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Living版 - 大家帮我看看我的closing fee
相关主题
closing cost 和 lock rate的常见问题
origination charge 是 我付给loan officer的吗
Closing costs--Reasonable?
broker一般收多少origination fee?
谈好了的mortgage rate变卦了?懂行的给讲讲
大家帮我看看refinance HUD里的这几项啥意思?
Closing Cost问题,有包子:)
新房closing cost,builder mortgage company,大家看看数字都算合理吗?
loan agent要我直接支票给她0.5% loan amount
【闲话房贷】怎样阅读和理解GFE(Part 2 of 2)
相关话题的讨论汇总
话题: fee话题: closing话题: builder话题: rate话题: 5000
进入Living版参与讨论
1 (共1页)
l****G
发帖数: 1197
1
新房,5月完工,如果用builder 的mortgage, 他们帮忙$5000. rate 可以锁
180天,但要加.25%, 查了查最近180天rate, 5.375%。 我在GA
5000 closing fee:
origination charge 1%: 2299
MERS registrationg fee: 7
underwriting fee: 450
Procwssing fee:395
tax service fee: 89
flood certification: 28
final inspection fee: 50
Lender title insurance: 575
Abstract or titile search: 95
Attorney fees: 500
Doc review 80
Owner title insurance: 415
l****G
发帖数: 1197
2
Sorry, can not input Chinese. Any help about the loan? Should I find other
broker for mortgage?
Thanks,

【在 l****G 的大作中提到】
: 新房,5月完工,如果用builder 的mortgage, 他们帮忙$5000. rate 可以锁
: 180天,但要加.25%, 查了查最近180天rate, 5.375%。 我在GA
: 5000 closing fee:
: origination charge 1%: 2299
: MERS registrationg fee: 7
: underwriting fee: 450
: Procwssing fee:395
: tax service fee: 89
: flood certification: 28
: final inspection fee: 50

g*****9
发帖数: 4125
3
It doesn't hurt to look other places, what is their rate if you do not pay
the 1 point. I assume this is for 30 year conventional and you are not in
sub prime, right?
Also if this house is new and lender is already buying a title insurance,
you can skip the owners policy if money is tight (personally, I would buy it)
Anyway, how big is the house and congrats.

【在 l****G 的大作中提到】
: 新房,5月完工,如果用builder 的mortgage, 他们帮忙$5000. rate 可以锁
: 180天,但要加.25%, 查了查最近180天rate, 5.375%。 我在GA
: 5000 closing fee:
: origination charge 1%: 2299
: MERS registrationg fee: 7
: underwriting fee: 450
: Procwssing fee:395
: tax service fee: 89
: flood certification: 28
: final inspection fee: 50

l****G
发帖数: 1197
4
Thanks for reply.
If I do not buy the 1 point origination fee, the rate will be 5.75% now.
The new house price around 280k, I loan around 230k. The house is around
3500feet.
Is there anyway to avoid passing the approve? I.e I can find my own broker,
and still get the builder 5000 closing help?
Thanks

it)

【在 g*****9 的大作中提到】
: It doesn't hurt to look other places, what is their rate if you do not pay
: the 1 point. I assume this is for 30 year conventional and you are not in
: sub prime, right?
: Also if this house is new and lender is already buying a title insurance,
: you can skip the owners policy if money is tight (personally, I would buy it)
: Anyway, how big is the house and congrats.

g*****9
发帖数: 4125
5

I think you can get a better deal some place else, but they depends on your
credit and a few other things I guess.
Less than $100 per sq ft is always a good deal if builder put in some nice
stuff.
,
That is up to your builder, you will have to ask them.

【在 l****G 的大作中提到】
: Thanks for reply.
: If I do not buy the 1 point origination fee, the rate will be 5.75% now.
: The new house price around 280k, I loan around 230k. The house is around
: 3500feet.
: Is there anyway to avoid passing the approve? I.e I can find my own broker,
: and still get the builder 5000 closing help?
: Thanks
:
: it)

l****G
发帖数: 1197
6
Thanks, I already pay $370 for credit report, my credit is 770 (Fair Issac),
770(Empirica), 745(Beacon).
The builder's mortgage dept send me a new HUD-1 which is higher that the
previous one when we sign the contract. Is that normal?
Thanks again.

your

【在 g*****9 的大作中提到】
:
: I think you can get a better deal some place else, but they depends on your
: credit and a few other things I guess.
: Less than $100 per sq ft is always a good deal if builder put in some nice
: stuff.
: ,
: That is up to your builder, you will have to ask them.

R***n
发帖数: 680
7
I think you should shop around to find a lower rate. Then talk to the
builder to see if they can cover some closing cost. They may pay less than
5000.
g*****9
发帖数: 4125
8
It is always an estimate until everything is locked down.

),

【在 l****G 的大作中提到】
: Thanks, I already pay $370 for credit report, my credit is 770 (Fair Issac),
: 770(Empirica), 745(Beacon).
: The builder's mortgage dept send me a new HUD-1 which is higher that the
: previous one when we sign the contract. Is that normal?
: Thanks again.
:
: your

l****G
发帖数: 1197
9
Yes. the closing fee maybe higher than this. This builder give me a higher
rate. But they said if I can not get approved from them, they will also help
me 5000 to look for other broker.
The previous HUD they gave me did not have the lender title insurance, it
seems they add lots on this mortgage. I wonder is it still better if i deny
their 5000 help to look for other broker?
Thanks

【在 g*****9 的大作中提到】
: It is always an estimate until everything is locked down.
:
: ),

1 (共1页)
进入Living版参与讨论
相关主题
【闲话房贷】怎样阅读和理解GFE(Part 2 of 2)
也帮我看看这份GFE: 大家收到的HUD-1和GFE,要付的钱差别大吗?
关于close cost的问题
想向板上大牛请教一下no cost refinance的事情
能帮我看看这个closing cost么
请帮忙比较GFE
closing cost疑问
appraisal一般什么时候付,谁付?
请问close cost的收费里面各项收费的具体情况
3.25% 15年fix,明天close
相关话题的讨论汇总
话题: fee话题: closing话题: builder话题: rate话题: 5000