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全部话题 - 话题: broker
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g*********9
发帖数: 1285
1
来自主题: Stock版 - Broker对比
一直登不上来这个破网站。你们没明白我的意思。commission低的broker必然用便宜的
上一级broker,便宜的broker, spread必然大,后果就是你买的成交价要高,卖的价钱
要低。你觉得你省钱了,其实多花钱了。当年纳斯达克下面那些broker都臭大街了。羊
毛出在羊身上,人家指望着你挣钱呢。
y****b
发帖数: 74
2
【 以下文字转载自 Living 讨论区 】
发信人: yaojob (yaya), 信区: Living
标 题: 请大家指教,做Part-Time Realtor和 Mortgage Broker 哪个更好?
发信站: BBS 未名空间站 (Sun Jan 26 15:18:35 2014, 美东)
长期潜水,有个问题向大家请教,我现在有一全职工作。较稳定,但收入不高。想业余
时间做点兼职增加收入。现在能想到一个是part-time realtor,另一个是part-time
mortgage broker。
我们买房用的realtor是part-time老中realtor。从他那大概了解了做realtor的程序.
先学习课程,考试通过,拿到License,在找一家地产公司挂靠。对mortgage broker
的程序不太清楚。不知道realtor和broker 比较起来,那个更好?
谢谢!
g******a
发帖数: 432
3
来自主题: SanFrancisco版 - 银行的loan officer和broker
Purchase loan的话,大银行的pre—approval 拿出来,会比broker的拿出来含金量高
很多。 因为现在很多broker做pre-approval的时候,根本不run credit report,导
致这个行业对broker都没信心了。除非你要买的房子在比较冷的区域,listing agent
没有别的offer可挑,或者你的价格比别家高不少,否则拿到offer的几率会低一些。我
不知道其他agent,至少我做listing的时候,broker出的pre-approval我是不收的。
但是大银行的agent有时候会不接电话或者非常教条,我曾经有客人因为loan agent不
及时回复电话而导致offer落选的。
所以总结来说,找一个靠谱的,能及时回复的大银行loan agent是上选。
希望对你有所帮助。
y******g
发帖数: 254
4
算是short term capital gain/loss还是继续持有?
打个比方,公司给了100 RSU, 1月1日vest时每股100块
2月1日,我从公司RSU的服务公司账户里(比如说Morgan Stanley)卖了这100RSU,此
时股价是 200块,我共得利$10000
2月11日,我从我自己的Broker账户(比如说TD吧)又花钱买了50股公司的股票,每股
花费300块,然后一直持有到次年的1月1日卖掉,每股卖了$350
那么请问:
1. 2月11日我买的这50股,该收short-term capital gain还是long-term capital
gain?
2. 如果算long-term capital gain, 各broker有没有机制自动track我名下在不同
broker的股票并生成正确的1099?比如根据SSN? 还是说报税时必须自己得操心把这些
整理好以防止broker给你寄来的1099都按照short-term gain收税?
3. 在以上的例子里,我的short-term capital gain和long-term capital gain各... 阅读全帖

发帖数: 1
5
来自主题: SanFrancisco版 - 买房贷款直接找银行还是找broker?
第一次买房, 打算贷30年固定利率。
1) 是找banker 好 还是找broker 比较好 ?
2) 如果找broker 的话, agent 推荐的broker 怎么样?
听说找broker会拿到低一点的利率。 自己不懂,请懂行的给建议。
多谢!
R*******z
发帖数: 44
6
来自主题: Seattle版 - REAL ESTATE BROKER执照挂靠?
如果考一个华州的REAL ESTATE BROKER执照以便给自己买房,是否需要挂靠到REAL
ESTATE MANAGING BROKER公司?如果想保持自己的REAL ESTATE BROKER执照一直有效,
是否一定要一直挂靠到REAL ESTATE MANAGING BROKER公司?
