c********6
发帖数: 22 | 1 各位大牛，loan之前跟我说closing fee只有几百刀，现在告诉我大概要2W多刀的
closing fee。求大家看下，这个是否很离谱？sanjose的房子，贷款七十多万，rate是
3。多谢！
UD Line # Description Amount
801 Loan Origination Fee $3,752.00
802 General Lender Credit ($3,752.00)
804 Appraisal Fee $475.00
805 Credit Report $40.00
806 Tax Service Fee $94.00
807 Flood Certification $9.50
901 Prepaid Interest $1,813.47
903 Prepaid Hazard Insurance $2,400.00
1002 Hazard Insurance Reserve $400.00
1004 Tax Reserve $1,900.00
1007 Aggregate Adjustment $3,450.00
1102 Closing/Escrow Fee $1,620.00
1103 Owner's Title Insurance $2,220.00
1104 Lender's Title Insurance $781.00
1201 Recording Fees $118.00
1204 City/County Tax Stamps $4,127.20
Prepaid Charges
$9,963.47
Non-Prepaid Charges
$9,484.70
Cost for Borrower to Close:
$19,448.17 | c********6
发帖数: 22 | 2 我们选择的property tax 和 insurance 是自己交的，没有选impound的那种。 | b********1
发帖数: 1299 | 3 您这个还是有impound account吧， 不然tax reserve和insurance reserve是什么？
aggregate adjustment 怎么这么高？
您这个贷款没有cover任何cost。 下次还是找个靠谱的agent吧。
【在 c********6 的大作中提到】
: 各位大牛，loan之前跟我说closing fee只有几百刀，现在告诉我大概要2W多刀的
: closing fee。求大家看下，这个是否很离谱？sanjose的房子，贷款七十多万，rate是
: 3。多谢！
: UD Line # Description Amount
: 801 Loan Origination Fee $3,752.00
: 802 General Lender Credit ($3,752.00)
: 804 Appraisal Fee $475.00
: 805 Credit Report $40.00
: 806 Tax Service Fee $94.00
: 807 Flood Certification $9.50
| c********6
发帖数: 22 | 4 请问下：aggregate adjustment 是交给银行的费用么？还是说暂时reserve在银行里，
还是自己的钱。
谢谢 |
|
