s*****i
发帖数: 261 | 1 不明白，还没有批准的时候，loan officer就要锁定利率，还说没问题，肯定能批复。
是这样的吗？ |
p******y
发帖数: 3523 | 2 在审批前就锁利息的有，有些lender，不锁利息不批loan，批不过去就decline呗。
在loan批完之后锁利息的也有，其实主要是看rate lock能否cover到closing，另外，
有些客人喜欢等等看，有没有机会rate再降什么的。 |
r******d
发帖数: 1879 | 3 Some lenders will not underwrite your loan if you don't lock the rate. But
other lenders are OK for you to lock at any time you like.
Lock the rate when you submit the loan will gurantee you will get the
promised rate by the broker.
wihtout locking the rate, broker can only register your loan to the lender
based on the rate trend ( assuming your case is not corner case and all the
lenders can deal with that). You might end up with higher rate but of
course, if rate is not changing, you will get better rate by locking the
short time.
【在 s*****i 的大作中提到】
: 不明白，还没有批准的时候，loan officer就要锁定利率，还说没问题，肯定能批复。
: 是这样的吗？
|
o*****p
发帖数: 5952 | 4 只要你的材料已在电脑里，就可以锁。
【在 s*****i 的大作中提到】
: 不明白，还没有批准的时候，loan officer就要锁定利率，还说没问题，肯定能批复。
: 是这样的吗？
|
s*****i
发帖数: 261 | 5 那现在锁定30年，7/ARM, 是不是时候啊？再谢! |
r******d
发帖数: 1879 | 6 today's rate is little bit worse than yesterday. but nobody really can tell
how the rate will go. so just follow your heart to make sure you would feel
comfortable for whatever the decision you will made.
【在 s*****i 的大作中提到】
: 那现在锁定30年，7/ARM, 是不是时候啊？再谢!
|
s*****i
发帖数: 261 | 7 30年期， 7/ARM：
Interest rate 2.75%
Points 0.25 |
r******d
发帖数: 1879 | 8 It is hard to tell you if this rate is OK or not without knowing the more
detailes. Here is the rate today ( it is only applying to California)
SFR, Primary living, LTV75%, FICO 740+, loan amount around 400K,
2.75% for 7 yrs ARM NO COST
SFR, Primary living. LTV75%, FICO 740+, loan amount around 600K,
3.0% for 7 yrs ARM NO COST
【在 s*****i 的大作中提到】
: 30年期， 7/ARM：
: Interest rate 2.75%
: Points 0.25
|
d*****9
发帖数: 945 | 9 什么时候资料会在电脑里呢，房屋appraisal后吗？
【在 o*****p 的大作中提到】
: 只要你的材料已在电脑里，就可以锁。
|
r******d
发帖数: 1879 | 10 By the time you submit the full doc, your agent will start to process the
files. After they register the loan in the bank's system, you should be able
to lock the rate. In another word, you should be able to lock the rate on
the same day of the full doc submission.
【在 d*****9 的大作中提到】
: 什么时候资料会在电脑里呢，房屋appraisal后吗？
|
|
|
d*****9
发帖数: 945 | 11 谢谢哦，可以再问下那利率可以锁多久吗？
able
on
【在 r******d 的大作中提到】
: By the time you submit the full doc, your agent will start to process the
: files. After they register the loan in the bank's system, you should be able
: to lock the rate. In another word, you should be able to lock the rate on
: the same day of the full doc submission.
|
r******d
发帖数: 1879 | 12 The lock period can be 15 days, 30 days, 45 days and 60 days. the longer the
time you lock, the worse the rate or rebate you will get.
Assuming rate is the same or better, locking 15 days after the loan is fully
approved will provide you the best rate. However, if the rate is becoming
worse, locking afterwards will be risky.
【在 d*****9 的大作中提到】
: 谢谢哦，可以再问下那利率可以锁多久吗？
:
: able
: on
|
d*****9
发帖数: 945 | 13 太感谢了，那万一房子inspect之后有问题，但是利率已经锁了，取消交易会因为锁了
利率产生费用吗？不好意思啊，问题太多了。。。麻烦您了
the
fully
becoming
【在 r******d 的大作中提到】
: The lock period can be 15 days, 30 days, 45 days and 60 days. the longer the
: time you lock, the worse the rate or rebate you will get.
: Assuming rate is the same or better, locking 15 days after the loan is fully
: approved will provide you the best rate. However, if the rate is becoming
: worse, locking afterwards will be risky.
|
r******d
发帖数: 1879 | 14 You can always walk away before removing contingency for any conditions you
are not satisfied , and you will loose inspection fee or appraisal fee. For
broker, we dont charge the processing fee or locking fee. If you have to
walk away, you need to present us the contract cancellation so we will not
get penalty from lenders. Of course, we will waste sometime and credit score
checking fee and processing, but we never charge people on any cost for
such situation.
But you do need to check with your brokers to see what is their policies. I
have read some post a few days ago that some direct lender need you to pay
processing fee first.
Best luck
【在 d*****9 的大作中提到】
: 太感谢了，那万一房子inspect之后有问题，但是利率已经锁了，取消交易会因为锁了
: 利率产生费用吗？不好意思啊，问题太多了。。。麻烦您了
:
: the
: fully
: becoming
|
d*****9
发帖数: 945 | 15 太谢谢了。既牛且强又耐心，谁找你做贷款真是福气啊
you
For
score
I
【在 r******d 的大作中提到】
: You can always walk away before removing contingency for any conditions you
: are not satisfied , and you will loose inspection fee or appraisal fee. For
: broker, we dont charge the processing fee or locking fee. If you have to
: walk away, you need to present us the contract cancellation so we will not
: get penalty from lenders. Of course, we will waste sometime and credit score
: checking fee and processing, but we never charge people on any cost for
: such situation.
: But you do need to check with your brokers to see what is their policies. I
: have read some post a few days ago that some direct lender need you to pay
: processing fee first.
|
o*****p
发帖数: 5952 | 16 你不需交给我们仼何费用，我们白做而已。
【在 d*****9 的大作中提到】
: 太感谢了，那万一房子inspect之后有问题，但是利率已经锁了，取消交易会因为锁了
: 利率产生费用吗？不好意思啊，问题太多了。。。麻烦您了
:
: the
: fully
: becoming
|
l*******9
发帖数: 518 | 17 刚问了银行，说提交pre-approval的时候就可以锁定，而且不管锁多长时间rate都一样
，lock也不需要钱。 |
p*****s
发帖数: 708 | 18 你的银行这么好，为什么我的锁定要钱呢？
而且所得越长越贵
【在 l*******9 的大作中提到】
: 刚问了银行，说提交pre-approval的时候就可以锁定，而且不管锁多长时间rate都一样
: ，lock也不需要钱。
|
r******d
发帖数: 1879 | 19 It usually applying to the direct lender with cost.
【在 l*******9 的大作中提到】
: 刚问了银行，说提交pre-approval的时候就可以锁定，而且不管锁多长时间rate都一样
: ，lock也不需要钱。
|
