y**********n
发帖数: 79 | 1 我们现在正通过法律途径在向一位经常来这个版面灌水找新客户的贷款中介要回超过$
1000的Lender Rebate。提醒大家查一下自己做Refinance的HUD文件，看有没有类似情
况（参见下面两个帖子）。
这位名字很亲切的中介好像还没有正大光明地讲清楚怎么给客户退钱做Zero Cost
Refinance。所以给大家提个醒。
http://www.mitbbs.com/article_t/Living/32370077.html
http://www.mitbbs.com/article_t/Living/32369445.html |
b**********u
发帖数: 2817 | 2 why? Just for couple of gram? I will not do that. I did re-fi and new loan
both and did not ask for rebate at all. As long as I am satified with the
service, I regard rebates as tips.
I also notice you are suing that Chinese loan officer just because of the
money. I feel very disturbed about this situation. $1000? WTF? I would go to
McD and work part time to get $1000 earlier than court result.
Is that necessary? Are not Chinese suppose to tolerate each other?
Again, I wont do that.
That is only me though.
【在 y**********n 的大作中提到】
: 我们现在正通过法律途径在向一位经常来这个版面灌水找新客户的贷款中介要回超过$
: 1000的Lender Rebate。提醒大家查一下自己做Refinance的HUD文件，看有没有类似情
: 况（参见下面两个帖子）。
: 这位名字很亲切的中介好像还没有正大光明地讲清楚怎么给客户退钱做Zero Cost
: Refinance。所以给大家提个醒。
: http://www.mitbbs.com/article_t/Living/32370077.html
: http://www.mitbbs.com/article_t/Living/32369445.html
|
y**********n
发帖数: 79 | 3 你有钱，你去捐1000给纽约的黑人兄弟吧。你可以去MCD打工拿到这1000.去吧。不拦你。
我上上周日开始联系这位中介，上周四他保证上周六给我打电话算Rebate，我给他打了
3次电话，留了2次言。他昨天只给我回Email说周日上午跟我联系，结果还是一天没个
电话。这是一个人的品德问题。 |
y**********n
发帖数: 79 | 4 更新了标题。
Lender Rebate 是银行给的，应为贷款人拿到的是 0.125% 整数倍的利息，实际市场利
息在两个阶梯之间，所以银行给Lender Rebate （Credit － Origination Fee）。
Broker Rebate 是中介还给你做贷款的各种杂费。 |
d*e
发帖数: 999 | 5 其实大部分人都只满足不花一分钱re-fi，真没想过从中还能赚点钱。问题是，在这个
lender - broker - borrower 关系中，是否有明确规定，lender rebate一定给
borrower。broker是否可以宣称他要用这笔钱来cover他的cost。
我觉得有两点不利于borrower，第一，broker 和 borrower的合同是做一个 no cost,
no point re-fi,只要borrower没出一分closing cost，broker就算履行的合同。第二
，在我作过的几次re-fi中，这个“多余"的钱只会出现在GFE中，HUD的数字是刚刚好。
GFE只是个估计，broker和lender可以宣称rebate变了，而wholesale lender的rate和
rebate borrower 是看不到的。 |
y****i
发帖数: 17878 | 6 hehe, exactly
lender - broker - borrower
almost all of the borrowers are already happy with zero cost refinancing,
what they don't know is the existence of this lender's rebate which comes
from slightly higher interest rate they will be paying.
however, as a borrower you should negotiate this with the broker beforehand.
you have almost no chance to get more money back after the closing.
