新手第一次refinance, 经常听说不要星期五close和星期一settle, 这个close date 是不是就是去office 签字的date啊? 我看HUD上的settlement date 是签字那天,funding date 是3天以后.
r*d
2 楼
Try to avoid funding date on Friday. Close date will be the next bussiness day after funding. If you fund on Friday, lender will start charging your interest but you can not close till Monday. So you will pay 4 days interests for both lenders. It will be 2 days overlapping between two lenders. it doesn't matter which day you sign.
【在 m***o 的大作中提到】 : 新手第一次refinance, 经常听说不要星期五close和星期一settle, : 这个close date 是不是就是去office 签字的date啊? : 我看HUD上的settlement date 是签字那天,funding date 是3天以后.
Thanks a lot. 包子答谢! 我在HUD上找不到close date,就误以为close date 就是去签HUD的那天. 还请教个问题,在HUD上,我看见901项上有daily interest charge from 这个月 funding date 到2/1.然后在后面borrower loan payoff details 看见Per Diem interest 从这月初到1/16. 需要pay interest twice 吗? 包子答谢!!
bussiness
【在 r******d 的大作中提到】 : Try to avoid funding date on Friday. Close date will be the next bussiness : day after funding. If you fund on Friday, lender will start charging your : interest but you can not close till Monday. So you will pay 4 days : interests for both lenders. It will be 2 days overlapping between two : lenders. : it doesn't matter which day you sign.
b*d
5 楼
有两天的overlap interest,这个是无法避免的。
【在 m***o 的大作中提到】 : Thanks a lot. 包子答谢! : 我在HUD上找不到close date,就误以为close date 就是去签HUD的那天. : 还请教个问题,在HUD上,我看见901项上有daily interest charge from 这个月 : funding date 到2/1.然后在后面borrower loan payoff details 看见Per Diem : interest 从这月初到1/16. : 需要pay interest twice 吗? : 包子答谢!! : : bussiness
next due will be March 1st to pay the Feb mortgage.
is
【在 m***o 的大作中提到】 : 明白了!就是我的overlap days稍长一些! : 多谢多谢! : 还有一个问题。我已经付了1月的贷款,the next due date for my current loan is : 2/1. : 那为什么我还要付current borrower利息呢? : : 的,
r*d
16 楼
the mortgage payment due on first day of every month is always the payment for previous one. 1/1 due will be the Dec mortgage and 2/1 due will be the Jan. mortgage....etc
is
【在 m***o 的大作中提到】 : 明白了!就是我的overlap days稍长一些! : 多谢多谢! : 还有一个问题。我已经付了1月的贷款,the next due date for my current loan is : 2/1. : 那为什么我还要付current borrower利息呢? : : 的,
o*p
17 楼
just remember three days: Signing day (any day) Funding day (avoid any business day before holiday, i.e. Friday) Recording day/closing day (normally one business day after funding day in Southern CA). Two days interest overlap is standard and normal (Funding day and recording day). Everything is estimation until you receive final closing statement prepared after recording with the county.
【在 m***o 的大作中提到】 : 新手第一次refinance, 经常听说不要星期五close和星期一settle, : 这个close date 是不是就是去office 签字的date啊? : 我看HUD上的settlement date 是签字那天,funding date 是3天以后.