b********3
发帖数: 994 | 1 Wells Fargo会卖？？
两种可能，一是卖给两房了。
另外一个可能觉得你的loan质量一般，甩了。。。 |
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c*****l
发帖数: 631 | 3 奇怪了，楼主怎么反方向啊？我和同事的都是从小公司一个月内卖给wellsfargo了，然
后再过了一个月，wells fargo下的mortgage公司又卖给了wells fargo下的bank。
倒来倒去这些公司真累的慌。 |
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z*********n
发帖数: 94654 | 5 基本上绝大多数residential mortgage都是两房在贷吧
最后卖给两房那步是必然的
但处理帐单啥的还是最后那家银行，一般就那几个大银行
之前的各个level的小银行，broker都是三，四，五道贩子 |
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b********3
发帖数: 994 | 7 嗯，很形象啊。
就是X道贩子才能给一般的borrowers好的rate。
真正要walk－in到大银行的branch，基本就是挨宰了。 |
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z*********n
发帖数: 94654 | 8 嗯，就是说那些贩子能搞出来出厂价，批发价
你自己去厂家零售部搞不出来 |
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Y***r
发帖数: 15270 | 9 真巧，刚到家，也受到一封信
是fannie mae寄来的，通知我wells fargo的loan转让给它 了
不过任何和loan有关的事说还是找wells fargo，它不管，只是这个loan的ownersip |
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f****l
发帖数: 8042 | 10 充分说明两房还是垮不得的，要两房而不是一房还是有道理的。 |
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c********m
发帖数: 571 | 11 问了一个mortgate，
30 year fixed rate: 4.875 20% down
还告诉我以下费用：
bank underwriting $900
appraisal $350
title $1600-1800
请教这个quote怎么样？
谢谢！ |
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M******9
发帖数: 218 | 12 请教finance专家们，
broker会做预测给你建议什么时候lock 吗 |
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z**********i
发帖数: 12276 | 13 可以。直接去mortgate office去问问。
我问了wells fargo和bank of america. |
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b*******l
发帖数: 590 | 14 没错，一旦有一天天灾人祸致使你交不起mortgate，立马被银行赶走。特别是在自己的
房子跌了job market又很差的情况下，有房的人感觉心里更害怕。我这么说是因为我本
身就是个有房族。 |
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M****m
发帖数: 2142 | 15 and choose the one with best rates? will there be charges if I cancel the
application? is 3.5% 0 point good for 5/1 ARM? Thanks! |
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b*d
发帖数: 9308 | 16 Yes, you can apply the loan at the same time with different bank, but you
might have to the processing fee twice. Yes, 3.5% is a good rate for 5/1 ARM. |
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M****m
发帖数: 2142 | 17 how much usually is the processing fee? thanks.
ARM. |
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M****m
发帖数: 2142 | 19 ah, a lot.....thanks anyway...... |
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c*****9
发帖数: 2739 | 20 Bed,
Do you think it is possible too get lower rate next week?
Now my deal is 15 year fixed 4.00% home purchase $3200 closing fee. We will
sign contract with broker next week because our closing date is 08/25. more
60 days from today. |
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s********d
发帖数: 2216 | 21 上周某一天 4.5% + closing cost + 2.25% Upfront Mortgate Premium |
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b*a
发帖数: 17670 | 22 LZ said the total investment is 92K
and you forgot to have mortgate included |
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c********m
发帖数: 571 | 23 Called IRS several times, no one could understand what's the reason there.
They put notes there.
And finally, the person who did my case called me today.
Told me that she searched on internet and found that my house was sold on
May 3, 2010 after my original purchase in March 2010. So we were not the
owner!
I asked her if she had any official documents saying that selling
transaction. She couldn't answer.
So she is asking me to send my current mortgate statement to take a look.
TNND! This is how |
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N**s
发帖数: 1916 | 24
mortgate
Not necessarily true on today's market. With prime rate at 3.75%, if you
can get prime +/- .5% your floating rate is actually lower than most
mortgage. |
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h*******7
发帖数: 1481 | 25 最近Mortgage Rate 太低了，想做Cash Out Refinance，去投资股市。不知道Mortgate
Interest 还能享受Tax Bedefits （Deduction）吗？ |
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b*d
发帖数: 9308 | 26 没有问题,和是不是Cash-out Refinance没有关系.
