请教贷款问题# Living
s*g
1 楼
第一次买房，对于贷款一头雾水。诚心请教一下懂贷款的朋友关于两个贷款公司给的报
价。房子四月初close, 15yrs fix, 20% down.今天接到两个报价，因为两个不论是
interest rate还是closing costs,都相差太多。所以请版上懂贷款的朋友帮我看看。
这两个报价应该选哪个。还有就是那个报价很低的，会不会里面有什么hidden fee没有
加上去？我现在能从两个对比中看到的就是貌似报价2(便宜的）没有include Title
Ins - Owners coverage这笔 (差不多有$2000)。 不知道除了这一项，还有什么事没
有算进去的。而且一般来说，最后做出来的loan paper会和这个estimate差很多吗？因
为是贷款菜鸟，所以问题比较多＝）非常谢谢！
报价1: Wells Fargo - interest rate: 3.00%
* Origination charge: $1,190.00;
* Credit or point for interest rate chose: ($1,320.77);
* Credit Report: $22.00;
* Appraisal: $395.00;
* Tax service fee: $105.00;
* Flood Life of Loan Fee: $19.00;
* Title Ins - Lender Coverage: $100.00;
* Title Ins - Owners Coverage: $1,912.94;
* Endorsement to Title - all: $240.00;
* Closing/Escrow/Settlement: $600.00;
* TX Policy Guaranty fee: $2.00;
* Recording Fee - deed: $15.00;
* Recording Fee - MRTG/DOT: $135.00;
* Survey: $500.00;
* Courier/MSNGR - 3rd party: $100.00;
--------------
* TOTAL Closing Fee: $4,015.17
@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@
报价２：lender broker - interest rate: 2.75%
* Underwriting Fee: $695.00;
* Attorney Fee: $300.00;
* lender Credit: ($1,651.20);
* escrow waiver fee (if selected 0.25% of your loan size): $600.00;
* Appraisal Fee: $425.00;
* Credit Report Fee: $20.00;
* Closing/Escrow Fee: $150.00;
* Lender's Title Insurance: $250.00;
* TX Guaranty Fee: $5.00;
* Mortgage Recording Charge: $100.00;
* Deed Recording Charge: $24.00;
* Est. Prepaid Item Reserves: $90.41
----------------
* Total Closing Fee: $1,008.21
价。房子四月初close, 15yrs fix, 20% down.今天接到两个报价，因为两个不论是
interest rate还是closing costs,都相差太多。所以请版上懂贷款的朋友帮我看看。
这两个报价应该选哪个。还有就是那个报价很低的，会不会里面有什么hidden fee没有
加上去？我现在能从两个对比中看到的就是貌似报价2(便宜的）没有include Title
Ins - Owners coverage这笔 (差不多有$2000)。 不知道除了这一项，还有什么事没
有算进去的。而且一般来说，最后做出来的loan paper会和这个estimate差很多吗？因
为是贷款菜鸟，所以问题比较多＝）非常谢谢！
报价1: Wells Fargo - interest rate: 3.00%
* Origination charge: $1,190.00;
* Credit or point for interest rate chose: ($1,320.77);
* Credit Report: $22.00;
* Appraisal: $395.00;
* Tax service fee: $105.00;
* Flood Life of Loan Fee: $19.00;
* Title Ins - Lender Coverage: $100.00;
* Title Ins - Owners Coverage: $1,912.94;
* Endorsement to Title - all: $240.00;
* Closing/Escrow/Settlement: $600.00;
* TX Policy Guaranty fee: $2.00;
* Recording Fee - deed: $15.00;
* Recording Fee - MRTG/DOT: $135.00;
* Survey: $500.00;
* Courier/MSNGR - 3rd party: $100.00;
--------------
* TOTAL Closing Fee: $4,015.17
@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@
报价２：lender broker - interest rate: 2.75%
* Underwriting Fee: $695.00;
* Attorney Fee: $300.00;
* lender Credit: ($1,651.20);
* escrow waiver fee (if selected 0.25% of your loan size): $600.00;
* Appraisal Fee: $425.00;
* Credit Report Fee: $20.00;
* Closing/Escrow Fee: $150.00;
* Lender's Title Insurance: $250.00;
* TX Guaranty Fee: $5.00;
* Mortgage Recording Charge: $100.00;
* Deed Recording Charge: $24.00;
* Est. Prepaid Item Reserves: $90.41
----------------
* Total Closing Fee: $1,008.21
