紧急求助 关于mortgage rate 和 closing cost# Living
g*y
1 楼
如题，这样能拿到返现吗？
现在我们准备从网上买牛排，可能再帮亲戚朋友代买个4S，然后去免税州的苹果店里拿。
我看条款中没有特别写明不行，所以特此问问版上的朋友们有没有人有亲身经历~
谢谢！
现在我们准备从网上买牛排，可能再帮亲戚朋友代买个4S，然后去免税州的苹果店里拿。
我看条款中没有特别写明不行，所以特此问问版上的朋友们有没有人有亲身经历~
谢谢！
v*0
2 楼
我在California, thousand oaks 附近要买一个townhouse. sale price 335，000，
loan amount 252，000。
broker 给的30 year fix rate是4.375%. closing cost 一共是$8754. 这是不是一个
好deal阿，还是我被骗了。 下周就要
close了，所以请大牛帮忙，如果deal不好，我是不是可以back out? 我escrow里有
5000的定金。
loan amount 252，000。
broker 给的30 year fix rate是4.375%. closing cost 一共是$8754. 这是不是一个
好deal阿，还是我被骗了。 下周就要
close了，所以请大牛帮忙，如果deal不好，我是不是可以back out? 我escrow里有
5000的定金。
g*x
3 楼
Nope
Never can you get CB for ipad or iphone through apple.com
Never can you get CB for ipad or iphone through apple.com
r*e
4 楼
you can send me your closing cost breakdown table. I can help you.
，
【在 v*********0 的大作中提到】
: 我在California, thousand oaks 附近要买一个townhouse. sale price 335，000，
: loan amount 252，000。
: broker 给的30 year fix rate是4.375%. closing cost 一共是$8754. 这是不是一个
: 好deal阿，还是我被骗了。 下周就要
: close了，所以请大牛帮忙，如果deal不好，我是不是可以back out? 我escrow里有
: 5000的定金。
，
【在 v*********0 的大作中提到】
: 我在California, thousand oaks 附近要买一个townhouse. sale price 335，000，
: loan amount 252，000。
: broker 给的30 year fix rate是4.375%. closing cost 一共是$8754. 这是不是一个
: 好deal阿，还是我被骗了。 下周就要
: close了，所以请大牛帮忙，如果deal不好，我是不是可以back out? 我escrow里有
: 5000的定金。
g*y
5 楼
啊哦……
难道只能从shopdiscover进去了？！
【在 g********x 的大作中提到】
: Nope
: Never can you get CB for ipad or iphone through apple.com
难道只能从shopdiscover进去了？！
【在 g********x 的大作中提到】
: Nope
: Never can you get CB for ipad or iphone through apple.com
r*d
6 楼
closing cost 不算太离谱。如果现在撤，定金一定是没了。
s*c
7 楼
amex好像可以
From 3/7/2012 through 3/15/2012, the pre-order and purchase of The new iPad
are not eligible to earn bonus points. As of 3/16/2012, the pre-order and
purchase of The new iPad are eligible to earn bonus points. As of 12/1/2011,
the purchase of Bose products are not eligible to earn bonus points. As of
10/14/2011, iPhone 4S are eligible to earn bonus points. ONLY the first two
units per order will be eligible for bonus points. As of 10/6/2011, pre-
ordering of iPhone 4S is not eligible to earn bonus points. As of 7/5/2011
purchases of iPads are eligible to earn bonus points. Purchases of iPhone
iPhone® 4 are eligible to earn bonus points. Purchases of Apple One to
One Membership, gift certificates, gift wrapping and shipping are not
eligible to earn bonus points. Purchases made through Apple Government Store
are not eligible to earn bonus points.
The Apple Online Store sells and ships products to end user customers only;
you may not purchase for resale. Bonus points will only be awarded for up to
five (5) products total within a 30-day window. In the event your order
exceeds five (5) products, you will be awarded only on the five (5) products
with the highest value.
