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这是狗吗

这是狗吗# Joke - 肚皮舞运动

z*e2014-05-14 07:05

1 楼

Hi, I checked the GFE.
There is $80 mortgage insurance, what is it?
Also the tax and insurance escrow: I know the tax is property tax, what is
the insurance that needs escrow? Is that lender's title insurance? I thought
lender's title insurance is one-time payment.
Thank you,

n*r2014-05-14 07:05

2 楼

R*d2014-05-14 07:05

3 楼

s*i2014-05-14 07:05

4 楼

how much did you loan?

B*02014-05-14 07:05

5 楼

猫咪真淘气。

【在 n****r 的大作中提到】

H*g2014-05-14 07:05

6 楼

猫平时一副高贵冷艳的样子，关键时候还是顶用啊

z*e2014-05-14 07:05

7 楼

about 350,000

【在 s***i 的大作中提到】

: how much did you loan?

t*e2014-05-14 07:05

8 楼

小时候老家的猫和狗是天敌，相见一定会打架，往往最后是猫爬到高处逃跑
但这些宠物猫狗好像相处的非常好，生物千老解释解释

l*t2014-05-14 07:05

9 楼

大赞

z*e2014-05-14 07:05

10 楼

Is that homeowners insurance needs escrow?
I paid more than 20% down payment, so I think I should not have mortgage
insurance.

y*52014-05-14 07:05

11 楼

虎落厨房被犬欺哈！

l*t2014-05-14 07:05

12 楼

猫猫威武

c*e2014-05-14 07:05

13 楼

您的贷款金额除以房价（Loan-to-Value）是多少呢？如果是大于80%，lender会要求买
mortgage insurance，例如您的case，每个月是$80（额外的）。
Escrow的insurance不是title insurance而是home insurance（房屋保险）。等到下一
个home insurance payment due的时候，银行会帮您付home insurance payment。
Lender's title insurance 是 one-time payment.

thought

【在 z****e 的大作中提到】

: Hi, I checked the GFE.
: There is $80 mortgage insurance, what is it?
: Also the tax and insurance escrow: I know the tax is property tax, what is
: the insurance that needs escrow? Is that lender's title insurance? I thought
: lender's title insurance is one-time payment.
: Thank you,

r*c2014-05-14 07:05

14 楼

今天我也手贱，点了首页上新闻大杂烩里的两个新闻。

k*i2014-05-14 07:05

15 楼

博导关键时刻发威，精粉落荒而逃

z*e2014-05-14 07:05

16 楼

Is that homeowners insurance needs escrow?
I paid more than 20% down payment, so I think I should not have mortgage
insurance.

c*t2014-05-14 07:05

17 楼

如果是反过来，是不是根本上不了新闻了。

z*e2014-05-14 07:05

18 楼

Loan to value is 67%

w*r2014-05-14 07:05

19 楼

小男孩偷袭骑自行车的狗，被猫打飞

【在 c********t 的大作中提到】

: 如果是反过来，是不是根本上不了新闻了。

I*D2014-05-14 07:05

20 楼

Loan to value 是67% (<80%)的话，不需要付mortgage insurance。
需要澄清的是，买房贷款，loan to value 中的 value 是purchase price和
appraisal value中低的哪一个。打个比方，你的sales price is 500K, 贷款额是335K
(67% of 500K),但appraisal value 只有410k,那你的loan-to-value=$335/$410=81.7%
> 80%，就需要付mortgage insurance.
从67% 到 81.7% 这个变化比较极端了，可能不适用于你的情况。

【在 z****e 的大作中提到】

: Loan to value is 67%

I*s2014-05-14 07:05

21 楼

Insurance指的是Hazard／Homeowner's Insurance 吧？我的猜测是每个月预估的$80
的Homeowner's Insurance，这个不是Mortgage Insurance，是你的房屋保险。有关
Escrow的问题具体可以看一下这篇文章。
http://www.mitbbs.com/clubarticle1/MortgageFAQ/31103315_0_1.htm

z*e2014-05-14 07:05

22 楼

Very helpful, thank you
called my broker. It is home owners insurance, they put it on the wrong
place.