看房子下offer之前是不是要把loan搞定了？ - 未名空间MITBBS历史存档

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看房子下offer之前是不是要把loan搞定了？

看房子下offer之前是不是要把loan搞定了？# Living

b*k2012-09-07 07:09

1 楼

我们刚开始看房子两周，本来在mitbbs考古的感觉是要到deal谈好close之前才要去
broker那里把loan搞好的，结果昨天看了个不错的房子有点想offer下，agent和我们说
下offer之前要把loan搞好才行。。一般惯例是这样么？可是搞loan难道不需要买的房
子的具体信息？

Q*N2012-09-07 07:09

2 楼

PRE-qualify letter from bank or loan agent. Bank's is better.
In bay area, almost all sellers require loan pre-qualify letter ( some time
called pre-approval, although they are different) when you submit an offer.

【在 b******k 的大作中提到】

: 我们刚开始看房子两周，本来在mitbbs考古的感觉是要到deal谈好close之前才要去
: broker那里把loan搞好的，结果昨天看了个不错的房子有点想offer下，agent和我们说
: 下offer之前要把loan搞好才行。。一般惯例是这样么？可是搞loan难道不需要买的房
: 子的具体信息？

b*k2012-09-07 07:09

3 楼

这样呀多谢多谢！另外我给你gmail发信了请查收:)
bank的话哪家推荐？

time

【在 Q***N 的大作中提到】

: PRE-qualify letter from bank or loan agent. Bank's is better.
: In bay area, almost all sellers require loan pre-qualify letter ( some time
: called pre-approval, although they are different) when you submit an offer.

Q*N2012-09-07 07:09

4 楼

PRE-QUALIFY LETTER from bank is better, Any big bank, such as BOA, CHASE,
WELLS FARGO.
After you get contract, then you can shop around for the loan. You can
choose anyone you want, no necessary from the bank who provide the letter.

【在 b******k 的大作中提到】

: 这样呀多谢多谢！另外我给你gmail发信了请查收:)
: bank的话哪家推荐？
:
: time

b*k2012-09-07 07:09

5 楼

谢谢！刚去BOA网站看了眼，他们似乎有个自动生成的prequalify,只要SSN就行：
https://www7.bankofamerica.com/home-loans/mortgage/leads-and-prequal/
mortgage-prequal.go?dmcode=18098364096&cm_re=CRE-HomeLoans-_-HomeLoansRampUp
-_-CA38LT0002_MortgagePurchaseOverviewPage_GetPrequalified&subCampCode=98787&
请问这个一般能用么？seller一般接受不？

【在 Q***N 的大作中提到】

: PRE-QUALIFY LETTER from bank is better, Any big bank, such as BOA, CHASE,
: WELLS FARGO.
: After you get contract, then you can shop around for the loan. You can
: choose anyone you want, no necessary from the bank who provide the letter.

Q*N2012-09-07 07:09

6 楼

只要有BOA的签字, 有PRE-QUALIFY的贷款额,应该可以.

HomeLoansRampUp
98787&

【在 b******k 的大作中提到】

: 谢谢！刚去BOA网站看了眼，他们似乎有个自动生成的prequalify,只要SSN就行：
: https://www7.bankofamerica.com/home-loans/mortgage/leads-and-prequal/
: mortgage-prequal.go?dmcode=18098364096&cm_re=CRE-HomeLoans-_-HomeLoansRampUp
: -_-CA38LT0002_MortgagePurchaseOverviewPage_GetPrequalified&subCampCode=98787&
: 请问这个一般能用么？seller一般接受不？