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refinance中遇到的问题，搞晕了，求指点

refinance中遇到的问题，搞晕了，求指点# Living

j*h2013-01-09 08:01

1 楼

今天本来要lock rate的，结果在Fee Agreement上搞糊涂以下是其中的内容
Fore services rendered as a mortgage broker, the undersigned agrees to pay
XXX an application fee in the amount of 0$; an administration of commitment
fee depending on the geographic location of the subject property, in the
amount of $0, plus $0% of the gross funds borrowed. Lender Credit of 1.125%
towards closing costs based on loan amount.
在之前的GFE中第一栏 Your Adjusted Origination Charges中
1. Our origination charge, 大约是2%
2. You receive a credit of 2.6% for the interest of X%.
A. Your adjusted Origination Charges 0.6%
这里数目对不上啊，问broker他又说不清楚。
咋回事这是？
请DX指点迷津

b*22013-01-09 08:01

2 楼

GFE因为有estimation, 多半是有水分的, 这个正常.
但是broker不知道自己做的事情这是不应该的. 至少应该知道lock的rate和lender
rebate够不够cover closing cost.

b*d2013-01-09 08:01

3 楼

不用管GFE上面是怎么写的，看最后的closing statement，上面没有付closing cost就
好了。

commitment
%

【在 j******h 的大作中提到】

: 今天本来要lock rate的，结果在Fee Agreement上搞糊涂以下是其中的内容
: Fore services rendered as a mortgage broker, the undersigned agrees to pay
: XXX an application fee in the amount of 0$; an administration of commitment
: fee depending on the geographic location of the subject property, in the
: amount of $0, plus $0% of the gross funds borrowed. Lender Credit of 1.125%
: towards closing costs based on loan amount.
: 在之前的GFE中第一栏 Your Adjusted Origination Charges中
: 1. Our origination charge, 大约是2%
: 2. You receive a credit of 2.6% for the interest of X%.
: A. Your adjusted Origination Charges 0.6%

o*p2013-01-09 08:01

4 楼

你不需要知道GFE细节.只要是no cost refinancing 就可以啦.

commitment
%

【在 j******h 的大作中提到】

m*n2013-01-09 08:01

5 楼

GFE全称Good Faith Estimate,上面所有的数据都是initial and estimation的,如果是
no cost refinance(with escrow),borrower需要关注的就是item 9 and 10.
Item 9: Initial deposit for your escrow account
Item 10: Daily interest charges
其他项,such as: transfer tax,recording charges and title fee,etc,这些都是
closing cost,都应该由broker承担.
在closing的时候,broker应该会提供一份Final Settlement Statement (HUD-1)并向
borrower解释每一项内容,这上面的的数字才是final的,borrower需要make sure自己只
需要付escrow deposit(property tax,insurance) and interest,其他费用都应该由
broker cover,包括payoff fee.

j*h2013-01-09 08:01

6 楼

谢谢楼上各位的热心答复
我知道接下来该怎么办了
再次感谢

【在 m*****n 的大作中提到】

: GFE全称Good Faith Estimate,上面所有的数据都是initial and estimation的,如果是
: no cost refinance(with escrow),borrower需要关注的就是item 9 and 10.
: Item 9: Initial deposit for your escrow account
: Item 10: Daily interest charges
: 其他项,such as: transfer tax,recording charges and title fee,etc,这些都是
: closing cost,都应该由broker承担.
: 在closing的时候,broker应该会提供一份Final Settlement Statement (HUD-1)并向
: borrower解释每一项内容,这上面的的数字才是final的,borrower需要make sure自己只
: 需要付escrow deposit(property tax,insurance) and interest,其他费用都应该由
: broker cover,包括payoff fee.

m*n2013-01-09 08:01

7 楼

You are welcome, hehe...
在no-cost refinance中,the borrower needs to pay for the new loan includes:
1. The difference between your new loan amount and payoff amount if new loan
amount is less.
2. If you have Escrow account -- Reserve in new escrow account for property
tax and insurance (balance of your current escrow account will be sent to
you from your current lender after settlement).
3. Several days of interest (determined by closing date).

【在 j******h 的大作中提到】

:
: 谢谢楼上各位的热心答复
: 我知道接下来该怎么办了
: 再次感谢