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全部话题 - 话题: loan
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I******A
发帖数: 426
1
下面的2.375%对应的是5/1 ARM的利率,不是7年ARM.
这里大于417K的指的是Super Conforming loan.
最近5/1 ARM,Conforming loan(<=417K)和Super Conforming loan(>417K),同等利率下
,银行给的rebate是一样的.
比如: 5/1 ARM,2.500%的利率,rebate都是1个point.
If loan amount is 450K,那么rebate就是$4500.
If loan amount is 300K,那么rebate就是$3000.
所以Conforming loan和Super Conforming loan,同等利率下,银行给的rebate也一样时
,loan amount越大,就有可能拿更好一点的利率.
希望这些信息能帮助LZ理解以上的5/1 ARM利率的不同.

976%
V******n
发帖数: 881
2
来自主题: Living版 - 有人贷过 portfolio loan 吗?
for a bank, usually they profit from 3 ways
1. sell pooled loans to fannie/freddie. sometimes called warehouse loans.
The bank is looking to sell with premiums. The bank may or may not service
the loan. if it does, it will pass any prepayment on to fannie/freddie and
to MBS investors. fannie/freddie are accountable for any defaults. Or the
bank may securitize loans and sell to investors directly without sending
them to fannie/freddie
2. Keep portfolio loans on balance sheet and profit from cash ... 阅读全帖
c**********e
发帖数: 1184
3
Buyer Agent rebate是不能放在downpayment里面的。所有的rebate无论是lender的还
是agent的加起来都不能超过closing cost。在这一点上,您的loan officer是对的。
Rebate不能放在downpayment里面的理由是如果downpayment被rebate冲抵掉了,那么整
个loan-to-value就变高了,这是lender不允许的,loan-to-value必须严格按照贷款金
额除以买房价格来算。
解决方案:
(1)您的loan officer说tax已经放满了,那么也就是说您的lender给的rebate很多,
您可以看看您的closing cost是不是差不多没有了,如果是,且利率也还不错,您也就
没有什么损失。因为rebate是不能放到down payment里面去的。
(2)您可以问问loan officer能不能降利率而仍然做no cost。RESPA(Real Estate
Settlement Procedures Act)规定Loan Origination Fee在整个做贷款的过程中是不
能增加的,只能... 阅读全帖
c**l
发帖数: 324
4
Reminder: August 16, 2011 is the last day to lock a Super Conforming loan
amount greater than the permanent loan limits for 45-days. After August 16,
2011, a lock period shorter than 45 days will be required.
Original Announcement: 7/26/2011
The temporary Super Conforming loan limits (up to $729,750) are scheduled to
expire September 30, 2011. Super Conforming loans exceeding the "permanent"
loan limits for 2011 (up to $625,500) will not be allowed to lock with a
lock period expiring after Septe... 阅读全帖
p***e
发帖数: 1318
5
来自主题: SanFrancisco版 - 有人找精算子做loan, 我非常不理解。
看看这ID的发文记录, 全在这了。是职业的托。风格和精算子一样,不肉麻不痛快。
1 embarcadero Sep 26 Re: 我记得板上有个巨牛的refi agent,大家能
告诉我是谁吗?
2 embarcadero Sep 26 Re: 请求湾区买房信息
3 embarcadero Sep 27 Re: refinance有风险么?
4 embarcadero Nov 8 Re: 绝对最好的loan agent慧敏博士,没有之一。
5 embarcadero Nov 8 Re: 绝对最好的loan agent慧敏博士,没有之一。
6 embarcadero Nov 13 Re: 干嘛欺负人家精算子?!
7 embarcadero Nov 13 Re: 干嘛欺负人家精算子?!
8 embarcadero Nov 13 Re: 干嘛欺负人家精算子?!
9 em... 阅读全帖
n*******9
发帖数: 3244
6
NEW YORK—Bank of America Corp. will exit the wholesale mortgage-lending
business Tuesday, limiting its dealings with mortgage brokers as it focuses
on loans made with consumers and large community banks.
But some fear the move could leave fewer options for consumers as they shop
for the most competitive mortgage rates.
