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Urgent! Rate locked and loan approval confirmation letter

Urgent! Rate locked and loan approval confirmation letter# Living

R*t2010-12-10 08:12

1 楼

I was wondering if we need to receive the Rate locked and loan approval
confirmation letter before we can
remove the loan contingency.
Right now I only have an one-sentence email from my loan agent that the rate
was locked. When I requested
the loan approval letter, loan agent emailed that may doc has been drawn and
they are waiting for lender's
approval for signing since lender need to review the escrow document before
we sign. She said it's ok for us to
remove contingency and could keep her email as record.
We are the first home buyer, no loan experience at all. I was wondering if
this sounds ok and normal.
Thanks a lot!

c*e2010-12-10 08:12

2 楼

她的email, 根本不能证明你的rate已经lock了，不过权且相信她吧，因为某些原因她不给你银行的那份copy，你也没办法
我们也是要求lock rate之后email追问了两三天， agent也是email保证而已，好在最后证明她说到做到了。
你们的loan还没被approved. 不要remove contingency, 如果真的如她说的已经都给
underwriter review的话， approve是两三天的事，就怕还没到这一步

c*e2010-12-10 08:12

3 楼

据说经常agent先用低rate把你套住，然后等rate掉下来，他就多赚钱， rate涨上去
，就说没lock住

rate
and
before

【在 R******t 的大作中提到】

: I was wondering if we need to receive the Rate locked and loan approval
: confirmation letter before we can
: remove the loan contingency.
: Right now I only have an one-sentence email from my loan agent that the rate
: was locked. When I requested
: the loan approval letter, loan agent emailed that may doc has been drawn and
: they are waiting for lender's
: approval for signing since lender need to review the escrow document before
: we sign. She said it's ok for us to
: remove contingency and could keep her email as record.

R*t2010-12-10 08:12

4 楼

The agent did email us saying the loan is fully approved and said we can use
her email as record. She is just asking for lender's approval for signing.
I think "approval of signing" is different than "loan approval".
Thanks for sharing your experience.

N*D2010-12-10 08:12

5 楼

如果是银行自己的贷款人员，电子邮件就够了。

c*e2010-12-10 08:12

6 楼

nod, if you trust the agent, you can remove the loan contingency.

【在 N**D 的大作中提到】

: 如果是银行自己的贷款人员，电子邮件就够了。

l*g2010-12-10 08:12

7 楼

唉，这就是我的情况啊。这两天rate涨了告诉我没lock住。不知道他究竟lock了没。。

【在 c****e 的大作中提到】

: 据说经常agent先用低rate把你套住，然后等rate掉下来，他就多赚钱， rate涨上去
: ，就说没lock住
:
: rate
: and
: before

l*n2010-12-10 08:12

8 楼

Anybody knows how long it takes to get the approval letter after locked?

【在 c****e 的大作中提到】

: 据说经常agent先用低rate把你套住，然后等rate掉下来，他就多赚钱， rate涨上去
: ，就说没lock住
:
: rate
: and
: before

l*o2010-12-10 08:12

9 楼

approval一定要先lock rate么？

【在 l*****n 的大作中提到】

: Anybody knows how long it takes to get the approval letter after locked?

l*n2010-12-10 08:12

10 楼

you want to lock the low rate and get confirmed, right? I mean after the
broker tells you that he has locked, generally how long it takes for you to
get confirmed.

【在 l*****o 的大作中提到】

: approval一定要先lock rate么？

c*e2010-12-10 08:12

11 楼

你如果有他之前告诉你lock的email，是不是可以找他麻烦？
我的impression是他们想lock立刻就可以lock的 ...

【在 l*****g 的大作中提到】

: 唉，这就是我的情况啊。这两天rate涨了告诉我没lock住。不知道他究竟lock了没。。