Thanks a lot!
p***g
发帖数: 1727
7
想拿个NC的license,请教有没有业内知名的大broke培训学校可以推荐的。
另外请问,NC是“broker only”制度,这种有啥优缺点吗?不用挂靠broker公司了?
如果是的话好处是刚开始没生意省钱了,但是坏处就是没有专业人培训和交流了吧?
还有他们还有个broker-in-charge又是啥意思,跟上面的borker有区别吗,还是是同一
个东西。
最后一个,如果帮别人管理房子,正规收入报税,是否必须有broker license? 这个其
他各州都一样吗?
新手问题比较多,不好意思哈,先谢谢了。
k********4
发帖数: 1
8
It definitely will help you find jobs.
as far as I know, certified customs brokers are someone who are in demanded.
there are only 11000 people who actually have the license. the international
trade between USA and china requires a lot of customs brokers to handle
issues related to the import and export.
the demand for customs brokers is high!
call us 718-535-8689 for further questions.
if you're still interested in becoming a customs broker, you can consider to
take our course. our website is w... 阅读全帖
c*******o
发帖数: 8869
9
版上不少人认为一人一票不合理,应该按照纳税数量和是否吃福利来决定投票权,这是
一种用精英来限制无脑票蛆的办法。
类似的情况就是共和党broker convention。现在trump delegate占优但是可能达不到
代表大会的简单多数1237票,共和党当权派大老们设想的broker convention就是
利用规则让代表们重新投票,让这些头脑“冷静”,素质较高的代表们来限制大众一人
一票选出来的结果:trump。但是这种方案版上没人赞成。
同样一种“反民主”的策略,为什么会有两种不同的态度? 因为拿不到你想要的结果
trump,broker convention是反民主政变,会毁掉GOP。因为能够确保你想要的结果
,GOP的胜利,剥夺“龙虾党”投票权就是common sense。
f********n
发帖数: 13
10
Must be Motivated, Goal Oriented, and Confident with Strong Communication
Skills.
• Comprehensive Paid Training
• Series 7, 63, and other Securities License Sponsorship
• Generous Pay Out
• Incentive Programs
About National:
Established in 1947, National Securities is a full service, independent,
brokerage firm. We offer a comprehensive range of products, coupled with
one-on-one access to trading and operations, so that our clients are assured
the highest ... 阅读全帖
s********n
发帖数: 1962
11
来自主题: Investment版 - 帐户相关问题请先咨询你的 brokers
以下问题能够给你最精确答复的是你的 brokers。
1. 开户的手续及费用。
2. 转账的手续及费用。
3. 你的 broker 都提供哪些类型的帐户及相关服务。
以下问题请先考古并参考精华区。
1. 哪个 broker 比较好。
帐户相关话题会被酌情保留或删除。
d*****r
发帖数: 273
12
来自主题: Investment版 - Roth IRA broker 收费6% 正常么?
Run away from this broker as far as you can get :-)
Most of Roth IRA brokers, Fidelity, ETrade, etc, charges nothing. They
provide a lot of choices for your to invest. They are more than happy to
open an IRA account for you for free. They get their money when you buy/sell
investments.
Secondly, it seems the broker showed you one or a group of mutual funds
which is better than vanguard. Please double check he/she is comparing the
similar funds. I can show you a lot of funds which have beaten vang... 阅读全帖
x******7
发帖数: 93
13
来自主题: Investment版 - 如何选择合适的BROKER投资?
打算找个合适的BROKER账户,做基金的定投,不是退休账户,马上有税的问题,还有每
个月定投肯定要产生费用,有没有比较省钱的BROKER推荐? 还有,看了下VANGUARD,
好像也可以申请BROKER 账户,是不是用VANGUARD的账户买卖VANGUARD的基金可以省点
每月的买入费用?
多谢了。
f********n
发帖数: 13
14
Must be Motivated, Goal Oriented, and Confident with Strong Communication
Skills.
