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l******e
发帖数: 1875 | 1 对于loan agent发过来的closing cost sheet和Good faith上有一些信息有疑问
1:for the question "does your loan have a prepayment penalty? " loan agent
didn't choose "NO"
what does that mean?
2: loan agent choose the "hazard insurance premium" when there is hazard
insurance already?
what does that mean? Are all the insurance, insurance premium and the tax
just estimated? Will they be adjusted when we get the real number from
insurance company?
3:there is a sentence - "you must lock the interest rate at least “NA”
days before settlement". Does that mean we can lock rate at any time before
the closing day?
4:如果buyer lock 先lock了rate，到了接近closing day的时候，因为其他原因不能完
成贷款事宜，buyer会因为lock了rate而需要缴纳罚金么？ | r******d
发帖数: 1879 | 2 1。 现在所有的银行基本上都是没有prepayment penalty。 意味着你可以随时多还贷
款。 但是你不能4-6个月内全部payoff 或者重新贷款。 如果代理没有选择这项， 也
可能是忽略了， 或者你的代理选择的银行的确是有prepayment penalty， 你应该确认
一下。
2。 是你自己选择保险代理， 然后保险代理会提供一个报价给你的loan agent。 这个
报价和最终的价钱应该差别不大。
3。 你可以在任何时候锁定利率， 但是不得晚于一定的时间以免耽搁closing。 但是
每个银行的polciy会不同， 比如有些银行可以直接进入underwriting ， 没有必要先
锁利率， 但是有些银行必须锁定利率才会进入underwriting。
4。 利率锁定后你选择离开， 对于你来说并没有任何penalty。 你可能唯一损失的就
是appraisal fee。 但是broker会受到影响。 因为银行会有对broker的performance的
评估。
【在 l******e 的大作中提到】
: 对于loan agent发过来的closing cost sheet和Good faith上有一些信息有疑问
: 1:for the question "does your loan have a prepayment penalty? " loan agent
: didn't choose "NO"
: what does that mean?
: 2: loan agent choose the "hazard insurance premium" when there is hazard
: insurance already?
: what does that mean? Are all the insurance, insurance premium and the tax
: just estimated? Will they be adjusted when we get the real number from
: insurance company?
: 3:there is a sentence - "you must lock the interest rate at least “NA”
| p******y
发帖数: 3523 | 3 1.要求loan agent double check，并且修正。
2. Hazard insurance大部分情况下就是指homeowner insurance，对于买房的客人来说
必须在closing之前按规定买好并付一年的premium。initial disclosure上的除了
lender的费用外，其他费用普遍都是估算，closing前会按实际发生修改。所有费用都
是有据可查的。
3.不同lender对这个日期都是有规定的，有的规定3天前，有些是7天前，写NA没见过。
4. rate lock基本没有罚金，不过，如果rate过期了，要不就是选择市场rate和lock
rate中间差的那个，要不就是支付rate lock 延期费。总之，最好在明确closing时间
之后lock rate。一旦无法在rate lock期限内close，大家都麻烦。
【在 l******e 的大作中提到】
: 对于loan agent发过来的closing cost sheet和Good faith上有一些信息有疑问
: 1:for the question "does your loan have a prepayment penalty? " loan agent
: didn't choose "NO"
: what does that mean?
: 2: loan agent choose the "hazard insurance premium" when there is hazard
: insurance already?
: what does that mean? Are all the insurance, insurance premium and the tax
: just estimated? Will they be adjusted when we get the real number from
: insurance company?
: 3:there is a sentence - "you must lock the interest rate at least “NA”
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