t****h
发帖数: 109 | 1 I just start shopping for mortgage now, and find out that the closing cost
is around 13k from the Chase and Bank of American website:
From BOA:
Closing Cost Details
30-Year Fixed Rate
Total Bank of America Fees $2,635
Third Party Fees $7,286
Estimated Prepaid Items (Interest & Insurance) $1,653
Estimated Escrow Account Funds $1,983
Total Estimated Closing Costs $13,557
From Chase
.......... 30 Year Fixed Rate - 4.875% rate, $1,756.97 monthly payment, 1.
000 points
Title Attendance Fee $175.00
At | o*****d
发帖数: 1587 | 2 tooooooooooo black
cost
【在 t****h 的大作中提到】
: I just start shopping for mortgage now, and find out that the closing cost
: is around 13k from the Chase and Bank of American website:
: From BOA:
: Closing Cost Details
: 30-Year Fixed Rate
: Total Bank of America Fees $2,635
: Third Party Fees $7,286
: Estimated Prepaid Items (Interest & Insurance) $1,653
: Estimated Escrow Account Funds $1,983
: Total Estimated Closing Costs $13,557
| w*****p
发帖数: 82 | 3 You should get more quotes from other lenders, 4.875% with 1 point sounds
too high.
【在 t****h 的大作中提到】
: I just start shopping for mortgage now, and find out that the closing cost
: is around 13k from the Chase and Bank of American website:
: From BOA:
: Closing Cost Details
: 30-Year Fixed Rate
: Total Bank of America Fees $2,635
: Third Party Fees $7,286
: Estimated Prepaid Items (Interest & Insurance) $1,653
: Estimated Escrow Account Funds $1,983
: Total Estimated Closing Costs $13,557
| g******a
发帖数: 4774 | | U********n
发帖数: 471 | 5 我的不加reserve才2K多。加reserve也就6K多。rebate都cover了还有余。
你的credit不够？ | t****h
发帖数: 109 | 6 今天问Wells Fargo的BROKER, 告诉我的CLOSING如下：
Wells Fargo
$350 Appraisal Fee paid upfront visa/mastercard/amex
$900 Fee to Wells Fargo
$14 Credit
$19 Flood Certification
Title Fees which you attorney orders for you and this is a estimate that I
am providing for
$1,827 Title Policy based on purchase price
$1,049 Title Policy based on loan amount
$300 Title Searches
$200 Recording Fees
$2,626 NYS Mortgage Tax
$7,285 Total fees plus pr
【在 U********n 的大作中提到】
: 我的不加reserve才2K多。加reserve也就6K多。rebate都cover了还有余。
: 你的credit不够？
| U********n
发帖数: 471 | 7 Why there are two title policy charges?
$1,827 Title Policy based on purchase price
$1,049 Title Policy based on loan amount
Why you need to pay title search fee? | p**q
发帖数: 535 | 8 this is normal.
you don't have to buy the first policy which covers the buyer. but it's
recommeded.
the second is required to cover the bank.
Just check the magic settlement fee link to understand and save.
【在 U********n 的大作中提到】
: Why there are two title policy charges?
: $1,827 Title Policy based on purchase price
: $1,049 Title Policy based on loan amount
: Why you need to pay title search fee?
| a*o
发帖数: 25262 | 9 It's normal, my closing cost was about 20k including the 3.5k for the points
. | U********n
发帖数: 471 | 10 好吧。我今天刚sign了doc.加上1年hazard insurance, 10 structural warranty (自
己买的 $850),没有reserve.一共4200 | t****h
发帖数: 109 | 11 Unforgiven, 可以告诉一下具体包括哪些费用吗? 的是在纽约吗?
谢谢了.
【在 U********n 的大作中提到】
: 好吧。我今天刚sign了doc.加上1年hazard insurance, 10 structural warranty (自
: 己买的 $850),没有reserve.一共4200
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