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Loan咨询# Living

K*i2013-04-23 07:04

1 楼

下面的条件大概能拿到怎样的loan? 多谢。
1. Loan type: Owner Occupied
2. Property type: Single Family House
3. Property value: 375K
4. Loan amount: 275K
5. FICO score (Credit score): 760+
6. Desired loan term: 30 Yr. Fixed
7. With impound(Escrow): Yes
8. Status: Green Card

r*d2013-04-23 07:04

2 楼

3.375% with impound,
3.5% no impound
NO POINT NO FEE, the rate is quoted based on California's current rate (PST
12:17)

【在 K*******i 的大作中提到】

: 下面的条件大概能拿到怎样的loan? 多谢。
: 1. Loan type: Owner Occupied
: 2. Property type: Single Family House
: 3. Property value: 375K
: 4. Loan amount: 275K
: 5. FICO score (Credit score): 760+
: 6. Desired loan term: 30 Yr. Fixed
: 7. With impound(Escrow): Yes
: 8. Status: Green Card

j*l2013-04-23 07:04

3 楼

不好意思，新手，with/without impound 有什么不同？

PST

【在 r******d 的大作中提到】

: 3.375% with impound,
: 3.5% no impound
: NO POINT NO FEE, the rate is quoted based on California's current rate (PST
: 12:17)

K*i2013-04-23 07:04

4 楼

Impound就是在银行开个Escrow的账号，把每年的Property Tax和Insurance分成12份，
然后每个月和Mortgage Payment交给银行。
mpound就是需要你提前付一下Property Tax和Insurance，其他的就没有什么不好的了
．只是很多客人不愿意Prepay，更喜欢自己来管理．

【在 j**l 的大作中提到】

: 不好意思，新手，with/without impound 有什么不同？
:
: PST

j*l2013-04-23 07:04

5 楼

为啥这个有和没有对interest rate 影响这么大呀。

【在 K*******i 的大作中提到】

: Impound就是在银行开个Escrow的账号，把每年的Property Tax和Insurance分成12份，
: 然后每个月和Mortgage Payment交给银行。
: mpound就是需要你提前付一下Property Tax和Insurance，其他的就没有什么不好的了
: ．只是很多客人不愿意Prepay，更喜欢自己来管理．

K*i2013-04-23 07:04

6 楼

可能是impound能够让贷款机构稳定地在每个月收到同样数额的钱，旱涝保收，所以就
让了点利。

【在 j**l 的大作中提到】

: 为啥这个有和没有对interest rate 影响这么大呀。

b*22013-04-23 07:04

7 楼

Escrow impound accounts are those accounts which lenders set up to collect '
up-front' money from you when you take out a mortgage to cover future
expenses such as property taxes and insurance. Lenders like to set up these
impound accounts, as they are then certain that the property taxes and
insurance will be paid on time, as they will be holding the money and paying
these expenses for you.
(quote from http://www.escrowhelp.com/articles/19990604.html)
Impound Account（也叫Escrow Account）是指lender设立的一个account. 贷款人在贷
款时候要先在这个account里放六个月的property tax和insurance. 之后每个月除了付
贷款的本金和利息之外，还要将property tax及home insurance一起支付，以后由
lender替房主将该付的地产税和房屋保险按时上交。
The good:
---------
There will be more lender rebate to cover closing cost. Sometimes, the rate
may get better.
The bad:
---------
You will prepay about six months property tax and six months of insurance
during closing.
You will also pay insurance and property tax in your monthly mortgage
payment. The amount is (total amount/12)
In rare case, you may have to follow up with lender who doesn't pay property
tax or insurance on time.
The bonus:
----------
If the cash rebate from lender is more than closing cost, the extra money
will go into your escrow account. Sometimes, the extra money can be as much
as a few thousand dollars.
Can I cancel the escrow impound?
Depend on the lender, some lenders allow you to cancel, others may not.

【在 j**l 的大作中提到】

: 为啥这个有和没有对interest rate 影响这么大呀。