h********e
发帖数: 1130 | 1 will close the refi this Friday.
lender sent me a document saying my loan is for 15 years.
but I am applying for 30 years.
I checked with my agent, he asked me not to worry about it. But when i said
I want to contact the lender to clarify, he discourage me. After couple of
email back and forth, I realize he will not tell me the truth.
what I did is so called no cost refi, and I understand lender will provide
rebate to agent, and agent use part of the rebate to cover the closing cost.
there is some secret under the table which I don't need to know. But this
15 v.s. 30 years seems significant. and I wonder what's the trick here? | w****u
发帖数: 3147 | 2 利率不一样啊，15年给你30年的利率？
said
cost.
【在 h********e 的大作中提到】
: will close the refi this Friday.
: lender sent me a document saying my loan is for 15 years.
: but I am applying for 30 years.
: I checked with my agent, he asked me not to worry about it. But when i said
: I want to contact the lender to clarify, he discourage me. After couple of
: email back and forth, I realize he will not tell me the truth.
: what I did is so called no cost refi, and I understand lender will provide
: rebate to agent, and agent use part of the rebate to cover the closing cost.
: there is some secret under the table which I don't need to know. But this
: 15 v.s. 30 years seems significant. and I wonder what's the trick here?
| c*****4
发帖数: 900 | 3 建议再好好跟他们沟通一下，一定要确认是30-yr fixed，把30-yr fixed弄成15-yr
fixed这种错误一般不可能犯但是签loan doc之前也要核对清楚
said
cost.
【在 h********e 的大作中提到】
: will close the refi this Friday.
: lender sent me a document saying my loan is for 15 years.
: but I am applying for 30 years.
: I checked with my agent, he asked me not to worry about it. But when i said
: I want to contact the lender to clarify, he discourage me. After couple of
: email back and forth, I realize he will not tell me the truth.
: what I did is so called no cost refi, and I understand lender will provide
: rebate to agent, and agent use part of the rebate to cover the closing cost.
: there is some secret under the table which I don't need to know. But this
: 15 v.s. 30 years seems significant. and I wonder what's the trick here?
| b********1
发帖数: 1299 | 4 1. 一般来说如果您的loan agent是一个有reputation的人， 您不用担心。不管是贷款
还是买房， 找对agent最重要。
2. 在申请loan的表上有写program以及rate，
3. lock rate后一定要一个lock confirmation。
4. 最后签doc的时候有一个文件是Note,上面会说是什么program以及rate，如果和您
lock的不一样， 您可以不签。
said
cost.
【在 h********e 的大作中提到】
: will close the refi this Friday.
: lender sent me a document saying my loan is for 15 years.
: but I am applying for 30 years.
: I checked with my agent, he asked me not to worry about it. But when i said
: I want to contact the lender to clarify, he discourage me. After couple of
: email back and forth, I realize he will not tell me the truth.
: what I did is so called no cost refi, and I understand lender will provide
: rebate to agent, and agent use part of the rebate to cover the closing cost.
: there is some secret under the table which I don't need to know. But this
: 15 v.s. 30 years seems significant. and I wonder what's the trick here?
| o*****p
发帖数: 5952 | 5 这是大是大非问题。
签loan doc 请仔细查看note, 不对不签。既使签了，也有三天时间去 cancel | h********e
发帖数: 1130 | |
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