The decision also leaves Wells Fargo & Co. as a main player in the wholesale
game, which lets consumers secure loans through mortgage brokers instead of
the bank directly. Last ye... 阅读全帖
b********6
发帖数: 195
7
【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: blabla0706 (blabla), 信区: TonyXuClub
标 题: 不靠谱的loan broker有多大可能性mess up my loan
发信站: BBS 未名空间站 (Fri Apr 6 22:07:35 2012, 美东)
用了不靠谱的broker,噩梦就开始了。。。
之前种种错误先不提,下星期一就要去title company签字,昨天把hud给我发过来,还
说: i have reviewed everything, they all looked good to me"....我打开一看,
purchase price就是错的!!
问他,丫说是title company没有及时update....虽然现在改过来了,但我还是很不放
心,因为太多的客人,做loan doc的时候说不准选错了哪一项,我的loan就有
contingency了,到时候交了那么多年钱就都打水漂了。。。。
想问问班上的loan broker,这种情况有可能发生么?
星期一就去签字了,我只budget了两个小时,到时候只有... 阅读全帖
m**********s
发帖数: 85
8
来自主题: Living版 - 我的loan officer和我说谎了?
6月底close的。之后这个小银行把loan卖给了Wells Fargo。后来loan又被转到了一个
更大的我忘了名字的财政机构,但是还是wells fargo管理我的loan。我付mortgage都
是通过wells fargo付的。
原来那个小bank的loan officer告诉我六个月之内不能refinance,说wells fargo有个
restriction什么的,然后有相应的penalty。但是我今天给wells fargo 的
refinancing打了电话,他们说根本就没这回事。
我不知道是谁在说谎,到底怎么回事呢?难道我6个月之内refinance会损害前loan
officer的什么利益?可是我又和她无亲无故,如果利息下降了很多我当然要refinance。
我当时loan的基本情况是high balance,SFH in NJ,30 Years Fix, 3.75%
我现在还是loan的principle还是高于417K,但是前个月拿到绿卡了。如果还是做30年
fix不知道现在多少利率了。刚才wells fargo 那人说可以3.25%,没提有没有cost,
不... 阅读全帖
L**P
发帖数: 3792
9
likely you are wrong for the most part.
you can remove loan contingency when your loan agent is quite sure you will
get the loan, meaning that the conditions remaining on your conditioned loan
approval are soft conditions.
Loan is done only when your escrow accounted is funded by the bank. I never
heard people remove the contigency on the day of funding (i.e., closing)
you have to either remove loan contigency or cancel the deal before the loan
contigency deadline
if you don't remove it after th... 阅读全帖
a*********n
发帖数: 620
10
我的loan其实也不复杂,25%的Townhouse,美国有工作,33万贷款。30 years fixed.
7月10日进入合同,因为我想快点close,所以问了几家,包括seller agent的老婆也想
做我的loan,也是中国人,利率还低一些,她说7月25日可能有点困难,就婉拒她。 小
台北的这家银行的Loan officer说7月25日没有问题,利率还比别家mortage还高一个点
,我也无所谓,因为我想快点close, 我住酒店。 就选了小台北这家。
我在7月17日将所有的loan的资料给了Loan officier, 她也说将提交给了underwriter
。7月18日-7月25日这一周,我每天写信问一下update,她一般不接电话,不回电。7月
25日,我说今天要close了,她说,这周比较忙,刚提交给underwriter,。好那就等下
周一(7月28日),没有消息,8月1日,underwriter来信要查source of fund,有一笔1
.6万来自中国,因为要翻译需要费用,又因为这个问题loan officer误导,耽误一周时
间,最后还是翻译。不能自己翻,要第... 阅读全帖
l******n
发帖数: 1204
11
FICO分数低,其中一个解释是:
PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
The balances of your non-mortgage installment loans (such as auto or student
loans) are high compared to your original loan amounts. As you pay down
your loan your balance decreases, which reduces the proportion.
我没有auto/studnet loans, 只有一个房屋按揭。信用报告有错呢还是FICO自己搞错了
?看了信用报告没有非按揭贷款。
t*******m
发帖数: 36
12
关于loan agent,是直接去bank of america或 wells fargo 银行找loan officer,还
是找第三方独立的loan agent? 各有什么利弊?好像独立的loan agent能货比三家,但
不一定保证close,而且他们要收费,羊毛出在羊身上。去银行的优缺点相反,大家一
般怎么整?
