b********9 发帖数: 159 | 1 sorry can't type Chinese here.
just received a message from our loan processor, saying that they're waiving
the appraisal for the property we're getting the mortgage for. While our
real estate agent was saying what a great deal we're getting, I'm wondering
if it's a good idea to forgo the appraisal altogether at all.
any input is greatly appreciated! Thanks :-) |
c*****i 发帖数: 1392 | 2 他是说waive the appraisal fee还是waive appraisal?
waiving
wondering
【在 b********9 的大作中提到】 : sorry can't type Chinese here. : just received a message from our loan processor, saying that they're waiving : the appraisal for the property we're getting the mortgage for. While our : real estate agent was saying what a great deal we're getting, I'm wondering : if it's a good idea to forgo the appraisal altogether at all. : any input is greatly appreciated! Thanks :-)
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b********2 发帖数: 5191 | 3 should be a good deal. you pay $75 waiver fee instead of $400+ appraisal fee
. unless you want to use the appraisal value to bargain with seller which is
very unlikely in the current seller's market.
waiving
wondering
【在 b********9 的大作中提到】 : sorry can't type Chinese here. : just received a message from our loan processor, saying that they're waiving : the appraisal for the property we're getting the mortgage for. While our : real estate agent was saying what a great deal we're getting, I'm wondering : if it's a good idea to forgo the appraisal altogether at all. : any input is greatly appreciated! Thanks :-)
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I******D 发帖数: 256 | 4 当你的broker把贷款提交给银行,银行一般会用Fannie Mae或者Freddie Mac的自动审
批程序,automated underwriting system;这个程序里面有一个系统估计的价格,两
房的系统认为你这个房子的价格肯定高于purchase price, 所以waive appraisal.
这种情况下,我不建议你再做appraisal了; 原因如下:
1. appraisl fee 大概在500 左右,没必要;appraisal waiver 只需要75.
2. 你的agent说是个好idea, 所以即使你们有apprisal contigency, 即使apprisal
value 低于 purchase price(几乎在这里不太可能发生), seller 再降价的可能性
很小。
3.如果房子有些小修小补的问题,但是被银行放大,会带来不必要的麻烦. |
b********9 发帖数: 159 | 5 cool thanks. as the lender only need to recoup 80% of the property value,
both my hubby and I have both enjoyed ~800 fica score respectively, so the
risk of the lender having to take a loss on the loan is minimal.
I was just wondering if we should do the appraisal for our own sake anyway.
and yet you have brought up a brilliant perspective.
fee
is
【在 b********2 的大作中提到】 : should be a good deal. you pay $75 waiver fee instead of $400+ appraisal fee : . unless you want to use the appraisal value to bargain with seller which is : very unlikely in the current seller's market. : : waiving : wondering
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b********9 发帖数: 159 | 6 Okay, this makes sense. Thanks for your help :-)
【在 I******D 的大作中提到】 : 当你的broker把贷款提交给银行,银行一般会用Fannie Mae或者Freddie Mac的自动审 : 批程序,automated underwriting system;这个程序里面有一个系统估计的价格,两 : 房的系统认为你这个房子的价格肯定高于purchase price, 所以waive appraisal. : 这种情况下,我不建议你再做appraisal了; 原因如下: : 1. appraisl fee 大概在500 左右,没必要;appraisal waiver 只需要75. : 2. 你的agent说是个好idea, 所以即使你们有apprisal contigency, 即使apprisal : value 低于 purchase price(几乎在这里不太可能发生), seller 再降价的可能性 : 很小。 : 3.如果房子有些小修小补的问题,但是被银行放大,会带来不必要的麻烦.
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c**********e 发帖数: 1184 | 7 这确实是一个很好的deal,很少有case能够通过Fnnie Mae的automated underwriter得
到 appraisal waiver的approval,这能够为您省下好几百块钱。:)
如果不是特别需要做一个appraisa利用appraised value同卖方讲价的话,不用做这个
appraisal。Lender也会因为不用审核appraisal而使您的贷款更快得到批准。
waiving
wondering
【在 b********9 的大作中提到】 : sorry can't type Chinese here. : just received a message from our loan processor, saying that they're waiving : the appraisal for the property we're getting the mortgage for. While our : real estate agent was saying what a great deal we're getting, I'm wondering : if it's a good idea to forgo the appraisal altogether at all. : any input is greatly appreciated! Thanks :-)
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X*U 发帖数: 5518 | 8 我的房子就给waive了
回头发给我了个report,上边有附近类似交易的价格。
他们也不是完全不做,貌似还是派人去房子外边拍了几张照片,也在report里
[发表自未名空间手机版 - m.mitbbs.com]
【在 c**********e 的大作中提到】 : 这确实是一个很好的deal,很少有case能够通过Fnnie Mae的automated underwriter得 : 到 appraisal waiver的approval,这能够为您省下好几百块钱。:) : 如果不是特别需要做一个appraisa利用appraised value同卖方讲价的话,不用做这个 : appraisal。Lender也会因为不用审核appraisal而使您的贷款更快得到批准。 : : waiving : wondering
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o*****p 发帖数: 5952 | 9 是好消息,我的客人也曾拿到waive.
友情提醒,15年只需2O%首付,30 年需25%首付。
waiving
wondering
【在 b********9 的大作中提到】 : sorry can't type Chinese here. : just received a message from our loan processor, saying that they're waiving : the appraisal for the property we're getting the mortgage for. While our : real estate agent was saying what a great deal we're getting, I'm wondering : if it's a good idea to forgo the appraisal altogether at all. : any input is greatly appreciated! Thanks :-)
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b********9 发帖数: 159 | 10 Thanks for everyone's help... totally makes sense now :-)
waiving
wondering
【在 b********9 的大作中提到】 : sorry can't type Chinese here. : just received a message from our loan processor, saying that they're waiving : the appraisal for the property we're getting the mortgage for. While our : real estate agent was saying what a great deal we're getting, I'm wondering : if it's a good idea to forgo the appraisal altogether at all. : any input is greatly appreciated! Thanks :-)
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