Mortgate |
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s***g
发帖数: 820 | 27 It is said that the property tax could be covered by the itemized taxed
return from property tax and mortgate interest. |
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g*******4
发帖数: 371 | 28 My LD and I are both students. We got home loan recently. Try to find some
local banks or mortgate brokers. |
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p*******l
发帖数: 100 | 29 发信人: zhongdianshi (brb), 信区: Living
标 题: Re: F1 visa 可以贷款买房子吗？
发信站: BBS 未名空间站 (Thu Apr 22 23:45:32 2010, 美东)
可以。直接去mortgate office去问问。
我问了wells fargo和bank of america. |
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z*********n
发帖数: 94654 | 30 减税看样子要持续
减债计划里有一条要修改Homeowner mortgate interest deduction
虽然今天没有达到14人的绝对多数支持，但是依然得到了多数减债commission member
的支持，说不定哪天通过哪个办法就通过了
homeowner是块肥肉啊 |
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Y****n
发帖数: 812 | 34 mortgate for 15 years is quite different from 30 years. |
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M*******n
发帖数: 1143 | 35 我在florida. 04年买的房,用的7年bollon loan,今年11月loan结束.到时就要把钱全还
了.现在想refinance,可是现在房子市场价低于mortgage balance 80%. 我现在的
mortgate是chase.我试了一下那个HARP program. 20-year fixed rate 要5.5%,还要补
$10,000.请问像我现在这个情况,HARP是唯一的选择吗? 能有其他办法降低rate吗? |
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j***b
发帖数: 5901 | 36 I don't think you really understand the picture. Interest rate will be high only if there is inflation. Without inflation, 两房 or not, bond return will be low, so there will be people willing to lend at low rate.
On the other hand, if there is inflation, house price will go up just like other prices.
Mortgate is an investment for the lender. So, mortgage rate will only be high if alternative investment return is high. |
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a***n
发帖数: 2632 | 37 你都全ｃａｓｈ付了，还说什么ｒｅｆｉｎａｎｃｅ呀？
要想helo,利率一般会比mortgate高，不划算 |
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N****E
发帖数: 1474 | 38 The mortgate bank will run your credit and do some other checks before the
close. Do something to significantly lower your credit, so the bank may not
process the mortgage and then you may be back out. Otherwise the seller
has the right to sue you to break the contract since all the contigencies
are removed.
radon+
break |
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p**5
发帖数: 2544 | 40 如果我只需要贷款6万的话，15年的利率能拿到多少？是不是比30年利率低？
工资高于6万，所以6万的贷款有可能几年内付清，这样是不是贷款15年和30年，差别不
是很大？还有什么选择可以拿到较低的利率？
大部分存款在CD里，APY 3.0%；有没有可能拿到低于3.0%的5/1 ARM？这样的话，我就
不用全部early withdraw CD的钱了，多借几万也行。
万分感谢。 |
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x****j
发帖数: 2873 | 41 不用交mortgate，但是并不代表利息不用交,本金也不会少。 |
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e******e
发帖数: 172 | 42 就今天说，10/18/2011。
我联系了两个broker，一个说下午利率好了，一个说差了。不知道哪个更可信一些？
利率和rebate是每天变一次，两次，还是n次？
多谢。 |
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S**P
发帖数: 835 | 44 我想给一个房子出个OFFER,但我的AGENT说需要a mortgate prequalification letter
from a lender. 我想随便找个银行先pre-qualify一下,然后有时间再慢慢找自己中意
的贷款中介. 如果我找这个银行pre-qualify,是不是以后正式做loan的时候必须用它? |
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l***i
发帖数: 1943 | 45 贷款250K,15年fixed rate 3.25%
underwritting fee $550
attorney review $350
funding fee $200
escrow waiver fee 说是0.25% of the loan amount,还没定下来
appraisal fee $450
credit report fee $45
closing/escrow fee $150
document preparation fee $100
attorney fee $100
lender's title insurance $225
owner's title insurance 说是seller付的
survey $400
mortgate recording charge $100
我在德州，感觉好像杂七杂八的项目比较多阿，，有哪些可以减免么？
明天要和loan agent谈了，希望大家给我些信息，谢谢！ |
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b***r
发帖数: 1118 | 46 1) 可以。只要你下次offer价格不要超过这次的。
2）你找个好的broker，利率和closing cost最优为主，跟银行没啥关系。
3）见2）答案 |
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k*******2
发帖数: 132 | 47 per-approved letter is valid by expired date. Normally you could get one
from retail bank (i.e. wellsFargo) or mortgage broker with nominal fee or
free.
You need a good mortgage broker or retail bank staff to help you. Eventually
if your loan is conforming one, most likely your loan principle will be
transferred/sale to Fannie Mae or Freddic Mac.
Each lender has its targeted market. |
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b**3
发帖数: 18 | 48 建议你找一个Broker，这些问题都可以解决。 |
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c*********g
发帖数: 95 | 49 千万别找一个叫王立新的inspector，我搬进去第二个星期下水总管就堵了，花了$6500
才换好，过段时间有空我会写个详细的经过。 |
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e********e
发帖数: 250 | 50 下水管的问题inspector没有能力看的吧？ |
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