如果贷款额大于417K,例如:550K,是一个loan好,还是一个417K,一个133K,好呢?我
的理解是,两个loan有两份费用,利率是底了,可额外的开销,算下来,一定更合算吗
?而且要找两个机构,这种情况close更麻烦,而且或者找一个load agent, 或者自己
找两家银行。这个情况,大家一般贷一个还是两个咯啊loan?
谢谢
D**0
发帖数: 2048
13
☆─────────────────────────────────────☆
NandG (It\'s my life) 于 (Sun Mar 13 01:56:32 2011, 美东) 提到:
前一段大家讨论时因为与我没干系所以没跟进。现在一个朋友想讨说法啦,我在这儿帮
个忙。他是看了26台的广告,所以他在联系26台,台里还算重视,想多听一些例子
。如果你也是不实广告或promise的受害者,请和26台联系。或PM我,我把26台
电话或email发给你。谢谢。
☆─────────────────────────────────────☆
heWG (我要减肥!!!) 于 (Sun Mar 13 03:10:55 2011, 美东) 提到:
自作孽不可活啊

☆─────────────────────────────────────☆
majia006 (犘斝霛龗鬸) 于 (Sun Mar 13 03:12:23 2011, 美东) 提到:
哈哈,又出事了!
☆─────────────────────────────────────☆
jin... 阅读全帖
c*******y
发帖数: 104
14
我今天去看中一辆二手车,2005 HONDA ACCORD,查了VIN# CARFAX的VIN 有如下记录,
05/21/2011 Registration issue or renewed,
Loan or lien reported.
我就很奇怪了,难道这车LOAN 没还清?!但车主说LOAN已经TOTALLY PAID OFF,而且还
给我展示了他的TITLE PAPER.
难道是车主付清了银行的LOAN,但又拿车去做抵押贷款,套上新的LOAN了?
如果我买了这部车,TITLE转给我了,LOAN也会套我头上??
哎,买车真麻烦,请教板上大牛了。
多谢!!!
c*********0
发帖数: 1676
15
来自主题: Automobile版 - auto loan APR 2.44%怎么样
今天收到chase的auto loan promotion,2.53-3.28%的rate,3.28附上一大堆discount
后才能拿到2.53%。
然后头脑抽筋去lendingtree查auto loan的行情,据说有auto loan之类的credit
installment,会很方便build credit。然后就被气得撞墙了,根本就没有申请什么
auto loan,把ssn输进去后,就被一大堆骗子去银行hard pull我的credit。roadloans
.com这个垃圾骗子行动最快,又是pull,又是电话,又是邮件,说我approval了。妈的
,23.8%得rate,泥马当我是傻子呀。
然后另一银行也说批准了,我都没申请呀,我填了那个requst compare loan rate后,
就当我向所有得loaner申请了,这他妈算什么呀。还好,这个银行得rate还不错,2.44
%for2013的新车。
前几天去bmw bayside找一认识的人,给一朋友买车,说也要3.75%。
以前听说的这个rate不是都是0%,或者less than 1%的吗?
大家用auto lo... 阅读全帖
I******s
发帖数: 319
16
来自主题: Classified版 - Houston,招聘Loan Processor
爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州,分别在CA, MD, TX, WA设有分公司
;因业务增长,需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位: Loan Processor
• 本科及以上学历
• 工作地点: 休斯顿
• 需要有工作许可,公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]
/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad r... 阅读全帖
e***r
发帖数: 110
17
来自主题: Family版 - 买房找loan broker的问题? (转载)
【 以下文字转载自 Money 讨论区 】
发信人: elgnr (elgnr), 信区: Money
标 题: 买房找loan broker的问题?
发信站: BBS 未名空间站 (Sun Aug 16 16:45:10 2015, 美东)
找了第一个loan broker pull了我的信用报告。现在要找第二个loan broker, 可以直
接把第一个loan broker pull的credit report转给第二个loan broker么?
主要担心第二个loan broker 再pull的话伤信用分数。。
谢谢!
m**********w
发帖数: 4161
18
来自主题: Investment版 - 401k loan tax deduction on home mortage
Can I deduct the interest I pay on a 401(k) loan if I use the money to buy a
house?
