b**1
发帖数: 381 | 1 如果你Refi, 他的commission就要被收回去了。
find |
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k******o
发帖数: 3328 | 2 我好像看过at escrow document.
on |
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p***A
发帖数: 607 | 3 MD/VA loan broker 快出来扁这个过河拆桥的人。。。。哈哈
话说回来，purchase 不知道这么搞一下broker有没有的赚
如果是 no cost refinance,这就是不厚道了, broker 还得倒贴你钱，就亏大了 |
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U********S
发帖数: 1896 | 4 记得refi的时候签过一个文件，说是6个月内再refi要付给现在的银行4.5k penalty。 |
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b**1
发帖数: 381 | 5 有些小银行会加一些Additional的条款在loan doc里面的。 |
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U********S
发帖数: 1896 | 6 flagstar算小银行吗？贷款和refi都是他家的。 |
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b**1
发帖数: 381 | 7 Flagstar不算小，是个全国范围的mortgage银行，利率不错，他们的refinance时间限
制是120天。 |
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B****n
发帖数: 1523 | 8 没看懂，常规是有penalty还是没有？正在做purchase贷款，需要特殊问问吗？
上周五lock的rate，不如这周好，本想回头再refi。如果都有penalty，是不是
现在提出来relock更实际些？ |
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b**1
发帖数: 381 | 9 先看看Relock到底值得不值得，谁知道今年的利率什么时候最低呢。 |
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s********d
发帖数: 2216 | 10 你上次什么时候 close 的
其实 4 个月很快的
再加上 rate lock 一个月，
describes
it
have |
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b**1
发帖数: 381 | 11 问你的Broker要这个：
Disclosure and agreement for recapture of reduction of settlement charges
upon early pay off of loan
上面会写你在多长时间之内不能Pay off。
describes
it
have |
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c*u
发帖数: 916 | 12 根据我的理解大部分purchase loan没有prepay penalty。如果你在closing document
拿到的纸堆里面没有说有prepay penalty，你就随时可以refinance。那个原来broker
是不是要赔钱，这不是你所需要考虑的事情，因为它赚了钱不会给你，你当然也不用对
他亏钱负责。broker做生意应该早就price in这个factor了。
所有你签过的loan document你应该都有Photocopy，如果你没有签过的，当然和你毫无
关系，我感觉你的loan officer根本没有你签过字的penalty说明。根本就在赤裸裸的
欺骗你。
如果你的loan是被卖到secondary market(基本上所有loan都是），如果你在4个月或者
6个月内refinance，那么原来的loan officer可能会亏钱，他当然不可能给你
refinance。如果他同意，那么他肯定会搞鬼让你的refinance失败。
很多lender也有限制，比如你的loan最后被弄到BOA去了，那么BOA可能不会在短期内给
你refinance。
一句话，如果你下定决... 阅读全帖 |
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c*u
发帖数: 916 | 13 现在重要的就是你去读你的closing document，看到底有没有prepay penalty。根那个loan
office 扯皮毫无意义。
refinance
otherwise
find
What
broker |
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c*u
发帖数: 916 | 14 这就是玩概率，比如loan officer估计每年有10%的loan会让他亏钱，他就把
commission上涨10%以上。当然loan officer也可以规定只做有prepay penalty的loan
，那么他的生意就会变少，甚至会毫无生意。
on |
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b*d
发帖数: 9308 | 15 加州这边的Loan都没有Pre-payment penalty的。
个loan |
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d******n
发帖数: 2712 | 16 除非LZ当时申请的loan是银行自己hold的portfolio loan，否则，应该是broker受的影
响比较大。
如果LZ刚刚close了这个loan不足2个月，建议LZ不要急着refi，省得银行在county注册
的行动不够及时，refi之后把county的record搞乱了，那可有的烦了。 |
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s*8
发帖数: 1933 | 17 此事很容易，上county网站一看即知，refi一般要也要一个多月，三个月银行应该注册
了。只要楼主keep record，烦不到哪里去，省钱才是最重要的，但是利率走向，实在
是没有任何人知道。 |
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b*d
发帖数: 9308 | 18 是啊，就像这个星期利率一下跌了这么多，没有人预见的到。 |
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C*S
发帖数: 1658 | 19 They are a direct lender, but they will sell my loan to other banks soon
after.
As to the record issue, as long as the transaction is legal, why should I
the borrower worry about the record? I assume it is the bank (purchase or
refinance)'s responsibility to do a good job, as they are paid to do so. |
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p***A
发帖数: 607 | 20 you are not taking about the prepayment penalty from lander (the bank, who
provided money for your loan), in your case, you do not have prepayment
penalty as you mentioned
You are talking about the prepayment penalty with your loan broker for short
term. Most times, they put one item in your closing document about the
penalty if you do refinance with them and them decide to do refinance again
in few months, such in 120 days. they will lose their commission from
lander (the bank).
