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全部话题 - 话题: mortgage
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s**********g
发帖数: 289
1
房子已经卖了,closing day是这月25日.
今天是26日, mortgage company 又把每月monthly payment划走了.我们每月26日
划monthly payment, 我想问的是after closing day, mortgage company 是不是无权
再划钱了.
n*******t
发帖数: 44
2
【 以下文字转载自 SanFrancisco 讨论区 】
发信人: nicholast (nicholast), 信区: SanFrancisco
标 题: Chase不给做mortgage loan pre-approval了吗?
发信站: BBS 未名空间站 (Sat Jul 29 23:37:38 2017, 美东)
昨天去三藩Chase branch把要的材料(tax return, bank statement, etc.)交给
banker,今天就发过来一个pdf,文件名写的是pre-approval,可是点开看文件抬头写
的是MORTGAGE LOAN PRE-QUALIFICATION,内容也是说这是Pre-qualification
是chase不给做pre-approval,还是banker在骗我
l***s
发帖数: 259
3
【 以下文字转载自 Living 讨论区 】
发信人: lupus (The Right Side), 信区: Living
标 题: wellsfargo mortgage的due day和信用卡的不一样吗?
发信站: BBS 未名空间站 (Sun Jan 17 22:40:17 2010, 美东)
今天试图set up wellsfargo mortgage的online billpay,发现可选项是due day ~
due day + 5?感觉不是很明白啊。难到不应该due day前交?虽然写着due day15天内
无penalty,记得当时签的文件上写的是过due day的话利息涨1/8点
过期五天再交,感觉不是很靠谱啊。有什么trick在里面吗?还是都这样。
另外如果due day之前交,算哪月的?不会due day前15天再要交一次吧?主要是想发了
paycheck就还款可以省点利息。
Y********e
发帖数: 2445
4
我一直在付mortgage,可最近查看三大局的信用报告时没看到里面有提到mortgage啊。
s*********e
发帖数: 145
5
来自主题: Money版 - Pay off mortgage?
we have $270k mortgage at 4.625% for 15 years. This is the second year.
We can pay off the entire mortgage in two years. Shall we pay it off or use
it to deduct tax?
M***0
发帖数: 1180
6
My property mortgage in China is 8%+APR
I am offered 0%APR for 1 or 1.5 year(3% transfer fee) on my several Credit Cards
here, total amount available is tens of thousand USD.
Is it money wise to borrow money from CC here to pay mortgage in China? Any
downside of doing it?
Thanks!
g*****k
发帖数: 1669
7
【 以下文字转载自 Living 讨论区 】
发信人: gastank (一点就爆), 信区: Living
标 题: Balance transfer 和 mortgage
发信站: BBS 未名空间站 (Tue Mar 20 18:59:42 2012, 美东)
正在走mortgage程序,已经credit approved了,现在可以做balance transfer吗?会
有什末影响吗?谢谢。
s*********4
发帖数: 1980
8
楼主标题误导大家了.你是想问mortgage interest,不是mortgage,有的回贴也不看贴子
内容就答,謬之千里.
a**r
发帖数: 661
9
mortage insurance 不是保护你的,是保护lender的。如果你的贷款超过房屋价值的
80%,lender就会要求你买mortgage insurance. 不是值得不值得的问题,而是必须要买
否则没有贷款的。当你欠的贷款额小于房价80%后,可以取消mortgage insurance.
对于你来说,能避免当然避免了。所以尽量付20%首付
a**********8
发帖数: 1393
10
谢谢楼上的两位。这个应该是所谓的private mortgage insurance吧。
那mortgage life insurance呢?这个东西有用吗?谢谢大家。
f********l
发帖数: 3
11
朋友要写一张支票给我,不想存入银行后,再写支票付Mortgage,能否在付完本月的
Mortgage后,直接用朋友的支票付额外的principle(想提前还一部分,No penalty),
如果可以的话,Pay to the order of是写我的名字,在支票背面转述,还是直接写
Lender的名字,署名都是我朋友的。
谢谢!
e*i
发帖数: 10288
12
You can call / email Wells Fargo to adjust this payment.
My Chase now has similar problems as well. Even I pay from chase's site
and tell chase it's a "normal" mortgage payment, chase mortgage will put
all payment to principle only when it gets te $$$. :P

