m*****d
发帖数: 234 | 1 银行的人估价$972，
然后total origination charge $1749
这个多还是reasonable? |
b*****8
发帖数: 1060 | 2 不就一个loan origination charge 吗？ 为什么还要total？ |
b*d
发帖数: 9308 | 3 是银行的underwriting加上贷款公司的processing fee，有时候买的point也在里面。
【在 b*****8 的大作中提到】
: 不就一个loan origination charge 吗？ 为什么还要total？
|
s***a
发帖数: 299 | 4 How much u borrow for how long ?
mine is total $1700. but I only borrowed 80k for 10 years.
I was told u can lower it down if u borrow more.
【在 m*****d 的大作中提到】
: 银行的人估价$972，
: 然后total origination charge $1749
: 这个多还是reasonable?
|
b*d
发帖数: 9308 | 5 那里面应该有你付的point。
【在 s***a 的大作中提到】
: How much u borrow for how long ?
: mine is total $1700. but I only borrowed 80k for 10 years.
: I was told u can lower it down if u borrow more.
|
k******o
发帖数: 3328 | 6 What is the next origination charge (after credit)? Normally around $1000
without processing fee and point.
【在 m*****d 的大作中提到】
: 银行的人估价$972，
: 然后total origination charge $1749
: 这个多还是reasonable?
|
s***a
发帖数: 299 | 7 no point. but this is the total fell. no others like underwriting, admin
etc. I do not think it is cheap, but I think it is an everage price .
Another local credit union charges $300 more for the same interest, but I
can reduce $1000 by taking higher interest.
【在 b*d 的大作中提到】
: 那里面应该有你付的point。
|
p******y
发帖数: 3523 | 8 各个lender是不一样的，基本是接受现实，没什么可以讨价还价的。多问几个lender或
broker比较一下吧。 |
b*d
发帖数: 9308 | 9 origination包括underwriting在里面了，只是GFE上面不叫underwriting fee。
【在 s***a 的大作中提到】
: no point. but this is the total fell. no others like underwriting, admin
: etc. I do not think it is cheap, but I think it is an everage price .
: Another local credit union charges $300 more for the same interest, but I
: can reduce $1000 by taking higher interest.
|
m*****d
发帖数: 234 | 10 38W, for 30years.
看了各位回帖，没法还价，除非换个代理，
如果是reason的价位，就不折腾了
【在 s***a 的大作中提到】
: How much u borrow for how long ?
: mine is total $1700. but I only borrowed 80k for 10 years.
: I was told u can lower it down if u borrow more.
|
|
|
b*d
发帖数: 9308 | 11 我觉得这个价钱正常.
【在 m*****d 的大作中提到】
: 38W, for 30years.
: 看了各位回帖，没法还价，除非换个代理，
: 如果是reason的价位，就不折腾了
|
s***a
发帖数: 299 | 12 feels ok.
My understanding u can get lower origination fee if you borrow more money(
which u did), but the bank will make your interest higher. so u have to
decide to choose between lower origination fee or lower interest.
【在 m*****d 的大作中提到】
: 38W, for 30years.
: 看了各位回帖，没法还价，除非换个代理，
: 如果是reason的价位，就不折腾了
|
b*d
发帖数: 9308 | 13 是的,就好像是在卖point.
【在 s***a 的大作中提到】
: feels ok.
: My understanding u can get lower origination fee if you borrow more money(
: which u did), but the bank will make your interest higher. so u have to
: decide to choose between lower origination fee or lower interest.
|
m*******r
发帖数: 595 | 14 Ours is the same with yours. We found brokers with lower origination charge
but their rates were also higher.
【在 m*****d 的大作中提到】
: 银行的人估价$972，
: 然后total origination charge $1749
: 这个多还是reasonable?
|
s***a
发帖数: 299 | 15 they do not call it point here, I think they call it loaner give you some "
credit". I never get it due to my small amount loan, but that is what I am
thinking.
【在 b*d 的大作中提到】
: 是的,就好像是在卖point.
|
