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Mortgage prepayment question
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Mortgage prepayment question# Living
l*e
1
别忘记给我 email address.
I copied and pasted 2 job descriptions below. Please roll down to the bottom
for the 2nd job description.
==== 1 ====
JOB DESCRIPTION Are you interested in being part of AWS, the industry
leading cloud computing platform? Are you excited about developing critical
infrastructure software at a scale unprecedented in the industry today?
We are looking for a software engineer who would be excited about the global
infrastructure for AWS. In this position, you will be part of a team that
designs and implements the software tools/services supporting Amazon
expanding data centers globally. You will be a significant contributor to
the team and will have plenty of opportunities to solve complex and broad
problems within an environment that is massive, fast-paced, spans multiple
data centers and multiple countries. Successful candidates should be
passionate about building enterprise level systems for cloud computing,
providing an exceptional customer experience, and writing high quality, well
tested, and maintainable code in a fast paced, agile development
environment.
Responsibilities:
- Translate functional and technical requirements into detailed design and
working software solutions.
- Code and test system components; participate in code and design reviews.
- Demonstrate ownership of end-to-end code quality, system tests, functional
tests, and integration.
- Partner/Collaborate across teams/roles to deliver results.
- Collaborate with other engineers to propose overall system architecture,
scalability, reliability, and performance.
Are you interested in being part of AWS, the industry leading cloud
computing platform? Are you excited about developing critical infrastructure
software at a scale unprecedented in the industry today?
We are looking for a software engineer who would be excited about the global
infrastructure for AWS. In this position, you will be part of a team that
designs and implements the software tools/services supporting Amazon
expanding data centers globally. You will be a significant contributor to
the team and will have plenty of opportunities to solve complex and broad
problems within an environment that is massive, fast-paced, spans multiple
data centers and multiple countries. Successful candidates should be
passionate about building enterprise level systems for cloud computing,
providing an exceptional customer experience, and writing high quality, well
tested, and maintainable code in a fast paced, agile development
environment.
Responsibilities:
- Translate functional and technical requirements into detailed design and
working software solutions.
- Code and test system components; participate in code and design reviews.
- Demonstrate ownership of end-to-end code quality, system tests, functional
tests, and integration.
- Partner/Collaborate across teams/roles to deliver results.
- Collaborate with other engineers to propose overall system architecture,
scalability, reliability, and performance.
BASIC QUALIFICATIONS - Bachelor’s degree or higher in computer science (or
equivalent)
- 6+ years of software development experience
- Proficiency with one of the modern programming languages preferably in
Java, C#, Ruby, JavaScript
- Proficiency with object-oriented design, data structures, and algorithms
- Ability to effectively articulate technical challenges and solutions
- Solid communication skills and ability to work well in a team are critical.
PREFERRED QUALIFICATIONS - Strong customer focus
- Experience delivering and operating large scale, highly available
distributed systems.
- Experience with database systems, query optimization, and storage systems.
- Possess excellent communication, sharp analytical abilities, and proven
design skills.
- Experience influencing software engineering best practices within your
team.
==== 2 ====
JOB DESCRIPTION Are you interested in developing critical core
infrastructure software in an industry leading technology company at a scale
unprecedented in the industry today?
We are looking for a software engineer with experience creating robust and
scalable services and who would be excited to help build the global
infrastructure for Amazon.com. In this position, you will be part of a team
that designs and implements the software tools/services to monitor Amazon
expanding data center servers and drive disaster recovery. You will be a
significant contributor to our team and will have plenty of opportunities to
solve complex and broad problems within an environment that is massive,
fast-paced, spans multiple data centers and multiple countries, which
provides services to many thousands of customers. Successful candidates
should be passionate about building enterprise level systems for cloud
computing, providing an exceptional customer experience, and writing high
quality, well tested, and maintainable code in a fast paced, agile
development environment. BASIC QUALIFICATIONS - Bachelor’s degree or higher
in computer science (or equivalent)
- Proficiency with one of the modern programming languages preferably in
Java, C#, C/C++, Ruby
- Proficiency with object-oriented design, data structures, and algorithms
- Familiarity with web services, distributed systems, asynchronous messaging
, and network protocols PREFERRED QUALIFICATIONS - Deal well with ambiguous/
undefined problems
- Ability to think abstractly
- Experience with distributed computing and enterprise-wide systems
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C*a
2
We took out a mortgage a few months ago. Now, four months later, we don't
need the money anymore and want to pay off the mortgage. I heard that
mortgages are not supposed to be paid off within 6 months or one year even
without prepayment penalty. If we pay off our mortgage within 6 months,
would that harm our loan broker in anyway? Our loan broker is a friend.
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l*4
3
这种组一看就oncall到死。
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c*j
4
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S*5
5
面挂其他组的是不是不能投了
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p*y
6
赞有钱!
是的,最好只是pay 6个payment之后在pay off,否则lender会要求broker退回部分乃
至全部佣金。这种规定的主要原因是lender会认为borrower本不需要借钱,之所以借钱
是因为broker想挣佣金。
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Y*n
7
楼主你好,已经私信你了,非常感谢!
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f*i
8
怕给agent惹麻烦的话,先付一半再说

【在 p******y 的大作中提到】
: 赞有钱!
: 是的,最好只是pay 6个payment之后在pay off,否则lender会要求broker退回部分乃
: 至全部佣金。这种规定的主要原因是lender会认为borrower本不需要借钱,之所以借钱
: 是因为broker想挣佣金。

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l*e
9
:这种组一看就oncall到死。
This is not correct. Please do not polute others with your own impression.
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C*a
10
Thanks for the info! It should be safe for the broker if we pay off after 6
payments, right?

【在 p******y 的大作中提到】
: 赞有钱!
: 是的,最好只是pay 6个payment之后在pay off,否则lender会要求broker退回部分乃
: 至全部佣金。这种规定的主要原因是lender会认为borrower本不需要借钱,之所以借钱
: 是因为broker想挣佣金。

avatar
j*l
11
那你具体解释一下啊

【在 l******e 的大作中提到】
: :这种组一看就oncall到死。
: This is not correct. Please do not polute others with your own impression.

avatar
k*a
12
Check with the agent or the lender for the minimum period, range from 4 - 10
months and vary between lenders...

6

【在 C******a 的大作中提到】
: Thanks for the info! It should be safe for the broker if we pay off after 6
: payments, right?

avatar
l*4
13
别洗地好吗 谁不知道AWS oncall多?

【在 l******e 的大作中提到】
: :这种组一看就oncall到死。
: This is not correct. Please do not polute others with your own impression.

avatar
F*p
14
先付90%,最后10%留到一年后付清。
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b*o
15
你在close的时候应该会签一份关于6个月就refinance的文件的。
如果你没有签,我觉得就没有任何罚款。

【在 C******a 的大作中提到】
: We took out a mortgage a few months ago. Now, four months later, we don't
: need the money anymore and want to pay off the mortgage. I heard that
: mortgages are not supposed to be paid off within 6 months or one year even
: without prepayment penalty. If we pay off our mortgage within 6 months,
: would that harm our loan broker in anyway? Our loan broker is a friend.

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