s********0 发帖数: 2687 | 1 home parth, 9500 closing cost. Why so much? |
n*******9 发帖数: 3244 | 2 details? hard to tell without details. there should be a lot of pre-pays.
【在 s********0 的大作中提到】 : home parth, 9500 closing cost. Why so much?
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s********0 发帖数: 2687 | 3 我们的closing cost是这么分配的: adjusted origination charges 1300+ flood
certification and tax sservice ffee 90+title services and lender title
insurrance 1134+owner title insurrance 340+ pet inspection and survey 315+
government recording charges 80+transfer tax 2300+initional escrow account
2900 +daily interest charges 265+ hazard insurance 600=9400 |
c*****r 发帖数: 81 | 4 most of it is pre-payment and government charges. $1300 AOC is not bad. It
also depends on the APR you got. |
s********0 发帖数: 2687 | |
c*****r 发帖数: 81 | 6 It depends on what the market rate was when you locked. Lenders use
origination fee to adjust for the APR difference. For example, if the rate
was 4.72% that day, the lender would give you a discount of AOC. If the rate
was 4.77% that day then the lender would have raised origination fees.
【在 s********0 的大作中提到】 : interest rate 4.75%
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s********0 发帖数: 2687 | 7 真是不懂,maryland地区这个closing cost算如何呢?这个房子home parth,不用
appraisal, |
s********0 发帖数: 2687 | |