w*7
2 楼
买房过程中遇到问题,真诚请教。
在NJ买了一个小condo,贷款过程中出问题了。Loan officer没有帮我们lock in rate
,事前没有告诉我们,到要close的前几天才打电话告诉我们了,这时利率已经涨了很
多。我们交涉后无果。想问问懂行的朋友,这种情况下我们可以选择不close吗?我们
的律师说seller会告我们。但我看见版上vegas买房"亏"七万的那位朋友也walk away
,拿回了deposit,所以想听听大家的意见。谢谢!
在NJ买了一个小condo,贷款过程中出问题了。Loan officer没有帮我们lock in rate
,事前没有告诉我们,到要close的前几天才打电话告诉我们了,这时利率已经涨了很
多。我们交涉后无果。想问问懂行的朋友,这种情况下我们可以选择不close吗?我们
的律师说seller会告我们。但我看见版上vegas买房"亏"七万的那位朋友也walk away
,拿回了deposit,所以想听听大家的意见。谢谢!
J*e
3 楼
有兴趣测评玩具吗,我们有小车穿衣板还有78只派对发光玩具,别的类型的玩具也都有
,只需要留一个亚马逊评论,玩具免费送。
,只需要留一个亚马逊评论,玩具免费送。
s*d
4 楼
你的contract应该是loan contigency,上面应该写着得到rate<=x.x%的loan。
如果你没有这个,你被agent骗了。
如果你没有这个,你被agent骗了。
b*2
8 楼
所以我一再强调一定要向loan agent要一个lock confirmation
您如果back out, seller当然可以告, 但是这个时间会很长, 在此其间, seller不能卖
房子.
您如果back out, seller当然可以告, 但是这个时间会很长, 在此其间, seller不能卖
房子.
s*x
9 楼
没有一点email证据表明rate locked了么?
j*u
10 楼
你们这个完全是loan officer的问题啊。
t*e
11 楼
Try this:
(1) Inform the seller that loan with current lender is not going well.
(2) You dump your current lender as they are not very nice to you.
(3) You switch to another lender.
(4) Inform seller that you are performing, but it will take time and there
is uncertainty for loan approval.
(4) You try to get your loan denied by withholding some information such as
income or assets. It is easy to get loan denied by the second lender.
(5) Get your deposit back.
I am not very nice to mean people or sham businesses so I am WSN.
rate
away
【在 w*********7 的大作中提到】
: 买房过程中遇到问题,真诚请教。
: 在NJ买了一个小condo,贷款过程中出问题了。Loan officer没有帮我们lock in rate
: ,事前没有告诉我们,到要close的前几天才打电话告诉我们了,这时利率已经涨了很
: 多。我们交涉后无果。想问问懂行的朋友,这种情况下我们可以选择不close吗?我们
: 的律师说seller会告我们。但我看见版上vegas买房"亏"七万的那位朋友也walk away
: ,拿回了deposit,所以想听听大家的意见。谢谢!
(1) Inform the seller that loan with current lender is not going well.
(2) You dump your current lender as they are not very nice to you.
(3) You switch to another lender.
(4) Inform seller that you are performing, but it will take time and there
is uncertainty for loan approval.
(4) You try to get your loan denied by withholding some information such as
income or assets. It is easy to get loan denied by the second lender.
(5) Get your deposit back.
I am not very nice to mean people or sham businesses so I am WSN.
rate
away
【在 w*********7 的大作中提到】
: 买房过程中遇到问题,真诚请教。
: 在NJ买了一个小condo,贷款过程中出问题了。Loan officer没有帮我们lock in rate
: ,事前没有告诉我们,到要close的前几天才打电话告诉我们了,这时利率已经涨了很
: 多。我们交涉后无果。想问问懂行的朋友,这种情况下我们可以选择不close吗?我们
: 的律师说seller会告我们。但我看见版上vegas买房"亏"七万的那位朋友也walk away
: ,拿回了deposit,所以想听听大家的意见。谢谢!
w*7
15 楼
谢谢帮出主意,应该算niceN吧。现在该地区房子涨势继续,seller如果重新list,说
不定会得更高价。我是觉得贷款不顺与此房无缘,所以不想要了。但如果walk away,
估计seller会敲一笔。
as
【在 t**e 的大作中提到】
: Try this:
: (1) Inform the seller that loan with current lender is not going well.
: (2) You dump your current lender as they are not very nice to you.
: (3) You switch to another lender.
: (4) Inform seller that you are performing, but it will take time and there
: is uncertainty for loan approval.
: (4) You try to get your loan denied by withholding some information such as
: income or assets. It is easy to get loan denied by the second lender.
: (5) Get your deposit back.
: I am not very nice to mean people or sham businesses so I am WSN.
不定会得更高价。我是觉得贷款不顺与此房无缘,所以不想要了。但如果walk away,
估计seller会敲一笔。
as
【在 t**e 的大作中提到】
: Try this:
: (1) Inform the seller that loan with current lender is not going well.
: (2) You dump your current lender as they are not very nice to you.
: (3) You switch to another lender.
: (4) Inform seller that you are performing, but it will take time and there
: is uncertainty for loan approval.
: (4) You try to get your loan denied by withholding some information such as
: income or assets. It is easy to get loan denied by the second lender.
: (5) Get your deposit back.
: I am not very nice to mean people or sham businesses so I am WSN.
s*a
16 楼
没LOCK RATE买什么房子啊
w*7
23 楼
上来update一下,今天终于close了。rate后来lock在了一个稍低一点的利率上,当然
比最初高很多了,但比现行利率低一点。然后我们put in更多的down payment,降低了
mortgage amount,这样interest lifetime比原来稍低,每个月的payment也比原来稍
低,所以最后还是close了。感谢楼里各位帮忙出主意的网友!
比最初高很多了,但比现行利率低一点。然后我们put in更多的down payment,降低了
mortgage amount,这样interest lifetime比原来稍低,每个月的payment也比原来稍
低,所以最后还是close了。感谢楼里各位帮忙出主意的网友!
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