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yoyo001 (Happy~yoyo) 于 (Wed Aug 1 00:15:08 2012, 美东) 提到:
6月份刚给旧房做了refinance,现在拿到一个新房的offer,要申请新的loan。两个不同
的lender，新贷款会不会有问题？
马上要定下来，急盼版上的牛人指点！谢谢！
update:谢谢大家大回复! 我联系了几个LOAN AGNET, 有两个不能做,有两个可以. 想找
个律师
问下新房贷款的问题及买了新房后能不能近期就般过去,但好象都不睬我.难道是这个问
题对他们来说太简单了吗?
另外,那个1003 是什么呀? 是deed of trust 吗? 我看了看有一条是这样的:
6. Occupancy. Borrower shall occupy, establish, and use the Property as
Borrower’s principal residence within 60 days after the execution of this
Security Instrument and shall continue to occupy the Property as
Borrower’s principal residence for at least one year after the
date of occupancy, unless Lender otherwise agrees in writing, which consent
shall not be unreasonably withheld, or unless extenuating circumstances
exist which are beyond Borrower’s control.
如果我的贷款批下来了,我可以过几个月就搬到新房子住吗? 还是一定要等一年以上,或
者要将旧房转成投资贷款.大牛们, 可以再帮我看看吗? 谢谢!
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rainhard (rainhard) 于 (Wed Aug 1 00:51:53 2012, 美东) 提到:
will this new purchase be your primary living? If yes, then you can not do
the loan since lender will not allow two primary living in one year. They
can easily find out.
But if this is the investment, then you dont have any problem as long as
your DTI is qualified.
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yoyo001 (Happy~yoyo) 于 (Wed Aug 1 09:12:27 2012, 美东) 提到:
Thank you so much for your reply! We do want to move to the new place and
use it for primary residence. I contacted two lenders for the new loan and
told them my situation. One said no, and one said yes for the new loan. If I
do get a new loan approved and move to the new place, will I get an issue
with the refinance lender? Thanks again!
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wsninmit (筷子上的芭蕾) 于 (Wed Aug 1 09:36:47 2012, 美东) 提到:
你把新房做primary没问题，因为你签署的文件中有一条就是问你会不会把做贷款的这
个房产作为primary。至于你之前重贷的房产会怎么样，没人查就没任何问题，被人查
了也就是改利率的事情，把primary改称investment而已。
Thank you so much for your reply! We do want to move to the new place and
use it for pri........
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mdrealtor (md_realtor) 于 (Wed Aug 1 10:17:32 2012, 美东) 提到:
NOD... 不过, 现在有些严格的LENDER在做了RE-FI之后的4-6月, 是不会再批新
MORTGAGE的...
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wsninmit (筷子上的芭蕾) 于 (Wed Aug 1 10:19:05 2012, 美东) 提到:
楼主已经说了是俩不同的lender。
NOD...
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mdrealtor (md_realtor) 于 (Wed Aug 1 10:21:20 2012, 美东) 提到:
LENDER在HARD PULL 你的CREDIT的时候, 是可以知道什么时候做的RE-FI... 和是不是
同一个LENDER没有关系...
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wsninmit (筷子上的芭蕾) 于 (Wed Aug 1 10:36:22 2012, 美东) 提到:
楼主6月份做的，今天8月1日，信用报告出不来新贷款的信息。
LENDER在HARD PULL 你的CREDIT的时候, 是可以知道什么时候做的RE-FI...
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mdrealtor (md_realtor) 于 (Wed Aug 1 10:58:46 2012, 美东) 提到:
就知道你会说这个时间差... LZ可以试试, 赌一下自己的运气... HOHO...
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bed (bed) 于 (Wed Aug 1 11:23:19 2012, 美东) 提到:
贷款只要你的收入够高，就可以批下来，但是这两个房子只能有一个做Primary home的
贷款，另外一个要变成investment。
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mdrealtor (md_realtor) 于 (Wed Aug 1 11:28:34 2012, 美东) 提到:
不同的LENDER有不同的POLICY吧? 前几个月, 我有客人想先RE-FI旧房子, 再买新的.
LOAN OFFICER直接说, RE-FI旧的, 6个月之内不能再贷款买新的. 后来,找了另外的
LENDER, 可以,就是RATE稍高.
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wsninmit (筷子上的芭蕾) 于 (Wed Aug 1 11:38:11 2012, 美东) 提到:
我前面很明确的说过了，没人查就嘛事没有。有人查也没什么大不了。相对于找到一个
各方面都满意的房子，贷款小case
就知道你会说这个时间差...
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mdrealtor (md_realtor) 于 (Wed Aug 1 12:10:37 2012, 美东) 提到:
NOD... 只要RATE高一点点, 就没问题了...