You can deduct the interest you pay on a 401(k) loan if your house is
collateral for the loan. However, you must specify in the loan agreement
that the house will be collateral for the loan. Otherwise, you won’t be
able to deduct the interest you pay back to your 401(k) plan even if you use
the loan proceeds to buy a home.
Excerpt from the following. It's a nice link.
http://moneycentral.msn.com/quickref/quickref
I******s
发帖数: 319
19
来自主题: JobMarket版 - Houston,招聘Loan Processor
爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州,分别在CA, MD, TX, WA设有分公司
;因业务增长,需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位: Loan Processor
• 本科及以上学历
• 工作地点: 休斯顿
• 需要有工作许可,公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]
/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad r... 阅读全帖
I******s
发帖数: 319
20
来自主题: JobMarket版 - Houston,招聘Loan Processor(Sponsor H1B)
爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州,分别在CA, MD, TX, WA设有分公司
;因业务增长,需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位: Loan Processor
• 本科及以上学历
• 工作地点: 休斯顿
• 需要有工作许可,公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad ra... 阅读全帖

发帖数: 1
21
Summit Mortgage Bankers, inc. (SMB), a leading residential mortgage lender
headquartered in NYC, offering home loans nationwide. Whether you are
currently licensed through CalBRE (California Bureau of Real Estate), CalDBO
(California Department of Business Oversight), or looking to get licensed;
We have the perfect opportunity for you. SMB has been providing our clients
lending solutions for over 23 years and we will assist you in developing the
skills necessary to enjoy a successful career as a... 阅读全帖
I******s
发帖数: 319
22
爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州,分别在CA, MD, TX, WA设有分公司
。因业务增长,需招聘一至二名中英文流利的新员工。具体要求如下:
职位: Loan Processor
本科及以上学历
工作地点: 休斯顿
需要有工作许可,公司可办理工作签证及绿卡
有意者请将简历及其它相关材料发送至: career(at)ivymtg.com
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad range of services continues to grow, along with
our client base, ... 阅读全帖
r******d
发帖数: 1879
23
A VA loan is a mortgage loan in the United States guaranteed by the U.S.
Department of Veterans Affairs (VA). (from wikipedia). If you were not a
solider before, you are not qualified for this program.
An FHA insured loan is a Federal Housing Administration mortgage insurance
backed mortgage loan which are provided by FHA-approved lenders. FHA insured
loans are a type of federal assistance and have historically allowed lower
income Americans to borrow money for the purchase of a home that they w
d******n
发帖数: 2712
24
来自主题: Living版 - 关于Second loan
FHA loan就是down pay低,申请的时候要交一笔upfront MIP,还要买mortgage
insurance premium,这种insurance是政府保的。我们公司不做FHA loan,不过,道听
途说,FHA loan的rate跟conventional loan似乎相差不远,而FHA的mortgage
insurance和Private mortgage insurance的月费似乎也类似。不过,conventional
loan 目前似乎最高也就做到90% LTV,就是说down pay要10%。
LZ如果只想只付5% down pay的话,估计只能是FHA了。这年头2nd loan是很不不容易拿
的了。
R******t
发帖数: 166
25
I was wondering if we need to receive the Rate locked and loan approval
confirmation letter before we can
remove the loan contingency.
Right now I only have an one-sentence email from my loan agent that the rate
was locked. When I requested
the loan approval letter, loan agent emailed that may doc has been drawn and
they are waiting for lender's
approval for signing since lender need to review the escrow document before
we sign. She said it's ok for us to
remove contingency and could keep her em... 阅读全帖
E**********e
发帖数: 1736
26
loan documents 前天下来,也签字了。 本来说好今天funding。昨天补上最后的
documents。今天我们的agent被告知需要额外两天(还是不知道可不可以批下拉,没有
个确信)。 agent 很急, 说额外两天的话, 有些documents会过期,需要从新
underwritting。 有这回事吗?
需要额外两天的原因呢, 估计是有个900刀的cash deposit, 我的loan agent说是这
是个问题,loan 期间最好不要cash deposit, 那我从没知道啊。 那这个900怎么来的
呢, 在loan期间, 车漏油了, 就买了个新车, 把旧车就950卖了。 新车是cash 买
车。 现在银行还有1万多的额外的cash。downpayment和closing也wire了。而起卖车的
交易记录(bill of car sale)也给lender了。
板上的loan agent或熟悉的人可不可以解答一下? 这种cash deposit能loan下来吗?