payment
B******y
发帖数: 9065
13
来自主题: Money版 - 用Bluebird付Mortgage有点小问题
呵呵,不是这样的。。。Principal Only是一次完整的Principal Reducement,下次
scheduled payment就是基于剩下的Principal收interest;而现在mortgage公司把我的
Principal Only算成一次Scheduled payment,相当于Charge了一份payment前的
interest。我的损失就是payment前的interest和payment后的interest的差价。这个
Principal Only Payment的数额越大,mortgage公司占的便宜就越多,完全是个奸商。
。。
B******y
发帖数: 9065
14
来自主题: Money版 - 用Bluebird付Mortgage有点小问题
呵呵,不是这样的。。。Principal Only是一次完整的Principal Reducement,下次
scheduled payment就是基于剩下的Principal收interest;而现在mortgage公司把我的
Principal Only算成一次Scheduled payment,相当于Charge了一份payment前的
interest。我的损失就是payment前的interest和payment后的interest的差价。这个
Principal Only Payment的数额越大,mortgage公司占的便宜就越多,完全是个奸商。
。。
c**2
发帖数: 8496
15
来自主题: Money版 - mortgage 可以用信用卡付么?
but no body's monthly payment is < $500, and partial mortgage payment will
go only to principal (the normal mortgage bank practice)
do people need to call to combine so they will consider you have paid your
due?
w********u
发帖数: 1865
16
来自主题: Money版 - Evolve pay chase mortgage
我也很困惑,两千多的mortgage,gc 最大面额500,每个月最多4次transaction,如何能
超过mortgage额度呢?还是用三张500,剩下一次用checking补齐?先谢过。
M*******n
发帖数: 1143
17
来自主题: Money版 - Evolve pay chase mortgage
这个月我的chase 和 well fargo 两个mortgage 都是8月1号due. 所以选了上周末8月1
号开始付款.
星期五晚上
一个evolve account付了chase mortgage two payments
另一个evolve account 付了well fargo two payments
星期六晚上
一个evolve account 付了well fargo two payments
星期天晚上
一个evolve account 付了well fargo one payment
今天登陆到chase和well fargo. 都已到帐。而且都自动combine成一个full payment.
不需要打电话combine了。

evolve
M*******n
发帖数: 1143
18
来自主题: Money版 - Evolve pay chase mortgage
mortgage company normally gives 15 grace days for late payment. I confirmed
this with chase and well fargo. You can check your mortgage company before
you pay.
h****s
发帖数: 16779
19
mortgage公司要付信用卡费的。
加3%手续费,你会用信用卡付mortgage吗?
B******y
发帖数: 9065
20
你最好打电话问Chase Mortgage。。。我有US Bank的mortgage,也是琢磨了好久都没
有明白哪个是正确的。后来打电话才确定下来。注意要向CSR解释Bluebird是和Paypal
不同的,当时US Bank的CSR不懂,一开始硬是说不能收bluebird。各个银行虽然不一样
,但大体上差不多。。。
y****i
发帖数: 17878
21
KISS - Keep it simple, stupid.
use Bluebird to pay your credit card bills or transfer money to your bank
account electronically.
pay your mortgage either in the account with your mortgage servicing company
or from your own reliable bank account, again electronically.
B******y
发帖数: 9065
22
来自主题: Money版 - 关于Wells Fargo的Mortgage
OK,我其实想问的是直接和Banker申请的效率如何。记得以前看过一个珍惜生命,远离
WF的帖子,像这种大loaner经常很官僚,会把mortgage给拖到closing不了的地步。从
售后服务来看,各个银行之间区别也挺大的。一些小银行mortgage处理倒是挺快,可以
后的服务一团糟,我在这方面有深刻体会。。。
b***m
发帖数: 891
23
【 以下文字转载自 Living 讨论区 】
发信人: bjeam (bjeam), 信区: Living
标 题: 有什么办法付mortgage能赚点cash back?
发信站: BBS 未名空间站 (Sat May 16 23:53:41 2015, 美东)
一个月将近4000大洋的mortgage,白白流出去,一点cash back都挣不到,不知道有什
么办法不?
p******a
发帖数: 803
24
来自主题: Money版 - Pay Mortgage Via Amex Serve
请问有谁用Serve付过mortgage? 想用它Pay Bank Of America 的mortgage, 不知有什
么要注意的。
谢谢。
z****2
发帖数: 1618
25
如果只有他家mortgage账户就还好吧,你听过谁mortgage account被关的么?如果还有
其他银行账户,就建议不要弄
t*********e
发帖数: 143
26
myfico.com spend 70 dollars and get three bureau scores. The mortgage
version of these are exactly the ones mortgage lenders use
M*******n
发帖数: 1143
27
我用的citi att more mastercard. 付chase mortgage看不到1.75% .
付citimortgage能看到1.75%. 唯一的区别是plastiq里加chase mortgage的手动加.
citimortgage可以直接搜索到.
J*******l
发帖数: 212
28
更新+US Bank,+Regions Mortgage
看到老余的回复突然想到,有没有可能其实所有的mortgage都是有3X TYP的,之前1x的
DP其实是自己把category搞错了?
d******2
发帖数: 348
29
大家在设置plastiq mortgage之后取消了原先的mortgage auto payment吗?我的没取
消,因为怕万一check没寄到,会漏了交,结果这个月还是从auto payment走了,check
也没cash,明明check在due date几天前就收到了
J*******l
发帖数: 212
30
4/21/2017更新:
先来我自己的DP:
4/15付Wells Fargo Mortgage, code的确变为Services - MISC GOVERNMENT SERVICES.
4/20出账单,还是算作了3X TYP.
所以如果发现code变了,先不要担心,等账单出来再看还有没有3X, 如果变成了1X, 请
留言,我会在下面的list中更新。
另外我这个月因为Citi bestbuy卡给的一个小promotion也额外付了一小笔mortgage,
账单的code显示是Lodging-HOTELS,MOTELS,RESORTS LODGING。因为这张卡也是VISA,
所以我猜想如果CSR也能在Wells fargo拿到3X UR的话,原理是一样的。如果有人有CSR
3X UR dp的
话,我也会在下面的list中更新。
l*******1
发帖数: 314
31
来自主题: Money版 - 大家试过用MO付mortgage吗?
大家试过用MO付mortgage吗? 如果每个月都要寄几千的MO给mortgage公司, 怕给寄丢
了。
n*******A
发帖数: 273
32
有谁付BOA的mortgage也拿到3x?


