c****s
发帖数: 834 | 1 贷款180K, 4.25% for 15 years no point, no fee
下面是Closing cost，请过来人评点。谢谢。
Loan originate fee: $1800
Loan discount: $450
Appraisal fee: $350
Mortgage broker fee: $90
Flood certification: $25
Commitment fee: $450
Application fee: $ 49
Document management fee: $100
Closing/Escrow fee: $625
Attorney fee: $400
Recording fee: $100
Pest inspection: $100
Home inspection: $350
Interest: $21.25
Hazard Ins. Premium: $600
Total cost: $ 5510.25 |
P********6
发帖数: 709 | 2 Wells Fargo的中国人给你的吧, 算不错的了 |
q****p
发帖数: 4536 | 3 没有owner's and lender's title insurance?
另外要注意这还不包括给政府的state/county/city tax stamps。
如果以上两点还需另算的话，你可以考虑再讲讲orgination fee。 |
z**********i
发帖数: 12276 | 4 听realtor说,closing cost2-3千.除了inspection,还要5000?
贷款180K, 4.25% for 15 years no point, no fee
下面是Closing cost，请过来人评点。谢谢。
Loan originate fee: $1800
Loan discount: $450
Appraisal fee: $350
Mortgage broker fee: $90
Flood certification: $25
Commitment fee: $450
Application fee: $ 49
Document management fee: $100
Closing/Escrow fee: $625
Attorney fee: $400
Recording fee: $100
Pest inspection: $100
Home inspection: $350
Interest: $21.25
Hazard Ins. Premium: $600
Total cost: $ 5510.25 |
l*****i
发帖数: 3929 | 5 跟我的差不多，有些名目不同而已
【在 z**********i 的大作中提到】
: 听realtor说,closing cost2-3千.除了inspection,还要5000?
: 贷款180K, 4.25% for 15 years no point, no fee
: 下面是Closing cost，请过来人评点。谢谢。
: Loan originate fee: $1800
: Loan discount: $450
: Appraisal fee: $350
: Mortgage broker fee: $90
: Flood certification: $25
: Commitment fee: $450
: Application fee: $ 49
|
q*******n
发帖数: 1334 | 6 Why is it called no point no fee? The $1800 origination fee sounds like 1
point to me.
If it's truly no point no fee, then the origination fee should be 0. But in
that case you might not be able to get 4.25%.
【在 c****s 的大作中提到】
: 贷款180K, 4.25% for 15 years no point, no fee
: 下面是Closing cost，请过来人评点。谢谢。
: Loan originate fee: $1800
: Loan discount: $450
: Appraisal fee: $350
: Mortgage broker fee: $90
: Flood certification: $25
: Commitment fee: $450
: Application fee: $ 49
: Document management fee: $100
|
c****s
发帖数: 834 | 7 From a mortgage company called WR Starkey. Can you forward the contact
information of the Chinese broker from Wells Fargo to me?
【在 P********6 的大作中提到】
: Wells Fargo的中国人给你的吧, 算不错的了
|
c****s
发帖数: 834 | 8 Thank you all for your comments and suggestions. Do you any other lenders to
recommend? it is a good point that Quietrain made. Do you still think it is
an OK deal even with this 1 point?
in
【在 q*******n 的大作中提到】
: Why is it called no point no fee? The $1800 origination fee sounds like 1
: point to me.
: If it's truly no point no fee, then the origination fee should be 0. But in
: that case you might not be able to get 4.25%.
|
s*******t
发帖数: 57 | 9 I think you can get a better deal from my experience. Note that this closing
estimate does not include lender title insurance and owner title insurance,
which is about another $900-1300.
【在 c****s 的大作中提到】
: 贷款180K, 4.25% for 15 years no point, no fee
: 下面是Closing cost，请过来人评点。谢谢。
: Loan originate fee: $1800
: Loan discount: $450
: Appraisal fee: $350
: Mortgage broker fee: $90
: Flood certification: $25
: Commitment fee: $450
: Application fee: $ 49
: Document management fee: $100
|
c****s
发帖数: 834 | 10 Thanks a lot.
closing
insurance,
【在 s*******t 的大作中提到】
: I think you can get a better deal from my experience. Note that this closing
: estimate does not include lender title insurance and owner title insurance,
: which is about another $900-1300.
|
