m********8
发帖数: 7463 | 1 【 以下文字转载自 WaterWorld 讨论区 】
发信人: szhao (szhao), 信区: WaterWorld
标 题: Refinance complications--what are my options
发信站: BBS 未名空间站 (Fri Dec 21 14:12:24 2012, 美东)
I recently tried to refi with Citi. The process started in July and I locked
in a good rate. Now after 5 month I am still "waiting" for my loan to be
processed. My sense is that they don't want to honor the rate lock they
promised (essentially take my case as an "option" if rate goes lower, they
do refi at my locked rate, which is not a good rate anymore at the time of
closing, but they just drag on and not do anything if rate goes up, which is
the case)
Anyway, I am kind of angry right now as the whole thing dragged on for 5
month without any progress. I have excellent income and credit. They cannot
find any problem, so they still keep dragging things on.
I missed out refinance opportunities with other lenders, the loss here is
not quantifiable, but I have paid 600 for appraisal and I hope to get it
back. I don't want to deal with citi anymore.
Is there anything I can do? Is there anyone--regulatory agency etc--- I can
talk to? Is small claim court an option?
I have tried to talk to the banker who worked with me and tried to talk to
his boss, no real effect on anything.
Thanks a lot and happy holidays! | b********2
发帖数: 5191 | | l******c
发帖数: 2555 | 3 only apply no cost no point refi
no appraisal fee
locked
is
【在 m********8 的大作中提到】
: 【 以下文字转载自 WaterWorld 讨论区 】
: 发信人: szhao (szhao), 信区: WaterWorld
: 标 题: Refinance complications--what are my options
: 发信站: BBS 未名空间站 (Fri Dec 21 14:12:24 2012, 美东)
: I recently tried to refi with Citi. The process started in July and I locked
: in a good rate. Now after 5 month I am still "waiting" for my loan to be
: processed. My sense is that they don't want to honor the rate lock they
: promised (essentially take my case as an "option" if rate goes lower, they
: do refi at my locked rate, which is not a good rate anymore at the time of
: closing, but they just drag on and not do anything if rate goes up, which is
| j********i
发帖数: 913 | 4 我周日回来，跟我联系，我们的利息应该
比Citi retail好， 选择更多。
要是你的case 我们可以做的话，你在citi 损失的appraisal fee
我给你扑上，何必和citi 上法庭？大过节的，开心最重要。
locked
is
【在 m********8 的大作中提到】
: 【 以下文字转载自 WaterWorld 讨论区 】
: 发信人: szhao (szhao), 信区: WaterWorld
: 标 题: Refinance complications--what are my options
: 发信站: BBS 未名空间站 (Fri Dec 21 14:12:24 2012, 美东)
: I recently tried to refi with Citi. The process started in July and I locked
: in a good rate. Now after 5 month I am still "waiting" for my loan to be
: processed. My sense is that they don't want to honor the rate lock they
: promised (essentially take my case as an "option" if rate goes lower, they
: do refi at my locked rate, which is not a good rate anymore at the time of
: closing, but they just drag on and not do anything if rate goes up, which is
| a***e
发帖数: 27968 | 5 哪有rate给lock5个月的？早黄了
locked
is
【在 m********8 的大作中提到】
: 【 以下文字转载自 WaterWorld 讨论区 】
: 发信人: szhao (szhao), 信区: WaterWorld
: 标 题: Refinance complications--what are my options
: 发信站: BBS 未名空间站 (Fri Dec 21 14:12:24 2012, 美东)
: I recently tried to refi with Citi. The process started in July and I locked
: in a good rate. Now after 5 month I am still "waiting" for my loan to be
: processed. My sense is that they don't want to honor the rate lock they
: promised (essentially take my case as an "option" if rate goes lower, they
: do refi at my locked rate, which is not a good rate anymore at the time of
: closing, but they just drag on and not do anything if rate goes up, which is
| k***a
发帖数: 2400 | 6 五个月太长了。不知他们给你lock的利率是多少？如果利率不好就不用再等了。可以联
系我给你quote一下目前的利率。 |
|
