z*******g
发帖数: 106 | 1 builder的利率很差，即使考虑了builder给的用builder lender 的incentive。 我想
多要点lender credit， 选高利率的，然后一close就refinance, 这个可行吗？还是要
等1个月？ |
o*****p
发帖数: 5952 | 2 问lender. 看个案。
【在 z*******g 的大作中提到】
: builder的利率很差，即使考虑了builder给的用builder lender 的incentive。 我想
: 多要点lender credit， 选高利率的，然后一close就refinance, 这个可行吗？还是要
: 等1个月？
|
r******d
发帖数: 1879 | 3 A few things you need to concern:
1. If the builder's lender has any "jail" time for you. Usually it is 4-6
months that you have to stay with current lender.
2. Even the current lender is OK for you to refinance at any time right
after the closing, but the new lender might have some restriction for you
such as: You have to be on title for certain of the month, OR you have to
pay the cerntain months mortgage payments...
So it is really depend on current lender and feature's new lenders you
choose.
Since the rate is low and stable lately, there do have many customers requst
to get as much as rebate they could to cover the closing cost and then
refinance in 4-6 months period to get lower rate.
Just provid those information as your reference.
Good luck!
【在 z*******g 的大作中提到】
: builder的利率很差，即使考虑了builder给的用builder lender 的incentive。 我想
: 多要点lender credit， 选高利率的，然后一close就refinance, 这个可行吗？还是要
: 等1个月？
|
b********2
发帖数: 5191 | 4 definitely check with lender, usually if it's wells fargo, you can do it
right away |
m*****n
发帖数: 314 | 5 这个要看lender,有的可以马上refinance,有的要等6个月,如果提前payoff,就有
prepayment penalty,具体还得跟自己的lender double check. |
p******y
发帖数: 3523 | 6 一般在truth-in-lending上就会有是否有prepayment penalty的条款，LZ可以好好研究
一下。
另一个问题是，如果现在只能用builder指定的lender， 不知道closing之后短期之内
，是否有其他lender收。 |
I******A
发帖数: 38 | 7 可以先去问问Builder指定的Lender，看几个月之后pay off / refinance才会没有pre
payment penalty，有些builder的lender可能无所谓，过户之后一个月就允许
refinance到别家Lender，有些可能要求4~6月或者更久，
然后问问新的想要refinance的lender,看他们要求买房子过户之后多少个月才能重新
refinance,或者从买房子过户开始算，或者从买房之后第一次mortgage payment开始，
一般会要你等4~6个月才能refinance
两边都确定好了就可以知道什么时候开始做refinance了 |