: 两天前第一次用CSR付了nationstar的mortgage,是3x。

m***j
发帖数: 9290
33
来自主题: PennySaver版 - 请教用红鸟付mortgage的问题 (转载)
【 以下文字转载自 Money 讨论区 】
发信人: mmmjj (叫我一只耳), 信区: Money
标 题: 请教用红鸟付mortgage的问题
发信站: BBS 未名空间站 (Sat Feb 7 14:01:37 2015, 美东)
刚刚拿到红鸟,打算用来付mortgage
找到了我的银行,输入了我的帐号,但是出现的错误是
让我输入5位或者9位的帐号,但是我的帐号是10位,所以怎么弄都不对。
请问有人遇到过类似情况么?该怎么处理?
b******i
发帖数: 4776
34
本公司研发的software, 可帮广大房屋贷款,汽车贷款,信用卡,助学贷款者提前还贷
,省去巨额利息。
现举例,每个人的每月支出和收入都会有所不同,这个软件会根据你的实际情况指导你
每个月怎样还贷,可时还贷,怎样利用你多出来的钱以最快速度还清所有贷款。
现请有兴趣的mortgage broker, loan officer来做销售代理。有兴趣请站内联系。
非诚勿扰!
This is not a scam or loan consolidated program! It's a software that can
help you save thousands of interests on mortgage, car loan, student loan,
etc..
j*******0
发帖数: 347
35
来自主题: StartUp版 - Mortgage company
Mortgage broker company. provide mortgage to consumers with more
competitive rates.
i*****y
发帖数: 8
36
来自主题: Stock版 - Senate passes mortgage rescue plan
WASHINGTON (AP) -- A mortgage rescue to help hundreds of thousands of strugg
ling homeowners avoid foreclosure and get more affordable, safer loans passe
d the Senate overwhelmingly Friday, but it faces a bumpy road amid continuin
g turmoil in the housing market.
ADVERTISEMENT
The 63-5 vote reflected a keen interest by Democrats and Republicans to send
election-year help to distressed homeowners with economic issues topping vo
ters' concerns.
The plan lets homeowners buckling under mortgage paym
z***i
发帖数: 1122
37
多谢,多谢,没要买房前没关心过,
是不是TLT降,mortgage rate就降吗?
你是说下周mortgage rates会小降再升?
s********i
发帖数: 17328
38
can anybody explain the mortgage rate? what does it mean 4% for 30 years.
any inflation will make banks have negative yield. or banks are sure that it
won't have any inflation? it is kind of stupid idea to keep mortgage or
keep interest rate so low. Banks don't make money even they want to make
loans because the low interest rate cannot justify the risk.
c***1
发帖数: 3281
39
mortgage settlement对banks应该有好处。这次的settlement实际上banks正式掏腰包
的数目很少(<$10 billion那么多间摊分,不伤筋动骨,而且可能比想象的好)。大部
分的数目去了loan modification,反正banks本来就有incentives要做。
对mortgage insurers利好,loan modification尤其是principal reduction减低了
foreclosure的风险。万一foreclose了,赔的数目也降低了。
p****l
发帖数: 175
40
bonds升了,mortgage就降了? 5,10年,30年哪个影响mortgage更大?
u**********n
发帖数: 8905
41
Federal National Mortgage Association(OTCBB:FNMA) is one of the most active
stocks as the stock has bounced back about 12% from session low of $1.15.
The stock is now up 5% at $1.29 with more than 21.5 million shares have
traded hands, compared to its daily average volume of 19.41 million shares.
However, the stock is still down about 18% over the past one week. Today,
the stock is up first time for the past one week.
The stock has been heading lower despite the firm had reported a sharp rise
in... 阅读全帖

