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loan approval之后降低房价

loan approval之后降低房价# Living

I*42013-03-21 07:03

1 楼

之前loan据loan officer说已经approve了，现在因为appraisal的原因房价降低了，贷
款额度减小，这种情况下需要几天才能出loan documents？closing就在下周，现在还
没收到underwriter根据新价格出的disclosures，会有问题吗？现在可以remove loan
contingency吗？

n*92013-03-21 07:03

2 楼

do you mean that appraised value is less than contracted price?

loan

【在 I****4 的大作中提到】

: 之前loan据loan officer说已经approve了，现在因为appraisal的原因房价降低了，贷
: 款额度减小，这种情况下需要几天才能出loan documents？closing就在下周，现在还
: 没收到underwriter根据新价格出的disclosures，会有问题吗？现在可以remove loan
: contingency吗？

I*42013-03-21 07:03

3 楼

yes

【在 n*******9 的大作中提到】

: do you mean that appraised value is less than contracted price?
:
: loan

n*92013-03-21 07:03

4 楼

if you still have your financing contingency, check and see what kind of
working on it. typically you can go back to the seller to tell them either
re-do appraisal on their cost or lower the price. or you can walk away if
you can not fill in the gap. if you really like the property and you are
local market is very hot, your only solution is to get more cash down and
close it.

【在 I****4 的大作中提到】

: yes

I*42013-03-21 07:03

5 楼

thanks!
The price is already been lowered. I guess my question is how would that
affect the loan approval process and how many additional days does it
usually take to get a final approval for the new loan amount...

【在 n*******9 的大作中提到】

: if you still have your financing contingency, check and see what kind of
: working on it. typically you can go back to the seller to tell them either
: re-do appraisal on their cost or lower the price. or you can walk away if
: you can not fill in the gap. if you really like the property and you are
: local market is very hot, your only solution is to get more cash down and
: close it.

I*A2013-03-21 07:03

6 楼

Borrowers changes their loan amount just before closing. In most cases, APR
will remain the same or very close; but if APR is now 1/8 lower or higher
than originally-disclosed APR,it needs to be redisclosed and wait 3 or 6
days based on method of delivery.For details, it is better to check with
your loan agent.

【在 I****4 的大作中提到】

: thanks!
: The price is already been lowered. I guess my question is how would that
: affect the loan approval process and how many additional days does it
: usually take to get a final approval for the new loan amount...