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bluestar23 (哈根达斯) 于 (Wed Aug 1 14:50:39 2012, 美东) 提到:
这个才是正解，以前的lender可能会被investor要求买回之前的mortgage loan，因为
那个loan是secured by primary residence mortgage，而不是investment property；
前lender有几个选择：
1. 要求LZ将那个房子refinance成investment propert；
2. Report给FBI，因为现在anti-laundry law要求lender report suspicious
activity，毕竟LZ在签之前的1003的时候claim的就是primary residence；
3. 把退回来的loan卖给其他机构投资者。
LZ要是有心，可以把签字的文件拿出来看看，1003上面有很多责任的claim。
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bed (bed) 于 (Wed Aug 1 14:55:02 2012, 美东) 提到:
只要不查到,当然没有问题,如果查到了,有的lender比较狠,直接让客人pay off贷款.
.
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mdrealtor (md_realtor) 于 (Wed Aug 1 14:59:17 2012, 美东) 提到:
谢谢, 学习了...
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mdrealtor (md_realtor) 于 (Wed Aug 1 15:00:14 2012, 美东) 提到:
我的问题是, 如果BORROWER按时付款, LENDER还会查吗?
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bed (bed) 于 (Wed Aug 1 15:05:25 2012, 美东) 提到:
如果用两个不同的lender,他们不会互相知道的.主要是Fannie Mae会查,因为这些loan
最后都到了两房手上.
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mdrealtor (md_realtor) 于 (Wed Aug 1 15:07:50 2012, 美东) 提到:
也就是说, FANNIE MAE会查, 不管BORROWER是否按时付款? 是全查,还是抽查?
loan
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panpandy (dypanpan) 于 (Wed Aug 1 19:46:56 2012, 美东) 提到:
虽然lender不同，但是距离太近了，当loan被卖到两房的时候很容易被发现，两房会迫
使之前refi的lender购回这个loan，lender吃了亏，就会要求客人把房子改成
investment property再做一次refi。
理论上refi完了要再住上1年，才没人会追究。一般情况下，如果相隔6个月，会好些，
但是像LZ的情况，被查到的可能性很大。
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yoyo001 (Happy~yoyo) 于 (Thu Aug 2 15:38:53 2012, 美东) 提到:
谢谢大家大回复! 我联系了几个LOAN AGNET, 有两个不能做,有两个可以. 想找个律师
问下但好象都不睬我.难道是这个问题对他们来说太简单了吗?
另外,那个1003 是什么呀? 是deed of trust 吗? 我看了看有一条是这样的:
6. Occupancy. Borrower shall occupy, establish, and use the Property as
Borrower’s principal residence within 60 days after the execution of this
Security Instrument and shall continue to occupy the Property as
Borrower’s principal residence for at least one year after the
date of occupancy, unless Lender otherwise agrees in writing, which consent
shall not be unreasonably withheld, or unless extenuating circumstances
exist which are beyond Borrower’s control.
大牛们, 可以再帮我看看吗? 谢谢!
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yoyo001 (Happy~yoyo) 于 (Thu Aug 2 16:08:25 2012, 美东) 提到:
谢谢蓝天使! 我没有1003表上找到那样的条款, 我应该看第几页呢?
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blueangel2 (Frank in Fremont) 于 (Thu Aug 2 20:23:18 2012, 美东) 提到:
1003上没有这一条, 只是问您的申请是自住, 还是investment.
这个说法是在你上面说的deed of trust上specify的.
在您的closing doc里, 还有一个OCCUPANCY AGREEMENT,上面说的更详细一些.
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rainhard (rainhard) 于 (Thu Aug 2 21:59:31 2012, 美东) 提到:
Let us make it simpley:
By rule, you can not get the loan.
Of course, if you want to take the chance, you can try. But you need to
consider the worst case scenario:
1. If lender figure it out ( most likely they will in your case due to the
recent refinance), you can just refinance your original primary to
investment with higher rate and close the current new purchase with primary
rate. But that make you loose the closing fee for the newly closed
refinance due to early payoff.
OR
2. Lender will believe it is misinterpretation for your loan and ask your
broker or YOU to buy back the loan.
Lenders are more strict than before and you need to be careful. If you
really love the property and don't want to take any risk, just get the
investment rate for the new purchase and refinance again a year later to
change it to the primary.
as
consent
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yoyo001 (Happy~yoyo) 于 (Fri Aug 3 00:42:56 2012, 美东) 提到:
Thanks, Rainhard and blueangel! I contacted the loan broker that handled my
refinance. Surprisingly he told me that I can get a new loan with primary
residence rate as long as I choose a different lender for the new loan. Does
it mean it is doable?
If I sell my current house after I get the new one, would I be safe then?
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rainhard (rainhard) 于 (Fri Aug 3 01:09:30 2012, 美东) 提到:
If you sell your current property first before purchasing the new one, you
are fine but you need to pay the early payoff penalty.
If you purchase your new property first, new lender will easily detect the
refinace you have done, you can not have two primary in same year.
Well if you are lucky enough and lenders don't detect at all, you have SUPER
GOOD RP and send me some Baozi :)
my
Does
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bed (bed) 于 (Fri Aug 3 02:11:55 2012, 美东) 提到:
你的loan doc里面写着你要住满一年的条款.