You cannot earn bonus points from Apple iTunes if you click the iTunes tab
at the Apple Store website. If you would like to earn bonus points from
Apple iTunes, visit the Apple iTunes page on this web site. PLEASE NOTE: If
your order has not been reported (showing in a pending award status) after
40 days, please contact customer service immediately. Apple Online Store
will NOT research customer inquiries after 90 days and orders inquired upon
after 90 days will not be awarded. To be eligible to earn bonus points, you
must be enrolled in the Membership Rewards® program ("Program") at the
time of purchase and you must charge your qualifying purchase through the
www.membershiprewards.com/earn website on an eligible, enrolled American
Express® Card. For a listing of all eligible and non-eligible Card
products, please visit www.americanexpress.com/cards or call the 800 number
on the back of your card. Offers on www.membershiprewards.com/earn are
eligible for US Membership Rewards-enrolled Cardmembers only and are not
valid in all markets. Purchases which involve shipment of items to an
address outside of the United States may not qualify to earn bonus points.
To be eligible to earn bonus points, you must be enrolled in the Membership
Rewards® program ("Program") at the time of purchase and you must
charge your qualifying purchase on an eligible, enrolled American Express
174; Card. Offers on membershiprewards.com/earn are eligible for US
Membership Rewards-enrolled Card members only. Only qualified purchases made
through the method specifically described in the "How To Get Offer" section
are eligible to earn bonus points. Participating merchants are subject to
change without notice. Additional terms and conditions apply and appear at
www.membershiprewards.com/earn. Bonus points will be credited to your
Program account within 8-12 weeks after charges appear on your billing
statement Membership Rewards Express® and Membership Rewards®
Enrollees Bonus ID: 1935. Membership Rewards First® Enrollees Bonus ID:
8445.
From 3/7/2012 through 3/15/2012, the pre-order and purchase of The new iPad
are not eligible to earn bonus points. As of 3/16/2012, the pre-order and
purchase of The new iPad are eligible to earn bonus points. As of 12/1/2011,
the purchase of Bose products are not eligible to earn bonus points. As of
10/14/2011, iPhone 4S are eligible to earn bonus points. ONLY the first two
units per order will be eligible for bonus points. As of 10/6/2011, pre-
ordering of iPhone 4S is not eligible to earn bonus points. As of 7/5/2011
purchases of iPads are eligible to earn bonus points. Purchases of iPhone
iPhone® 4 are eligible to earn bonus points. Purchases of Apple One to
One Membership, gift certificates, gift wrapping and shipping are not
eligible to earn bonus points. Purchases made through Apple Government Store
are not eligible to earn bonus points.
The Apple Online Store sells and ships products to end user customers only;
you may not purchase for resale. Bonus points will only be awarded for up to
five (5) products total within a 30-day window. In the event your order
exceeds five (5) products, you will be awarded only on the five (5) products
with the highest value.
You cannot earn bonus points from Apple iTunes if you click the iTunes tab
at the Apple Store website. If you would like to earn bonus points from
Apple iTunes, visit the Apple iTunes page on this web site. PLEASE NOTE: If
your order has not been reported (showing in a pending award status) after
40 days, please contact customer service immediately. Apple Online Store
will NOT research customer inquiries after 90 days and orders inquired upon
after 90 days will not be awarded. To be eligible to earn bonus points, you
must be enrolled in the Membership Rewards® program ("Program") at the
time of purchase and you must charge your qualifying purchase through the
www.membershiprewards.com/earn website on an eligible, enrolled American
Express® Card. For a listing of all eligible and non-eligible Card
products, please visit www.americanexpress.com/cards or call the 800 number
on the back of your card. Offers on www.membershiprewards.com/earn are
eligible for US Membership Rewards-enrolled Cardmembers only and are not
valid in all markets. Purchases which involve shipment of items to an
address outside of the United States may not qualify to earn bonus points.