• Comprehensive Paid Training
• Series 7, 63, and other Securities License Sponsorship
• Generous Pay Out
• Incentive Programs
About National:
Established in 1947, National Securities is a full service, independent,
brokerage firm. We offer a comprehensive range of products, coupled with
one-on-one access to trading and operations, so that our clients are assured
the highest ... 阅读全帖
f********n
发帖数: 13
15
Must be Motivated, Goal Oriented, and Confident with Strong Communication
Skills.
• Comprehensive Paid Training
• Series 7, 63, and other Securities License Sponsorship
• Generous Pay Out
• Incentive Programs
About National:
Established in 1947, National Securities is a full service, independent,
brokerage firm. We offer a comprehensive range of products, coupled with
one-on-one access to trading and operations, so that our clients are assured
the highest ... 阅读全帖
f********n
发帖数: 13
16
Must be Motivated, Goal Oriented, and Confident with Strong Communication
Skills.
• Comprehensive Paid Training
• Series 7, 63, and other Securities License Sponsorship
• Generous Pay Out
• Incentive Programs
About National:
Established in 1947, National Securities is a full service, independent,
brokerage firm. We offer a comprehensive range of products, coupled with
one-on-one access to trading and operations, so that our clients are assured
the highest ... 阅读全帖
f********n
发帖数: 13
17
Must be Motivated, Goal Oriented, and Confident with Strong Communication
Skills.
• Comprehensive Paid Training
• Series 7, 63, and other Securities License Sponsorship
• Generous Pay Out
• Incentive Programs
About National:
Established in 1947, National Securities is a full service, independent,
brokerage firm. We offer a comprehensive range of products, coupled with one
-on-one access to trading and operations, so that our clients are assured
the highest... 阅读全帖
r********9
发帖数: 92
18
来自主题: JobMarket版 - Customs Clearance Broker Agent Wanted
A shipping / wholesale company is looking for a Customs Clearance Broker
Agent. The agent must be able to work full time in Delaware, (preferred),
Philadelphia, New Jersey, Los Angeles, Cincinnati or New York City area.
Job Description:
• Verify arrival information with carriers and prepare customs broker
file.
• Prepare entry documents for Customs approval and duty payment.
• Ensure the shipment is showing full clearance with U.S. Customs.
Job requirement:
• The agent... 阅读全帖
r**********0
发帖数: 15
19
1.为什么broker给的rate比自己去银行办给的低?
2.通过broker申请同等额度贷款会比自己直接去银行申请容易吗?如果收入偏低的话。
3.broker fee一般大概多少? 如果买30-40万的房子。
请过来人解惑,谢谢。
s*****l
发帖数: 1844
20
来自主题: Living版 - real estate broker 申请的问题
Broke means you have the knowledge and experience to start a real estate
business by yourself. In many states, you need to be a salesperson first
for some years to be eligible for applying broker exam. You need to take
some classes and exams to be a salesperson. In order to work as a
salesperson, you need to work under a broker.
If you are determined, it is not difficult to be a broker eventually for the
many MS/PhD here in the USA, but it takes much time and energy.
H**i
发帖数: 331
21
来自主题: Living版 - 中途换loan broker有什么影响?
因为某些原因,COE推迟,loan broker也不给我一个具体的计划出来,觉得很不爽。感
觉还不如换个loan broker重新申请。
请问,需要赔偿loan broker损失吗?有什么影响?谢咯
d*s
发帖数: 686
22
刚发现我们的agent也是loan broker,用同一个人做buyer agent和loan broker好不好?
loan broker我们可以顺便找吧?打算谁给的低找谁。
多谢
g*****9
发帖数: 4125
23
来自主题: Living版 - broker和agent賺的钱的数量
In my area, realtor makes 3% (1/2 of the 6% fee spliting with listing agent)
of the house selling price.
