j***g 发帖数: 158 | 1 FHA
260000,首付5%(贷247000),rate 4.875%
originaiton fee 0
processing fee 375
underwriting fee 774
appraisal 450
credit 30
flood cert 25
tax service 25
title services/insurance 1281
recording 95
total: 3055
以上不包括prepaid items (accrued interest, initial tax escrow, initial
insurance)
大家看看有啥可以斟酌的,提点建议吧 |
S*********t 发帖数: 522 | 2 基本上没什么可以改的,唯一可变的就是Title Company,你可以自己Shopping Around。 |
s******8 发帖数: 4192 | 3 processing fee 375
underwriting fee 774
太高了。
还有不知道你是什么地方。26W的房子appraisal 450,也太高了。 |
r**e 发帖数: 287 | 4 还要买Points吗?
另外,FHA Mortgage如何申请?需要符合什么条件? 谢谢。 |
s********d 发帖数: 2216 | 5 还要加
Upfront Mortgage Insurance, 1.75% |
j***g 发帖数: 158 | 6 其实是不得已采用FHA的,因为满足不了conventional的要求(至少10%)
【在 r**e 的大作中提到】 : 还要买Points吗? : 另外,FHA Mortgage如何申请?需要符合什么条件? 谢谢。
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y********n 发帖数: 255 | 7 楼主可以问问你是怎么样申请得到FHA的贷款的吗?谢谢 |
S**********s 发帖数: 2033 | 8 For comparison: ours
origination fee 0
processing fee 125
underwriting fee 395
appraisal 400
credit 20
flood cert 6
tax service 83
title services/insurance : depending on your title company
recording 80 (standard, charged by your title company)
and other charges...
【在 j***g 的大作中提到】 : FHA : 260000,首付5%(贷247000),rate 4.875% : originaiton fee 0 : processing fee 375 : underwriting fee 774 : appraisal 450 : credit 30 : flood cert 25 : tax service 25 : title services/insurance 1281
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n*******l 发帖数: 29 | 9 For comparison
estimated by broker
origination fee 400
appraisal 400
credit report 15
flood cert 20
tax service 80
SETTLEMENT 75
NOTARY 35
title services/insurance : depending on your title company
recording (DEED) 150
recording (MRTG/DOT) 235
There are no processing and underwriting fees. |
g*****n 发帖数: 8800 | 10 贷5%不是就要交insurance了?
【在 j***g 的大作中提到】 : FHA : 260000,首付5%(贷247000),rate 4.875% : originaiton fee 0 : processing fee 375 : underwriting fee 774 : appraisal 450 : credit 30 : flood cert 25 : tax service 25 : title services/insurance 1281
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s*****a 发帖数: 162 | 11 jlong 和 ShiningStars,你们在哪里办FHA的? original fee都不用钱的?
我在lendingtree办,original fee要800多, GFE total加起来要20000多,不知道哪里可
以扣掉一些.
另外搭车问一下, title service's and lender's title insurance 和 owner's
title insurance 有什么不同? 我的lender说owner's title insurance不一定要买,是
真的吗? |