w********6
发帖数: 12977 | 1 waiver我所有的权利， 感觉就是不平等条约啊，签了，nnd |
P****E
发帖数: 111 | |
z*********n
发帖数: 94654 | 3 恭喜
【在 w********6 的大作中提到】
: waiver我所有的权利， 感觉就是不平等条约啊，签了，nnd
|
o****s
发帖数: 172 | 4 how about try 3% closing fee? nowadays a lot of bank they agree to credit
back buyers. the market is unstable now. |
w********6
发帖数: 12977 | 5 Actually bank agree on my offer, I cut $3800 from asking price, another my
offer accepted is $10k above price, but I finally decide to choose the
cheaper one, which is $3800 below asking price
【在 P****E 的大作中提到】
: 你同意了银行的counter offer？
|
z*********n
发帖数: 94654 | 6 那你还说不平等条约，肯定他们counter里有很多你觉得不平等的条款你不爽
是不是AS IS，不修什么的
【在 w********6 的大作中提到】
: Actually bank agree on my offer, I cut $3800 from asking price, another my
: offer accepted is $10k above price, but I finally decide to choose the
: cheaper one, which is $3800 below asking price
|
w********6
发帖数: 12977 | 7 unfortunately no, BTW, what do you mean by closing fee?
credit
【在 o****s 的大作中提到】
: how about try 3% closing fee? nowadays a lot of bank they agree to credit
: back buyers. the market is unstable now.
|
z*********n
发帖数: 94654 | 8 你买了房子最后close的时候大约要花个六七千的，closing cost
【在 w********6 的大作中提到】
: unfortunately no, BTW, what do you mean by closing fee?
:
: credit
|
w********6
发帖数: 12977 | 9 是啊，虽然这是意料之中，看到密密麻麻的waiver条款，还是心惊
【在 z*********n 的大作中提到】
: 那你还说不平等条约，肯定他们counter里有很多你觉得不平等的条款你不爽
: 是不是AS IS，不修什么的
|
w********6
发帖数: 12977 | 10 loan 还是其他的？
【在 z*********n 的大作中提到】
: 你买了房子最后close的时候大约要花个六七千的，closing cost
|
|
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z*********n
发帖数: 94654 | 11 title, escrow, loan, record, blah blah blah blahblahblahblahblablah
【在 w********6 的大作中提到】
: loan 还是其他的？
|
w********6
发帖数: 12977 | 12 貌似seller 只付 $1,100 termite repair and pest |
w********6
发帖数: 12977 | |
z*********n
发帖数: 94654 | 14 最后你可能五六千closing cost免不了的
有些钱在refi的时候能省，first purchase省不掉的
【在 w********6 的大作中提到】
: 其他的就是各付个的
|
w********6
发帖数: 12977 | 15 如果多交downpayment, 是不是 loan的closing fee 可以少或者没有？
【在 z*********n 的大作中提到】
: 最后你可能五六千closing cost免不了的
: 有些钱在refi的时候能省，first purchase省不掉的
|
z*********n
发帖数: 94654 | 16 一分不少
跟你交多少down没关系
你要是做no cost no fee的loan可能能省掉好多
不过first purchase好像不太好弄。不知道现在的行情
一般都是refi no cost no fee
且closing cost也不都是loan 的cost，还有别的款项
【在 w********6 的大作中提到】
: 如果多交downpayment, 是不是 loan的closing fee 可以少或者没有？
|
w********6
发帖数: 12977 | 17 哦，我比较土，没和银行去讨这笔钱
【在 z*********n 的大作中提到】
: 一分不少
: 跟你交多少down没关系
: 你要是做no cost no fee的loan可能能省掉好多
: 不过first purchase好像不太好弄。不知道现在的行情
: 一般都是refi no cost no fee
: 且closing cost也不都是loan 的cost，还有别的款项
|
z*********n
发帖数: 94654 | 18 first purchase closing cost很难都免的，顶多让他们多给你credit一点算一点
那个termite，也不是他们心好，这个是加州法律，必须卖方做的
如果不是as is， repair credit说不定就能把closing cost都抵了
【在 w********6 的大作中提到】
: 哦，我比较土，没和银行去讨这笔钱
|
w********6
发帖数: 12977 | 19 还好，主要的repair, 银行在我签约前都做了，全部地毯都换，刷漆； 给我
combination, 我随时
可以进去看
【在 z*********n 的大作中提到】
: first purchase closing cost很难都免的，顶多让他们多给你credit一点算一点
: 那个termite，也不是他们心好，这个是加州法律，必须卖方做的
: 如果不是as is， repair credit说不定就能把closing cost都抵了
|
h********8
发帖数: 7355 | 20 请问REO list price通常比所欠贷款高多少？ |
|
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o****s
发帖数: 172 | 21 lower than the listing price + they fix the termite, that seems a good
deal.
