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Refi一般多久必须lock?
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Refi一般多久必须lock?# Living
a*e
1
搁了4个多月哪,再不出,我就准备没收了哈
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m*3
2
上次面试的时候问道,感觉回答的不够好, 想问问大家怎么回答的。谢谢。
1.what's your weakness.
2.how to cope with deadline pressure
3.what's your five year plan
4.how do you prioritize your projects.
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w*b
3
是中国要买希腊bond了么?
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l*r
4
大概三四周前开始在一个broker那里做refi,准备材料,等management 填condo
questionnaire,等appraisal。昨天全部做完了,给了一个rate 3.75,我们是jumbo
loan,在NJ。我们说等等。今天来email,说rate又差了,今天lock的话,还可以定在3
.75上,再等就要3.875了。
我问他我们有多长时间必须lock,他说还有一周!怎么可能!appraisal才做完不到一
周,还有什么其他材料是有时效性的?
★ 发自iPhone App: ChineseWeb 7.8
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L*3
5
那我这6个多月的怎么办。。。。
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S*e
6
Don't give some cheesy answer, tell the truth but it can still help you.
1. depending on your level, you can name a weakness that most of the people
with your experience don't have. For example, if you are a new grad, say
your weakness your leadership skill needs to be improved. Its a real
weakness, but it shows that you are thinking more than just what they
interview for.
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n*e
7
3。75不算差了
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z*f
8
我这都一年多了

【在 L*3 的大作中提到】
: 那我这6个多月的怎么办。。。。
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S*e
9
Deadline pressure:
Talk about its also your goal to release a product on time, so you are
willing to work extra to make it happen. However if this is recurring theme,
talk about there could be a problem with planning/scoping, share your
thoughts on how this can be improved. Because a good employer doesn't want
to constantly stress its employees either.
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l*r
10
最近不是rate差嘛,想等等。。。refi时间上不应该那么紧啊。
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L*1
11
co
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S*e
12
Share your real five years plan.BE honest.
If you are interested in management role, say you want to be given
opportunity to lead a small team after you prove yourself.
If yyou are about technology, say you want to keep learning the technology
and become the go to person for the technology in the team.
If you want to start your own company also say so, compliment how the
potential employer can help get the skills and connection to achieve this.
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l*r
13
刚刚通过email,才了解到broker居然在我们还没有lock rate的情况下,就把loan给
submit了!他就是等appraisal一下来,就直接让loan officer把loan给submit了,根
本没问我们要不要submit,rate都没给我quote,最近一次quote rate还是在三星期前我
最早联系他的时候给的一个preliminary rate,根本不作数的。
哪有这种事!我现在email质问他怎么连rate都没lock你就把loan给submit了呢?各位
大虾,是我理解不对,还是这人业务有问题,这是什么事儿啊?!
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D*0
14
你这个估计是神医给忘了,拆了用吧

【在 z***f 的大作中提到】
: 我这都一年多了
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S*e
15
How to prioritize your projects:
Align your person ptriority with the company's priority and vision. This is
question is too open, I don't think its very easy to mess up.
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n*e
16
my recent refin was like that. let the bank review all the document first
then lock the rate. it will be much faster this way, and you can use 30 days
lock.
But my agent is a very honest person, I totally trust her. you case might be
different.

【在 l********r 的大作中提到】
: 刚刚通过email,才了解到broker居然在我们还没有lock rate的情况下,就把loan给
: submit了!他就是等appraisal一下来,就直接让loan officer把loan给submit了,根
: 本没问我们要不要submit,rate都没给我quote,最近一次quote rate还是在三星期前我
: 最早联系他的时候给的一个preliminary rate,根本不作数的。
: 哪有这种事!我现在email质问他怎么连rate都没lock你就把loan给submit了呢?各位
: 大虾,是我理解不对,还是这人业务有问题,这是什么事儿啊?!