If you can not... 阅读全帖 |
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a*******t
发帖数: 867 | 21
Broker说银行会给贷款者一定的Credit。有多有少。正常情况下可以Cover相关的费用
。贷款者不需要出钱. 这也是Broker可以提供No cost no fee refinancing 的原因。
有时候这个Credit不够，贷款者还要补一点。有时候这个Credit比较多，Cover了
Broker的费用后还有剩，就可以给贷款者，放在escrow帐号中。
这是我的Broker的说法。反正我不需要出钱就是了。lol |
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d******e
发帖数: 1424 | 22 I am a just-refinanced borrower and I have to say I agree with your comment.
I missed the lowest possible rate by a point. Still, I appreciate my agent's
hard work. She is very busy these days. But she picks up her phone every
time and is very patient with my questions and requests.
Nobody has a crystal ball. You just need to put yourself into others' shoes.
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k******o
发帖数: 3328 | 23 APR== mortgage rate, if this is truly No Point No Fee refinancing. |
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k******o
发帖数: 3328 | 24 1) Investment property shall have the same rate/APR as the primary residence
, except borrower(s) have to pay extra 1.75% point for perceived high risk.
2) Investment property's mortgage rate shall be higher than primary
residence if this is No Point No Fee refinancing. |
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x*****r
发帖数: 2404 | 25 So, there will be no problem if the refinance bank has no issue on this? [
given that there is no penalty for early payoff from my current loan]
I am in a similar situation that I was told by my mortgage company to wait 6
months to do refinance. However I do not recall I have ever signed any
documents to prevent me from refinancing earlier. |
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c**********e
发帖数: 1184 | 33 真正的No Cost Refinance应该是客人到头来不用花一分钱来refi。这样的话，前一个
银行收的pay off fees也应该包括在closing cost中去的。
off |
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b**2
发帖数: 519 | 34 是的，no cost refinance客人是不用出1分钱的。
off |
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m********c
发帖数: 13337 | 35 屁，这个loan agent蒙你呢。
所谓的no closing cost实际上是agent或者贷款银行把自己得到的交易费的一部分拿出
来给你付了closing cost。
所以你多付一分钱，他就多挣一分钱。
off |
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d**s
发帖数: 1255 | 36 yes
听说15fix 最低不会低于3.25， 不知道是不是真的 |
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m********c
发帖数: 13337 | 37 today rate is 3.375% for 15 Yr-fixed.
Call more loan officers to get the better rate. |
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b**2
发帖数: 519 | 38 今天no cost Refinance可拿不到3.375%，利率这两天慢慢涨会来了。 |
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y****i
发帖数: 17878 | 39 not the current balance, but the amount of purchase or refinancing loan
I left out borrower's name
it is called Realist report. I guess you need to pay for this service.
http://www.facorelogic.com/products/realist.jsp
Mortgage History:
Mortgage Date : 02/18/2010 07/17/2007
Mortgage Amt : $317,000 $602,000
Mortgage Lender : Amtrust Bk Pardee Hm Lns
Mortgage Type : Conventional Conventional |
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k******o
发帖数: 3328 | 40 是的， 如果正是 Truly No Point No Fee Refinancing. |
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k******o
发帖数: 3328 | 41 我想在 living 版上说 No Point No Fee Refinancing,应该cover lender fee and
3nd part cost 啦。 |
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k******o
发帖数: 3328 | 43 15 year fixed, No Point No Fee refinancing, 应该可以做到3.25%－3.375%，given
LTV<=80%,FICO>=740 (以加州为例）。
不知wells fargo有没有告诉楼主需等多久才能refinance？如果没有限制，可以多看几
家呀。 |
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a*********a
发帖数: 68 | 44 I just bought my house at 4.375%. Is it worth refinancing? I am at CA. |
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k******o
发帖数: 3328 | 45 No, at least in CA, onelender has improvement after 12:50 pm PST.
Unless your loan amount is very small, otherwise, it should be 4.000% no
point no fee refinancing. Your state might be different (i.e. more expensive)
欢迎加入我的俱乐部 by clicking my name. |
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k******o
发帖数: 3328 | 46 HOA questionnaire fee 并不是 part of the closing cost，因为它不能放进GFE(Good Faith Estimate). Legally your refinancing is still No Point No Fee.
不过，本版的大部分broker都愿意帮你cover HOA questionnaire fee,让版上的同学们满意。
楼主可以向credit company 投诉，同时和loan agent交涉，希望大家各让一步吧。 |
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d*******o
发帖数: 171 | 47 1% difference to 3.375%, 15 year fixed, $165000 (refinanced 18 months before
).
Should I go for it?
Thanks |
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k******o
发帖数: 3328 | 48 Normally, for refinancing, different lender has different requirement. For precaution, better to wait for 120 days/4 monthly payment between 2 funding days
.
Generally, you, as a borrower, are unlikely to have any penalty. However,
the previous mortgage broker might have to pay out all of the commission
earned to "old" lender. |
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k******o
发帖数: 3328 | 49 It is largely depending on your own situation. ^.^
Due to relatively low rate for ARM compared with fixed rate, it is easy to
reach DTI (Debt To Income) <= 45% for some borderline borrower(s).
One scenario: If you expect that you will not hold the fixed loan for long
time by either selling your house, or refinancing, then ARM might be a good
option to consider.
In case the mortgage rate unexpectedly jump significantly, you might pay a
relatively "high" (capped) rate. |
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