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犹豫中。。。。。。。

犹豫中。。。。。。。# Living

c*92010-07-14 07:07

1 楼

犹豫中。。。。。。。
We bought a house last month, but the closing date is 08/25/2010. We got a
mortgage offer three weeks ago, 15 years fixed 3.875, closing fee $3100. I
asked rate locked. We signed loan contract on 06/30 and gave her $350
appraisal fee.
After review the documents, I found that the rate will be expired on 08/05.
The agent said that it is 45 days away when I locked the rate. So now we are
waiting for the lower rate again to extend the 3.875% without fee. But I
remember I clearly told her

D*a2010-07-14 07:07

2 楼

you think too much, man

c*92010-07-14 07:07

3 楼

Can you help me clearly?
Go to the second offer, right? It means I will give up my $350 appraisal fee
to the first one.

【在 D******a 的大作中提到】

: you think too much, man

p*a2010-07-14 07:07

4 楼

$350 is nothing

b*d2010-07-14 07:07

5 楼

如果你的第一个Lock Rate Period不能Cover 8/25,那就没有用了,现在的Extension可
贵了，尤其是你要Extend 20天。
现在应该马上和第二个Broker做，确保你的时间够用，Loan能够做的下来。

.
are

【在 c*****9 的大作中提到】

: 犹豫中。。。。。。。
: We bought a house last month, but the closing date is 08/25/2010. We got a
: mortgage offer three weeks ago, 15 years fixed 3.875, closing fee $3100. I
: asked rate locked. We signed loan contract on 06/30 and gave her $350
: appraisal fee.
: After review the documents, I found that the rate will be expired on 08/05.
: The agent said that it is 45 days away when I locked the rate. So now we are
: waiting for the lower rate again to extend the 3.875% without fee. But I
: remember I clearly told her

c*92010-07-14 07:07

6 楼

Thank you very much!
I am negotiate with current lender to extend it without fee.
Is there any one in CT can do 26.5W 15 years fixed loand for me?

【在 b*d 的大作中提到】

: 如果你的第一个Lock Rate Period不能Cover 8/25,那就没有用了,现在的Extension可
: 贵了，尤其是你要Extend 20天。
: 现在应该马上和第二个Broker做，确保你的时间够用，Loan能够做的下来。
:
: .
: are

c*y2010-07-14 07:07

7 楼

here are some cases which may happen.
1, your loan broker would use his/her commission to cover your rate lock
extension fee until your closing date 8/25，
2, he/she has good contract deal with the bank, who offers loan broker once
free extension on loan lock.
3, your loan has CTC before 8/5, you can close it on 8/5 without extension.
all of those cases are often happened in mortgage industry.
you never know that.

c*92010-07-14 07:07

8 楼

"your loan has CTC before 8/5, you can close it on 8/5 without extension."
Does it mean that the loan is closed on 08/05, while we pay it from 08/25?
Thanks!

once
.

【在 c*******y 的大作中提到】

: here are some cases which may happen.
: 1, your loan broker would use his/her commission to cover your rate lock
: extension fee until your closing date 8/25，
: 2, he/she has good contract deal with the bank, who offers loan broker once
: free extension on loan lock.
: 3, your loan has CTC before 8/5, you can close it on 8/5 without extension.
: all of those cases are often happened in mortgage industry.
: you never know that.

c*y2010-07-14 07:07

9 楼

of course not, your mortgage starts on your closing date. if you closed it
on 8/5, your interest will be calculated starting on 8/5, whenever contract
closing date is.
if the closing is on 8/5, you can ask for 5 days credits, then pay your 1st
mortgage payment on 9/1.
if the closing is on 8/25, you will be charged 5 days interests as debits on
HUD1, then pay your 1st mrotgage on 10/1.
ask your loan officer for mortgage payment details.

【在 c*****9 的大作中提到】

: "your loan has CTC before 8/5, you can close it on 8/5 without extension."
: Does it mean that the loan is closed on 08/05, while we pay it from 08/25?
: Thanks!
:
: once
: .