g********r
发帖数: 187 | 1 两个星期前锁定了利率,开始了 refinance, no cost, no fee, 还没有close.现在利率
又降了,可以取消以前锁定,再重新锁定吗? 这样还能no cost, no fee吗? |
t**********e
发帖数: 119 | 2 我上个礼拜锁的,今天看到跌了，就打电话让broker改了。开始他不愿意，但是后来还
是同意了。不妨问问。 |
g********r
发帖数: 187 | 3 那你的也是no cost, no fee吗?
我给我broker打电话了,他却说锁了就改不了,你是怎么说服你的broker的? 谢谢. |
b*d
发帖数: 9308 | 4 不Recommend这样做了，因为所有的Document都要重新处理一遍，而且还不能送同一家
银行。不过如果Rate跌到0.25%以上，我们也会重新送了。
【在 g********r 的大作中提到】
: 那你的也是no cost, no fee吗?
: 我给我broker打电话了,他却说锁了就改不了,你是怎么说服你的broker的? 谢谢.
|
r***r
发帖数: 123 | 5 all your refinance passed the appraisal. I mean the appraisal not lower than
your origianl purchase price. |
b*d
发帖数: 9308 | 6 It is possible that the appraisal value gets lower than the purchase price.
than
【在 r***r 的大作中提到】
: all your refinance passed the appraisal. I mean the appraisal not lower than
: your origianl purchase price.
|
r***r
发帖数: 123 | 7 Thanks Bed.
I have to pay the difference between the appraisal and the purchase price?
How you deal with it?
Thanks! |
b*d
发帖数: 9308 | 8 No,you don't necessarily have to. Your loan amount can be 5% more than your
apraisal value if you current loan is with Fannie Mae or Freddie Mac now.
【在 r***r 的大作中提到】
: Thanks Bed.
: I have to pay the difference between the appraisal and the purchase price?
: How you deal with it?
: Thanks!
|
|
H*******r
发帖数: 164 | 9 Hi Bed, for Fannie Mae loan, will I get higher rate because of that? Do I
have to buy PMI since now I am borrowing more than 80% of the appraised
value?
your
【在 b*d 的大作中提到】
: No,you don't necessarily have to. Your loan amount can be 5% more than your
: apraisal value if you current loan is with Fannie Mae or Freddie Mac now.
|
b*d
发帖数: 9308 | 10 You might get higher rate because your LTV is above 80%. However, the
benefit of this program is that you DO NOT need PMI.
【在 H*******r 的大作中提到】
: Hi Bed, for Fannie Mae loan, will I get higher rate because of that? Do I
: have to buy PMI since now I am borrowing more than 80% of the appraised
: value?
:
: your
|