现在麻烦的是明天就是seller给的最后closing时间, 我们也通知房东下个月中要搬出
了。
d*******r
发帖数: 1831
27
【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: deepwater (blue), 信区: TonyXuClub
标 题: refi 还是loan rate modification?
发信站: BBS 未名空间站 (Mon Aug 15 13:38:22 2011, 美东)
现在的loan付了一年多了,想refi,问了一下现在做loan的credit union,说是可以不
需要refi,做loan rate modification就可以了。还是按原来的15年期限,不是重新15
年。rate调低到3.25%,但是花1000块钱的loan rate modification fee。好处是不需
要做refi的一大推paper work和closing cost,只要填一下loan rate modification表
就可以了。
问一下,这个1000块钱跟no point no cost的refi比值得吗?现在refi no point no
cost15年fix能做的到3.25吗?其他地方看到今天多是3.375.
d******n
发帖数: 2712
28
来自主题: Living版 - 给做loan的同学们一个建议
所谓loan origination fee,也就是GFE里box 1的number,正常情况下,那个number在
disclose之后,是根本不能改的,除非是客人自己要求买point之类的。
另外,对于no cost refi,大致有3部分钱是客人需要在closing的时候自己交的。
1)prepay interest,就是从funding当天到下个月1日的按天算的新loan的利息。
2)property tax已经homeowner ins 在escrow账户里的deposit。如果在银行收到第一
笔monthly payment之前就要代替客人交property tax,那么银行会预收那笔前,而且
会在funding之后尽快交给township。
3)新的loan amount与现有loan的payoff balance间的差额。payoff balance高,客人
需要补钱进去,payoff balance低,那么多出来的钱会冲抵前面两项的钱。
旧loan的escrow account会在loan被payoff之后结算,把里面的balance退回给客人。
对于overlap的... 阅读全帖
z****a
发帖数: 143
29
房子下周二要close,今天看到最后的HUD上面,发现loan officer清清楚楚许诺的
refund的appraisal fee,在closing cost里面算作了一项收费,然后又给了一个同样
数额的credit,一来一去相当于我们还是自己付appraisal fee。我们是事先付过
appraisal的,这个不应该在closing时再算一遍,而loan officer许诺在closing时候
refund给我们,这个是有email证据的。
现在打电话给loan officer,他竟然说,如果你想周二之前close,现在来不及重新做
loan doc了,你想买房子的话就签,不然就算。明摆着讹诈我们。
这个是local well fargo的一个美国人,最早去时信誓旦旦,说的天花乱坠。后来做
loan的时候极其不负责任,能骗就骗,一拖再拖,我们的commitment letter已经出了
两周,他的loan doc还是出不来,closing date已经因为这个从今天拖到下周二。我们
不得不在现在的apartment续约,损失一笔钱。现在他又想赖账不给appraisal cred... 阅读全帖
k*z
发帖数: 4704
30
来自主题: Living版 - lock了一个loan from BoxHomeLoans
Congratulations! Your loan has been locked. Below are the terms of your lock.
Loan Amount $238,000.00
Property Value $298,000.00
Loan to Value 79.87 %
Loan Type Conventional
Loan Program 30 Year Fixed
Monthly Payment $1,052.19
Interest Rate 3.375%
Points -0.375
Loan Purpose Purchase
Lock Expires: Feb 18, 2013
APR 3.396%
State Nevada
Property Type Single Family Residence
Guaranteed Lender Fees
HUD # Description Cost
801 Processing Fe... 阅读全帖
s********k
发帖数: 2352
31
关于贷款的问题,是jumbo loan好呢 还是一个普通的loan + home equity loan好呢。
尽快吧home equity loan还上的话,似乎更合算,但是这几年月pay就都了很多。 如
果几年之后refi或者卖房子呢, 情况又不一样。 。。算不清楚了
A**J
发帖数: 275
32
来自主题: Living版 - Mortgage Loan Officer (转载)
【 以下文字转载自 Chicago 讨论区 】
发信人: AuBJ (AuBJ), 信区: Chicago
标 题: Mortgage Loan Officer
发信站: BBS 未名空间站 (Tue Aug 20 13:46:22 2013, 美东)
Hello,
Anybody could help to answer the following question?
