics of the loan. I am not saying this can't
be a good
business model except that you need to have a big base of loan providers (
bidders) for this to work.
earnest
【在 h**********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 1. 如果要listing, 要电话verification. borrower 要input 电话number, 一分钟电 : 话verify. Agent也要verify phone number. : 2. free listing. However, encourage borrower put down 18 dollars as earnest : money, then their listings get highlighted and agents know they are : absolutely serious. 如果没有达到你的reserve, 不会charge 这个earnest fee. : Finance 成功后,return这个 earnest fee. : 不过,earnest fee 还是自愿的。 : agent 那边容易点,要verify license,如果捣乱,就踢出去。另外,如果bid 成功, : 要付a small fee所以谁也不会随便bid.
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h**********e 发帖数: 413 | 11 咳,我的两个agent朋友都说换汤不换药,他们还和以前一样,没什么变化。上有计策
,下有对策。
不过agent们可能不太like我这个主意吧,但是想想ebay, 卖家也不用费劲找买家了,
薄利多销。对大家都好。
bid
【在 H******7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 主意不错。 : 不过: : 据说现在agent挣多少钱国会都基本上框住了,agent主要是拼服务和人品。你这个bid : 拼价格,不是 : 重点啊。想想法子。 : : earnest
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w*******g 发帖数: 9932 | 12 ebay model doesn't work. It is going downhill.
Again, your website is nice but I think serious consideration is necessary
to
make it work
【在 h**********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 咳,我的两个agent朋友都说换汤不换药,他们还和以前一样,没什么变化。上有计策 : ,下有对策。 : 不过agent们可能不太like我这个主意吧,但是想想ebay, 卖家也不用费劲找买家了, : 薄利多销。对大家都好。 : : bid
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b*d 发帖数: 9308 | 13 怎么查borrower是不是Qualify呢?
【在 h**********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : http://www.mortgagerateauctions.com/ : 请支持,提意见。 : user name: guest : password: demodemo : 可以测试listing. 如果真要listing,要register.
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h**********e 发帖数: 413 | 14 查了我的loan application form, 基本上listing 内容都cover 了。have to suppose
listing is true. 就像ebay 也只能suppose listing is true 了。
Bidding 成功后要马上要SSN填一个formal lock agreement.
就像我打电话说我的情况拿到一个estimate。然后要SSN填表好像只是一个过程,如果
情况符实,rate和cost也不会变.
【在 b*d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 怎么查borrower是不是Qualify呢?
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h**********e 发帖数: 413 | 15 Good points.
用户可以list a list of interested 利率和年限, 然后最后在所有的bidding
results中选一个。
regulators
you
talk
【在 w*******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : How about : 1. protect user privacy : 2. prevent fraud from both ends : 3. verify security of the transaction and end user. : 4. achieve efficiency in transaction and economy of scale : Phone verification is not credible. You may get into trouble with regulators : since loan and real-estate dealings require business licenses. : This is not a bad idea but you need to address these serious problems so you : have a shot of success. : For the last point, loan seekers usually search for loan rates and then talk
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