Mortgage broker makes 1% of the loan amount (assume you put down 20%, so
they make about 0.8% of the house price)
Realtor does more work and some have to pay their broker a percentage or
fixed monthly fee.
I have many rich clients that are realtor or mortgage broker, so they do
make a good living.
M******k
发帖数: 27573
24
这只能和你的broker商量,几年前这可不是必须.我们的broker也这么提过,被我们坚决
打回去了,后来贷款也批下来了.
感觉有时候broker就是想极力把你的申请做strong,至于是不是真的必要,没人说的清.
y***n
发帖数: 114
25
来自主题: Living版 - Ripped off by the loan broker?
Had everything done including the appraisal because the broker said I could
lock a lower rate for 15 days comparing to 30/45 days lock. The rate came
down to 4.5% for 45 days (based on other brokers quote) this Tuesday so I
wrote my broker to check if possible to lock 15 days at a lower rate (i.e. 4
.375%). Yesterday I was told he already locked me at 4.5% for 15 days. I was
angry because he did not get my permission first and also I did not believe
15 days lock could be the same as the 45 days
c*******e
发帖数: 814
26
来自主题: Living版 - mortgage broker rebate/credit
Is it okay to get rebate or credit from broker now?
One broker told me it's now illegal to have any cash transaction with
client. If caught by auditing, the broker could lose his/her license.
Is this true?
b*d
发帖数: 9308
27
作为一个Broker,我会说用Broker是有好处的。因为Loan Broker拿到的利率是Whole
Sale的价格,一定是比直接去银行拿Retail的利率要好。
b*d
发帖数: 9308
28
来自主题: Living版 - loan broker收费多少比较合理?
我们Broker company的收费是这样的:
Lender's charge: $1000
Broker's processing fee: $500
appraisal fee: $400
总共$1900。当然你还要比较broker给的利率是什么。
d******n
发帖数: 2712
29
来自主题: Living版 - loan broker收费多少比较合理?
要看LZ是在那个州了。
我们公司是corespondent lender,不是broker。bank charge $681,在新泽西是没有process fee的,对于大部分property,appraisal fee $300,但是property不同appraisal fee会有不同。在NY稍微贵些,在CA大体相当。
我们也会做一些broker loan,主要是针对不查收入的case和loan amount高于high balance的loan,一般都不向客人charge broker fee。
a******e
发帖数: 36306
30
前一阵联系了一个foreclosure,当时开价还比较高,我自己估了一个价,没想到过了一
个多星期,也就是那个房子list了一个多月,自己降到了距离我第一次估价只高一点的
地方,不过我合计合计又降了几万。现在跟agent谈rebate,他问我到底打算啥时候买,
年底还是明年几月份,说要根据这些来给我折扣。我猜是不是他要计算他的年度或者季
度sale来算给我多少合适。
另外,他自己也是broker,这个行业20多年了,为啥还要挂在另一个broker名下阿?他
自己说他目前一半都是跟REO打交道。他本人就是跟list broker一起的,但是做对方的
client service,所以这次分派给我show那个REO房子。
p**********r
发帖数: 46
31
full time 的那种大broker是不是容易拿到比较低的利率?
小broker是不是利率就高一点?
两者的其他方面的cost有什么区别吗?
Thanks!
s**********c
发帖数: 101
32
来自主题: Living版 - mortgage broker
Generally speaking, yes. Mortgage broker could get a better APR since
eventually they will sell to a big bank as a whole with packaging many
mortgages. Shop around mortgage with at least 3 brokers and you will get
better one. You can go to my website: http://www.agentgather.com to find some brokers:-).
q******a
发帖数: 417
33
来自主题: Living版 - 怎么选broker?
