G*s
发帖数: 856 | 1 要谈的话，哪些可以谈？谢谢
rate 7/1 arm 2.75% 可以锁么？
1. Our origination charge
This charge is for getting this loan for you. $ 695.00
2. Your credit or charge (points)
$ 0.00
Your Adjusted Origination Charges $ 695.00
3. Required services that we select
APPRAISAL FEE $ 365.00
4. Title services and lender's title insurance $ 3,179.00
5. Owner's title insurance $ 359.00
6. Required services that you can shop for $ 2,970.00
Service Charge
SURVEY $ 750.00
PROPERTY TAXES $ 2,220.00
7. Government recording charges $ 600.00
8. Transfer taxes $ 0.00
9. Initial deposit for your escrow account $ 1,480.00
10. Daily interest charges $ 307.08
11. Homeowner's insurance $ 360.00
Policy Charge
HAZARD INSURANCE PREMIUM $ 360.00
Total $ 10,315.08 | b*d
发帖数: 9308 | 2 很多费用是高估的.
【在 G*s 的大作中提到】
: 要谈的话，哪些可以谈？谢谢
: rate 7/1 arm 2.75% 可以锁么？
: 1. Our origination charge
: This charge is for getting this loan for you. $ 695.00
: 2. Your credit or charge (points)
: $ 0.00
: Your Adjusted Origination Charges $ 695.00
: 3. Required services that we select
: APPRAISAL FEE $ 365.00
: 4. Title services and lender's title insurance $ 3,179.00
| G*s
发帖数: 856 | 3 谢谢，到closing时会变？不会降好多吧？
【在 b*d 的大作中提到】
: 很多费用是高估的.
| m*******r
发帖数: 8950 | 4 会降很多... 另外, 现在15年FIXED的RATE 也就2.75%上下吧?
【在 G*s 的大作中提到】
: 谢谢，到closing时会变？不会降好多吧？
| c********n
发帖数: 731 | 5 1. Our origination charge
This charge is for getting this loan for you. $ 695.00
2. Your credit or charge (points)
$ 0.00
Your Adjusted Origination Charges $ 695.00
$$$$$$ this is about right in NJ $$$$$
3. Required services that we select
APPRAISAL FEE $ 365.00
$$$$ this is about right in NJ $$$$$
4. Title services and lender's title insurance $ 3,179.00
5. Owner's title insurance $ 359.00
6. Required services that you can shop for $ 2,970.00
$$$$ In NJ, the amount for title insurance is fixed. Google it and you will
find title insurance calculator. The title service charge could be
different among companies $$$$$
Service Charge
SURVEY $ 750.00
$$$$$ in NJ, survey is not required but recommended. If it is a condo/
townhouse as I think yours maybe because of the the home insurance amount,
it is less needed. but $750 may include all the services of survey like
putting permanent marks at the points. $$$$$
$$$$$ the following escrow part is sth you have to pay sooner or later, and
most lender requires about 3 months tax. So this part is fine $$$$$$
PROPERTY TAXES $ 2,220.00
7. Government recording charges $ 600.00
8. Transfer taxes $ 0.00
9. Initial deposit for your escrow account $ 1,480.00
10. Daily interest charges $ 307.08
11. Homeowner's insurance $ 360.00
Policy Charge
HAZARD INSURANCE PREMIUM $ 360.00
Total $ 10,315.08
【在 G*s 的大作中提到】
: 要谈的话，哪些可以谈？谢谢
: rate 7/1 arm 2.75% 可以锁么？
: 1. Our origination charge
: This charge is for getting this loan for you. $ 695.00
: 2. Your credit or charge (points)
: $ 0.00
: Your Adjusted Origination Charges $ 695.00
: 3. Required services that we select
: APPRAISAL FEE $ 365.00
: 4. Title services and lender's title insurance $ 3,179.00
| h******e
发帖数: 1647 | 6 why you are choosing 7/1 for rate 2.75%
15 years, is about the same rate | b*d
发帖数: 9308 | 7 像escrow, tilte的费用是会降好多.
【在 G*s 的大作中提到】
: 谢谢，到closing时会变？不会降好多吧？
| G*s
发帖数: 856 | 8 keep monthly payment low
【在 h******e 的大作中提到】
: why you are choosing 7/1 for rate 2.75%
: 15 years, is about the same rate
| c********n
发帖数: 731 | 9 With due respect, I disagree. Escrow is what you have to pay sooner or
later. usually you pay one months full payment, and remaining balance of tax
for the quarter (either debit or credit to seller), one year condo fee (or
whatever HOA says it is. sometime if seller has already paid, you need to
give credit to seller). You need to pay one year home insurance. So Escrow
is not a pure cost for closing.
Title has two parts, Title insurance and title service. In NJ, and you need
to check your local law, that title insurance is based on the transaction
amount and it is fixed. It is the title service that you can shop and
service charges will vary among title company, but most of them charge quite
similar amount. So by closing, these items amount will not decrease a lot.
The escrow may but if you don't pay by closing, you still need to pay down
the road.
【在 b*d 的大作中提到】
: 像escrow, tilte的费用是会降好多.
| h*****3
发帖数: 1391 | 10 你的有些项目比我的closing cost便宜，我们是escow account+ title insurance
2000左右。apprasial fee 500。没有survey。与title有关的好像都在这2000里面了。
也没有origination charge。
我咨询的7/1arm rate比你高，但不到3%。
【在 G*s 的大作中提到】
: 要谈的话，哪些可以谈？谢谢
: rate 7/1 arm 2.75% 可以锁么？
: 1. Our origination charge
: This charge is for getting this loan for you. $ 695.00
: 2. Your credit or charge (points)
: $ 0.00
: Your Adjusted Origination Charges $ 695.00
: 3. Required services that we select
: APPRAISAL FEE $ 365.00
: 4. Title services and lender's title insurance $ 3,179.00
| G*s
发帖数: 856 | |
|