个
【在 d*e 的大作中提到】
: 其实大部分人都只满足不花一分钱re-fi，真没想过从中还能赚点钱。问题是，在这个
: lender - broker - borrower 关系中，是否有明确规定，lender rebate一定给
: borrower。broker是否可以宣称他要用这笔钱来cover他的cost。
: 我觉得有两点不利于borrower，第一，broker 和 borrower的合同是做一个 no cost,
: no point re-fi,只要borrower没出一分closing cost，broker就算履行的合同。第二
: ，在我作过的几次re-fi中，这个“多余"的钱只会出现在GFE中，HUD的数字是刚刚好。
: GFE只是个估计，broker和lender可以宣称rebate变了，而wholesale lender的rate和
: rebate borrower 是看不到的。
|
s*********e
发帖数: 144 | 7 其实每次no cost refinance 还是有escrow, title fee etc。 只是broker 给cover了
所以是no cost to borrower. lender rebate 被loan broker 用来cover 一部分cost
了吧，瞎猜的。 |
h********0
发帖数: 944 | |
y****i
发帖数: 17878 | 9 maybe
【在 h********0 的大作中提到】
: 第一次贷款还有又没 lender rebate
|
O***n
发帖数: 13127 | 10 i think so too
要想马儿跑，又不想给马吃草。
cost
【在 s*********e 的大作中提到】
: 其实每次no cost refinance 还是有escrow, title fee etc。 只是broker 给cover了
: 所以是no cost to borrower. lender rebate 被loan broker 用来cover 一部分cost
: 了吧，瞎猜的。
|
|
|
O***n
发帖数: 13127 | 11 我是不大会用老中得agents， brokers。 我做生意也会绕着老中客户，lol
太不省油了
beforehand.
【在 y****i 的大作中提到】
: hehe, exactly
: lender - broker - borrower
: almost all of the borrowers are already happy with zero cost refinancing,
: what they don't know is the existence of this lender's rebate which comes
: from slightly higher interest rate they will be paying.
: however, as a borrower you should negotiate this with the broker beforehand.
: you have almost no chance to get more money back after the closing.
:
: 个
|
b**********u
发帖数: 2817 | 12 ok
sorry
你。
【在 y**********n 的大作中提到】
: 你有钱，你去捐1000给纽约的黑人兄弟吧。你可以去MCD打工拿到这1000.去吧。不拦你。
: 我上上周日开始联系这位中介，上周四他保证上周六给我打电话算Rebate，我给他打了
: 3次电话，留了2次言。他昨天只给我回Email说周日上午跟我联系，结果还是一天没个
: 电话。这是一个人的品德问题。
|
y****i
发帖数: 17878 | 13 there are still good and honest ones out there.
all you need to do is to do your homework and ask the right questions.
you don't ask, you don't get it, simple as that.
【在 O***n 的大作中提到】
: 我是不大会用老中得agents， brokers。 我做生意也会绕着老中客户，lol
: 太不省油了
:
: beforehand.
|
O***n
发帖数: 13127 | 14 经常是broker, real estate agents 用低价，rebate恶性竞争,客户精明无比恨不得让
人不挣钱似的。
其实大家都要养家户口，让agents挣点钱呗。a little bit more profit wins much
better service. 大家开开心心。
【在 y****i 的大作中提到】
: there are still good and honest ones out there.
: all you need to do is to do your homework and ask the right questions.
: you don't ask, you don't get it, simple as that.
|
O***n
发帖数: 13127 | 15 文青，这回我顶你
to
【在 b**********u 的大作中提到】
: why? Just for couple of gram? I will not do that. I did re-fi and new loan
: both and did not ask for rebate at all. As long as I am satified with the
: service, I regard rebates as tips.
: I also notice you are suing that Chinese loan officer just because of the
: money. I feel very disturbed about this situation. $1000? WTF? I would go to
: McD and work part time to get $1000 earlier than court result.
: Is that necessary? Are not Chinese suppose to tolerate each other?
: Again, I wont do that.
: That is only me though.
|
y****i
发帖数: 17878 | 16 you're correct to some extent - knowing everything isn't always better than
knowing nothing.
agents like two groups of customers: those who are well informed, and those
who know nothing.
it is much easier to communicate with the well informed customers. both
parties understand each other's bottom line, and have mutual respect. there
tends to be less problems and surprises in business transactions, and less
disputes afterwards. it is a win-win situation, believe it or not.
the worst customers, as you may have guessed, are those who think they know
everything or at least something, but actually have no clue what they are
talking about.
