l******r
发帖数: 4021 | 1 尽量不要用FHA。FHA是要把1.75%的upfront的费用打到loan里算的，等于你们的loan a
mount就要增加1.75%。
你们完全可以走正常的mortgage，不知道为啥要你们走FHA。
的。
Broker |
|
c******6
发帖数: 163 | 2 今天一个agent说， 他们15yrs fix是2.875， 0 point。如果我想利率再低点，就pay
1% of loan upfront，这样利率就是2.625。我算了下，这样大概15年可以省5千多，请
问板上高人，是不是应该选这种呢？ |
|
l**h
发帖数: 7994 | 3 请异地买房的同学帮我看看
内容：
The property is very messy but it shouldn’t be more then carpet and paint
etc once the owner moves out. I will goto the house to take a video for you
once we get an acceptance so that you can sign off that you have viewed the
property.
另外他还说我必须用local bank贷款。
我觉得不看房子就 sign off that you have viewed the property 是不行的。
我可以周末的时候去看。Redfin的agent可信吗？
update我还没回信呢就又收到一封:
Your due diligence period will start upon acceptance of the contract, which
means that we will conduct inspections upf... 阅读全帖 |
|
l**h
发帖数: 7994 | 4 update我还没回信呢就又收到一封:
Your due diligence period will start upon acceptance of the contract, which
means that we will conduct inspections upfront before the banks approval,
it
is better to do it this way so that you don't waste your time with if there
is something unsatisfactory on the inspection report. The seller is very
leery about using Bank of America as the lender only because, typically in
the Las Vegas market B of A does cannot close within the 30 day window that
the sellers bank will requ... 阅读全帖 |
|
l**h
发帖数: 7994 | 5 在看一个ShortSale的房子（投资）。下面是agent counter offer的
信件和条款，不是很明白，劳驾有明白的指点一下，多谢了！
1. agent 说要拍一下房子video让我们看，然后就要签表格说看过房子了，这个是
common practice吗？在Vegas。
2. 还有Agent说他们会安排inspection并且给出了原因,但是那个原因没有看很懂.他为
什么觉得需要这样呢? 而且我们如果签了那个form是不是就意味着我们remove
contingency了,commit要买了啊(deposit就不好拿回来了)? 这样我就觉得不是很放心.
想自己看一下房子.
3. counter offer上说要给seller bank up to 150天的时间for short sale approval
,buyer才能cancel without penalty. 请问一般是要给这么长时间吗? 那是不是再这
150天里面我们岂不是就
被锁定在这个property上了?(contingency removed, buyer can not quit, but
pendi... 阅读全帖 |
|
s****n
发帖数: 245 | 6 Seller is asking me to pay the 2nd Deposit, which is 10% of the 250k+
purchase,
until that he won't allow me to perform an inspection on the house.
It's a normal sale with 20% down.
The house is at North NJ. Market here is not that hot..
I do like the house. But the seller is being too tough.
My lawyer is negotiating with seller's attorney to lower the upfront deposit
to 5%.
Any suggestions? |
|
tj
发帖数: 957 | 7 If you stay, and pay 70K upfront, and you can pay $2000/month, with your
current mortgage, you will pay off in 79 months, total interest $17205.
If you refi w/ 2.875 15y for 140K and you can also pay $2000 a month, you
pay off after 77 months, total interest $13351.
If you throw in 2800 closing cost, it doesn't worth the effort. However, if
you can't pay more than 2000 a month (I doubt it since you have 70K cash), a
refi might suit you better.
The more money you can pay per month, the faster you... 阅读全帖 |
|
k********8
发帖数: 180 | 8 If you want, please give us a try. We don't charge you any fee upfront now,
so there is no risk. Our lender fee is only flat $695, we will waive you. so
there is no risk for you too.