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R*d
17
Thanks for sharing! Let me put them together.
发信人: Stevee (frank), 信区: JobHunting
标 题: Re: 面试的时候这几个问题怎么回答
发信站: BBS 未名空间站 (Sat Nov 16 11:21:41 2013, 美东)
上次面试的时候问道,感觉回答的不够好, 想问问大家怎么回答的。谢谢。
1.what's your weakness.
Don't give some cheesy answer, tell the truth but it can still help you. 1.
depending on your level, you can name a weakness that most of the people
with your experience don't have. For example, if you are a new grad, say
your weakness your leadership skill needs to be improved. Its a real
weakness, but it shows that you are thinking more than just what they
interview for.
2.how to cope with deadline pressure
Deadline pressure:
Talk about its also your goal to release a product on time, so you are
willing to work extra to make it happen. However if this is recurring theme,
talk about there could be a problem with planning/scoping, share your
thoughts on how this can be improved. Because a good employer doesn't want
to constantly stress its employees either.
3.what's your five year plan
hare your real five years plan.BE honest.
If you are interested in management role, say you want to be given
opportunity to lead a small team after you prove yourself.
If yyou are about technology, say you want to keep learning the technology
and become the go to person for the technology in the team. If you want to
start your own company also say so, compliment how the potential employer
can help get the skills and connection to achieve this.
4.how do you prioritize your projects.
How to prioritize your projects:
Align your person ptriority with the company's priority and vision. This is
question is too open, I don't think its very easy to mess up.
avatar
p*y
18
refi没啥时间要求,appraisal四个月有效。jumbo 3.75%不错了。
如果不是lender要求不锁rate就不看loan的话,LZ的broker没做错。只不过,没人能保
证等一等rate一定会降,LZ的broker不过是希望LZ尽快做决定,能把这个loan完成。
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S*e
19
One example of cheesy answer for the first question:
You like to work hard, sometimes its too hard, you don't have work/life
balance.
Is it a real weakness? To me, yes, but interviewers might have heard this
many times. Also if I am a manager, its not a culture I want to promote in
my team.
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P*0
20
It is very easy to answer ANY technical and/or behavior questions using a
three-step sandwich procedure (e.g., weakness question):
(1) Repeat
(2) Respond
(3) Redirect
(1) Repeat:
"It is an important/interesting/... question, thanks for bringing it up. So
you are asking ...., is it right?". After the positive response:
(2) Respond (the key part of the answer) using three parts: what it is, why
it is, and how you deal with it. Let me use a severe weakness as an example
, always being late.
"I had been often late for meetings and appointments in the past." - what it
is.
"I realized that I was not mature then and decided to change 6 months ago."
- be honest with why it is,
"I made a commitment then to never ever be late for anything, and I did.
Here is my planner and I set clock 15 mins ahead of every appointment since
then", and show him or her your personal planner or cellphone calendar. -
how you deal with it.
(3) Redirect
"It is imperative for me to learn and to mature, and using this example as a
demonstration how I have the commitment to be better and bring benefits to
... company/group/team. I am confident that I am self-disciplined to
continue refraining myself from being late. I am eager to complement your
services/teams and contribute to your best interests for this great team
using my talents and skills, can I work with you now?"
--------------
Really difficult question can be: we are using xxx technique which is
different from what you are having. So what is your opinion?
Repeat: Thanks for bringing it up and it is an intriguing question, so you
are using xxx technique, is it right?
Respond: That is the exactly the same reason that I can better contribute
for your team. Because yyy technique can well complement/match/meet/suit
for your xxx technique in ..... areas. I am excited to harmonize the
benefits of xxx and yyy techniques under your supervision." (you need to
use the EXACT same reason they refuse you as the reason they shall hire you.)
Redirect:"I really appreciate that you bring this interesting point, and I
am confident that using my knowledge and skills I can bring all the benefits
to xxx area and make it more profitable/vital/.... product/services for ...
company, and I am dedicated to doing so. Do you want to bring me up to
deliver these benefits?"
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