1000 dollar can do a lot on spot treatment. around 2000 you can do both
subterranean termite treatment and fumigation together for most of the
homes
. I hope I can be that lucky to low-ball some good REOs.
BTW Wolfstar, you still have the inspection contingency and appraisal
contingency, right? That'd be good enough. |
z*********n
发帖数: 94654 | 22 tream termite加州法律规定的，卖方必须做的
银行必须守法
【在 o****s 的大作中提到】
: lower than the listing price + they fix the termite, that seems a good
: deal.
: 1000 dollar can do a lot on spot treatment. around 2000 you can do both
: subterranean termite treatment and fumigation together for most of the
: homes
: . I hope I can be that lucky to low-ball some good REOs.
: BTW Wolfstar, you still have the inspection contingency and appraisal
: contingency, right? That'd be good enough.
|
w********6
发帖数: 12977 | 23 the only contingency is finance, which means only if appraisal results in
denial of loan, then I can walk away.
My agent told me though, that I can have inspection and 17 days to decide
if back off or not if there is major issues
both
【在 o****s 的大作中提到】
: lower than the listing price + they fix the termite, that seems a good
: deal.
: 1000 dollar can do a lot on spot treatment. around 2000 you can do both
: subterranean termite treatment and fumigation together for most of the
: homes
: . I hope I can be that lucky to low-ball some good REOs.
: BTW Wolfstar, you still have the inspection contingency and appraisal
: contingency, right? That'd be good enough.
|
z*********n
发帖数: 94654 | 24 ah? 非常不平等啊
最起码起码得有inspection contingency啊
万一真查出有问题你咋办？退还是不退
我觉得这种reo的房子对方刚做了装修才更危险呢，有可能整好把问题掩盖了...
inspection contingency是minimum啊...
【在 w********6 的大作中提到】
: the only contingency is finance, which means only if appraisal results in
: denial of loan, then I can walk away.
: My agent told me though, that I can have inspection and 17 days to decide
: if back off or not if there is major issues
:
: both
|
w********6
发帖数: 12977 | 25 I really don't know, in my another case, the asking price is almost $200k
below the loan owed
【在 h********8 的大作中提到】
: 请问REO list price通常比所欠贷款高多少？
|
w********6
发帖数: 12977 | 26 貌似现在情况是，出问题，你可以退deposit, 但是估计损失 open escrow的cost
【在 z*********n 的大作中提到】
: ah? 非常不平等啊
: 最起码起码得有inspection contingency啊
: 万一真查出有问题你咋办？退还是不退
: 我觉得这种reo的房子对方刚做了装修才更危险呢，有可能整好把问题掩盖了...
: inspection contingency是minimum啊...
|
w********6
发帖数: 12977 | 27 sold as is, 你基本都自己负责修理，如果太多了，你只能选择walk away, 退deposit
, 但是我知道，实际上你还损失一点小钱 |
z*********n
发帖数: 94654 | 28 挺吓人的啊，你就祈祷最好别出问题了
inspection contingency是我听说过的所有合同里的最底线了
你这个底线都没了，听起来挺吓人
比如我之前那个高压线房子就是后来意识到了问题就利用了contingency轻易退出了
你还是仅仅相信了你的dual agent的话，他说能退deposit，可是你没inspection
contingency，谁退你呢？个人可能有好心的不为难你就算了，银行，公事公办...
【在 w********6 的大作中提到】
: 貌似现在情况是，出问题，你可以退deposit, 但是估计损失 open escrow的cost
|
z*********n
发帖数: 94654 | 29 应该只损失inspection fee
deposit
【在 w********6 的大作中提到】
: sold as is, 你基本都自己负责修理，如果太多了，你只能选择walk away, 退deposit
: , 但是我知道，实际上你还损失一点小钱
|
w********6
发帖数: 12977 | 30 不好意思，误导了，查看了合同，有appraisal contingency 17天
【在 z*********n 的大作中提到】
: 应该只损失inspection fee
:
: deposit
|
|
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z*********n
发帖数: 94654 | 31 appraisal or inspection
【在 w********6 的大作中提到】
: 不好意思，误导了，查看了合同，有appraisal contingency 17天
|
w********6
发帖数: 12977 | 32 It is pretty complicated in the contract, but it says 17 days removal of
contingency, appraisal, inspection
buyer can ask seller to repair, but seller does not have the obligation to
agree or respond to the requests
【在 z*********n 的大作中提到】
: appraisal or inspection
|
z*********n
发帖数: 94654 | 33 有inspection就好
【在 w********6 的大作中提到】
: It is pretty complicated in the contract, but it says 17 days removal of
: contingency, appraisal, inspection
: buyer can ask seller to repair, but seller does not have the obligation to
: agree or respond to the requests
|
w********6
发帖数: 12977 | 34 俺现在手里有BOA和Wells Fargo俩个银行的REO标准合同，嘿嘿，非常难读懂 |
o****s
发帖数: 172 | 35 Wolfstar, the contract is standard purchase agreement, don't need to worry
too much about it. However, pay attention to all the addendum and counter
offers. don't sign BIW, CR and BFI for now.