The only way you know is to try and look everyone's history record. |
|
l*l
发帖数: 20 | 9 想卖2006 TL。刚刚在Craig's List 打了广告就有www.nationwidecityautos.com和
onestopmotors.com给我打电话。
说他们可以帮我打广告卖车，他们通过给买家贷款来赚钱。买家主要是一些信用差的，
别处没法贷款，就得找他们贷。估计利息挺高的。
听起来不错，可是都要几百刀的upfront fee。如果他们能卖出去，这几百刀也值。可
是不知他们是不是骗子。Google了一下，信息挺少的。特别是www.
nationwidecityautos.com。
不知大伙有没有这方面的经历可以分享分享。 |
|
x***y
发帖数: 830 | 10 short sale，single family house, 1500sqft，3brd, single floor, built 10 year
old
, 走路可以到9分小学， 初高中学一般般 本来用cash买 再cashout re-fi
三个月前seller接受19万，现在lender终于approved 了 可是counter要21.5万, 老地
主们帮忙看看还有必要买吗？虽然房价去年到今年张了至少20% 但是总的cash flow
是不是太差了？
downpay (25%) 55000
closing cost 700
upfront repair cost 5000 (房子空了有两三年没人住，前后草坪完全枯掉了，中央空
调不work 好像是电路板有问题，这是已经知道的 其他没）
monthly motage 810
HOA/month 30
tax/month 220
insurance/month 78
repair/month 100
vac rate: 1 out of 12 months
rent 1450
monthly cash flow= 93 |
|
o*****p
发帖数: 5952 | 11 Has both upfront and yearly mortgage insurance.
only 3.5% down payment.
H1B OK! |
|
p******y
发帖数: 3523 | 12 通常refi可以closed的话，cost会被cover，如果无法close，borrower需要承担
upfront的cost，比如appraisal fee。
具体的可以跟自己的broker商量，视具体decline的原因，或许broker可以帮分担一些
损失。 |
|
h*******1
发帖数: 227 | 13 You are right, appraisal value could impact the rate. I tell customer
upfront what the implication is if the appraisal value is lower, especially
if their down pay is on the edge that could impact rate.
I have dealt with so many case, I have never heard a case that was agreed
upon what if the appraisal value is lower than purchase price, what the new
price will be. |
|
k***a
发帖数: 2400 | 14 FHA贷款LTV可以到96.5%， upfront MI可以加到loan amount上。
要求两年或以上工作经历。 信用分数620以上。
加州的可以联系我。 |
|
P*****r
发帖数: 1308 | 15 专业人士有用么，在站内search了一下，就发现有两个公司有人有一手经验，一个是
terminix，一个是只在西海岸有业务的。
update：打给了terninix，人号称要subscribe一年的service才能保证根除，一年500
左右 upfront，或者一个季度150左右。需要这样么？ |
|
m*******8
发帖数: 540 | 16 律师要的费用：
律师 fee is $800.
The title search will be $175.
Title insurance：estimate it at $2,150 。
Recording fees ： An estimate is $65 for the deed and $225
银行要的费用：
Bank fee $1,000
Credit report fee $50
Flood Certificate $16
Appraisal fee about $425
银行给的利率：
The Conventional loan interest rate for 30 years and 25 years with 20% down.
4.875% with 0.5% point.
The FHA interest rate for 30 years and 25 years with 20% down. 4.25% (1.75%
point and Upfront private mortgage insurance)
这个是不是很高啊？ |
|
c**m
发帖数: 1457 | 17 Might be too late for the day before closing. Your mortgage broker should be
sensitive about this upfront, when I see this kind of case, I always ask my
clients to work with real estate agents to modify the P&S up front.
Good luck |
|
z***e
发帖数: 1757 | 18 上门推销的都是推销20年lease，他们拿去了绝大部分的收益。lease对我们来说显然是
不划算的，同样都是no upfront cost，不如贷款来自己装系统，自己享受收益。 |
|
I******s
发帖数: 223 | 19 如楼上所说， Appraisal和Lock 利率是独立的操作， 两者在贷款过程中没有必然联系
。 选择什么时候做appraisal主要是受Appraisal 和Finance Contingency的日期影响
， 因为要确定Appraisal Report 在remove Contingency之前出来， 建议从order
appraisal 到出来report至少要留一个星期的时间。 appraisal 的钱通常是buyer自己
预付的， 所以是buyer 的upfront cost， 而且很难在lender之间transfer，即使能
transfer也要费时还有费用。 所以一旦定了appraisal， 就增加了换lender 的cost。
通常建议只有确定跟哪家lender做了再定appraisal。
再说一下lock 利率， 通常如楼上所说lock 的时间越短，在市场利率相同的情况下，
Loan Officer能拿到的利率／rebate 会更好一点。但是， Loan Officer会把这个好处
转给客户吗？如果不是透明的， 通常不会，这也是为什么Loan Officer总是希望... 阅读全帖 |
|
s*********o
发帖数: 53 | 20 谢谢！
我的具体情况是要不要在cover所有的cost后， 用高rate， 比如说1%higher, 来换取
更多的credit.
