a*****n
发帖数: 5158 | |
G*****e
发帖数: 2577 | |
s*i
发帖数: 5025 | 3 same as escrow account.
贷方每月多从你那里收集房税，保险等。最后帮你缴上。
[发表自未名空间手机版 - m.mitbbs.com] |
I**********2
发帖数: 890 | 4 不搞这个可以吗？不搞会有什么问题吗？
【在 s*i 的大作中提到】
: same as escrow account.
: 贷方每月多从你那里收集房税，保险等。最后帮你缴上。
: [发表自未名空间手机版 - m.mitbbs.com]
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c******j
发帖数: 3239 | 5 绿卡会被吊销，然后驱逐回国
【在 I**********2 的大作中提到】
: 不搞这个可以吗？不搞会有什么问题吗？
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r******d
发帖数: 1879 | 6 Impound is not mandatory to have unless your credit score is too low.
If you use impound:
- you will have better rate OR same rate with better rebate
- you need to have some reserves in your impound account for 4-6 months
property tax and insurance
- you will pay the mortgage + property tax + insurance + interest monthly
your lender in one bill payment
- you don't need to deal with insurance agent or county at due time and
lender will help you to take care
- once you payoff or refinance, your balance in the impound account will be
returned back to you with interest
- but if you decide to switch the insurance company, you have to inform
lender for the changes. If lender miss the payment for the property tax, it
is your responsibility so you need to double check.
If you don't use impound:
- rate is same or higher/ rebate is less
- you don't need to reserve a few months property tax and insurance all the
time with lender
- you deal with your tax and insurance with county and agent directly.
everything is under your own control.
So overall, if you can get same rate no cost, most people prefer to have NO
IMPOUND. But if you can get a lot higher rebate or rate can be lower with
impound, people will go with impound account. Only when your credit score
is too low, lender will need you to have impound mandatory.
Hope it helps.
【在 I**********2 的大作中提到】
: 不搞这个可以吗？不搞会有什么问题吗？
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s*i
发帖数: 5025 | 7 赞敬业！
be
[发表自未名空间手机版 - m.mitbbs.com]
【在 r******d 的大作中提到】
: Impound is not mandatory to have unless your credit score is too low.
: If you use impound:
: - you will have better rate OR same rate with better rebate
: - you need to have some reserves in your impound account for 4-6 months
: property tax and insurance
: - you will pay the mortgage + property tax + insurance + interest monthly
: your lender in one bill payment
: - you don't need to deal with insurance agent or county at due time and
: lender will help you to take care
: - once you payoff or refinance, your balance in the impound account will be
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c**********e
发帖数: 1184 | 8 请参阅我们俱乐部的文章《为什么Lender都希望用Impound/Escrow Account？》http://www.mitbbs.com/clubarticle_t2/CircleSquareMortgage/563219.html。
【在 a*****n 的大作中提到】
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m*****o
发帖数: 152 | 9 The impound account is required when you apply for a loan with a down
payment of less than 20%. Your lender divides the annual cost of each type
of insurance and taxes into a monthly amount and adds it to your mortgage
payment.
With impound, borrow can avoid paying large bills once or twice a year, and
will be assured that the money to pay those bills will be there when they
need it.
Your lender is required to review your impound accounts annually, if too
much money is accumulating in the impound account, federal regulation
requires the excess funds to be refunded to the borrower.
Impound is not part of your mortgage, generally, most of lenders collect a
monthly amount equal to about 1/12th of the total sum due. This total
payment is referred to as PITI, meaning it is principal, interest, taxes and
insurance. For example, if the taxes are $1200 a year, the lender will
collect $100 per month. If the insurance premium is $600 per year, the
lender will collect an additional $50. This $150 impound account payment is
then added to the regular principal and interest payment to equal a total
payment.
【在 r******d 的大作中提到】
: Impound is not mandatory to have unless your credit score is too low.
: If you use impound:
: - you will have better rate OR same rate with better rebate
: - you need to have some reserves in your impound account for 4-6 months
: property tax and insurance
: - you will pay the mortgage + property tax + insurance + interest monthly
: your lender in one bill payment
: - you don't need to deal with insurance agent or county at due time and
: lender will help you to take care
: - once you payoff or refinance, your balance in the impound account will be
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o*****p
发帖数: 5952 | 10 只要首付超过20%, 都不是必须的。
我们的客人基本上都没有这个东东。
【在 I**********2 的大作中提到】
: 不搞这个可以吗？不搞会有什么问题吗？
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|
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u****9
发帖数: 1888 | 11 不是和escrow是一回事吗？没escrow能行吗？谢谢
【在 o*****p 的大作中提到】
: 只要首付超过20%, 都不是必须的。
: 我们的客人基本上都没有这个东东。
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r******d
发帖数: 1879 | 12 escrow and escrow account are different. You have to have escrow to help you
to close the transaction but escrow account is not necessary unless your
down payment is less than 20% or your credit score is too low.
【在 u****9 的大作中提到】
: 不是和escrow是一回事吗？没escrow能行吗？谢谢
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u****9
发帖数: 1888 | 13 谢谢解释，我怎样才知道有没有escrow account呢？agent能直接开吗？
you
【在 r******d 的大作中提到】
: escrow and escrow account are different. You have to have escrow to help you
: to close the transaction but escrow account is not necessary unless your
: down payment is less than 20% or your credit score is too low.
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k***a
发帖数: 2400 | 14 告诉agent不要impound就可以了。如果有impound，贷款文件上会有几个月的deposit，
预付的tax， home insurance。
【在 u****9 的大作中提到】
: 谢谢解释，我怎样才知道有没有escrow account呢？agent能直接开吗？
:
: you
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u****9
发帖数: 1888 | 15 谢谢，告诉贷款的agent就行，对吧？
【在 k***a 的大作中提到】
: 告诉agent不要impound就可以了。如果有impound，贷款文件上会有几个月的deposit，
: 预付的tax， home insurance。
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r******d
发帖数: 1879 | 16 YES. tell your loan agent if you need IMPOUND/ESCROW account. the rebate
and rate might be different.
When your agent quote rate for you, always ask if this is with impound or
not.
【在 u****9 的大作中提到】
: 谢谢，告诉贷款的agent就行，对吧？
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