发帖数: 1
42
Block chain. International trade can be handled by block chain. Compared to
that, mortgage is nothing.


: 确实,Mortgage涉及大量的现地Survey,lawyer,appraiser等等,大银行都做
不过

: Credit Union这种地头蛇,就别说Amazon了。他家总不能通通外包吧,那还哪来
的优势

: ?能把车贷和credit card做好就不错了。

i*******3
发帖数: 129
43
【 以下文字转载自 Living 讨论区 】
发信人: iamnew123 (iamnew), 信区: Living
标 题: 大家收到mortgage loan 1098-int 表了么?
发信站: BBS 未名空间站 (Sat Feb 14 02:05:30 2009)
1)大家收到mortgage loan 1098-int 表了么?我至今还没有收到),一般什么时候有
??
2)另外还有一个问题,去年的property tax 我先交了,然后下调,又退我钱了。是不
是给我保税的表会自动反映这个变化? 这个表我也还没有收到。
s***e
发帖数: 1203
44
来自主题: TAX版 - mortgage interest credit的问题
房贷利息除了可以在schedule A里面申报,似乎还有一个form 8396 mortgage
interest credit.大家填过这个表吗?里面说的mortgage credit certificate是不是
每个地方都不一样啊?谢谢了。
i******m
发帖数: 495
45
【 以下文字转载自 Living 讨论区 】
发信人: ipadworm (破茧而出, 甩掉一身IPAD), 信区: Living
标 题: 请问在MD,MORTGAGE INTEREST和PROPERTY TAX能抵州税吗? (转载)
发信站: BBS 未名空间站 (Mon Aug 2 16:55:56 2010, 美东)
发信人: ipadworm (破茧而出, 甩掉一身IPAD), 信区: WashingtonDC
标 题: 请问在MD,MORTGAGE INTEREST和PROPERTY TAX能抵州税吗?
发信站: BBS 未名空间站 (Thu Jul 29 10:48:54 2010, 美东)
e**s
发帖数: 513
46
除了Mortgage interest之外,和买房子、付房贷相关的其他费用,例如买房子时的
mortgage tax能用来做点啥么?
Q***u
发帖数: 433
47
I know you can't do that with property taxes, i.e. you can only claim what you have actually paid before December 31st.
With mortgage interest, it's up to your mortgage lender. If they report the interest on your last year's 1099, then there is no way you can move it to your next year's tax return. But since it's paid in December, because of the timing, there is a chance that they may report it in your 2010 1099. --The bottom line is, you'll have to go with the 1099 you received and can't move i... 阅读全帖
S**I
发帖数: 15689
48
1. If you received mortgage interest credit (this is NOT mortgage interest)
2. you got it
s********0
发帖数: 2687
49
【 以下文字转载自 Accounting 讨论区 】
发信人: sunshine70 (sunshine2008), 信区: Accounting
标 题: 请问一下大家,关于home mortgage interest 的问题
发信站: BBS 未名空间站 (Mon Jul 9 20:04:14 2012, 美东)
如果以第一套房子(没欠20万)作抵押,拿到现金比如30万,买第二套房子,这
样的话,两套房子的mortgage interest 都能deduct掉吧,第二套房子子用于出租
第一套自住房子的20万interest体现在itemized deduction里,
第二套 30万的Interest体现在 shcedule E里面
30万的interest expense都能deduct吧,没有10万块的home equity indebtedness的限
制?
谢谢
L******3
发帖数: 2
50
想把国内的mortgage作为deduction抵税,但查阅了IRS Publication 515,中国银行作
为Non-Resident Alien获得来源于美国的(房贷)收入要withhold income tax,当然
中国银行不可能按IRS的规定做,所以IRS又规定了,居住在美国国内的付款人有责任确
保withhold。换句话说,中国银行的税和withold要由我来承担。
请教高手,谁有处理国外mortgage抵税的经验?该怎么做?多谢!
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