Using a concrete example, say a 400K loan, 3% vs 4%, I can get extra 5K
credit. Is there a catch for going with 4%, and pocket the 5K upfront, then
refinance in 6 month. |
|
R**********1
发帖数: 236 | 21 把握两点：
1. Lender/broker的服务在你把材料给他们之后是不是一如既往的好，是否对贷款的进
度及时给你update。认为你已经被拴住的lender/broker肯定做不到这一点，负责任的
broker/lender不会做一锤子买卖，否则就算是帮你顺利close了，你也不会高兴，以后
的review和生意也不会太好。办贷款利率固然重要，但是客户的user experience也同
样重要。
2. Appraisal该order的时候再order。Appraisal Fee应该是你在close之前付给lender
/broker的唯一一笔upfront fee。你虽然把信用卡信息或者支票给他了，但是并不代表
他已经扣钱了，应该是等到有把握了再order appraisal。例如我们一般是要确认买主
inspection没有问题，贷款qualification没问题等等之后再order。这是你的钱，
lender/broker应该为你把贷款质量关把好再花，而不是拿到这个钱其它什么材料都没
看就赶紧order。当然，你要求rush order的除外。
另外有个tip，Good F... 阅读全帖 |
|
m**********e
发帖数: 308 | 22 从来没有refinance过，找了一个中国broker。
no cost refinance 要自己先交５００美刀做房屋评估正常吗？
看美国网站说no cost 是没有upfront fee的。怎么broker要我先出appraisal的钱呢？
谢谢。 |
|
b********1
发帖数: 1299 | 23 抢房子比较难， 同时还要付upfront fee和每个月付mortgage insurance |
|
b********1
发帖数: 1299 | 24 没有upfront的费用吗？ 您的agent应该告诉你cash deposit is absolutely a BIG NO.
pay |
|
c*****4
发帖数: 900 | 25 不能从信用卡里借首付来付down payment（unsecured loans)，在贷款银行看来，这部
分钱仍然是一部分的负债，需要还清的，所以不能用。信用卡只能用来付一些upfront
fee，例如appraisal。 |
|
c*****4
发帖数: 900 | 26 这个需要跟之前的房贷lender问清楚，有的是不限制多少天不能重新贷款，有的是4个
月，有的是6个月，很少有超过6个月的。 |
|
o*****p
发帖数: 5952 | 27 找mortgage broker 一般都是六个月左右。这是funding to funding period, 所以你
四个半月就可以准备。 |
|
c*****4
发帖数: 900 | 28 作为借款人，你随时可以refinance，没有时间限制。但如果你过早refinance走了，原
来的lender会找之前帮你做贷款的经纪人索回佣金及重新贷款的费用（虽然对你是$0费
用，但重贷的费用实际是由lender出的）。这段重贷会罚经纪人款的期间，称为"claw-
back period"，即lender会把佣金及付出的重贷费用给“扒”回来（所以称为"claw-
back"）。
不同的lender有不同的"claw-back period"，4～6个月不等，计算方法是从前一次贷款
的close date到下一次重贷的close date。因为重贷本身通常会花近一个月的时间，所
以你可以在上次贷款后4个多月时就开始重贷申请，一般锁定利率30天，等close时正好
6个月。
我们曾经有一个客人，在离6个月的时间还差几天的时候把房子卖掉了，结果lender仍
然铁面无情地来找我们要罚款:( |
|
c*****4
发帖数: 900 | 29 这个是正常的，一般来说appraisal fee是closing之前向银行交的唯一一笔upfront
fee，如果不放心，可以要求他们在order appraisal之前通知你一下。 |
|
n*******g
发帖数: 122 | 30 说是太阳能公司，如果注册到这个太阳能公司，每个月的电费至少能省5%，用户不用装
太阳能装置，也没有任何的upfront fee，他们公司是和当地的供电公司合作，给供电
提供太阳能，然后每个月根据用户用电的多少，charge用户电费，说是至少能比直接
Pay供电公司便宜5%。这是他们的网页：https://mysunshare.com/index.php。目前只
在Denver 和 Minnesota 接受用户注册。
想问问有人注册过吗？觉得这Too Good To be true, 所以有点不敢相信，不知道有没
有什么 catch. |
|
I******D
发帖数: 256 | 31 我的建议是能做conventional 就不做FHA. 如果只是首付的原因，那么做conventional
, 因为买1-unit 自住房conventional loan最低只用付3%down.