Most home inspector here are only pointing out trivial things, important
things such like roof and foundation they recommend you to other licensees.
But inspection give buyer a cushion of 17 days to back out for any reason.
BTW, the headache I met with was with Fannie Mae's property, they are
exempted from |
T*****i
发帖数: 157 | 36 我们的seller也接受我们的counter offer，一般的contingency都是17天吗？他跟
inspection的contingency不一样嘛？
我们的offer低于listing 5000,但是银行不管termite inspection,home warrenty
insurance,
现在反而更加担心了。。。 |
w********6
发帖数: 12977 | 37 谢谢，我还得google 啥是BIW, CR and BFI
估计现在就是赌博，我的房子比较新1999,看起来没有任何破坏的样子，我去了几天试
了全部的马
桶，浴缸，没有堵塞没有漏，热水没问题，空调在100+的天气开到72度也行，很凉快。
worry
counter
important
licensees.
reason.
which
should go
【在 o****s 的大作中提到】
: Wolfstar, the contract is standard purchase agreement, don't need to worry
: too much about it. However, pay attention to all the addendum and counter
: offers. don't sign BIW, CR and BFI for now.
: Most home inspector here are only pointing out trivial things, important
: things such like roof and foundation they recommend you to other licensees.
: But inspection give buyer a cushion of 17 days to back out for any reason.
: BTW, the headache I met with was with Fannie Mae's property, they are
: exempted from
|
w********6
发帖数: 12977 | 38 都是，自己赌博， 17天在加州貌似都是一样，不知道其他地方
【在 T*****i 的大作中提到】
: 我们的seller也接受我们的counter offer，一般的contingency都是17天吗？他跟
: inspection的contingency不一样嘛？
: 我们的offer低于listing 5000,但是银行不管termite inspection,home warrenty
: insurance,
: 现在反而更加担心了。。。
|
o****s
发帖数: 172 | 39 Man,1999 is new house for me! newer house saves alot of troubles. 1999
should be insulated and copper plumbing throughout and maybe tile roof and
built with newer building code.
BIW-Buyer Inspection Waiver
CR- Contingency Removal
BFI- Buyer final inspection
something like that.
if it's good price, I should look at that area, too. I don't mind distance
and schools for now. |
w********6
发帖数: 12977 | 40 thanks for the tip, I decide to buy REO only because we have some pretty
new properties.
The other one I decide to give up is actually newer, 2004, with all the
upgrade, but there are signs of angry owner doing damage (though small
and silly ones, such as taking out only the ceiling fan propeller but
leaving the main on, taking out the thermo control but leave all the
appliance untouched), however, the attic roof entry is open, I suspect
they have done some damage there.
and
distance
【在 o****s 的大作中提到】
: Man,1999 is new house for me! newer house saves alot of troubles. 1999
: should be insulated and copper plumbing throughout and maybe tile roof and
: built with newer building code.
: BIW-Buyer Inspection Waiver
: CR- Contingency Removal
: BFI- Buyer final inspection
: something like that.
: if it's good price, I should look at that area, too. I don't mind distance
: and schools for now.
|
|
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a*****r
发帖数: 1539 | 41 congratulations!
【在 w********6 的大作中提到】
: waiver我所有的权利， 感觉就是不平等条约啊，签了，nnd
|
a******o
发帖数: 7982 | 42 在那个zip?我最近也在看，但是怎么看来看去都没看到中意的。真喜欢的就一点不是
deal.
【在 w********6 的大作中提到】
: 谢谢，我还得google 啥是BIW, CR and BFI
: 估计现在就是赌博，我的房子比较新1999,看起来没有任何破坏的样子，我去了几天试
: 了全部的马
: 桶，浴缸，没有堵塞没有漏，热水没问题，空调在100+的天气开到72度也行，很凉快。
:
: worry
: counter
: important
: licensees.
: reason.
|
j*****3
发帖数: 654 | 43 呃，好像很多加州房子不修TERMITE。有一种说法是SECTION 1的不修好BUYER的银行不
给贷款，可是
好像也不绝对。
【在 z*********n 的大作中提到】
: tream termite加州法律规定的，卖方必须做的
: 银行必须守法
|
