l****G 发帖数: 1197 | 1 打算refi,no cost, 15yr fixed 3.25%
大家帮我看看应该付这些么, 多谢。
GFE问题:
1:title services and lender title insurance: 这个必须么?我以前close时买过
,refi还要在买么?
2: transfer taxes: 这个也要自己付么?
3: homeowner's insurance: 我以前的保险还有效,这个refi时还要买么?
现在看来我要付:
1,appraisal, (这个broker 会以后返回)
2. title services and lender title insurance
3.government recording charges
4. transfer taxes
5. escrow account
6. daily interest charges
7. homeowner insurance
broker 付
1. origination charge
大家是怎么样的?
多谢 |
b********2 发帖数: 5191 | |
k******o 发帖数: 3328 | 3 现在看来我要付:
1,appraisal, (这个broker 会以后返回)
2. title services and lender title insurance (part of closing cost)
3.government recording charges (part of closing cost)
4. transfer taxes (depends on your state)
5. escrow account (paid by borrower)
6. daily interest charges (paid by borrower)
7. homeowner insurance (you need this coverage, paid by borrower)
【在 l****G 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 打算refi,no cost, 15yr fixed 3.25% : 大家帮我看看应该付这些么, 多谢。 : GFE问题: : 1:title services and lender title insurance: 这个必须么?我以前close时买过 : ,refi还要在买么? : 2: transfer taxes: 这个也要自己付么? : 3: homeowner's insurance: 我以前的保险还有效,这个refi时还要买么? : 现在看来我要付: : 1,appraisal, (这个broker 会以后返回) : 2. title services and lender title insurance
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l****G 发帖数: 1197 | 4 Thanks,
【在 k******o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 现在看来我要付: : 1,appraisal, (这个broker 会以后返回) : 2. title services and lender title insurance (part of closing cost) : 3.government recording charges (part of closing cost) : 4. transfer taxes (depends on your state) : 5. escrow account (paid by borrower) : 6. daily interest charges (paid by borrower) : 7. homeowner insurance (you need this coverage, paid by borrower)
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b*d 发帖数: 9308 | 5 其实这些费用谁来付都写在你的contract里面了。
【在 l****G 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 打算refi,no cost, 15yr fixed 3.25% : 大家帮我看看应该付这些么, 多谢。 : GFE问题: : 1:title services and lender title insurance: 这个必须么?我以前close时买过 : ,refi还要在买么? : 2: transfer taxes: 这个也要自己付么? : 3: homeowner's insurance: 我以前的保险还有效,这个refi时还要买么? : 现在看来我要付: : 1,appraisal, (这个broker 会以后返回) : 2. title services and lender title insurance
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k******o 发帖数: 3328 | 6 应该的,别客气.
【在 l****G 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Thanks,
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p******y 发帖数: 3523 | 7 no cost的话,LZ只需要付在closing的时候付prepaid interest, 新escrow账户的
deposit,以及新loan amount和旧loan payoff balance的difference(多退少补)。
即便一开始需要交appraisal fee,也会在最终退给客人的。
看LZ列的,不太像是纯粹的no cost refi。。。好好问一下broker。 |
P***0 发帖数: 368 | 8 no cost.
on GFE you will find these charges, but there will be a credit to cover
almost all these items except:
(1) prepaid escrow account (can include 2 months of insurance premium)
(2) 3-5 day interest
(3) balance from the remaining principle (if loan smaller amount than pay-
off)
(4) perhaps $10-30 fax/carrier fees (can be covered by agent) |