To be eligible to earn bonus points, you must be enrolled in the Membership
Rewards® program ("Program") at the time of purchase and you must
charge your qualifying purchase on an eligible, enrolled American Express
174; Card. Offers on membershiprewards.com/earn are eligible for US
Membership Rewards-enrolled Card members only. Only qualified purchases made
through the method specifically described in the "How To Get Offer" section
are eligible to earn bonus points. Participating merchants are subject to
change without notice. Additional terms and conditions apply and appear at
www.membershiprewards.com/earn. Bonus points will be credited to your
Program account within 8-12 weeks after charges appear on your billing
statement Membership Rewards Express® and Membership Rewards®
Enrollees Bonus ID: 1935. Membership Rewards First® Enrollees Bonus ID:
8445.
s*d
8 楼
你问问可不可以提高一点 rate，降 closing cost？
你这个 8000 多 closing cost 都哪些？
你这个 8000 多 closing cost 都哪些？
g*y
9 楼
今天小蝎告诉我通过shopper买前2部4S（和条款符合），可以正常拿到返现~
牛排的情况似乎还不清楚~
但是走shopdiscover基本没有问题~
牛排的情况似乎还不清楚~
但是走shopdiscover基本没有问题~
v*0
10 楼
origination fee: 3768
closing fee: 1844
title insurance: 1201
credit report: 60
processing fee: 595
administration fee: 200
underwriting fee: 998
recording fee: 88
大牛们觉得怎么样？
【在 s********d 的大作中提到】
: 你问问可不可以提高一点 rate，降 closing cost？
: 你这个 8000 多 closing cost 都哪些？
closing fee: 1844
title insurance: 1201
credit report: 60
processing fee: 595
administration fee: 200
underwriting fee: 998
recording fee: 88
大牛们觉得怎么样？
【在 s********d 的大作中提到】
: 你问问可不可以提高一点 rate，降 closing cost？
: 你这个 8000 多 closing cost 都哪些？
s*g
11 楼
安全点你走discover
那个明文写了可以的 赖不掉
shopper他们以前pre-order不算的时候 都有人拿到过4s的cb
所以即便有成功先例也不是很保险
【在 g*****y 的大作中提到】
: 今天小蝎告诉我通过shopper买前2部4S（和条款符合），可以正常拿到返现~
: 牛排的情况似乎还不清楚~
: 但是走shopdiscover基本没有问题~
那个明文写了可以的 赖不掉
shopper他们以前pre-order不算的时候 都有人拿到过4s的cb
所以即便有成功先例也不是很保险
【在 g*****y 的大作中提到】
: 今天小蝎告诉我通过shopper买前2部4S（和条款符合），可以正常拿到返现~
: 牛排的情况似乎还不清楚~
: 但是走shopdiscover基本没有问题~
a*y
12 楼
too expensive lah
【在 v*********0 的大作中提到】
: origination fee: 3768
: closing fee: 1844
: title insurance: 1201
: credit report: 60
: processing fee: 595
: administration fee: 200
: underwriting fee: 998
: recording fee: 88
: 大牛们觉得怎么样？
【在 v*********0 的大作中提到】
: origination fee: 3768
: closing fee: 1844
: title insurance: 1201
: credit report: 60
: processing fee: 595
: administration fee: 200
: underwriting fee: 998
: recording fee: 88
: 大牛们觉得怎么样？
m*y
13 楼
我拿到过两次iphone的CB，不过不是pre-order
【在 s**********g 的大作中提到】
: 安全点你走discover
: 那个明文写了可以的 赖不掉
: shopper他们以前pre-order不算的时候 都有人拿到过4s的cb
: 所以即便有成功先例也不是很保险
【在 s**********g 的大作中提到】
: 安全点你走discover
: 那个明文写了可以的 赖不掉
: shopper他们以前pre-order不算的时候 都有人拿到过4s的cb
: 所以即便有成功先例也不是很保险
v*0
14 楼
你觉得哪些可以去argue掉？
【在 a**y 的大作中提到】
: too expensive lah
【在 a**y 的大作中提到】
: too expensive lah
b*i
15 楼
【在 m*****y 的大作中提到】
: 我拿到过两次iphone的CB，不过不是pre-order
a*y
16 楼
These
My bank pays all these service fees
closing fee is paid to attorney, you can find an attorney yourself,
may not cost that much
title insurance is also paid to third party
your attoney can do a title search for you, if it can be viewed as a
reissue, will cost only half of new issurance.