By LI state law, if mortgage loan officer A accept a loan application on 2/1
/2013, he left the employer on 2/20/2013, the loan was originated on 5/15/
2013 and was originated by Loan Officer B.
Which NMLS# should the loan carry, A or B?
Thanks,
L**P
发帖数: 3792
33
one thing you have to understand, the loan agent does not make any decision
on your loan.
The lender makes the decision.
So NO loan agent can 100% 保证loan能按时下来
However, a good loan agent with experience will be honest with you and tell
you his educated guess of the loan success, then you can make a good
decision to remove it or not.
t***r
发帖数: 157
34
来自主题: Living版 - 明天是loan contigency最后一天
The seller/agent are pushing us to sign the loan contingency removal
addendum now, this morning we received a letter from the loan officer that
says that " the loan has been conditionally approved. the loan officer/bank
will contact you with additional document requirements/requests". Is this
the commitment letter? What if we sign the loan contingency removal addendum
, and the loan is not approved in the end, will we lose the deposit?
e***r
发帖数: 110
35
来自主题: Living版 - 买房找loan broker的问题? (转载)
【 以下文字转载自 Money 讨论区 】
发信人: elgnr (elgnr), 信区: Money
标 题: 买房找loan broker的问题?
发信站: BBS 未名空间站 (Sun Aug 16 16:45:10 2015, 美东)
找了第一个loan broker pull了我的信用报告。现在要找第二个loan broker, 可以直
接把第一个loan broker pull的credit report转给第二个loan broker么?
主要担心第二个loan broker 再pull的话伤信用分数。。
谢谢!
p*******1
发帖数: 102
36
有人用过IRVINE的CASH CALL MORTGAGE的吗?同事用他们家做的PURCHASE LOAN,据说
是IN HOUSE UNDERWRITER,他们家的LOAN可以在两个星期内就CLOSE,我说的是在2015
年10月3日的新的规定以后,而且他家的利率好像比QUICKEN LOAN还好。
有人用过的吗。他家在IRVINE有一个很大的BUILDING。不是小公司。据说他家在南加州
发展很快,我看YELP上评价也是说他们能够两个星期就CLOSE PURCHASE LOAN,两个星
期就做完REFINANCE。这个速度简直是比大银行快了一倍都不止啊。
大银行应该改革了,LOAN AGENT如果两个星期一个LOAN,这样拿COMMISSION的速度也提
高一倍,虽然辛苦,但是等于每年多挣一倍的钱啊。

发帖数: 1
37
我们正在申请两个loan,第一个loan因为appraisal出了大问题,比我们offer price低
了10万,不得不再申请一个。第二个loan appraisal回来,跟我们offer price基本差
不多了,但利息高不少。这时候第一loan又说经过调整以后,apprasial提高了3w,算
了一下我们现金足够可以close
具体情况如下:房价是1m,我们因为存款差点才够20%,所以用了10%downpay的option
第一个loan直接就是一个利率,4.75% 30y fix。问题是因为他们家做的appraisal低了
好几万,我们必须自己掏钱pay the gap。虽然我们现金够,但弄完之后就剩一万多而
已,很多upgrade没法做了
第二个loan分两部分,第一部分是传统的80%,利率3.85% arm7,第二部分叫heloc,是
房价的10%,利率是5.75%。heloc部分随时可以pay off。由于他们估计跟我们的出价几
乎一样,我们可以多贷不少钱,手头现金会充裕很多。
大神能不能帮我分析一下,这怎么选比较合适?
l********a
发帖数: 126
38
我现在有几万块钱的credit card loan,都是0APR的。不过0APR快要到期了,所以准备
统统还清。
但是收到一家叫做Meadowbrook Financial Corp的信说可以提供
$60,000 Debt Consolidation Loan at 3.18%
我打电话过去问,他们说这个60K的credit line和3.18%的rate都是pre-approved,就
是只要我要就肯定有。
3.18%对于我来说是一个很低的rate,我的capital可以很容得到比这个高的yield。所
以如果这个offer是真的话,我很想跟他们借这这个loan。
但是觉得3.18%的rate有点too good to be true。房屋贷款那种有secured loan的rate
也就是3%左右。如果我自己去银行借unsecured personal loan,利率应该是8%以上。
这家公司怎么可能以3%这么低的利率借给我unsecured loan?
