各位看看这个Loan靠不靠谱# Living
k*a
1 楼
南加州，Townhouse,房价245,000，头款20%，贷款额196,000.15年fixed, 2.750%
这是一个short sale,原房主欠HOA fee大约1万，银行把房价从259000降到245000，算
是cover了HOA fee和inspection以后的修理费.
我的问题是：
1.Closing cost大约11000(加欠的HOA fee一共是21000)，这个高不高？（明细在下面）
2.Monthly payment 是2038，这也觉得有点高。
恳请各位帮着参谋参谋，先谢谢了！
Closing cost:
loan company charges： 1300
Discount points(loan amount 1%) 1960
Appraisal 450
credit report 60
flood certification 16
tax service 85
escrow fee 1000
title insurance(alta policy) 700
notary 200
title insurance(owner's policy) 1200
goverment charge 150
transfer tax(sale price 0.011) 269.50
action cordinator 375
past due HOA fee 10000
interest(15 days at 14.97 per day) 224.55
fire insurence 14 months 560
tax impound 8 months 2158.32
HOA fee 1 month 399
Total 21107.37
================
Monthly payment
principal + interest 1330.10
taxes + insurence(escrow) 708.79
Total monthly payment 2038.89
这是一个short sale,原房主欠HOA fee大约1万，银行把房价从259000降到245000，算
是cover了HOA fee和inspection以后的修理费.
我的问题是：
1.Closing cost大约11000(加欠的HOA fee一共是21000)，这个高不高？（明细在下面）
2.Monthly payment 是2038，这也觉得有点高。
恳请各位帮着参谋参谋，先谢谢了！
Closing cost:
loan company charges： 1300
Discount points(loan amount 1%) 1960
Appraisal 450
credit report 60
flood certification 16
tax service 85
escrow fee 1000
title insurance(alta policy) 700
notary 200
title insurance(owner's policy) 1200
goverment charge 150
transfer tax(sale price 0.011) 269.50
action cordinator 375
past due HOA fee 10000
interest(15 days at 14.97 per day) 224.55
fire insurence 14 months 560
tax impound 8 months 2158.32
HOA fee 1 month 399
Total 21107.37
================
Monthly payment
principal + interest 1330.10
taxes + insurence(escrow) 708.79
Total monthly payment 2038.89