Origination fee is what brings you this rate, probably cannot argue
but sounds to be a lot for a 4.375 rate.
My bank pays all these service fees
closing fee is paid to attorney, you can find an attorney yourself,
may not cost that much
title insurance is also paid to third party
your attoney can do a title search for you, if it can be viewed as a
reissue, will cost only half of new issurance.
Origination fee is what brings you this rate, probably cannot argue
but sounds to be a lot for a 4.375 rate.
g*y
17 楼
看来通过shopper买iPhone 4S已经是没有什么问题了~
b*d
18 楼
我们应该可以做到4.375%，我们的所有Closing Cost是$1900。如果你感兴趣，我的电
话是: 626-893-9760。
，
【在 v*********0 的大作中提到】
: 我在California, thousand oaks 附近要买一个townhouse. sale price 335，000，
: loan amount 252，000。
: broker 给的30 year fix rate是4.375%. closing cost 一共是$8754. 这是不是一个
: 好deal阿，还是我被骗了。 下周就要
: close了，所以请大牛帮忙，如果deal不好，我是不是可以back out? 我escrow里有
: 5000的定金。
话是: 626-893-9760。
，
【在 v*********0 的大作中提到】
: 我在California, thousand oaks 附近要买一个townhouse. sale price 335，000，
: loan amount 252，000。
: broker 给的30 year fix rate是4.375%. closing cost 一共是$8754. 这是不是一个
: 好deal阿，还是我被骗了。 下周就要
: close了，所以请大牛帮忙，如果deal不好，我是不是可以back out? 我escrow里有
: 5000的定金。
g*y
19 楼
本周五就准备出发去免税州了，但是发现苹果店里似乎已经没有存货了。白色的牛排已
经两周了，黑色的已经一周了……
现在可能去BestBuy买了，这个从shopper进也是5%，不知道能不能拿到返现。
是否有同学有经验呢？
谢谢！
经两周了，黑色的已经一周了……
现在可能去BestBuy买了，这个从shopper进也是5%，不知道能不能拿到返现。
是否有同学有经验呢？
谢谢！
f*e
20 楼
Mark
j*f
21 楼
拿到过ipad的CB
d*n
22 楼
这是什么银行呀？？？origination fee看起来像是加了point的，closing fee还要那
么高，按title insurance的钱数，把title insurance含在里面还差不多。credit
report去pcs，$60可以pull好多了。NJ是不允许收processing fee的。underwriting
fee也很离谱，送lender in-house批最多也就$250吧，他们的underwriter是金子打的
呀？而且，NJ也是不允许收underwriting fee的。瞠目。。。
么高，按title insurance的钱数，把title insurance含在里面还差不多。credit
report去pcs，$60可以pull好多了。NJ是不允许收processing fee的。underwriting
fee也很离谱，送lender in-house批最多也就$250吧，他们的underwriter是金子打的
呀？而且，NJ也是不允许收underwriting fee的。瞠目。。。
g*y
23 楼
多谢分享~
但是不知道你是从哪里买的？
【在 j***f 的大作中提到】
: 拿到过ipad的CB
但是不知道你是从哪里买的？
【在 j***f 的大作中提到】
: 拿到过ipad的CB
o*o
24 楼
你们做纽约州吗？
【在 b*d 的大作中提到】
: 我们应该可以做到4.375%，我们的所有Closing Cost是$1900。如果你感兴趣，我的电
: 话是: 626-893-9760。
:
: ，
【在 b*d 的大作中提到】
: 我们应该可以做到4.375%，我们的所有Closing Cost是$1900。如果你感兴趣，我的电
: 话是: 626-893-9760。
:
: ，
w*e
25 楼
discover的肯定可以，拿到过
a*e
26 楼
你用的什么银行啊？我们以前用的是wellsfargo都是自己出的这些钱。。
【在 a**y 的大作中提到】
: These
: My bank pays all these service fees
: closing fee is paid to attorney, you can find an attorney yourself,
: may not cost that much
: title insurance is also paid to third party
: your attoney can do a title search for you, if it can be viewed as a
: reissue, will cost only half of new issurance.