先不说FHA 要付Upfront mortgage insurance，更主要原因是FHA 对取消 mortgage
insurance(MI) 的时间有明确的要求：看首付的比例和贷款年限，至少需要付11年MI;
如果付5%down,30年的还款期，mortgage insurance是终生的，不能cancel,你只能看以
后没有机会refi.
如果能付3%down,就做conventional loan 了，只要付到20%，就可以跟银行申请取消
MI. 付到22%， 银行自动取消MI. |
|
发帖数: 1 | 32 如果首付条件满足，选conventional， FHA有upfront mortgage insurance premium |
|
发帖数: 1 | 33 FHA首付是3.5%。但你要付两种贷款保险。一是在closing时付1.75%的upfront保险，这
就是5.25%。你拿这钱做首付，可以做传统贷款了。 二是你要付11年年保险。传统贷款
的保险（首付小于20%才有）只要LTV小于80%就可要求取消。建议不要折腾FHA. |
|
p****f
发帖数: 116 | 34 贷款买房的Total cost一般包含三部分：down payment + closing cost + prepaid
items
Closing cost一般有：application fee, origination fee, commitment fee或者
underwriting fee, upfront mortgage insurance, lender title insurance, owner
title insurance, attorney fee, appraisal fee, credit report fee, government
recording fee…具体要看在哪个州，哪个lender, 每个州每个lender对这些费用的叫
法也不同。
Prepaid items: 一般贷款要预付12个月的房屋保险 (Home Owner Insurance), 根据
closing date 的不同，需要有2-3个月的property tax and Home Owner Insurance
reserve, 还有预付几天的利息。
这些费用加起来就是贷款买房... 阅读全帖 |
|
p****f
发帖数: 116 | 35 贷款买房的Total cost一般包含三部分：down payment + closing cost + prepaid
items
Closing cost一般有：application fee, origination fee, commitment fee或者
underwriting fee, upfront mortgage insurance, lender title insurance, owner
title insurance, attorney fee, appraisal fee, credit report fee, government
recording fee…具体要看在哪个州，哪个lender, 每个州每个lender对这些费用的叫
法也不同。
Prepaid items: 一般贷款要预付12个月的房屋保险 (Home Owner Insurance), 根据
closing date 的不同，需要有2-3个月的property tax and Home Owner Insurance
reserve, 还有预付几天的利息。
这些费用加起来就是贷款买房... 阅读全帖 |
|
t*******n
发帖数: 4445 | 36 1. Get a list of what the prospective employer wants to check.
2. Find a general physician who is willing to do this (if there is lab work
a doctor has to prescribe it), pay him/her full upfront, and get a receipt
to be reimbursed back in China. |
|
t*******n
发帖数: 4445 | 37 $300-$5000, depending on the type of scan, facility and geographic location.
If you have no insurance, it's possible to ask for a discount upfront. |
|
g*****j
发帖数: 1211 | 38 倒不是怕做胃镜，就是觉得有没有必要。
This is why this question need to be answered by yourself.
The reason that your doctor did not recommend an endoscopy upfront is
probably because he thinks your risk of grave issue is low. However, one
can never guarantee without see it inside and probably a tissue biopsy.
There are percentage numbers doctor can tell you regarding with the break
down of possible diagnosis, ranging completely benign to cancer, depending
on your history, age etc. However you still have to de |
|
t*******n
发帖数: 4445 | 39 Unless you can ask someone to bring it from China, the risk is not worth the
effort.
Family doctors are not that expensive - less than $200 per visit (not
including labs). Look for low-cost clinics in your area, or ask for
discount as a self-paying patient upfront. |
|
t*******n
发帖数: 4445 | 40 If she went to the ER, a few hundred is normal (not a bad choice).
Looks like a few thousand. Ask for a discount & pay upfront, or check with
billing dept about patience assistance and/or pay in installment. Don't
wait too long as it needs to be taken care of asap. |
|
t*******n
发帖数: 4445 | 41 Double check your booklet: do all composites get 100% coverage, or only the
front teeth? Then, ask insurance for an explanation of benefit, and if it's
in your favor, ask the doctor to file again.