【在 O***n 的大作中提到】
: 经常是broker, real estate agents 用低价，rebate恶性竞争,客户精明无比恨不得让
: 人不挣钱似的。
: 其实大家都要养家户口，让agents挣点钱呗。a little bit more profit wins much
: better service. 大家开开心心。
|
o****o
发帖数: 15 | 17 如果人人都像您, 这个世界将会多么美好
to
【在 b**********u 的大作中提到】
: why? Just for couple of gram? I will not do that. I did re-fi and new loan
: both and did not ask for rebate at all. As long as I am satified with the
: service, I regard rebates as tips.
: I also notice you are suing that Chinese loan officer just because of the
: money. I feel very disturbed about this situation. $1000? WTF? I would go to
: McD and work part time to get $1000 earlier than court result.
: Is that necessary? Are not Chinese suppose to tolerate each other?
: Again, I wont do that.
: That is only me though.
|
C****A
发帖数: 1358 | 18 原来还可以这样的!
我还知道要自己花钱re-fi的.所以没有cost已经算不错了.我比较容易满足 |
w******l
发帖数: 463 | 19 can you be more informative and helpful than keeping all the tricks to
yourself?
so that new borrowers will know what are the correct questions to ask?
Do you have comments about LZ's calculation? Is it correct or any suggestion?
3x
【在 y****i 的大作中提到】
: there are still good and honest ones out there.
: all you need to do is to do your homework and ask the right questions.
: you don't ask, you don't get it, simple as that.
|
s**o
发帖数: 578 | 20 We seriously need to pay Yudeli's consultation fee:P
suggestion?
【在 w******l 的大作中提到】
: can you be more informative and helpful than keeping all the tricks to
: yourself?
: so that new borrowers will know what are the correct questions to ask?
: Do you have comments about LZ's calculation? Is it correct or any suggestion?
: 3x
|
|
|
d*e
发帖数: 999 | 21 他的大部分数字我不知道他是从何处得来的。也不知道他如何可以决定closing cost和
lender rebate是多少。
但我知道有一点是错的，origination fee 是给lender的，不是给broker。broker拿的
是commision，这个HUD上是有的。当然你可以说commision就出自origination fee.
suggestion?
【在 w******l 的大作中提到】
: can you be more informative and helpful than keeping all the tricks to
: yourself?
: so that new borrowers will know what are the correct questions to ask?
: Do you have comments about LZ's calculation? Is it correct or any suggestion?
: 3x
|
f*******e
发帖数: 4531 | 22 The question is whether there is an agreement that the lender rebate should
be given to you. If not, better find something else and enjoy your life. |
y**********n
发帖数: 79 | 23 最近的更新在下面。至少两位贷款中介已经看过我的算法，没有发表任何异议。我还是
强烈推荐华人中介，利息和效率总是最好的。
http://www.mitbbs.com/article_t/Living/32370077.html
brucebrucexu (ww)和Ogden (ogden)，你们肯定同意让这个世界更公平。否则诚实的贷
款中介反而相对赚钱少了。
对dfe (Equalizer)，我想说我把我的信任给了那位中介，结果被辜负了。当然在商言
商。我不怪他（她）。
在做Appraisal之前的口头协议确实是没问题的。 结果我的房子被Appraiser升值了，
银行风险小了，多给了我1000多（7425变8775）的Extra Credit。这钱是跟我的loan有
关的，
应该归我，和贷款中介没瓜葛。
市场上的wholesale loan rate 在下面的连接可以查。Retail Loan Rate 一般比它高0
.5%。这就是Lender Credit 的由来。然后又变身成Origination Fee被Lender和Broker
收了回去。
http://www.mtgprofessor.com/Wholesale%20Price%20Data/today%27s_
我看到文件显示绝大部分的origination fee由银行交给了中介。这钱包括Closing Fee
和Commission 。如果中介再拿Lender Rebate就是吃双份了。
最后，强烈建议你检查你的GFE和HUD看看你有没有拿到Lender Rebate。如果你没保存
那些文件，只好抱歉了。
建议sweetcoffee以后做贷款前多做功课。我做的晚了些。
建议huiqiang80 (gene)的买房贷款锁比市场利息高0.125%或0.25%的，这样拿Lender
Rebate （0.5%－1% of Loan）付Closing Cost。这样你将来Refinance就合算多了。
不然买房的Closing Cost在重贷时看就是打水漂了。 |
d*e
发帖数: 999 | 24 你是如何知道银行多给了你1000多块的credit的呢？是你估计出来的，还是有证据，如
果有证据，你是如何得来的呢?
