t*****z
发帖数: 812 | 1 20 $180k loan 3.875% （原来4.875）
1. origination charge 2282
2. mortgage insurance 81
3. appraisal fee 350
4. credit report 17
5. tax service 89
6. flood certification 11
7. insurance tracking 13
8. title services and lender's title insurance 1690
9. owner's title insurance 0
10. survey 600
11. government recording charges 156
12. transfer taxes 0
13. initial deposit for your escrow account 962 <==I had it, why do I need
to
pay?
14. daily interest charges $19*16=307
15. homeowner's insurance 585 <==I had it, why do I need to buy again?
16. county prop 5190 <== is is tax?
这样一算，就没有意思了。这些费用正常么？ 谢谢 |
s********d
发帖数: 2216 | 2 12-16 都是预付的。 Refi 的时候你会建新的 escrow 帐号，原来的 escrow 会在
closing 之后一个月内给你结算。
18 万的贷款，我建议 5ARM no cost |
b*d
发帖数: 9308 | 3 看着像是有Cost的Refinance，不过费用有点高，你的Loan只有$180K，不值得花这么多
钱去做Refinance。尽量找个Cost低的。
【在 t*****z 的大作中提到】
: 20 $180k loan 3.875% （原来4.875）
: 1. origination charge 2282
: 2. mortgage insurance 81
: 3. appraisal fee 350
: 4. credit report 17
: 5. tax service 89
: 6. flood certification 11
: 7. insurance tracking 13
: 8. title services and lender's title insurance 1690
: 9. owner's title insurance 0
|
d******n
发帖数: 2712 | 4 origination charge 2282 --> 像是含了point的。
另外，LZ的loan to value超过80%么？为什么有mortgage insurance？
在新泽西，refi是不做survey的。 |
