n**********8
发帖数: 389 | 1 我正在申请refinance，broker 说是no cost，no fee，我也一再澄清了是nothing out
of pocket except reserve and overlapping interest。broker给了good faith
estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
时normal practice 吗？谢谢！ |
s********d
发帖数: 2216 | 2 很多银行都这样
上次BOA 给我的 GFE 有 2% loan origination charge |
c********7
发帖数: 739 | 3 我们做过两次0 cot refi,银行会给一个fee，然后broker那里给相应的credit。
out
【在 n**********8 的大作中提到】
: 我正在申请refinance，broker 说是no cost，no fee，我也一再澄清了是nothing out
: of pocket except reserve and overlapping interest。broker给了good faith
: estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
: 没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
: 在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
: 时normal practice 吗？谢谢！
|
j********d
发帖数: 157 | 4 Be careful on appraisal: Your house may be appraised much lower than before,
and then the bank will force you to pay down loan amount <80% of value in
order to do the the refi. If you don't have (or don't want to use) the cash
to do so, you loss ~$350 appraisal fee, and nothing else happen.
If you want to do a refinance, DO ASK the bank to pay appraisal fee, so you
can walk away without a loss if appraisal comes low. They probably won't
agree, but let them hear your voice.
See a post:
"Elimina |
b*d
发帖数: 9308 | 5 非常Normal，一切以最后签的Loan Documents为准，现在所有的都是Estimate。如果最
后不是No Cost，不去签字就好了。
out
【在 n**********8 的大作中提到】
: 我正在申请refinance，broker 说是no cost，no fee，我也一再澄清了是nothing out
: of pocket except reserve and overlapping interest。broker给了good faith
: estimate，看上去也是fee paid by broker。只是有一栏 loan origination fee 空着
: 没填。现在拿到银行给的estimate 上有一笔loan origination 很高。问agent，说现
: 在银行给的number是空中楼阁，不是final的，最后我不用pay上边写的number。请问这
: 时normal practice 吗？谢谢！
|
j********d
发帖数: 157 | 6 You are right on "don't sign the final doc unless it is no cost". But it
could be a potential opportunity loss, if interest rates rise significantly
at that time.
Good to get clear as much as possible at the beginning - from homeowner's
stand. Of course, banks would like it to be in frog - they have nothing to
loss and homeowner loss some fees .
【在 b*d 的大作中提到】
: 非常Normal，一切以最后签的Loan Documents为准，现在所有的都是Estimate。如果最
: 后不是No Cost，不去签字就好了。
:
: out
|
b*d
发帖数: 9308 | 7 I totally agree with you on get everything right at the very beginning.
significantly
to
【在 j********d 的大作中提到】
: You are right on "don't sign the final doc unless it is no cost". But it
: could be a potential opportunity loss, if interest rates rise significantly
: at that time.
: Good to get clear as much as possible at the beginning - from homeowner's
: stand. Of course, banks would like it to be in frog - they have nothing to
: loss and homeowner loss some fees .
|
j********d
发帖数: 157 | 8 This way, there is less chance waste time/fees on both side. Shake hand!
I really want to hear your opinion on the some questions concerning
appraisal:
1. Generally, is it a waste to spend $300-400 on appraisal every time?
2. Who should pay this $300-400 if and when it has to be spent?
3 Could this get changed if there are enough homeowner insist on it?
It shouldn't impact agents interest, should it?
请不吝赐教！
【在 b*d 的大作中提到】
: I totally agree with you on get everything right at the very beginning.
:
: significantly
: to
|
b*d
发帖数: 9308 | 9 我现在帮我的客人在付Appraisal fee。
【在 j********d 的大作中提到】
: This way, there is less chance waste time/fees on both side. Shake hand!
: I really want to hear your opinion on the some questions concerning
: appraisal:
: 1. Generally, is it a waste to spend $300-400 on appraisal every time?
: 2. Who should pay this $300-400 if and when it has to be spent?
: 3 Could this get changed if there are enough homeowner insist on it?
: It shouldn't impact agents interest, should it?
: 请不吝赐教！
|
n**********8
发帖数: 389 | 10 我的appraisal fee 也是broker pay。但是是我先pay，然后他最后退给我。所以如果不close，我想我还是会lose这笔钱。是不是，bed？
【在 j********d 的大作中提到】
: This way, there is less chance waste time/fees on both side. Shake hand!
: I really want to hear your opinion on the some questions concerning
: appraisal:
: 1. Generally, is it a waste to spend $300-400 on appraisal every time?
: 2. Who should pay this $300-400 if and when it has to be spent?
: 3 Could this get changed if there are enough homeowner insist on it?
: It shouldn't impact agents interest, should it?
: 请不吝赐教！
|
j********d
发帖数: 157 | 11 Even if you are paying upon closing of the refinance, the question is:
Is it a waste to spend ~$350 every time refinance (regardless who pay it)?
If we can start with computer based appraisal, why not save the money and
spend only when either bank or homeowner want to spend it?
By the way, do you charge your clients appraisal fee if the refinance is not
closed?
【在 b*d 的大作中提到】
: 我现在帮我的客人在付Appraisal fee。
|
j********d
发帖数: 157 | 12 BTW: do you do refi outside CA?
【在 b*d 的大作中提到】
: 我现在帮我的客人在付Appraisal fee。
|
