S*a
2 楼
I closed my refinance on 10/9 (friday). The title company collected 7 days
additional per diem interests for unexpected issues. Now, everything has
been settled down, but I only received 3 day per diem interests back from
the original banker as refund instead of 7 days. Is this normal?
additional per diem interests for unexpected issues. Now, everything has
been settled down, but I only received 3 day per diem interests back from
the original banker as refund instead of 7 days. Is this normal?
i*n
3 楼
不用，除非有需要申报的东西
【在 t****e 的大作中提到】
: 甚么都没有带也要填吗？
【在 t****e 的大作中提到】
: 甚么都没有带也要填吗？
g*s
4 楼
normal. There are some overlap between two banks. 4 days are ok.
days
【在 S******a 的大作中提到】
: I closed my refinance on 10/9 (friday). The title company collected 7 days
: additional per diem interests for unexpected issues. Now, everything has
: been settled down, but I only received 3 day per diem interests back from
: the original banker as refund instead of 7 days. Is this normal?
days
【在 S******a 的大作中提到】
: I closed my refinance on 10/9 (friday). The title company collected 7 days
: additional per diem interests for unexpected issues. Now, everything has
: been settled down, but I only received 3 day per diem interests back from
: the original banker as refund instead of 7 days. Is this normal?
s*d
5 楼
Possible.
Your previous bank probably received the fund on Tuesday(Monday is Columbus
day?). Which means you are paying double interest for 4 days.
Your previous bank probably received the fund on Tuesday(Monday is Columbus
day?). Which means you are paying double interest for 4 days.
S*a
6 楼
I see. NND, I am actually doing refinance with the same bank. They should
complete the work much more quickly... Then does this mean we should not
close refinance on Friday? - if we do so, we will definitely pay Saturday
and Sunday interests... :(
【在 g*****s 的大作中提到】
: normal. There are some overlap between two banks. 4 days are ok.
:
: days
complete the work much more quickly... Then does this mean we should not
close refinance on Friday? - if we do so, we will definitely pay Saturday
and Sunday interests... :(
【在 g*****s 的大作中提到】
: normal. There are some overlap between two banks. 4 days are ok.
:
: days
b*3
7 楼
No way!!!
There should be no more interests collected since your closing date is
confirmed..
There should be no more interests collected since your closing date is
confirmed..
S*a
8 楼
My closing data was 10/09, but on the confirmation letter they sent to me,
they said the loan was paid off on 10/13 instead of 10/09. My new loan
start charging me interests on 10/09, so two loans have an overlap with 4
days... :( Does this mean we should not close a refinance on Friday?
Thanks.
【在 b********3 的大作中提到】
: No way!!!
: There should be no more interests collected since your closing date is
: confirmed..
they said the loan was paid off on 10/13 instead of 10/09. My new loan
start charging me interests on 10/09, so two loans have an overlap with 4
days... :( Does this mean we should not close a refinance on Friday?
Thanks.
【在 b********3 的大作中提到】
: No way!!!
: There should be no more interests collected since your closing date is
: confirmed..
g*s
9 楼
You got it.
【在 S******a 的大作中提到】
: My closing data was 10/09, but on the confirmation letter they sent to me,
: they said the loan was paid off on 10/13 instead of 10/09. My new loan
: start charging me interests on 10/09, so two loans have an overlap with 4
: days... :( Does this mean we should not close a refinance on Friday?
: Thanks.
【在 S******a 的大作中提到】
: My closing data was 10/09, but on the confirmation letter they sent to me,
: they said the loan was paid off on 10/13 instead of 10/09. My new loan
: start charging me interests on 10/09, so two loans have an overlap with 4
: days... :( Does this mean we should not close a refinance on Friday?
: Thanks.
S*a
10 楼
S*a
11 楼
I talked to the title company and the bank and studied this a bit more. Now
I see the problem - the original bank charged me 4 more days per diem
interest because they received the fund 4 days after the closing (there are
3 day rescission period after the closing), so it did correctly.
However, the new lender started charging me interest right from the closing
date, instead of the funding day (at least 3 days after the closing). They
claimed that they sent out money to the title company right
I see the problem - the original bank charged me 4 more days per diem
interest because they received the fund 4 days after the closing (there are
3 day rescission period after the closing), so it did correctly.
However, the new lender started charging me interest right from the closing
date, instead of the funding day (at least 3 days after the closing). They
claimed that they sent out money to the title company right
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