: Origination fee is what brings you this rate, probably cannot argue
: but sounds to be a lot for a 4.375 rate.
【在 a**y 的大作中提到】
: These
: My bank pays all these service fees
: closing fee is paid to attorney, you can find an attorney yourself,
: may not cost that much
: title insurance is also paid to third party
: your attoney can do a title search for you, if it can be viewed as a
: reissue, will cost only half of new issurance.
: Origination fee is what brings you this rate, probably cannot argue
: but sounds to be a lot for a 4.375 rate.
r*y
27 楼
没尝试过
但是shopdiscover的term 明确的 写了 包括 牛排
但是shopdiscover的term 明确的 写了 包括 牛排
a*e
28 楼
为啥要先付定金呢？一般不是先拿个good faith estimate差不多然后就先付个
appraisal fee，也就几百块钱。
，
【在 v*********0 的大作中提到】
: 我在California, thousand oaks 附近要买一个townhouse. sale price 335，000，
: loan amount 252，000。
: broker 给的30 year fix rate是4.375%. closing cost 一共是$8754. 这是不是一个
: 好deal阿，还是我被骗了。 下周就要
: close了，所以请大牛帮忙，如果deal不好，我是不是可以back out? 我escrow里有
: 5000的定金。
appraisal fee，也就几百块钱。
，
【在 v*********0 的大作中提到】
: 我在California, thousand oaks 附近要买一个townhouse. sale price 335，000，
: loan amount 252，000。
: broker 给的30 year fix rate是4.375%. closing cost 一共是$8754. 这是不是一个
: 好deal阿，还是我被骗了。 下周就要
: close了，所以请大牛帮忙，如果deal不好，我是不是可以back out? 我escrow里有
: 5000的定金。
b*d
29 楼
不好意思，我们现在只能做加州和内华达州的。
【在 o***o 的大作中提到】
: 你们做纽约州吗？
【在 o***o 的大作中提到】
: 你们做纽约州吗？
g*m
30 楼
同感，是不是有点啊，这么高的closing cost有点离谱。
【在 d******n 的大作中提到】
: 这是什么银行呀？？？origination fee看起来像是加了point的，closing fee还要那
: 么高，按title insurance的钱数，把title insurance含在里面还差不多。credit
: report去pcs，$60可以pull好多了。NJ是不允许收processing fee的。underwriting
: fee也很离谱，送lender in-house批最多也就$250吧，他们的underwriter是金子打的
: 呀？而且，NJ也是不允许收underwriting fee的。瞠目。。。
【在 d******n 的大作中提到】
: 这是什么银行呀？？？origination fee看起来像是加了point的，closing fee还要那
: 么高，按title insurance的钱数，把title insurance含在里面还差不多。credit
: report去pcs，$60可以pull好多了。NJ是不允许收processing fee的。underwriting
: fee也很离谱，送lender in-house批最多也就$250吧，他们的underwriter是金子打的
: 呀？而且，NJ也是不允许收underwriting fee的。瞠目。。。
b*d
31 楼
这么高，应该是收了Point了。
【在 g********m 的大作中提到】
: 同感，是不是有点啊，这么高的closing cost有点离谱。
【在 g********m 的大作中提到】
: 同感，是不是有点啊，这么高的closing cost有点离谱。
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