d****e 发帖数: 2395 | 1 我们和AGENT要的是0 COST的REFINANCE,但是看了GFE,虽然不用自己现在付钱,有些
COST都打到LOAN去了,比如我们还剩的钱是X,但是贷给我们的LOAN其实是Y,Y比X要多
4千多块钱,这个钱包括Adjusted origination charges, appraisal fee, title
services and lender's title insurance, government recording charges,
transfer taxes, daily interest charges,想问问你们做过0COST REFIN,是这样的
么? | b*d 发帖数: 9308 | 2 这个怎么能叫No Cost Refinance,多的4千块钱应该是你的Credit.
【在 d****e 的大作中提到】 : 我们和AGENT要的是0 COST的REFINANCE,但是看了GFE,虽然不用自己现在付钱,有些 : COST都打到LOAN去了,比如我们还剩的钱是X,但是贷给我们的LOAN其实是Y,Y比X要多 : 4千多块钱,这个钱包括Adjusted origination charges, appraisal fee, title : services and lender's title insurance, government recording charges, : transfer taxes, daily interest charges,想问问你们做过0COST REFIN,是这样的 : 么?
| r******e 发帖数: 289 | 3 Now I see another interpretation of zero cost.
Zero cost means that your brokers will cover all the cost except pre-paid
interest. In return, you will get higher interest rate compared with
purchase loan.
In your case, you are not paying upfront. Rather, you are loaning this money
and pay interest later. So you still pay your closing cost.
【在 d****e 的大作中提到】 : 我们和AGENT要的是0 COST的REFINANCE,但是看了GFE,虽然不用自己现在付钱,有些 : COST都打到LOAN去了,比如我们还剩的钱是X,但是贷给我们的LOAN其实是Y,Y比X要多 : 4千多块钱,这个钱包括Adjusted origination charges, appraisal fee, title : services and lender's title insurance, government recording charges, : transfer taxes, daily interest charges,想问问你们做过0COST REFIN,是这样的 : 么?
| d******n 发帖数: 2712 | 4 LZ的情况不是我们通常做的no cost refi。no cost refi所拿到的rate确实要比同时期
cost自付情况下能拿到的rate高,但是客人确实不需要为这次refi付cost。
如果把cost打到loan amount里,LZ岂不是在付cost之余还要赔上利息? |
|