x**m
发帖数: 1825 | 1 我们是10月上旬closed，当时签的loan document上的新的loan 里的 principle
balance比实际的多一些（差别是最后一个月付掉的principle)，然后新的loan里加了
那个月需要付的利息，一些title charge和一些财产税。我们又付了十月的原来amount
的monthly payment。所以，实际principle balance 更少一些。
今天刚刚收到新的monthly payment。我的问题是，新的loan里加的title charges 和
利息，以及balance的差价，会不会refund 给我们？
我想听听大家的经历，再给我自己的broker打电话问。
十分感谢！ |
N****E
发帖数: 1474 | 2 Title charge should not be added to the mortgage principal. Title should be
refunded by the agent at closing and you can fund the tax if you have the
money。 The tax held in your previous escort account will be refunded to
you later. The loan is already closed so now you have to pay interest on
those money. You should understand the HUD and ask broker all the question
before or at closing.
★ Sent from iPhone App: iReader Mitbbs Lite 7.28 |
h***b
发帖数: 1233 | 3 真正 0 cost 的 refi，你自己只需要负责 prepaid interest, 地税/保险（如果刚好
due, 或要 renew 的话）。 principle 可能会比以前稍多或少，这是 estimate 上的
出入，多的应该退给你，或 apply 在prepaid interest上。
amount
【在 x**m 的大作中提到】
: 我们是10月上旬closed，当时签的loan document上的新的loan 里的 principle
: balance比实际的多一些（差别是最后一个月付掉的principle)，然后新的loan里加了
: 那个月需要付的利息，一些title charge和一些财产税。我们又付了十月的原来amount
: 的monthly payment。所以，实际principle balance 更少一些。
: 今天刚刚收到新的monthly payment。我的问题是，新的loan里加的title charges 和
: 利息，以及balance的差价，会不会refund 给我们？
: 我想听听大家的经历，再给我自己的broker打电话问。
: 十分感谢！
|
f*****u
发帖数: 729 | 4 还是看HUD比较清楚， HUD里有lender rebate-origination fee-其它所有的cost (不
包括PITI),如果结果为正，就是0 cost. |
x**m
发帖数: 1825 | 5 that is my concern, too. since it is closed already, is it possible to
change the loan amount to deduct thsi title charge?
thanks for your reply!
be
question
【在 N****E 的大作中提到】
: Title charge should not be added to the mortgage principal. Title should be
: refunded by the agent at closing and you can fund the tax if you have the
: money。 The tax held in your previous escort account will be refunded to
: you later. The loan is already closed so now you have to pay interest on
: those money. You should understand the HUD and ask broker all the question
: before or at closing.
: ★ Sent from iPhone App: iReader Mitbbs Lite 7.28
|
x**m
发帖数: 1825 | 6 thanks!
【在 h***b 的大作中提到】
: 真正 0 cost 的 refi，你自己只需要负责 prepaid interest, 地税/保险（如果刚好
: due, 或要 renew 的话）。 principle 可能会比以前稍多或少，这是 estimate 上的
: 出入，多的应该退给你，或 apply 在prepaid interest上。
:
: amount
|
c**m
发帖数: 1457 | 7 If you lower the loan amount, it will reduct your credit from the bank as
well. Normally the credit reduction will be more than the title insurance
deduction.
【在 x**m 的大作中提到】
: that is my concern, too. since it is closed already, is it possible to
: change the loan amount to deduct thsi title charge?
: thanks for your reply!
:
: be
: question
|
x**m
发帖数: 1825 | 8 unfortunately I can not find this item on the HUD I have. will ask my
broker about these issues.
【在 f*****u 的大作中提到】
: 还是看HUD比较清楚， HUD里有lender rebate-origination fee-其它所有的cost (不
: 包括PITI),如果结果为正，就是0 cost.
|
N****E
发帖数: 1474 | 9 I understand at the closing you signed a mortgage note with the mortgage
amount. Once the mortgage is closed and funded, the mortgage note won't be
changed unless you refinance again and basically pay down that note. Now
you may ask refund from the broker for the refinace cost as he promised, but
I don't think you can change the loan amount.
At closing, the closing agent did not explain the details before you sign?
You can ask as many questions as you can before you sign anything, not now.
What you can do now, just prepay the mortage to lower the loan amount if there is no penalty.
【在 x**m 的大作中提到】
: that is my concern, too. since it is closed already, is it possible to
: change the loan amount to deduct thsi title charge?
: thanks for your reply!
:
: be
: question
|
x**m
发帖数: 1825 | 10 thanks for your reply.
We signed the docs in a rash as we were told the rates would be expired by
the 9:00 pm that night. Thus, we did not have chance to ask questions.
but
there is no penalty.
【在 N****E 的大作中提到】
: I understand at the closing you signed a mortgage note with the mortgage
: amount. Once the mortgage is closed and funded, the mortgage note won't be
: changed unless you refinance again and basically pay down that note. Now
: you may ask refund from the broker for the refinace cost as he promised, but
: I don't think you can change the loan amount.
: At closing, the closing agent did not explain the details before you sign?
: You can ask as many questions as you can before you sign anything, not now.
: What you can do now, just prepay the mortage to lower the loan amount if there is no penalty.
|
x**m
发帖数: 1825 | 11 thanks for your reply!
【在 c**m 的大作中提到】
: If you lower the loan amount, it will reduct your credit from the bank as
: well. Normally the credit reduction will be more than the title insurance
: deduction.
|
