w****0 发帖数: 86 | 1 conv loan 20万,3.625,没点
请教大家这个closing cost靠谱么?有什么能不要的么?非常感谢~~
PREPAID FINANCE CHARGES (INCLUDED IN APR):
TAX SERVICE FEE to Lereta $ 85.00
FLOOD CERTIFICATION to CoreLogic Flood Services $ 8.56
PROCESSING FEE to LENDER $ 195.00
UNDERWRITING FEE to LENDER $ 595.00
SUBORDINATION FEE to OTHER $ 0.00
CREDIT FOR SPECIFIC INTEREST RATE CHOSEN $ 0.00
INTERIM INTEREST (APR) @ $ 17.8028 / day $ 17.80
CLOSING/SETTLEMENT/ATTORNEY FEE to OTHER $ 0.00
WIRE TRANSFER FEE to OTHER $ 65.00
MOBILE NOTARY FEE to OTHER $ 0.00
CLOSING PROTECTION LETTER to OTHER $ 50.00
TITLE INSURANCE BINDER to OTHER $ 50.00
TITLE DOCUMENT PREPARATION FEE to OTHER $ 150.00
TOTAL PREPAID FINANCE CHARGE $ 1,216.36
AMOUNT PAID TO OTHERS ON YOUR BEHALF
APPRAISAL FEE to OTHER $ 375.00
CREDIT REPORT FEE to CoreLogic Credco $ 14.00
APPRAISAL RE-INSPECTION to OTHER $ 0.00
HOMEOWNERS to OTHER $ 849.96
MIP CREDIT/REFUND to OTHER $ 0.00
HAZARD INSURANCE $ 212.49
MORTGAGE INSURANCE $ 0.00
COUNTYPROPERTYTAX $ 1,063.60
SCHOOLPROPERTYTAX $ 0.00
FLOOD INSURANCE $ 0.00
OWNER'S TITLE INSURANCE to OTHER $ 984.00
LENDER TITLE INSURANCE to OTHER $ 687.75
TITLE EXAMINATION to OTHER $ 350.00
TITLE ENDORSEMENT to OTHER $ 0.00
TITLE REQUIRED SURVEY to OTHER $ 50.00
Deed $ Mortgage $ Releases $ $ 165.00
CITY/COUNTY TAX STAMPS to OTHER $ 175.00
NOC RECORDING FEE to OTHER $ 0.00
CONVEYANCE TAX to OTHER $ 0.00
TRANSFER TAX to OTHER $ 215.00
QUIT CLAIM DEED to OTHER $ 25.00
TOTAL OF AMOUNT PAID TO OTHERS ON YOUR BEHALF $ 5,166.80 |
c**********e 发帖数: 1184 | 2 这个closing cost应该是靠谱的,原因是:
一、Lender的收费在正常范围内(Tax Service, Flood Cert, Processing Fee,
Underwriting Fee,Appraisal, Credit Report);
二、Title的各项收费好像名目稍多了一些,如Closing Protection Letter,Title
Insurance Binder,Title Document Preparation, Title Examination,Title
Required Survey等,加起来有$650,但因为没有收你的Escrow Fee即Settlement Fee
,所以整体算下来还应算是合理;
三、其它的如title insurance (owner's & lender's)、各种taxes、recording(即
deed/mortgage releases)等,都应是实报实销,没有加价的。 |
I******D 发帖数: 256 | 3 closing cost 包括4大类
1. 和银行审批相关的费用, 也就是和利率相关的费用包括
TAX SERVICE FEE to Lereta $ 85.00
FLOOD CERTIFICATION to CoreLogic Flood Services $ 8.56
PROCESSING FEE to LENDER $ 195.00
UNDERWRITING FEE to LENDER $ 595.00
CREDIT REPORT FEE to CoreLogic Credco $ 14.00
总共是897.56。
也可以把appraisal fee考虑进去,因为你选定银行的时候就选定了银行批准的
appraisal management company, appraisal fee 也就定下来。那么总共的费用是1272
.56。费用合理。
其他的费用跟银行/利率没有关系;
2. title company 如果是 buyer 决定,那么你有一定的选择权,多比比价; 如果是
seller决定,那就是 seller 决定。看你所在州的做法。不知道你在哪个州?
WIRE TRANSFER FEE to OTHER $ 65.00
CLOSING PROTECTION LETTER to OTHER $ 50.00
TITLE INSURANCE BINDER to OTHER $ 50.00
TITLE DOCUMENT PREPARATION FEE to OTHER $ 150.00
OWNER'S TITLE INSURANCE to OTHER $ 984.00
LENDER TITLE INSURANCE to OTHER $ 687.75
TITLE EXAMINATION to OTHER $ 350.00
TITLE REQUIRED SURVEY to OTHER $ 50.00
Deed $ Mortgage $ Releases $ $ 165.00
总共是2551.75
3. Goverment charges, 没有谈判的余地。
CITY/COUNTY TAX STAMPS to OTHER $ 175.00
TRANSFER TAX to OTHER $ 215.00
QUIT CLAIM DEED to OTHER $ 25.00 (这个在买房的时候比较少见)
TOTAL: 415
4. Pre-paid items, 在过户的时候你总是会需要先付1年的保险,过户那天到月底的
利息,escrow account reserve. 这些其实是你过户之后作为howeowner会产生的开销
,只是在过户的时候预付了。
HOMEOWNERS to OTHER $ 849.96
HAZARD INSURANCE $ 212.49
COUNTYPROPERTYTAX $ 1,063.60
INTERIM INTEREST (APR) @ $ 17.8028 / day $ 17.80
总共2143.85 |
I******D 发帖数: 256 | 4 除了Title费用有待商榷外,其他都没什么问题。另外,建议你试试看跟银行negociate
for a better rate. |
l********0 发帖数: 642 | 5 5年ARM吗?
【在 w****0 的大作中提到】 : conv loan 20万,3.625,没点 : 请教大家这个closing cost靠谱么?有什么能不要的么?非常感谢~~ : PREPAID FINANCE CHARGES (INCLUDED IN APR): : TAX SERVICE FEE to Lereta $ 85.00 : FLOOD CERTIFICATION to CoreLogic Flood Services $ 8.56 : PROCESSING FEE to LENDER $ 195.00 : UNDERWRITING FEE to LENDER $ 595.00 : SUBORDINATION FEE to OTHER $ 0.00 : CREDIT FOR SPECIFIC INTEREST RATE CHOSEN $ 0.00 : INTERIM INTEREST (APR) @ $ 17.8028 / day $ 17.80
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