b***r 发帖数: 233 | 1 做了appraisal, 得出结果房子value的80% 低于要贷款额. 这样还能贷下来吗? 是不是
一定要补上差价? |
b********4 发帖数: 442 | 2 是的,不然要付mortgage insurance
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 做了appraisal, 得出结果房子value的80% 低于要贷款额. 这样还能贷下来吗? 是不是 : 一定要补上差价?
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s*8 发帖数: 1933 | 3 不补差价当然也可以贷下来,但是原来的GFE肯定不行了。你要交更高的rate和PMI。
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 做了appraisal, 得出结果房子value的80% 低于要贷款额. 这样还能贷下来吗? 是不是 : 一定要补上差价?
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b*d 发帖数: 9308 | 4 是的,要补上差价才可以。
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 做了appraisal, 得出结果房子value的80% 低于要贷款额. 这样还能贷下来吗? 是不是 : 一定要补上差价?
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o*******h 发帖数: 185 | 5 做HARP
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 做了appraisal, 得出结果房子value的80% 低于要贷款额. 这样还能贷下来吗? 是不是 : 一定要补上差价?
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b*d 发帖数: 9308 | 6 HARP有很多要求的条件,不是每个客人都满足条件的。
【在 o*******h 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 做HARP
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k******o 发帖数: 3328 | 7 一定要补上差价,或PMI,或HARP如果qualify.
20% downpayment is minimum for most refinance program without PMI.
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 做了appraisal, 得出结果房子value的80% 低于要贷款额. 这样还能贷下来吗? 是不是 : 一定要补上差价?
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p******y 发帖数: 3523 | 8 没什么好的办法,除非能找到有说服力的comparable,去argue appraisal value。 |
b********2 发帖数: 5191 | 9 是要补上,否则要交mortgage insurance |
b***r 发帖数: 233 | 10 loan agent给出了几个option, 第一就是补上那个appraisal和贷款额的差价,make it
80% financed. 另一个是 use the Making Homes Affordable Program. Agent说保持
我们的rate不变, 并且不需要交mortgage insurance, 因为我们买房时候没交. 这个新
的loan must be secured with Fannie Mae.
大家帮忙看看这个Making Homes Affordable Program有什么disadvantage没有? |
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b*d 发帖数: 9308 | 11 保持你的Rate不变,那就没有必要做Refinance了。
it
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : loan agent给出了几个option, 第一就是补上那个appraisal和贷款额的差价,make it : 80% financed. 另一个是 use the Making Homes Affordable Program. Agent说保持 : 我们的rate不变, 并且不需要交mortgage insurance, 因为我们买房时候没交. 这个新 : 的loan must be secured with Fannie Mae. : 大家帮忙看看这个Making Homes Affordable Program有什么disadvantage没有?
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k******o 发帖数: 3328 | 12 What is the material benefits after refinancing besides wastering your
mortgage interest if the new rate is the same as old one?
it
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : loan agent给出了几个option, 第一就是补上那个appraisal和贷款额的差价,make it : 80% financed. 另一个是 use the Making Homes Affordable Program. Agent说保持 : 我们的rate不变, 并且不需要交mortgage insurance, 因为我们买房时候没交. 这个新 : 的loan must be secured with Fannie Mae. : 大家帮忙看看这个Making Homes Affordable Program有什么disadvantage没有?
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b***r 发帖数: 233 | 13 嗯,我的意思是,保持我们lock的那个refinance的rate不变, 不是那个old rate.
【在 k******o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : What is the material benefits after refinancing besides wastering your : mortgage interest if the new rate is the same as old one? : : it
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f*****i 发帖数: 3558 | 14 how about closing cost and any other fee related to "aking Homes Affordable
Program"
it
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : loan agent给出了几个option, 第一就是补上那个appraisal和贷款额的差价,make it : 80% financed. 另一个是 use the Making Homes Affordable Program. Agent说保持 : 我们的rate不变, 并且不需要交mortgage insurance, 因为我们买房时候没交. 这个新 : 的loan must be secured with Fannie Mae. : 大家帮忙看看这个Making Homes Affordable Program有什么disadvantage没有?
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b***r 发帖数: 233 | 15 谢谢, 这个是得问清楚那个代理..
Affordable
【在 f*****i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : how about closing cost and any other fee related to "aking Homes Affordable : Program" : : it
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b*d 发帖数: 9308 | 16 而且你要问问你是不是符合DU Refi的条件。
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢, 这个是得问清楚那个代理.. : : Affordable
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b***r 发帖数: 233 | 17 谢谢bed.
google了以下HARP的条件:
You may be eligible for HARP if you meet all of the following criteria:
•The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae
.
•The mortgage must have been sold to Fannie Mae or Freddie Mac on or
before May 31, 2009.
•The mortgage cannot have been refinanced under HARP previously unless
it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
•The current loan-to-value (LTV) ratio must be greater than 80%.
•The borrower must be current on the mortgage at the time of the
refinance, with no late payment in the past six months and no more than one
late payment in the past 12 months.
第二条那个2009年5月31日的条件不满足啊. 但我们的loan agent 说我们可以用HARP.
我问Making home affordable program是什么, 她说is the exactly the same as
HARP. 我已经confuse了.
话说, appraisal的结果也没底很多, 如果补上$2000, 就可以不用那些HAPR什么的了.
这样的话, 是不是就补上算了? 搞这些政府资助的program, 会不会以后有什么不好的
后果?
【在 b*d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 而且你要问问你是不是符合DU Refi的条件。
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k******o 发帖数: 3328 | 18 不知道你的loan principle, $2000 不是很多. Govenment program does not have
the major negative impacts later on (except you might be ineligible to be
refinanced again).
If you could do either, please consider the best rate/rebate program.
Mae
unless
2009.
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢bed. : google了以下HARP的条件: : You may be eligible for HARP if you meet all of the following criteria: : •The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae : . : •The mortgage must have been sold to Fannie Mae or Freddie Mac on or : before May 31, 2009. : •The mortgage cannot have been refinanced under HARP previously unless : it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009. : •The current loan-to-value (LTV) ratio must be greater than 80%.
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b***r 发帖数: 233 | 19 Thanks, Kellyguo.
我们现在本金还有26万多没还, 当时付了20% 首付, 每个月也没多还...
【在 k******o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 不知道你的loan principle, $2000 不是很多. Govenment program does not have : the major negative impacts later on (except you might be ineligible to be : refinanced again). : If you could do either, please consider the best rate/rebate program. : : Mae : unless : 2009.
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b*d 发帖数: 9308 | 20 $2000还好了,如果你不Qualify HARP的话,就Pay down $2000好了。
Mae
unless
2009.
【在 b***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢bed. : google了以下HARP的条件: : You may be eligible for HARP if you meet all of the following criteria: : •The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae : . : •The mortgage must have been sold to Fannie Mae or Freddie Mac on or : before May 31, 2009. : •The mortgage cannot have been refinanced under HARP previously unless : it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009. : •The current loan-to-value (LTV) ratio must be greater than 80%.
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b********2 发帖数: 5191 | 21 楼上说的是, 多付2000是最简单的解决办法,同时对15%来说,75%和80%没区别 |