a*y
2 楼
现在情况没法做普通的 mortgage, 有人推荐 portfolio loan.
有人贷过吗?有什么优缺点?
有人贷过吗?有什么优缺点?
b*d
3 楼
反正别用那个flat rate的大盒子,装一箱子鱼油,一抓一个准
l*u
5 楼
那用啥装啊?
V*n
8 楼
for a bank, usually they profit from 3 ways
1. sell pooled loans to fannie/freddie. sometimes called warehouse loans.
The bank is looking to sell with premiums. The bank may or may not service
the loan. if it does, it will pass any prepayment on to fannie/freddie and
to MBS investors. fannie/freddie are accountable for any defaults. Or the
bank may securitize loans and sell to investors directly without sending
them to fannie/freddie
2. Keep portfolio loans on balance sheet and profit from cash flows. The
bank is looking to profit from big spread/high interest rate/low default
possibility
3. Securities/bond trading. The bank is looking to hedge interest rate risk,
etc
so for your case, your loan is not acceptable to fannie/freddie. you can get
a portfolio loan from a bank that has money to fund your loan. I don't
think you can get the funds directly from some so called direct lender
mortgage companies or mortgage brokers.
【在 a*****y 的大作中提到】
: 现在情况没法做普通的 mortgage, 有人推荐 portfolio loan.
: 有人贷过吗?有什么优缺点?
1. sell pooled loans to fannie/freddie. sometimes called warehouse loans.
The bank is looking to sell with premiums. The bank may or may not service
the loan. if it does, it will pass any prepayment on to fannie/freddie and
to MBS investors. fannie/freddie are accountable for any defaults. Or the
bank may securitize loans and sell to investors directly without sending
them to fannie/freddie
2. Keep portfolio loans on balance sheet and profit from cash flows. The
bank is looking to profit from big spread/high interest rate/low default
possibility
3. Securities/bond trading. The bank is looking to hedge interest rate risk,
etc
so for your case, your loan is not acceptable to fannie/freddie. you can get
a portfolio loan from a bank that has money to fund your loan. I don't
think you can get the funds directly from some so called direct lender
mortgage companies or mortgage brokers.
【在 a*****y 的大作中提到】
: 现在情况没法做普通的 mortgage, 有人推荐 portfolio loan.
: 有人贷过吗?有什么优缺点?
p*y
10 楼
portfolio loan就是lender自己hold的loan,不会买给两房,因此大部分不遵循两房的
guidelines,或者说某些方面比两房的guidelines更严。
rate方面未必会差,考虑到根本没办法拿到普通的loan。
guidelines,或者说某些方面比两房的guidelines更严。
rate方面未必会差,考虑到根本没办法拿到普通的loan。
d*e
11 楼
华人快递
l*u
12 楼
谢谢达人指点!
4磅以内走first class international,是去邮局办么?
4磅以内走first class international,是去邮局办么?
l*u
13 楼
好心人给个华人快递的链接吧?
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