n*w
2 楼
There is an existing home that I am interested in and it has been in short
sale for a while but will go foreclosure early June. Could you please help
me with the following questions? Thanks a lot.
1. Do I need to submit a loan application to do the appraisal?
2. Do I need a signed contract to submit a loan application?
3. Can I submit a loan application without a signed contract? In this way, I
can have the appraisal done, the appraisal should help me justify the offer
that I am going to make, and securing the loan will help me get the short
sale offer approved in such a short time left.
sale for a while but will go foreclosure early June. Could you please help
me with the following questions? Thanks a lot.
1. Do I need to submit a loan application to do the appraisal?
2. Do I need a signed contract to submit a loan application?
3. Can I submit a loan application without a signed contract? In this way, I
can have the appraisal done, the appraisal should help me justify the offer
that I am going to make, and securing the loan will help me get the short
sale offer approved in such a short time left.
d*8
3 楼
同问，为什么问律师事务所。问办理这事的政府部门不是更准确么？
【在 m***o 的大作中提到】
: 像relink PD一样，没有相关法律条款，最后是个USCIS的备忘录明确了操作细节。
【在 m***o 的大作中提到】
: 像relink PD一样，没有相关法律条款，最后是个USCIS的备忘录明确了操作细节。
h*b
4 楼
1. no. as long as owner gives you access to the prop to do it.
2. yes, lender can't underwrite your file unless you have a prop under
contract. the prop is being used as collateral for the loan/mortgage
3. no. same reason as in #2.
if you're trying to gauge the value of the prop, you can get an est using "
comps"--similar prop in close proximity that was sold in the past 3 mo.
tract homes should be fairly easy to get a comp. appraiser uses the same
approach on such prop.
for loan, you can get a pre-approval letter w/ income, credit, down pay info
. you'll know exactly your borrowing capacity. :p
欢迎访问＂言之有屋＂Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles.html
http://www.mitbbs.com/pc/index/hkmbb
I
offer
【在 n**w 的大作中提到】
: There is an existing home that I am interested in and it has been in short
: sale for a while but will go foreclosure early June. Could you please help
: me with the following questions? Thanks a lot.
: 1. Do I need to submit a loan application to do the appraisal?
: 2. Do I need a signed contract to submit a loan application?
: 3. Can I submit a loan application without a signed contract? In this way, I
: can have the appraisal done, the appraisal should help me justify the offer
: that I am going to make, and securing the loan will help me get the short
: sale offer approved in such a short time left.
2. yes, lender can't underwrite your file unless you have a prop under
contract. the prop is being used as collateral for the loan/mortgage
3. no. same reason as in #2.
if you're trying to gauge the value of the prop, you can get an est using "
comps"--similar prop in close proximity that was sold in the past 3 mo.
tract homes should be fairly easy to get a comp. appraiser uses the same
approach on such prop.
for loan, you can get a pre-approval letter w/ income, credit, down pay info
. you'll know exactly your borrowing capacity. :p
欢迎访问＂言之有屋＂Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles.html
http://www.mitbbs.com/pc/index/hkmbb
I
offer
【在 n**w 的大作中提到】
: There is an existing home that I am interested in and it has been in short
: sale for a while but will go foreclosure early June. Could you please help
: me with the following questions? Thanks a lot.
: 1. Do I need to submit a loan application to do the appraisal?
: 2. Do I need a signed contract to submit a loan application?
: 3. Can I submit a loan application without a signed contract? In this way, I
: can have the appraisal done, the appraisal should help me justify the offer
: that I am going to make, and securing the loan will help me get the short
: sale offer approved in such a short time left.
f*u
5 楼
先前有人已经问过USCIS的高级官员了，但对他们的答复不满意。
【在 d*****8 的大作中提到】
: 同问，为什么问律师事务所。问办理这事的政府部门不是更准确么？
【在 d*****8 的大作中提到】
: 同问，为什么问律师事务所。问办理这事的政府部门不是更准确么？
n*w
6 楼
Hi hkmbb,
You are good and I like your club link and your blog.
Thank you.
You are good and I like your club link and your blog.
Thank you.
d*8
7 楼
是老赫的看样子USCIS行动比较迟缓，七年半过去了还没有定论帖子吗？
【在 f**u 的大作中提到】
: 先前有人已经问过USCIS的高级官员了，但对他们的答复不满意。
【在 f**u 的大作中提到】
: 先前有人已经问过USCIS的高级官员了，但对他们的答复不满意。
b*d
8 楼
不用着急，银行要等到offer被接受了以后才能处理贷款申请。
I
offer
【在 n**w 的大作中提到】
: There is an existing home that I am interested in and it has been in short
: sale for a while but will go foreclosure early June. Could you please help
: me with the following questions? Thanks a lot.
: 1. Do I need to submit a loan application to do the appraisal?
: 2. Do I need a signed contract to submit a loan application?
: 3. Can I submit a loan application without a signed contract? In this way, I
: can have the appraisal done, the appraisal should help me justify the offer
: that I am going to make, and securing the loan will help me get the short
: sale offer approved in such a short time left.
I
offer
【在 n**w 的大作中提到】
: There is an existing home that I am interested in and it has been in short
: sale for a while but will go foreclosure early June. Could you please help
: me with the following questions? Thanks a lot.
: 1. Do I need to submit a loan application to do the appraisal?
: 2. Do I need a signed contract to submit a loan application?
: 3. Can I submit a loan application without a signed contract? In this way, I
: can have the appraisal done, the appraisal should help me justify the offer
: that I am going to make, and securing the loan will help me get the short
: sale offer approved in such a short time left.
f*u
9 楼
这几天的故事真是高潮迭起。
http://www.mitbbs.com/clubarticle_t/EB23_Policy_News_and_Rumors
【在 d*****8 的大作中提到】
: 是老赫的看样子USCIS行动比较迟缓，七年半过去了还没有定论帖子吗？
http://www.mitbbs.com/clubarticle_t/EB23_Policy_News_and_Rumors
【在 d*****8 的大作中提到】
: 是老赫的看样子USCIS行动比较迟缓，七年半过去了还没有定论帖子吗？
h*b
10 楼
thank you. pls feel free to comment... :p
【在 n**w 的大作中提到】
: Hi hkmbb,
: You are good and I like your club link and your blog.
: Thank you.
【在 n**w 的大作中提到】
: Hi hkmbb,
: You are good and I like your club link and your blog.
: Thank you.
d*n
11 楼
买房申请贷款的话，一定是需要有signed contract才可以开始的。如果没有signed
contract，就算想submit application都没人要。房屋抵押贷款呀，没有房是没办法做
的。
希望了解一下房屋的value，可以上zillow查一下附近sold的类似房屋的价格。不过，
一旦有short sale或foreclosure，附近的房价都会相应下跌。基本是short sale，
appraisal value也不会比purchase price高很多的。
我觉得zillow的估价参考意义不大，不过，成交价都是真的，可供参考。
contract，就算想submit application都没人要。房屋抵押贷款呀，没有房是没办法做
的。
希望了解一下房屋的value，可以上zillow查一下附近sold的类似房屋的价格。不过，
一旦有short sale或foreclosure，附近的房价都会相应下跌。基本是short sale，
appraisal value也不会比purchase price高很多的。
我觉得zillow的估价参考意义不大，不过，成交价都是真的，可供参考。
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