大家是怎么选broker的啊?根据他们给出的rate和closing cost?问题是找broker的时
候说的rate不定用吧?那时候又没有真正开始贷款,rate没有lock啊?会不会选定一个
broker了,真正开始贷款了,他又会给比较高的rate?
s****7
发帖数: 509
34
来自主题: Living版 - broker的差别咋就那么大呢
听君一席话,真是豁然开朗阿!我觉得你可以猜到的lender就是broker说的那家,因为
你全中阿!牛!!!
那其实是不是选哪个broker都没关系了?反正利率摆在那里,也不会因为broker的不同
而不同。
d******n
发帖数: 2712
35
broker用什么理由拖您呢?应该不会是他想多挣些吧,而且每天的rate不一样,明天15
天lock的price未必就比今天30天lock的price好。话说回来,15天的lock,确实有可能
比30天lock的rate低的。不过,如果broker offer出的rate是一样的,那就不一定要再
等了,如果多等三天可以拿到更低的rate,还是值得的。
可以跟broker商量,让其书面保证honor不高于现在30天lock的rate,有机会降低rate
就降之类的。
一般来说,如果客人坚持并且对rate满意,我是尊重客人锁rate的意愿的。一般都不会
把funding date房子rate lock的最后一天的,docs delivery 还需要时间呢。
k*h
发帖数: 148
36
来自主题: Living版 - Broker GFE 和 lender GFE
有很大差别,lenderGFE比Broker的origination fee多了4.4k, 1% loan 。Broker 说
ignore broker's,最后settelment 会跟她的差不多。大家都是这样的吗?
d******n
发帖数: 2712
37
来自主题: Living版 - Broker GFE 和 lender GFE
理论上说,broker是没有资格出GFE的。有些lender发现broker出过GFE,会decline那
个loan的。
要以lender的为准,有问题要及时问以及settle down。
LZ看到的那1%是lender paid broker fee吧,在GFE第二栏有没有负数出现?如果有的
话,抵消掉那1%就没问题。
M********I
发帖数: 848
38
mitbbsindc 整天在这里煽风点火。 :)
没有法律规定这个approved letter一定要disclosure给贷款人。给不给就看你的
broker了。
你的broker在贷款要通过这一点上是和贷款人站在一边的。他会尽一切努力帮助你的贷
款及时通过。最基本的一点,贷款没close,broker是没有钱拿的
y********a
发帖数: 159
39
buyer agent要给我们的loan broker打电话催appraisal的事情,结果今天发信来抱怨
,说他给loan broker留了言,可是broker不给他回电话,幽怨的说probably he doesn
't like me。我该怎么安慰他呢,夹在中间不好受啊。
P******n
发帖数: 355
40
来自主题: Living版 - 求推荐mortgage broker (转载)
【 以下文字转载自 Connecticut 讨论区 】
发信人: Parisian (parisian), 信区: Connecticut
标 题: 求推荐mortgage broker
发信站: BBS 未名空间站 (Tue Feb 14 20:11:54 2012, 美东)
求康州的mortgage broker. 另问,我在fairfield county, mortgage broker需要在同
一地区吗?谢谢!
p******y
发帖数: 3523
41
而且一般来说,lender才是应该出GFE的。如果是broker loan的话,大部分GFE是
lender出的。电子化高的,在broker注册loan进lender系统之后不久就能收到lender
email的disclosure。电子化程度低的,有的lender是邮寄disclosure的。
如果broker disclose了GFE,被有些lender发现了,整个loan就decline了呢。
d******u
发帖数: 72
42
完全新手,刚开始看房两个星期
redfin上的agent给我推荐了他们办公室里的mortgage broker,要我们先做个pre-
qualify
要做就得给他ssn,挺不放心的。我还没见过其他的broker呢,这么贸然决定成不成?
如果现在让他做了pre-qualify,以后反悔用别人成不?会不会有什么麻烦?
其实我们自己已经查了credit score了,但是broker说他们必须有这个信息。要是以后
我找别人就变成多次查了,又会伤分数。。。。
到底怎么办啊?买房还真是头疼啊,我都不敢想以后麻烦得有多多
n******e
发帖数: 708
43
a bad mortage broker, the worst case is failing yoru loan.
a bad inspector could make you bought a problematic house.