这里面有没有什么scam啊?
e***r
发帖数: 110
39
来自主题: PennySaver版 - 买房找loan broker的问题? (转载)
【 以下文字转载自 Money 讨论区 】
发信人: elgnr (elgnr), 信区: Money
标 题: 买房找loan broker的问题?
发信站: BBS 未名空间站 (Sun Aug 16 16:45:10 2015, 美东)
找了第一个loan broker pull了我的信用报告。现在要找第二个loan broker, 可以直
接把第一个loan broker pull的credit report转给第二个loan broker么?
主要担心第二个loan broker 再pull的话伤信用分数。。
谢谢!
s****s
发帖数: 2163
40
上周基本上都在holiday mode, 躲在家里看连续剧,今天考古了一下,看了所有关于金
算子的,吓了一跳。
我先说说做loan的过程吧。
第一,你找到loan agent后,loan agent会把你的所有w-2, 工资单,credit report,
contract, title report etc.送到银行,由银行的underwriter approval. take 5-7
days normally
第二,在拿到了conditional approval 之后,人家会查你的工作,rent history. 看
你们关于section i是怎么处理的。看hoa document, review appraisal etc. 以及任
何他们需要的其他材料。take 0-2 weeks.
第三,在上述都通过了之后,issue loan doc. Buyer to sign loan doc. escrow
overnight the loan doc back to bank to review. 如果没问题,就fund, 有问题,
比如,bank 不喜欢agent的某一个
e*******h
发帖数: 25
41
更正如下:
刚刚agent给我打电话了,人在中国。答复是一个星期后灰美国后会把104刀退给我。
这里先向该agent道个歉,之前言语不当之处很抱歉。
虽然这次refinance问题多多,有些问题并非该agent本人之误,或许可以归结
为我运气不好,以至于迟迟不能close. 能拿回104刀,对自己也算说得过去了。
谢谢本版,让我发这个帖子,也引起了该agent的注意,并得到答复。
原文如下:
此人不知道从哪里得到我的信息,一直给我发信(如下)。正好我要做refinance, 就
打电话过去聊了聊,觉得人还比较诚恳,就找他做了,结果问题重重,这里先不说了。
现在loan close了,他的几千刀也赚了(1%),之前还有点问题他还没有答复我的,
现在找他,好几天了,写邮件,打电话,都没有回音了。都是老中,虽然找他做loan,
让我现在很后悔,看在同胞的份上,吃亏就算了,现在玩失踪,是不是太无耻下作了些?
湾区哪位跟他打过交道的吃过苦头的,请跟我联系。
想做loan或者refinance的同学,也可以跟我站内联系或在这里讨论,听听我的真实经
历。
Charles Zhong
Phone: 6... 阅读全帖
Q***N
发帖数: 2972
42
来自主题: SanFrancisco版 - 见过这么卑劣的loan agent吗?
首先我不做LOAN,但知道LOAN的皮毛.
这个8个月的EARLY PAYOFF是银行约束LOAN broker的, 提前REFIN, 银行会让LOAN
BROKER罚款.大多数是6个月,但银行改8个月不需要客户/LOAN BROKER的同意.
一般LOAN AGENT 在REFINANCE会问有没有过EALRY PAYTOFF.
我是局外人,可能双方的交流有问题.另外最近的利息暴涨是导火索.利率不变或下跌就
和谐了.
d*j
发帖数: 756
43
来自主题: SanFrancisco版 - 请教关于做 loan rebate. 刚刚买房。
请教版上牛人,刚刚买了一个房子。下面开始弄 loan。
请问做 loan 是不是可以跟 loan agent 要rebate 啊? 一般要多少呢?
之前buy agent hard pull 了我的credit 这个是不是做 loan 必须的啊。我当时也没
说定让他做loan 这个他 hard pull 会不会影响我的credit,影响我找别人做 loan啊?
谢谢!
r******d
发帖数: 1879
44
来自主题: SanFrancisco版 - 急需靠谱的 loan agent
Is your loan a jumbo loan? How many days do you need to close escrow in
contract?
BOA is usually slow, however, if your closing time is over due, switching to
the different lender will not speed it up anyway since you have to restart
entire loan processing from beginning.
