p**********u
发帖数: 67 | 1 第一次买房没经验。买房合同里同意了使用这个lender，但是这个builder的preferred
lender给的利率太高，但是我们交了10k的写的non-refundable的earnest money。我
们现在还能换lender么？要怎么操作？如果builder不同意的话怎么办？我们能把10k弄
回来退出合同吗？ | w*****m
发帖数: 20421 | 2 这个可能不好换了吧，过半年REFIN算了，差不多少 | z******i
发帖数: 291 | 3 1. i don't think the builder can force you to use a particular lender, they
can offer incentive if you choose to use their preferred lender.
2. as for the earnest money, you give the builder the earnest money at the
time that you signed your sales contract. if you decide to back out of the
contract for any personal reason before closing, the earnest money is non-
refundable. bottom line, i don't think the earnest money has anything to do
with the lender that you want to use.
我们现在还能换lender么？
-Depends on the closing date of your house. it takes about 1 month for the
lender to process the loan. the builder should give you a deadline on when
you need to let them know which lender you will be using.
要怎么操作？
-you should first contact your builder asap and make sure they allow you to
switch. if they do allow you to switch, just start shopping around
如果builder不同意的话怎么办？
-either you accept it and try to refinance it after you close on the house
OR back out from the contract and take a $10k loss. | z******i
发帖数: 291 | 4 also, read the fine prints in the contract that you signed. is there a
clause that specifically says you have to use their preferred lender.
read the thread below, people have asked similar question in the past
Can a seller/builder force me to finance with a particular lender?
http://www.zillow.com/advice-thread/Can-a-seller-builder-force-me-to-finance-with-a-particular-lender/396388/ |
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