a*****y
发帖数: 1488 | 1 现在情况没法做普通的 mortgage， 有人推荐 portfolio loan.
有人贷过吗？有什么优缺点？ |
b*d
发帖数: 9308 | 2 就是利率高，但是审核简单。
【在 a*****y 的大作中提到】
: 现在情况没法做普通的 mortgage， 有人推荐 portfolio loan.
: 有人贷过吗？有什么优缺点？
|
o*****p
发帖数: 5952 | 3 要求梢trick, 利率梢高，沒有本质区别。
加州，请站内联系。
【在 a*****y 的大作中提到】
: 现在情况没法做普通的 mortgage， 有人推荐 portfolio loan.
: 有人贷过吗？有什么优缺点？
|
V******n
发帖数: 881 | 4 for a bank, usually they profit from 3 ways
1. sell pooled loans to fannie/freddie. sometimes called warehouse loans.
The bank is looking to sell with premiums. The bank may or may not service
the loan. if it does, it will pass any prepayment on to fannie/freddie and
to MBS investors. fannie/freddie are accountable for any defaults. Or the
bank may securitize loans and sell to investors directly without sending
them to fannie/freddie
2. Keep portfolio loans on balance sheet and profit from cash flows. The
bank is looking to profit from big spread/high interest rate/low default
possibility
3. Securities/bond trading. The bank is looking to hedge interest rate risk,
etc
so for your case, your loan is not acceptable to fannie/freddie. you can get
a portfolio loan from a bank that has money to fund your loan. I don't
think you can get the funds directly from some so called direct lender
mortgage companies or mortgage brokers.
【在 a*****y 的大作中提到】
: 现在情况没法做普通的 mortgage， 有人推荐 portfolio loan.
: 有人贷过吗？有什么优缺点？
|
p******y
发帖数: 3523 | 5 portfolio loan就是lender自己hold的loan，不会买给两房，因此大部分不遵循两房的
guidelines，或者说某些方面比两房的guidelines更严。
rate方面未必会差，考虑到根本没办法拿到普通的loan。 |