If you can share, it helps a lot of people who are doing re-fi.
【在 y**********n 的大作中提到】
: 最近的更新在下面。至少两位贷款中介已经看过我的算法，没有发表任何异议。我还是
: 强烈推荐华人中介，利息和效率总是最好的。
: http://www.mitbbs.com/article_t/Living/32370077.html
: brucebrucexu (ww)和Ogden (ogden)，你们肯定同意让这个世界更公平。否则诚实的贷
: 款中介反而相对赚钱少了。
: 对dfe (Equalizer)，我想说我把我的信任给了那位中介，结果被辜负了。当然在商言
: 商。我不怪他（她）。
: 在做Appraisal之前的口头协议确实是没问题的。 结果我的房子被Appraiser升值了，
: 银行风险小了，多给了我1000多（7425变8775）的Extra Credit。这钱是跟我的loan有
: 关的，
|
y**********n
发帖数: 79 | 25 最普遍的情况是Refinance HUD里的Credit大于Origination Fee，这多出来的钱就是
Borrower的。这对每个人适用，除非你签字放弃了。
我的案例有点小众。锁利息时，中介和银行估计我的Loan to Value >75%，GFE里的
Credit是7425。结果我的房子被Appraiser升值了，loan to value 小于<75%。银行风
险小了，多给了我1000多（HUD里的Credit变8775）。这钱是跟我的loan有关的，应该
归我，和贷款中介没瓜葛。 |
d*e
发帖数: 999 | 26 If credit is the same as origination fee, who is paying the rest of closing
cost, i.e., title insurance, recording fee, appraisal fee?
If, as you said, origination fee is what is given to the broker, and the
lender fully credits to you, how does the broker make money? Am I missing
anything? |
y**********n
发帖数: 79 | 27 If credit is the same as origination fee, who is paying the rest of closing
cost, i.e., title insurance, recording fee, appraisal fee?
--- Credit is the source of fund for lender fee, closing cost, commission, (
and broker's little secrets) . In my case, origination fee was 7680. Most of
it was provided to broker by lender. Broker used it to cover a total of $ 2
,193 closing cost (i.e. Broker Rate to Borrower) to achieve zero cost.
If, as you said, origination fee is what is given to the broker, and the
lender fully credits to you, how does the broker make money? Am I missing
anything?
--- I think you have found out how brokers make money from the previous
section. |
c*******s
发帖数: 735 | 28 Exactly.
这种东西两个人提前说清楚不就行了，你要是觉得对方赚多了就是亏，下次换一个a
gent好了。想开点吧，就当lock以后rate降了。
我的broker这次跟我打招呼有1k rebate，我觉得不错。以前没有rebate的no cost，
我也觉得很好。
should
【在 f*******e 的大作中提到】
: The question is whether there is an agreement that the lender rebate should
: be given to you. If not, better find something else and enjoy your life.
|
y**********n
发帖数: 79 | 29 这不是“觉得对方赚多了就是亏”的问题。这钱的归属是法律性质问题。我把事情公布
出来的目的就是让大家都有机会拿到自己该拿的Lender Rebate.
还没有任何一位中介对我的算法有质疑，我也推荐了几位一直按我的算法办事的中介。
http://www.mitbbs.com/article_t/Living/32370077.html
这位中介从没提过这笔Extrat Credit，大咧咧地忽略了。我去沟通时，多次不接/回我
电话，在两天约好的日子放我鸽子。
我找这位中介做了3次贷款。在一次锁利息后的两个星期内利息跌了0.375%。我本来有
法律权利在Close 的时候Cancel我的loan，可我凭我的良心把loan做完了。我对得起这
位中介。 |
o*****p
发帖数: 5952 | 30 regardless, from our opinion, it is not worth to destroy 3 times refi loyal
borrower.
There is in deed 0.25% difference in LTV for 30 years fixed.
【在 y**********n 的大作中提到】
: 这不是“觉得对方赚多了就是亏”的问题。这钱的归属是法律性质问题。我把事情公布
: 出来的目的就是让大家都有机会拿到自己该拿的Lender Rebate.
