找南加的房贷中介问问题。 - 未名空间MITBBS历史存档

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找南加的房贷中介问问题。

找南加的房贷中介问问题。# Living

w*z2012-11-03 07:11

1 楼

coupon 换S家奶票或者S家coupon
我手头的coupon有
babiesrus:
$7 off for both huggies value box diapers and huggies
$10 giftcard when buy any 2 pampers value boxes
kroger:
two E家Nutramigen $10 off
buybuybaby:
three 5 off 15
其他可以任何店用的coupon:
free beech-nut cereal
free 2 beech nut jars
two buy 2 23.2 similac advanced get one box ready to feed similac
advance
$2 off luvs diapers
two $2 off papers value box
我也不知道怎么换，想要以上coupon的姐妹如果有不用的未过期的奶票，你告诉我你想
怎么换吧，或者我也可以半价加邮费和你买

y*n2012-11-03 07:11

2 楼

我想找个好的南加的房贷中介。请用No Cost Refinance(No Point, No Fee)的算法，
算一下最终从Loan Broker应该得到的退款，连同你的联系方法PM我。谢谢。
New Loan 540000
Ernest Money to Close 7853.59
Lender Rebate (Credit 8775 - Orign. Fee 7680) 1095
Appraisal Fee 420
Notary 100

Title Charge - Title Charge Fee -875
Title Charge - Sub-Escrow Fee -25
Title Charge - Wire/Express Fee by Escrow -30
Title Charge - Messenger Fee -6
Title Charge - Recording Fee -67

Escow Charge - Messenger Fee -80
Escow Charge - Escrow Fee -400

New Lender - Interest -892.5
New Lender - Tax Service -80
New Lender - Tax Service -12

Old Lender Loan Paid Off - Principle -541182.76
Old Lender - Recording Fee -18
Old Lender - Reconveynance Fee -45
Old Lender - Interest -1439
Old Lender - Wire Fee -15

Property Tax -1639.69

Returned from Escrow -2140.67

o*p2012-11-03 07:11

3 楼

我们在南加, 已经把联系方法PM你啦,谢谢.

y*n2012-11-03 07:11

4 楼

更新：包含了正确从Loan Broker 那会拿回自己的钱的算法。No Point No Fee (No
Closing Cost) Loan
New Loan 540000
Ernest Money to Close 7853.59
Lender Rebate (Credit $8,775 - Origination Fee$7,680) = $ 1095 注意底下的注
解。
Old Lender Loan Paid Off - Principle -541182.76
Property Tax -1639.69
Returned from Escrow -2140.67
Old Lender - Interest -1439
New Lender - Interest -892.5
--------------------------------------------------------------------
以下费用的总和就是Loan Broker 应该还给Borrower的钱（Broker Rebate ）来实现
zero Cost 。
Appraisal Fee - 420
Notary -100

Title Charge - Title Charge Fee -875
Title Charge - Sub-Escrow Fee -25
Title Charge - Wire/Express Fee by Escrow -30
Title Charge - Messenger Fee -6
Title Charge - Recording Fee -67

Escow Charge - Messenger Fee -80
Escow Charge - Escrow Fee -400

New Lender - Tax Service -80
New Lender - Tax Service -12

Old Lender - Recording Fee -18
Old Lender - Reconveynance Fee -45
Old Lender - Wire Fee -15

＝＝＝＝》 Total Closing Cost $ 2,193. 《＝＝＝应该还给Borrower的钱.
--------------------------------------
注解： Lender Credit $ 8,875是New Lender 在债券市场上买到的Whole Sale Loan
和贷给Borrower 的Retail Loan 之间的差价。这是用来Cover Refinance 里 Closing
Cost 的（所以对Borrower 来说看起来是No Cost）。这其中的$7680 Origination
Fee 是付给Loan Broker 用来cover Lender 估计的Closing Cost （各种杂费）。剩
下的 $ 1095 是Lender 还给Borrower 的Rebate ，是Borrower的钱。Escrow 公司会
把这笔钱用来支付Closing Cost。但Lender应该把这$1095当作Borrower 的Cost ，并
在退Broker Rebate 时还给Borrower 。
小心有些Loan Broker 在拿了那$7680 的Origination Fee，又把$1095的Lender
Rebate 划进他/她的钱包。
如果你的Loan-to-Value Ratio （L/V）在锁利息时是>75%, 而Appraisal之后变成<75%
, 你可以从Lender那里拿到更多的Credit (一般是Loan 的0.25%－0.5% )。如果
Appraisal之前你是 No Cost Refinancing, Appraisal 之后你就可以拿回一笔钱了。