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Closing Cost from ING Direct, reasonable or not?
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Closing Cost from ING Direct, reasonable or not?# Living
b*r
1 楼
Easy Orange from ING Direct is a 5-year fixed mortgage,
Loan Amount:$150,000
Rate:3.250%
The closing cost is $6,393.36, but ING Direct is giving up to $1,000 off the
closing costs, so the final cost will be less than $6393.36.
Attached is the breakdown of the closing cost, would you please let me know
which items are not reasonable?
Thanks in advance!
avatar
d*2
2 楼
very cheap

the
know

【在 b********r 的大作中提到】
: Easy Orange from ING Direct is a 5-year fixed mortgage,
: Loan Amount:$150,000
: Rate:3.250%
: The closing cost is $6,393.36, but ING Direct is giving up to $1,000 off the
: closing costs, so the final cost will be less than $6393.36.
: Attached is the breakdown of the closing cost, would you please let me know
: which items are not reasonable?
: Thanks in advance!
avatar
w*7
3 楼
我弄了个3.5%
no closing costs不知道哪个划算？

the
know

【在 b********r 的大作中提到】
: Easy Orange from ING Direct is a 5-year fixed mortgage,
: Loan Amount:$150,000
: Rate:3.250%
: The closing cost is $6,393.36, but ING Direct is giving up to $1,000 off the
: closing costs, so the final cost will be less than $6393.36.
: Attached is the breakdown of the closing cost, would you please let me know
: which items are not reasonable?
: Thanks in advance!
avatar
d*2
4 楼
urs

【在 w**7 的大作中提到】
: 我弄了个3.5%
: no closing costs不知道哪个划算？
:
: the
: know
avatar
k*a
5 楼
where u 弄 from?

【在 w**7 的大作中提到】
: 我弄了个3.5%
: no closing costs不知道哪个划算？
:
: the
: know
avatar
w*7
6 楼
wells fargo bank

【在 k*****a 的大作中提到】
: where u 弄 from?
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t*j
7 楼
Haha...大银行吗， 多交点。
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a*i
8 楼
这个transfer tax一般是seller交的不？

the
know

【在 b********r 的大作中提到】
: Easy Orange from ING Direct is a 5-year fixed mortgage,
: Loan Amount:$150,000
: Rate:3.250%
: The closing cost is $6,393.36, but ING Direct is giving up to $1,000 off the
: closing costs, so the final cost will be less than $6393.36.
: Attached is the breakdown of the closing cost, would you please let me know
: which items are not reasonable?
: Thanks in advance!
avatar
d*n
9 楼
ING的费用差不多就是这样的。对于ING的settlement fee 要$800，没啥概念，因为以前跟ING做的loan都不是让ING settle的。
不知LZ在哪个州，对于15万的贷款来说，这个owner's title insurance不便宜。
avatar
b*r
10 楼
这个好像各个州的规定不一样, 股沟你所在州的规定.

【在 a****i 的大作中提到】
: 这个transfer tax一般是seller交的不？
:
: the
: know
avatar
p*5
11 楼
does any one have a newer experience with ING?

the
know

【在 b********r 的大作中提到】
: Easy Orange from ING Direct is a 5-year fixed mortgage,
: Loan Amount:$150,000
: Rate:3.250%
: The closing cost is $6,393.36, but ING Direct is giving up to $1,000 off the
: closing costs, so the final cost will be less than $6393.36.
: Attached is the breakdown of the closing cost, would you please let me know
: which items are not reasonable?
: Thanks in advance!
avatar
c*7
12 楼
这是new buyer还是refinance？
如果是refinance,不清楚这个transfer tax还有government record fee为什么要收？

the
know

【在 b********r 的大作中提到】
: Easy Orange from ING Direct is a 5-year fixed mortgage,
: Loan Amount:$150,000
: Rate:3.250%
: The closing cost is $6,393.36, but ING Direct is giving up to $1,000 off the
: closing costs, so the final cost will be less than $6393.36.
: Attached is the breakdown of the closing cost, would you please let me know
: which items are not reasonable?
: Thanks in advance!
avatar
y*n
13 楼
5-years fix? Closing cost真很贵啊
avatar
c*e
14 楼
Settlement Fee $800对一个$150K的贷款而言，如果是购房贷款还算合理，如果是重新
贷款，贵了！
另外那个Owner's Title Insurance不是optional的吗？把这一项减去，如果transfer
tax再由卖方出的话，再加上$1,000的rebate，利率又好的话，是个很不错的deal。

the
know

【在 b********r 的大作中提到】
: Easy Orange from ING Direct is a 5-year fixed mortgage,
: Loan Amount:$150,000
: Rate:3.250%
: The closing cost is $6,393.36, but ING Direct is giving up to $1,000 off the
: closing costs, so the final cost will be less than $6393.36.
: Attached is the breakdown of the closing cost, would you please let me know
: which items are not reasonable?
: Thanks in advance!
avatar
m*d
15 楼
对于这个ING easy orange，是不是到5年后，要一次性付清剩余balance？
象楼主的情况，Biweek付$327，5年后，需要一次付出大约十二万 payoff？
也在找适合的mortgage，对此不是很了解。 谢谢！
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M*I
16 楼
一般都可以在这5年之内的任意时间段renew，就是用当时的利率重拿一个5年fix。
费用是2个payment。 楼主的情况就是$654.除了你不按时还款，我还不知道有其它情况
不给renew的。刚打了电话renew我的贷款，现在利率是2.75.我自己给自己做贷款都拿
不到这个利率。
avatar
b*2
17 楼
government record fee是要收的，不管是new purchase还是refinance.

【在 c*******7 的大作中提到】
: 这是new buyer还是refinance？
: 如果是refinance,不清楚这个transfer tax还有government record fee为什么要收？
:
: the
: know
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