n*w
2 楼
There is an existing home that I am interested in and it has been in short
sale for a while but will go foreclosure early June. Could you please help
me with the following questions? Thanks a lot.
1. Do I need to submit a loan application to do the appraisal?
2. Do I need a signed contract to submit a loan application?
3. Can I submit a loan application without a signed contract? In this way, I
can have the appraisal done, the appraisal should help me justify the offer
that I am going to make, and securing the loan will help me get the short
sale offer approved in such a short time left.
sale for a while but will go foreclosure early June. Could you please help
me with the following questions? Thanks a lot.
1. Do I need to submit a loan application to do the appraisal?
2. Do I need a signed contract to submit a loan application?
3. Can I submit a loan application without a signed contract? In this way, I
can have the appraisal done, the appraisal should help me justify the offer
that I am going to make, and securing the loan will help me get the short
sale offer approved in such a short time left.
h*b
4 楼
1. no. as long as owner gives you access to the prop to do it.
2. yes, lender can't underwrite your file unless you have a prop under
contract. the prop is being used as collateral for the loan/mortgage
3. no. same reason as in #2.
if you're trying to gauge the value of the prop, you can get an est using "
comps"--similar prop in close proximity that was sold in the past 3 mo.
tract homes should be fairly easy to get a comp. appraiser uses the same
approach on such prop.
for loan, you can get a pre-approval letter w/ income, credit, down pay info
. you'll know exactly your borrowing capacity. :p
欢迎访问"言之有屋"Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles.html
http://www.mitbbs.com/pc/index/hkmbb
I
offer
【在 n**w 的大作中提到】
: There is an existing home that I am interested in and it has been in short
: sale for a while but will go foreclosure early June. Could you please help
: me with the following questions? Thanks a lot.
: 1. Do I need to submit a loan application to do the appraisal?
: 2. Do I need a signed contract to submit a loan application?
: 3. Can I submit a loan application without a signed contract? In this way, I
: can have the appraisal done, the appraisal should help me justify the offer
: that I am going to make, and securing the loan will help me get the short
: sale offer approved in such a short time left.
2. yes, lender can't underwrite your file unless you have a prop under
contract. the prop is being used as collateral for the loan/mortgage
3. no. same reason as in #2.
if you're trying to gauge the value of the prop, you can get an est using "
comps"--similar prop in close proximity that was sold in the past 3 mo.
tract homes should be fairly easy to get a comp. appraiser uses the same
approach on such prop.
for loan, you can get a pre-approval letter w/ income, credit, down pay info
. you'll know exactly your borrowing capacity. :p
欢迎访问"言之有屋"Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles.html
http://www.mitbbs.com/pc/index/hkmbb
I
offer
【在 n**w 的大作中提到】
: There is an existing home that I am interested in and it has been in short
: sale for a while but will go foreclosure early June. Could you please help
: me with the following questions? Thanks a lot.
: 1. Do I need to submit a loan application to do the appraisal?
: 2. Do I need a signed contract to submit a loan application?
: 3. Can I submit a loan application without a signed contract? In this way, I
: can have the appraisal done, the appraisal should help me justify the offer
: that I am going to make, and securing the loan will help me get the short
: sale offer approved in such a short time left.
n*w
6 楼
Hi hkmbb,
You are good and I like your club link and your blog.
Thank you.
You are good and I like your club link and your blog.
Thank you.
b*d
8 楼
不用着急,银行要等到offer被接受了以后才能处理贷款申请。
I
offer
【在 n**w 的大作中提到】
: There is an existing home that I am interested in and it has been in short
: sale for a while but will go foreclosure early June. Could you please help
: me with the following questions? Thanks a lot.
: 1. Do I need to submit a loan application to do the appraisal?
: 2. Do I need a signed contract to submit a loan application?
: 3. Can I submit a loan application without a signed contract? In this way, I
: can have the appraisal done, the appraisal should help me justify the offer
: that I am going to make, and securing the loan will help me get the short
: sale offer approved in such a short time left.
I
offer
【在 n**w 的大作中提到】
: There is an existing home that I am interested in and it has been in short
: sale for a while but will go foreclosure early June. Could you please help
: me with the following questions? Thanks a lot.
: 1. Do I need to submit a loan application to do the appraisal?
: 2. Do I need a signed contract to submit a loan application?
: 3. Can I submit a loan application without a signed contract? In this way, I
: can have the appraisal done, the appraisal should help me justify the offer
: that I am going to make, and securing the loan will help me get the short
: sale offer approved in such a short time left.
f*u
9 楼
这几天的故事真是高潮迭起。
http://www.mitbbs.com/clubarticle_t/EB23_Policy_News_and_Rumors
【在 d*****8 的大作中提到】
: 是老赫的看样子USCIS行动比较迟缓,七年半过去了还没有定论帖子吗?
http://www.mitbbs.com/clubarticle_t/EB23_Policy_News_and_Rumors
【在 d*****8 的大作中提到】
: 是老赫的看样子USCIS行动比较迟缓,七年半过去了还没有定论帖子吗?
d*n
11 楼
买房申请贷款的话,一定是需要有signed contract才可以开始的。如果没有signed
contract,就算想submit application都没人要。房屋抵押贷款呀,没有房是没办法做
的。
希望了解一下房屋的value,可以上zillow查一下附近sold的类似房屋的价格。不过,
一旦有short sale或foreclosure,附近的房价都会相应下跌。基本是short sale,
appraisal value也不会比purchase price高很多的。
我觉得zillow的估价参考意义不大,不过,成交价都是真的,可供参考。
contract,就算想submit application都没人要。房屋抵押贷款呀,没有房是没办法做
的。
希望了解一下房屋的value,可以上zillow查一下附近sold的类似房屋的价格。不过,
一旦有short sale或foreclosure,附近的房价都会相应下跌。基本是short sale,
appraisal value也不会比purchase price高很多的。
我觉得zillow的估价参考意义不大,不过,成交价都是真的,可供参考。
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