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Lender waives appraisal

Lender waives appraisal# Living

b*92013-12-09 08:12

1 楼

sorry can't type Chinese here.
just received a message from our loan processor, saying that they're waiving
the appraisal for the property we're getting the mortgage for. While our
real estate agent was saying what a great deal we're getting, I'm wondering
if it's a good idea to forgo the appraisal altogether at all.
any input is greatly appreciated! Thanks :-)

c*i2013-12-09 08:12

2 楼

他是说waive the appraisal fee还是waive appraisal?

waiving
wondering

【在 b********9 的大作中提到】

: sorry can't type Chinese here.
: just received a message from our loan processor, saying that they're waiving
: the appraisal for the property we're getting the mortgage for. While our
: real estate agent was saying what a great deal we're getting, I'm wondering
: if it's a good idea to forgo the appraisal altogether at all.
: any input is greatly appreciated! Thanks :-)

b*22013-12-09 08:12

3 楼

should be a good deal. you pay $75 waiver fee instead of $400+ appraisal fee
. unless you want to use the appraisal value to bargain with seller which is
very unlikely in the current seller's market.

waiving
wondering

【在 b********9 的大作中提到】

I*D2013-12-09 08:12

4 楼

当你的broker把贷款提交给银行，银行一般会用Fannie Mae或者Freddie Mac的自动审
批程序，automated underwriting system；这个程序里面有一个系统估计的价格，两
房的系统认为你这个房子的价格肯定高于purchase price, 所以waive appraisal.
这种情况下，我不建议你再做appraisal了；原因如下：
1. appraisl fee 大概在500 左右，没必要；appraisal waiver 只需要75.
2. 你的agent说是个好idea, 所以即使你们有apprisal contigency, 即使apprisal
value 低于 purchase price（几乎在这里不太可能发生）， seller 再降价的可能性
很小。
3.如果房子有些小修小补的问题，但是被银行放大，会带来不必要的麻烦.

b*92013-12-09 08:12

5 楼

cool thanks. as the lender only need to recoup 80% of the property value,
both my hubby and I have both enjoyed ~800 fica score respectively, so the
risk of the lender having to take a loss on the loan is minimal.
I was just wondering if we should do the appraisal for our own sake anyway.
and yet you have brought up a brilliant perspective.

fee
is

【在 b********2 的大作中提到】

: should be a good deal. you pay $75 waiver fee instead of $400+ appraisal fee
: . unless you want to use the appraisal value to bargain with seller which is
: very unlikely in the current seller's market.
:
: waiving
: wondering

b*92013-12-09 08:12

6 楼

Okay, this makes sense. Thanks for your help :-)

【在 I******D 的大作中提到】

: 当你的broker把贷款提交给银行，银行一般会用Fannie Mae或者Freddie Mac的自动审
: 批程序，automated underwriting system；这个程序里面有一个系统估计的价格，两
: 房的系统认为你这个房子的价格肯定高于purchase price, 所以waive appraisal.
: 这种情况下，我不建议你再做appraisal了；原因如下：
: 1. appraisl fee 大概在500 左右，没必要；appraisal waiver 只需要75.
: 2. 你的agent说是个好idea, 所以即使你们有apprisal contigency, 即使apprisal
: value 低于 purchase price（几乎在这里不太可能发生）， seller 再降价的可能性
: 很小。
: 3.如果房子有些小修小补的问题，但是被银行放大，会带来不必要的麻烦.

c*e2013-12-09 08:12

7 楼

这确实是一个很好的deal，很少有case能够通过Fnnie Mae的automated underwriter得
到 appraisal waiver的approval，这能够为您省下好几百块钱。:)
如果不是特别需要做一个appraisa利用appraised value同卖方讲价的话，不用做这个
appraisal。Lender也会因为不用审核appraisal而使您的贷款更快得到批准。

waiving
wondering

【在 b********9 的大作中提到】

X*U2013-12-09 08:12

8 楼

我的房子就给waive了
回头发给我了个report，上边有附近类似交易的价格。
他们也不是完全不做，貌似还是派人去房子外边拍了几张照片，也在report里

[发表自未名空间手机版 - m.mitbbs.com]

【在 c**********e 的大作中提到】

: 这确实是一个很好的deal，很少有case能够通过Fnnie Mae的automated underwriter得
: 到 appraisal waiver的approval，这能够为您省下好几百块钱。:)
: 如果不是特别需要做一个appraisa利用appraised value同卖方讲价的话，不用做这个
: appraisal。Lender也会因为不用审核appraisal而使您的贷款更快得到批准。
:
: waiving
: wondering