l******o
发帖数: 162 | 1 1. Full appraisal: 365
2. credit report: 35
3. Charges from attached GFE supplement: 110
4. Title service and lenders title insurance: 2,875
5. Government recording: 215
6. Transfer taxes: 1,083
7. Inital deposit for escrow account: 3,900
8. Daily interest changes (for 15 days): 504
Total: 9,087. |
C*******d
发帖数: 15836 | 2 1 and 2: reasonable.
3: Don't know what this is but it is not big.
4: Quite high.
5,6,7, and 8: Basically there is nothing you can do about them and they are
what you should pay.
So I think you only need to figure out item 4. It can include lawyer fee (~$
500), title search (~$200), and title insurance $~$1000), etc. |
b********3
发帖数: 994 | 3 不要误导！！！
第四个的amount根本就不是银行决定，是borrower自己请的律师决定的。
除了123，其他的都不是lender管得着的。
are
~$
【在 C*******d 的大作中提到】
: 1 and 2: reasonable.
: 3: Don't know what this is but it is not big.
: 4: Quite high.
: 5,6,7, and 8: Basically there is nothing you can do about them and they are
: what you should pay.
: So I think you only need to figure out item 4. It can include lawyer fee (~$
: 500), title search (~$200), and title insurance $~$1000), etc.
|
C*******d
发帖数: 15836 | 4 Many banks/sellers will choose to have their own closing companies and
lawyers as their condition to sell their houses.
You think banks will allow the buyers to choose which title insurance to use
to protect their own investment? I think it is just irrational. Tell me you
choose title insurance for your lender. Then I can trust you for your case.
【在 b********3 的大作中提到】
: 不要误导！！！
: 第四个的amount根本就不是银行决定，是borrower自己请的律师决定的。
: 除了123，其他的都不是lender管得着的。
:
: are
: ~$
|
h*****n
发帖数: 263 | |
h****h
发帖数: 1168 | 6 no 4 is not by the bank, it's by the title company.
most of the cost is defined by the state law.
are
~$
【在 C*******d 的大作中提到】
: 1 and 2: reasonable.
: 3: Don't know what this is but it is not big.
: 4: Quite high.
: 5,6,7, and 8: Basically there is nothing you can do about them and they are
: what you should pay.
: So I think you only need to figure out item 4. It can include lawyer fee (~$
: 500), title search (~$200), and title insurance $~$1000), etc.
|
C*******d
发帖数: 15836 | 7 You are right. But bank chooses title company, so from this aspect bank has
some control of the price. That said, I think it it quite hard to argue with
bank on this point.
From all the suggestions above, I think the OP has little to do about these
costs. In another word, there is no much need to worry about them.
【在 h****h 的大作中提到】
: no 4 is not by the bank, it's by the title company.
: most of the cost is defined by the state law.
:
: are
: ~$
|
h****h
发帖数: 1168 | 8 for BoA,
u have normally 3 days to change the title company after applicaiton,
or boa will choose one. who might not make the decision based on price.
google state title insurance will give u acctual cost.
has
with
these
【在 C*******d 的大作中提到】
: You are right. But bank chooses title company, so from this aspect bank has
: some control of the price. That said, I think it it quite hard to argue with
: bank on this point.
: From all the suggestions above, I think the OP has little to do about these
: costs. In another word, there is no much need to worry about them.
|
h*******n
发帖数: 8906 | 9 buyer 能选closing company得，不过一般seller、银行都会在合同里面写明这种情况
下buyer需要负担更多的费用
use
you
case.
【在 C*******d 的大作中提到】
: Many banks/sellers will choose to have their own closing companies and
: lawyers as their condition to sell their houses.
: You think banks will allow the buyers to choose which title insurance to use
: to protect their own investment? I think it is just irrational. Tell me you
: choose title insurance for your lender. Then I can trust you for your case.
|
C*******d
发帖数: 15836 | 10 Thanks hometh and henshuhen for sharing!
When I bought my house, the closing company and title insurance company were
specially designated by the seller in the contract, so I was not giving any
choice in that aspect. But it is great to know that there are special state
regulations for that, which certain is a good option for the buyer. |
J***1
发帖数: 203 | 11 如果直接walk in银行，最后的closing costs就得掏这么多钱么？太夸张了。找broker
一般都是2000-4000搞定closing costs。这么说还有人直接walk in bank 贷款么？ |