Just push your loan agent, and work with her/him closely. this is the only
thing you can do at this point.
If your loan is jumbo loan, usually it will take longer time for lender to
close.
Let me know if you have any questions... 阅读全帖
Q***N
发帖数: 2972
45
refinance没有deadline, 45天60天close都可以。
Purchase Loan 写45天的话,这样的offer完全是打酱油的。 没有哪个Listing Agent
愿意选这样的offer。Purchase Loan基本都是21天到30天。 30天Close都是算比较慢的
Close。 所以买房选Loan Agent很重要,这也是为什么我们Real Estate Agent更愿意
推荐自己熟悉的Loan Agent。 我们不能和Loan Agent有任何金钱利益关系,但是和经
验丰富的Loan Agent合作实际是双方互利的。

发帖数: 1
46
Brian Yuan你智商欠费也就算了,作为googain的贷款经济,在网上散布不实谣言是要
承担法律责任的。我已经把你发布的谣言和发给我的低利率的钓鱼短信(里面有你的联
系方式)做了截屏,小心各大银行联合起来告你,看shawn怎么收拾你。
jumbo loan利率比不过银行就老老实实做你的conforming loan,你们googain的其他
贷款经济今年refinance conforming loan都做的风生水起,盆满钵满,今年跳槽去
各大银行的比前两年少很多。你偏要跟其他银行抢jumbo loan,被各大银行揍的满地
找牙,还不服气,为了强调你所谓的in-house underwriting,前几周虚拟了一个
purchase loan说“某南加银行”要做60天,南加的underwriting能和北加比吗?
再说哪家银行不是in-house underwriting?
只有你们jumbo loan要卖给银行,贷款需要exception的时候需要银行
underwriting,别的银行的贷款会让你们googain underwriting吗?
只有你们需要exception的... 阅读全帖
j****g
发帖数: 632
47
Loan/Lien Vehicle Use and EventCheck A loan/lien is the legal right to
take and hold or sell the vehicle of a debtor as security or payment for a
debt. Normally, a vehicle will have a lien due to a loan or unpaid repair
bill against the vehicle. Check with the seller to ensure that the lien has
been satisfied. Vehicle Use and EventCheck A loan/lien is the legal
right to take and hold or sell the vehicle of a debtor as security or
payment for a debt. Normally, a vehicle will have a lien due... 阅读全帖
c*******y
发帖数: 104
48
下面是他的carfax记录,最后一条记录的Loan or lien reported很头疼,carfax最后
还提醒我了,这是不是很不正常?关键是他老是强调能陪我转成title,我现在搞的头
晕脑胀!
Date: Mileage: Source: Comments:
05/13/2005 Ron Tonkin Honda
Portland, OR
503-255-8345
www.tonkin.com Mud flaps/splash guards installed
Pre-delivery inspection completed
Washed/detailed
05/31/2005 2 Washington
Motor Vehicle Dept.
Vancouver, WA Title or registration issued
First owner reported
Registered as
personal vehicle
Loan or lien reported
06/2... 阅读全帖
s******4
发帖数: 1541
49
来自主题: Automobile版 - 发一个Lease比Loan省钱的实例
1. Residual value is a very important factor for leasing, many companies
have different percentage of residual value. BMW has around 65% residual
value meaning we only pay around 35% (tax +fees again). However a loan we
pay around 50% for three years.
2. LZ should consider when you trade the car after 3 years, if it's a loan
we could at least get part of our money back plus the tax(most of the time
we trade for a lot more money), but if it's a lease we get nothing and
sometimes we have to pay a ... 阅读全帖
s******t
发帖数: 1956
50
来自主题: Investment版 - Lending Club上一秒就被抢光的loan
刷一下屏,就不见了。谁能给分析分析。
Amount Requested $35,000
Loan Purpose Debt consolidation
Loan Grade E1
Interest Rate 18.25%
Loan Length 3 years (36 payments)
Monthly Payment $1,269.73 / month
Review Status Under Review
Funding Received $35,000 (100.00% funded)
Investors 375 people funded this loan
Note Status In Review
Loan Submitted on 5/18/15 7:17PM
Home Ownership MORTGAGE
Job Title Principal/Managind Director
Length of Employment 10+ years
Gross Income $25,000 / month... 阅读全帖
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