s******d
发帖数: 93 | 1 有哪位用过的谈谈经验 （站内信也可）？ 小伙伴心中不安：
给的各个项目的都比一般问到的银行/mortgage broker低0.3-0.4%， 据其自己说是吸
引成为他们的checking用户（checking$3500起 没有fee），要求做direct deposit,
mortgage 款项自动扣款。 |
s**********h
发帖数: 997 | 2 local community bank的贷款利率是相对低。我正在用的也比这里的一位broker报得低。
你查过这个银行的网上每日利率吗？一般情况下，报价和网上公开信息都是一致的。
【在 s******d 的大作中提到】
: 有哪位用过的谈谈经验 （站内信也可）？ 小伙伴心中不安：
: 给的各个项目的都比一般问到的银行/mortgage broker低0.3-0.4%， 据其自己说是吸
: 引成为他们的checking用户（checking$3500起 没有fee），要求做direct deposit,
: mortgage 款项自动扣款。
|
s******d
发帖数: 93 | 3 Thanks !
It was just a bit fishy because all other small banks cannot match... the
First republic bank does say in their disclosure that they lower rate by 0.4
% to establish automatic debting to loan with a direct deposit in to the
checking account.
低。
【在 s**********h 的大作中提到】
: local community bank的贷款利率是相对低。我正在用的也比这里的一位broker报得低。
: 你查过这个银行的网上每日利率吗？一般情况下，报价和网上公开信息都是一致的。
|
s**********h
发帖数: 997 | 4 Try to get a "good faith" letter/estimate from them, so you will see all the
costs and conditions involved.
.4
【在 s******d 的大作中提到】
: Thanks !
: It was just a bit fishy because all other small banks cannot match... the
: First republic bank does say in their disclosure that they lower rate by 0.4
: % to establish automatic debting to loan with a direct deposit in to the
: checking account.
:
: 低。
|
a*****y
发帖数: 613 | 5 definitely get a GFE and APR from them. Sometimes they jack up the closing
cost to compensate the low rate.
.4
【在 s******d 的大作中提到】
: Thanks !
: It was just a bit fishy because all other small banks cannot match... the
: First republic bank does say in their disclosure that they lower rate by 0.4
: % to establish automatic debting to loan with a direct deposit in to the
: checking account.
:
: 低。
|
s******d
发帖数: 93 | 6 They did provide the GFE, and all the numbers are correct.
Closing cost is paid by the bank.
All other brokers think that is too good to be true.
That's why I wonder if anyone here used them before, and whether they had
experience during the mortgage payment periods.
I am considering using 5-1ARM, but the low rate and no closing cost also
applies to 15y or 30y fixed terms...
【在 a*****y 的大作中提到】
: definitely get a GFE and APR from them. Sometimes they jack up the closing
: cost to compensate the low rate.
:
: .4
|
s**********h
发帖数: 997 | 7 你好！请问你最后决定用了这个银行吗？
我们买方的银行需要我们出具额外的绿卡支持证明，以防万一，我们想找一家backup的
银行，你觉得可以用这家银行吗？
【在 s******d 的大作中提到】
: 有哪位用过的谈谈经验 （站内信也可）？ 小伙伴心中不安：
: 给的各个项目的都比一般问到的银行/mortgage broker低0.3-0.4%， 据其自己说是吸
: 引成为他们的checking用户（checking$3500起 没有fee），要求做direct deposit,
: mortgage 款项自动扣款。
|
h*******1
发帖数: 227 | 8 very interesting, Normally locl banks have higher rates, what term did you
get? |
g*******s
发帖数: 2828 | 9 this is a private bank catering to high net worth clients, although i think
most Chinese couples would qualify.
their mortgage is not no cost like the ones you typically get from Chinese m
brokers, but it is still a decent deal. and you will even get additional 5-
10bps off depending on how much cash balance you keep with them. when i was
shopping, the lowest rate i got was 35bps lower on a 30 yr mortgage than
from the Chinese brokers, and 50bps if i kept a $150k cash balance (i think
it was 5bps for each $50k capped at 15bps).
i almost switched to them -- one of my best friends is a client for years
and he has been gushing about the service he gets there. i talked to his rep
a few times, and the service is definitely heads/shoulders above where you
get at BoAs of the world. i was too lazy in the end.
btw, if you are a high net worth client, you should definitely check out
some of these private banks, like FRB or Boston Private. They offer very low
rate on mortgages to attract clients. the catch is obviously you need to
maintain a big balance and/or buy their other products... |