In the end, you pay the doctor, not insurance company.
Copay is a fixed payment which you pay upfront. Fro the rest, the dr's
office needs to file with insurance co, so they cannot tell you how much to
pay up at time of visit. |
|
|
a**r
发帖数: 661 | 43
http://www.smartmoney.com/home/buying/index.cfm?story=primer
1. "Do I really need to use a real estate broker?"
2. "How do I figure out which type of loan makes sense?"
3. "How does a bank decide if I get a loan or not?"
4. "How much cash am I going to have to produce upfront?"
5. "Just what are points, anyway?"
6. "How long after I apply will I get the money?"
7. "How do I know the house won't fall apart?"
8. "I've got a deal with the seller. Now what?"
9. "Where do the tax benefits come in?" |
|
c********g
发帖数: 15629 | 44 Keep this card. I will apply one.
Borrowed from FW.
Providian Financial has a similar program called "Buy Smart", it was
referenced earlier in this thread. Web site is mybuysmart.com but can only be
accessed once you are registered. The program has a wide variety of discounted
merchandise, but nothing that I saw seemed like that great of a deal. They
have discounted theme park tickets, movie tickets, restaurant and retail gift
cards. The best part is the discount is upfront. A $25.00 gift card o |
|
r****l
发帖数: 741 | 45 3% is paid upfront, then just pay minimum, typically less than 2% of total.
interest is calculated at the statement balance. you better pay off balance
a whole month before the end of promotion period. there is never hidden fee,
everything is in fine print. |
|
l********i
发帖数: 8858 | 46 要你填SSN 但是确定没有HARD PULL
具体做法是，先存25，在RELOAD 25 之后BONUS 25
每人最多可以搞3个卡= $75 FREE
October 1, 2011 之前关卡避免被收费
搞成之后给点包子！
Share this thread by Email:
Click here $25 Free When you open a PASS card from American Express
Amex [americanexpress.com] is offering free $25 bonus with your first reload
when you open a PASS card. Looks like a free $25 to me! You can open 3
accounts, and it's been confirmed by Karenr5 that you will get a $25 credit
for each account you open for a total of $75 in free money!!
P... 阅读全帖 |
|
e*****r
发帖数: 621 | 47 Yes, just report the money to the Customs and you won't lose a dime. This
way the money they brought in becomes legitimate.
No, don't try to desposit the money "secretively" to avoid inspection; in
fact, this could only invite the bank to suspect money laundry. Just bring
the cash to the bank at once and tell them upfront that this is the money
they brought in through the Customs. And I don't think you will lose money
on this. |
|
a*****n
发帖数: 5158 | 48 是不错了，那个federal的还有4% fee
The Graduate PLUS loan (Grad PLUS) is available to students at the
graduate level through the Direct Loan program.
This loan is dependent on a credit check. If it is determined that
you have an adverse credit history, you will have the ability to
obtain an endorser.
The interest rate on the Grad PLUS loan is a fixed 7.9 percent. This
loan is a type of unsubsidized loan so interest does accrue while you
are in school or in deferment.
There is a loan origination fee of 4 ... 阅读全帖 |
|
d***h
发帖数: 846 | 49 用了一年，觉得不错，已经付了$175 annual fee
今天打电话询问了extended payment option的bonus，到最后问我还有什么问题，我就
说卡是好卡，可就是annual fee 小贵，结果人家就把我的电话转到了另一个CS 那里，
开始offer了$150 statement credit, 我问能不能给点数，那个CS很高兴就同意了：
最后的结果
10K points upfront
7500 points after spend $1500 in 2 months
也算是意外的收获吧。 |
|
c*****a
发帖数: 3965 | 50 pai
用了一年，觉得不错，已经付了$175 annual fee
今天打电话询问了extended payment option的bonus，到最后问我还有什么问题，我就
说卡是好卡，可就是annual fee 小贵，结果人家就把我的电话转到了另一个CS 那里，
开始offer了$150 statement credit, 我问能不能给点数，那个CS很高兴就同意了：
最后的结果
10K points upfront
7500 points after spend $1500 in 2 months
也算是意外的收获吧。 |
|