: 还没有任何一位中介对我的算法有质疑，我也推荐了几位一直按我的算法办事的中介。
: http://www.mitbbs.com/article_t/Living/32370077.html
: 这位中介从没提过这笔Extrat Credit，大咧咧地忽略了。我去沟通时，多次不接/回我
: 电话，在两天约好的日子放我鸽子。
: 我找这位中介做了3次贷款。在一次锁利息后的两个星期内利息跌了0.375%。我本来有
: 法律权利在Close 的时候Cancel我的loan，可我凭我的良心把loan做完了。我对得起这
: 位中介。
|
|
|
e*****r
发帖数: 700 | 31 这笔钱就是银行退给Borrower的。有段时间non-cost和with cost refi的rate是一样的
。 因为rate在那段时间跌无可跌，相反银行可以把loan卖出一个好价钱，这个价差就
是银行返回给borrower的。银行charge你多少钱，broker charge你多少钱都是明确告
知的。这个broker就是非法侵占你的钱。 |
A**M
发帖数: 296 | 32 曝光一下吧？哪个中介敢这么干？
【在 y**********n 的大作中提到】
: 我们现在正通过法律途径在向一位经常来这个版面灌水找新客户的贷款中介要回超过$
: 1000的Lender Rebate。提醒大家查一下自己做Refinance的HUD文件，看有没有类似情
: 况（参见下面两个帖子）。
: 这位名字很亲切的中介好像还没有正大光明地讲清楚怎么给客户退钱做Zero Cost
: Refinance。所以给大家提个醒。
: http://www.mitbbs.com/article_t/Living/32370077.html
: http://www.mitbbs.com/article_t/Living/32369445.html
|
y**********n
发帖数: 79 | 33 鉴于事情尚未通过法律途径解决，我暂不打算披露那位中介的信息。
发这个帖子的最重要的目的是让大家都有机会拿到自己该拿的Lender Rebate。以下几
位加州的中介已经明确表态Lender Rebate归贷款人，大家可以多参考。如果别的加州
贷款中介有同样的做法，可以在这个帖子或别处申明一下。
blueangel2
onestop
panpandy(dypanpan)
rainhard
另外，大家可以看看这篇《福布斯》文章的最后一句话。
Investment Guide － Borrow Smart
http://www.forbes.com/forbes/2005/0606/140_2.html |
w******l
发帖数: 463 | 34 good to know. Thanks for sharing your experience and study.
I just went back checked my HUD, same thing happened.
When the agent promised no cost, he is actually using lender credit to cover
cost.
My understanding is actually this is using my point to pay cost. So it is a
refi I'm paying all the cost.
Is it correct?
【在 y**********n 的大作中提到】
: 鉴于事情尚未通过法律途径解决，我暂不打算披露那位中介的信息。
: 发这个帖子的最重要的目的是让大家都有机会拿到自己该拿的Lender Rebate。以下几
: 位加州的中介已经明确表态Lender Rebate归贷款人，大家可以多参考。如果别的加州
: 贷款中介有同样的做法，可以在这个帖子或别处申明一下。
: blueangel2
: onestop
: panpandy(dypanpan)
: rainhard
: 另外，大家可以看看这篇《福布斯》文章的最后一句话。
: Investment Guide － Borrow Smart
|
s******t
发帖数: 12883 | 35 佩服楼主的细心和钻研精神。
我以前也没有注意到这个， 也是被broker额外收了去了。
【在 y**********n 的大作中提到】
: 我们现在正通过法律途径在向一位经常来这个版面灌水找新客户的贷款中介要回超过$
: 1000的Lender Rebate。提醒大家查一下自己做Refinance的HUD文件，看有没有类似情
: 况（参见下面两个帖子）。
: 这位名字很亲切的中介好像还没有正大光明地讲清楚怎么给客户退钱做Zero Cost
: Refinance。所以给大家提个醒。
: http://www.mitbbs.com/article_t/Living/32370077.html
: http://www.mitbbs.com/article_t/Living/32369445.html
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c*******y
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y**********n
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