a****t
发帖数: 1007 | 1 代理说，前6个月不能refinance or pay off，这个我可以理解，我也没能力前6个月
pay off。但他还说前6个月最好不要多还，就按照规定的数目还钱，6个月以后，随便
还多少，只要不少于规定的钱就好了。这样做的目的是不要引发别的问题。会有啥问题
？难道lender会嫌我还得快了，终止贷款？请版上mortgage broker大牛来普及一下知
识。谢谢。 | t*****d
发帖数: 23 | 2 If you don't have pre-payment penalty, you should
be able to do it. But confirm with experts. I
guess this has a lot to do with your loan doc terms.
【在 a****t 的大作中提到】
: 代理说，前6个月不能refinance or pay off，这个我可以理解，我也没能力前6个月
: pay off。但他还说前6个月最好不要多还，就按照规定的数目还钱，6个月以后，随便
: 还多少，只要不少于规定的钱就好了。这样做的目的是不要引发别的问题。会有啥问题
: ？难道lender会嫌我还得快了，终止贷款？请版上mortgage broker大牛来普及一下知
: 识。谢谢。
| y******n
发帖数: 8667 | 3
no.
难道会扣代理费？
【在 a****t 的大作中提到】
: 代理说，前6个月不能refinance or pay off，这个我可以理解，我也没能力前6个月
: pay off。但他还说前6个月最好不要多还，就按照规定的数目还钱，6个月以后，随便
: 还多少，只要不少于规定的钱就好了。这样做的目的是不要引发别的问题。会有啥问题
: ？难道lender会嫌我还得快了，终止贷款？请版上mortgage broker大牛来普及一下知
: 识。谢谢。
| r******d
发帖数: 1879 | 4 Some rules need to keep in mind:
1. Almost all the lenders are no prepay penalty but with 4-6 months no
payoff/refinance restriction.
2. No prepay penalty means you can always pay more principle as original
scheduled. However, you need to be alert about the extra amount you pay.
If your original mortgage payment is $3000 per month, for example, and you
pay $4000, it is OK since all the extra $1000 will go to your principle.
But if your loan amount is 400K in the first month and you reduced the loan
amount to 200K within 6 months, then you will have trouble because the rate
you lock is directly related with the loan amount, the less your loan, the
higher your rate in general. Also the lender's commission to brokers are
also based on your loan amount. You can not get the same rate/rebate for
400K loan vs. 200K. In this case, lender will ask the broker to pay the
penalty, who will send the bill to you since you signed the agreement with
brokers.
Make sure you don't make lenders feel that you have bad intention by paying
extra mortgage. Any extra payoff which might cause any potential risk to
impact your rate or broker commission will be considered as bad intention.
But after the 6 months, you are free to do whatever you like, refinance or
even payoff the loan.
Hope it helps to clear your mind.
Best luck!
【在 a****t 的大作中提到】
: 代理说，前6个月不能refinance or pay off，这个我可以理解，我也没能力前6个月
: pay off。但他还说前6个月最好不要多还，就按照规定的数目还钱，6个月以后，随便
: 还多少，只要不少于规定的钱就好了。这样做的目的是不要引发别的问题。会有啥问题
: ？难道lender会嫌我还得快了，终止贷款？请版上mortgage broker大牛来普及一下知
: 识。谢谢。
| p******y
发帖数: 3523 | 5 每个月固定的多还个一两千，应该不会有问题，只是不要在前6个月还上好几万本金就
行了。如果30万的loan，前6个月就还了个5万什么的，lender会认为borrower本不需要
借30万的loan，并怀疑broker为了多挣佣金所有帮客人提高loan amount，因此broker
会被lender罚。 |
|
