s*********y 发帖数: 2653 | 1 有人用过Chase Homebuyer Advantage Program吗?
新手我今天去Chase找mortgage banker问了一下estimated loan costs
Type of Loan: Conventional 222-FNMA Conf Fixed
Interest Rate: 3.625%
Loan Term: 180 months
Loan Origination Fee: $0.00
Loan Discount Points: $0.00
Appraisal Fee: $460.00
Credit Report Fee: $10.00
Tax Service Fee: $87.00
Application Fee: $460.00
Processing/Underwriting Fee: $595.00
Third Party Courier: $75.00
Flood Certification: $11.00
Settlement/Closing Fee: $800.00
Abstract/Title Search: $180.00
Doc Prep-Settlement Agent: $150.00
Notary Fees: $150.00
Lenders Title Insurance: $1263.00
Owners Title Insurance: $1560.00
Title Policy Endorsement: $25.00
E-doc Closing Fee: $50.00
Wire Fee to Settlement Agent:$50.00
Recording/Filing Fee: $125.91
City/County Tax Stamps: $1237.50
Closing Cost Rebate: $-470.00
Total: $6819.41
这个Conventional 222-FNMA Conf Fixed和普通的15yr fixed有什么区别啊?Chase的
人还给了5/1 ARM 4.375% 这些rate看着跟其他lender比差不少啊 |
I******D 发帖数: 256 | 2 closing cost 大体可以分成3大类
第一类,跟lender 相关的费用。你这里的lender的费用如下,共$1698, 减去Closing
Cost Rebate 470.00, 剩下$1228. 这是一个合理的费用。
Loan Origination Fee: $0.00
Loan Discount Points: $0.00
Appraisal Fee: $460.00
Credit Report Fee: $10.00
Tax Service Fee: $87.00
Application Fee: $460.00
Processing/Underwriting Fee: $595.00
Third Party Courier: $75.00
Flood Certification: $11.00
第二类费用,title company 的费用。在很多州正常的买卖(not short sale or
foreclosed property), buyer决定用哪家title company,所以你可以多比价最终选择
费用合适服务不错的title company.
Settlement/Closing Fee: $800.00
Abstract/Title Search: $180.00
Doc Prep-Settlement Agent: $150.00
Notary Fees: $150.00
Lenders Title Insurance: $1263.00
Owners Title Insurance: $1560.00
Title Policy Endorsement: $25.00
E-doc Closing Fee: $50.00
Wire Fee to Settlement Agent:$50.00
第三类费用,政府的费用,not negotiable.
Recording/Filing Fee: $125.91
City/County Tax Stamps: $1237.50
如果你的贷款额低于417K, 15yr利率应该能再好一点。你不用管Chase给你这个
program 去了个什么名字,他就是15yr fixed, 用的FNMA (Fannie Mae)的利率。如果
贷款额高于417k, 那么3.625%的利率还是不错的。不管哪种情况,5yr arm 4.375% 的
利率都太高了。 |
s*********y 发帖数: 2653 | 3 IVYMtgMD谢谢你这么详细的回复,看来还是要多参考一下版上中国代理的报价 |
c**********e 发帖数: 1184 | 4 您可以参考我俱乐部里的文章 - 《房屋贷款中的closing cost都有哪些?》
http://www.mitbbs.com/clubarticle_t2/CircleSquareMortgage/60681
希望对您有帮助。:)
另外如果您在CA, FL, MD, TX或者VA,房贷欢迎站内信联系我们。:)
【在 s*********y 的大作中提到】 : 有人用过Chase Homebuyer Advantage Program吗? : 新手我今天去Chase找mortgage banker问了一下estimated loan costs : Type of Loan: Conventional 222-FNMA Conf Fixed : Interest Rate: 3.625% : Loan Term: 180 months : Loan Origination Fee: $0.00 : Loan Discount Points: $0.00 : Appraisal Fee: $460.00 : Credit Report Fee: $10.00 : Tax Service Fee: $87.00
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a******4 发帖数: 99 | 5 您好。MD买房,$480K的property, 请问您能提供一个什么样的loan? interest rate?
closing cost? Thanks a lot.
【在 c**********e 的大作中提到】 : 您可以参考我俱乐部里的文章 - 《房屋贷款中的closing cost都有哪些?》 : http://www.mitbbs.com/clubarticle_t2/CircleSquareMortgage/60681 : 希望对您有帮助。:) : 另外如果您在CA, FL, MD, TX或者VA,房贷欢迎站内信联系我们。:)
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T****L 发帖数: 1203 | 6 请查收站内信:)
?
【在 a******4 的大作中提到】 : 您好。MD买房,$480K的property, 请问您能提供一个什么样的loan? interest rate? : closing cost? Thanks a lot.
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q********a 发帖数: 438 | 7 chase 给你的estimate cost, 其实title cost 中的owner title policy是根据sales
contract 规定而定的,若seller选择title自己的title company, buyer 可以要求
seller 承担owner title policy,当然各地有不同的规矩,这样你可以省下一笔费用。
另外,lender cost 中的application fee 也是可有可无的费用,每个公司有各自的规
定。
其实,loan费用的高低还是要看loan金额的大小。 |