Given you know a lot of mortgage rate and do you homework, a broker can't
cheat.
So it's comparably less risky.
In law, agent can't take any monetary return for such referrals. But we know
in fact...
If you use mortgage broker referred by agent, I sugges you ask for more
rebate since he will defnitely get rebate as well~~
g***i
发帖数: 175
44
我是在找brocker。我想问是不是大公司的broker会快些。如你所说,如果broker属于
大公司,她有in-house 的underwriter,是不是快些。因为其中一个告诉我可以10天内
完成。希望是真的。有一个是个小银行的broker,费用低些。我是不是还是该选时间短
的那个?
r****w
发帖数: 202
45
最近打算refi,和以前的broker一打听说现在wells fargo收回房贷自己做,不再给外
面的broker做了,不知道对以后refi的cost会有啥影响不,别的银行不会也跟进吧?如
果都收回自己做估计refi的费用就没法再no cost了吧,版上的broker都来说说呢,谢
谢啊!
g******8
发帖数: 542
46
这个seller agent也是我的buyer agent。此人非常aggressive,曾经极力让我用她推
荐的home inspector,我没听她的。现在又逼我用她推荐的local bank申请贷款。但是
这个银行给的贷款太贵了,我就自己shop for loans。结果这个agent就发彪了,威胁
我说不用这个local bank就很可能拿不到贷款、房子就买不到,等等。用了一大堆明显
忽悠我的理由。我也不管她,接着用我自己找的信誉不错的中国人broker。大家能不能
说说,我的broker跟她和她的realtor公司都有什么interaction?她可能怎样刁难我的
broker和我的loan application process?谢谢!
w******t
发帖数: 16937
47
纯技术上讲:
一、贷款时是要查三家的credit scores,然后取中间那个作为你的信用分数,比如780
,729,721,你的分数就是729。
二、信用分数的高低确实会在几个地方影响到你可以得到的利率。
三、对同一个case,不同的lender(强调一下不是broker啊)给broker的利率是不一样
的。有时候,同一个lender给不同的broker的利率也是不一样的。所以才有我们的shop
around。
四,每查一次credit,你的分数就会被相应的扣几分,有时候损失的这几分可能就是致
命的。这就是大家都不愿意被预先查的原因。
你可以就用728这个分数去shop around,如果到时候申请贷款的时候分数更好,你的到
的利率肯定也会更好。
r******d
发帖数: 1879
48
来自主题: Living版 - 差点被mortgage broker忽悠了$120
I don't think your broker is cheating. Credit bureau always charge broker
similar amount of money if you need to speed up the update. But if borrower
dispute by your own, you dont need to pay any cost but it would take much
longer time.
Even we paid for our client to speed it up, we had one case which took us
more than 5 days to get result.
However, it will depend on broker if they are willing to cover this cost for
you or not.

file

no
p********r
发帖数: 1980
49
来自主题: Living版 - Lock Rate以后可以换broker么?
用了以前用过的mortgage broker,结果这次问题一大堆.
首先,我不想lock rate,一定要我先lock rate.说lock以后才能appraisal. 现在lock了
,还是不order appraisal,每天有个理由. 然后,我说担心short sale不能按时close,银
行会有麻烦,拼命说有什么麻烦,到时候extend呗.
现在,agent想让我换broker,他推荐的. 说能按时close,利率也稍低,我没有给原来的
broker签过合同或付过信用卡. 可以换么? 觉得有些伤人品,可是他拖着不帮我close我
怎么办? 银行下次按原惯例,过了两个月需要re-appraisal.
z***e
发帖数: 1757
50
人家broker为什么要允许你挂靠其他的broker?那你买卖的房子算在哪个broker下面?
你交给哪一个钱?
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