m**b
发帖数: 78 | 1 大家帮忙看看贷款的closing cost怎么样？ 总贷款额25万，15年固定利率，给的利率3
.25%，0.375% point，总closing cost 5841.
loan discount fee 940
appraisal fee 400
credit report 60
flood verification 13.5
application fee 50
document prep fee 160
MERS assignment fee 11.95
underwriting fee 545
settlement/closing 265
owner title insurance 383
lender title insurance 1133
CPL fee 50
Recording fee 115
State tax/stamps 1663
pest inspection 50
Total 5841
另外，我之前2月21日问过这个lender贷款利率，当时预估的贷款额比这个多，但利率
也是3.25%，而且discount fee还便宜200，怎么回事？最近不是利率低吗？
还有最近的利率值得锁利率吗，再40多天close? |
s****i
发帖数: 519 | |
o*****p
发帖数: 5952 | |
t*******y
发帖数: 2424 | 4 个人对花钱买point没好感，一点好处都沒有。
率3
【在 m**b 的大作中提到】
: 大家帮忙看看贷款的closing cost怎么样？ 总贷款额25万，15年固定利率，给的利率3
: .25%，0.375% point，总closing cost 5841.
: loan discount fee 940
: appraisal fee 400
: credit report 60
: flood verification 13.5
: application fee 50
: document prep fee 160
: MERS assignment fee 11.95
: underwriting fee 545
|
A*********n
发帖数: 223 | 5 详情请查站内信箱.
我们银行3.25% no point.
Bank charges total one fee$695 including your following fees: loan discount
fee,credit report, flood verification,application fee.
Appraisal fee: $395
All the following costs are from the lawyer or/and title company you
selected by your own. Bank only estimate.
MERS assignment fee 11.95
underwriting fee 545
settlement/closing 265
owner title insurance 383
lender title insurance 1133
CPL fee 50
Recording fee 115
State tax/stamps 1663
pest inspection 50
As for the document prep fee, I need check your doc to see if it is bank
charge or lawyer charge. |
n***s
发帖数: 10056 | 6 Why buy points? Try two or three other lenders. Also ask if they can waiver
any of the fees. |
c**********e
发帖数: 1184 | 7 CA, FL, MD, TX和VA的利率供您参考：
http://www.mitbbs.com/club_bbsdoc2/CircleSquareMortgage_0.html
另外，买房贷款无论在哪个州，不建议买point降低利率。比如说您的3.25%的利率，一
个月的payment是1756.67，收0.375% x 250K = $937.5，假设3.375%的利率是不用收
point的，3.375%一个月的payment为$1,771.90，比3.25%的多$15.23，937.5/15.23=61
.5,也就是说61.5个月也就是5年以后这个低利率的优势才能显现出来（高利率可能还给
些额外的credit，这个时间有可能还更长），也就是说如果您在5年以内refi了或者把
房子卖掉了就亏了。所以不建议花额外的钱买point降利率。
率3
【在 m**b 的大作中提到】
: 大家帮忙看看贷款的closing cost怎么样？ 总贷款额25万，15年固定利率，给的利率3
: .25%，0.375% point，总closing cost 5841.
: loan discount fee 940
: appraisal fee 400
: credit report 60
: flood verification 13.5
: application fee 50
: document prep fee 160
: MERS assignment fee 11.95
: underwriting fee 545
|
