w****0
发帖数: 86 | 1 conv loan 20万，3.625，没点
请教大家这个closing cost靠谱么？有什么能不要的么？非常感谢~~
PREPAID FINANCE CHARGES (INCLUDED IN APR):
TAX SERVICE FEE to Lereta $ 85.00
FLOOD CERTIFICATION to CoreLogic Flood Services $ 8.56
PROCESSING FEE to LENDER $ 195.00
UNDERWRITING FEE to LENDER $ 595.00
SUBORDINATION FEE to OTHER $ 0.00
CREDIT FOR SPECIFIC INTEREST RATE CHOSEN $ 0.00
INTERIM INTEREST (APR) @ $ 17.8028 / day $ 17.80
CLOSING/SETTLEMENT/ATTORNEY FEE to OTHER $ 0.00
WIRE TRANSFER FEE to OTHER $ 65.00
MOBILE NOTARY FEE to OTHER $ 0.00
CLOSING PROTECTION LETTER to OTHER $ 50.00
TITLE INSURANCE BINDER to OTHER $ 50.00
TITLE DOCUMENT PREPARATION FEE to OTHER $ 150.00
TOTAL PREPAID FINANCE CHARGE $ 1,216.36
AMOUNT PAID TO OTHERS ON YOUR BEHALF
APPRAISAL FEE to OTHER $ 375.00
CREDIT REPORT FEE to CoreLogic Credco $ 14.00
APPRAISAL RE-INSPECTION to OTHER $ 0.00
HOMEOWNERS to OTHER $ 849.96
MIP CREDIT/REFUND to OTHER $ 0.00
HAZARD INSURANCE $ 212.49
MORTGAGE INSURANCE $ 0.00
COUNTYPROPERTYTAX $ 1,063.60
SCHOOLPROPERTYTAX $ 0.00
FLOOD INSURANCE $ 0.00
OWNER'S TITLE INSURANCE to OTHER $ 984.00
LENDER TITLE INSURANCE to OTHER $ 687.75
TITLE EXAMINATION to OTHER $ 350.00
TITLE ENDORSEMENT to OTHER $ 0.00
TITLE REQUIRED SURVEY to OTHER $ 50.00
Deed $ Mortgage $ Releases $ $ 165.00
CITY/COUNTY TAX STAMPS to OTHER $ 175.00
NOC RECORDING FEE to OTHER $ 0.00
CONVEYANCE TAX to OTHER $ 0.00
TRANSFER TAX to OTHER $ 215.00
QUIT CLAIM DEED to OTHER $ 25.00
TOTAL OF AMOUNT PAID TO OTHERS ON YOUR BEHALF $ 5,166.80 |
c**********e
发帖数: 1184 | 2 这个closing cost应该是靠谱的，原因是：
一、Lender的收费在正常范围内（Tax Service, Flood Cert, Processing Fee,
Underwriting Fee,Appraisal, Credit Report）；
二、Title的各项收费好像名目稍多了一些，如Closing Protection Letter，Title
Insurance Binder，Title Document Preparation, Title Examination，Title
Required Survey等，加起来有$650，但因为没有收你的Escrow Fee即Settlement Fee
，所以整体算下来还应算是合理；
三、其它的如title insurance (owner's & lender's)、各种taxes、recording（即
deed/mortgage releases）等，都应是实报实销，没有加价的。 |
I******D
发帖数: 256 | 3 closing cost 包括4大类
1. 和银行审批相关的费用， 也就是和利率相关的费用包括
TAX SERVICE FEE to Lereta $ 85.00
FLOOD CERTIFICATION to CoreLogic Flood Services $ 8.56
PROCESSING FEE to LENDER $ 195.00
UNDERWRITING FEE to LENDER $ 595.00
CREDIT REPORT FEE to CoreLogic Credco $ 14.00
总共是897.56。
也可以把appraisal fee考虑进去，因为你选定银行的时候就选定了银行批准的
appraisal management company, appraisal fee 也就定下来。那么总共的费用是1272
.56。费用合理。
其他的费用跟银行/利率没有关系；
2. title company 如果是 buyer 决定，那么你有一定的选择权，多比比价； 如果是
seller决定，那就是 seller 决定。看你所在州的做法。不知道你在哪个州？
WIRE TRANSFER FEE to OTHER $ 65.00
CLOSING PROTECTION LETTER to OTHER $ 50.00
TITLE INSURANCE BINDER to OTHER $ 50.00
TITLE DOCUMENT PREPARATION FEE to OTHER $ 150.00
OWNER'S TITLE INSURANCE to OTHER $ 984.00
LENDER TITLE INSURANCE to OTHER $ 687.75
TITLE EXAMINATION to OTHER $ 350.00
TITLE REQUIRED SURVEY to OTHER $ 50.00
Deed $ Mortgage $ Releases $ $ 165.00
总共是2551.75
3. Goverment charges， 没有谈判的余地。
CITY/COUNTY TAX STAMPS to OTHER $ 175.00
TRANSFER TAX to OTHER $ 215.00
QUIT CLAIM DEED to OTHER $ 25.00 （这个在买房的时候比较少见）
TOTAL: 415
4. Pre-paid items， 在过户的时候你总是会需要先付1年的保险，过户那天到月底的
利息，escrow account reserve. 这些其实是你过户之后作为howeowner会产生的开销
，只是在过户的时候预付了。
HOMEOWNERS to OTHER $ 849.96
HAZARD INSURANCE $ 212.49
COUNTYPROPERTYTAX $ 1,063.60
INTERIM INTEREST (APR) @ $ 17.8028 / day $ 17.80
总共2143.85 |
I******D
发帖数: 256 | 4 除了Title费用有待商榷外，其他都没什么问题。另外，建议你试试看跟银行negociate
for a better rate. |
l********0
发帖数: 642 | 5 5年ARM吗？
【在 w****0 的大作中提到】
: conv loan 20万，3.625，没点
: 请教大家这个closing cost靠谱么？有什么能不要的么？非常感谢~~
: PREPAID FINANCE CHARGES (INCLUDED IN APR):
: TAX SERVICE FEE to Lereta $ 85.00
: FLOOD CERTIFICATION to CoreLogic Flood Services $ 8.56
: PROCESSING FEE to LENDER $ 195.00
: UNDERWRITING FEE to LENDER $ 595.00
: SUBORDINATION FEE to OTHER $ 0.00
: CREDIT FOR SPECIFIC INTEREST RATE CHOSEN $ 0.00
: INTERIM INTEREST (APR) @ $ 17.8028 / day $ 17.80
|
