o******o
发帖数: 10 | |
s****g
发帖数: 1028 | 2 There is no such thing as no cost, you are paying it one way or the other.
I assume you mean no closing cost, 经纪人 does not work for free, they have
to make some money one way or another, you end up paying for it in one way
or another. But some are willing to take a smaller cut than other.
【在 o******o 的大作中提到】
: 谢谢
|
S*********g
发帖数: 5298 | 3 吹毛求疵了
have
【在 s****g 的大作中提到】
: There is no such thing as no cost, you are paying it one way or the other.
: I assume you mean no closing cost, 经纪人 does not work for free, they have
: to make some money one way or another, you end up paying for it in one way
: or another. But some are willing to take a smaller cut than other.
|
s****g
发帖数: 1028 | 4 No really, I am good friends with at least 3 房贷经纪人 and knows what goes
on behind the curtains so to speak.
【在 S*********g 的大作中提到】
: 吹毛求疵了
:
: have
|
o******o
发帖数: 10 | 5 You are righ. I meant no closing cost!
I understand that agent will make some money whether from the borrower or
the banks through commissions. Bank may come back to charge more interest
rate to get their commissions back. I guess it is up to the borrower to
figure out which option makes more sense for himself.
Do your mortgage friends offer no-closing cost no fee refiance?
Thanks! |
s****g
发帖数: 1028 | 6 Of course they all do, if you need contact info, you can pm me.
【在 o******o 的大作中提到】
: You are righ. I meant no closing cost!
: I understand that agent will make some money whether from the borrower or
: the banks through commissions. Bank may come back to charge more interest
: rate to get their commissions back. I guess it is up to the borrower to
: figure out which option makes more sense for himself.
: Do your mortgage friends offer no-closing cost no fee refiance?
: Thanks!
|
m*******r
发帖数: 8950 | 7 Typically, loan officer will increase rate 0.125% more to compensate the
cost of "no closing cost".
【在 o******o 的大作中提到】
: You are righ. I meant no closing cost!
: I understand that agent will make some money whether from the borrower or
: the banks through commissions. Bank may come back to charge more interest
: rate to get their commissions back. I guess it is up to the borrower to
: figure out which option makes more sense for himself.
: Do your mortgage friends offer no-closing cost no fee refiance?
: Thanks!
|
s****g
发帖数: 1028 | 8 Typical refi closing cost for VA is around $3500, depending on loan size,
they will need to increase enough rate to cover that cost. So if you plan to
stay in the house long term and not do another refi in the future, it is
better to pay for the closing cost yourself to get better rate.
【在 m*******r 的大作中提到】
: Typically, loan officer will increase rate 0.125% more to compensate the
: cost of "no closing cost".
|
m*******r
发帖数: 8950 | 9 Yes, you are right. If the loan amount is small, loan officer will increase
rate more to compensate the cost.
Are you sure the current rate will be lowest one in 5-10 years? If you are
not sure, go for the no cost one.
to
【在 s****g 的大作中提到】
: Typical refi closing cost for VA is around $3500, depending on loan size,
: they will need to increase enough rate to cover that cost. So if you plan to
: stay in the house long term and not do another refi in the future, it is
: better to pay for the closing cost yourself to get better rate.
|
