N7怎么买便宜? - 未名空间MITBBS历史存档

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N7怎么买便宜?

N7怎么买便宜?# PDA - 掌中宝

p*p2012-09-14 07:09

1 楼

We are shopping for mortgage and in the process of talking to banks. Just
found out that our credit score will drop as a result of the hit. In that
case, if we talk to multiple lenders, are we going to get too much hit in
credit score, thus might have to pay a higher rate down the line? I wonder
how everyone else did this. Appreciate it if you can share your experience
or maybe my understanding of the credit hit is not correct? Thanks.

e*t2012-09-14 07:09

2 楼

ast

c*e2012-09-14 07:09

3 楼

1、你可以和多个lender或mortgage broker谈。只要提供你所需贷款的基本情况，所有
的lender和broker都可以给你报价。只要不交loan application，就不会有inquiry to
your credit report，就不会影响你的credit score；
2、你可找多个lender或mortgage broker要当前的利率及GFE（Good Faith Estimate）
，然后比较各个offer之间的差别；
3、除了比较利率和各项费用（即closing cost），还要留心各家的服务质量和口碑。
要尽量找能为你的利益着想的、想方设法为你提供有创造性的方案的lender或broker。
这一点其实是最重要的。

wonder
experience

【在 p***p 的大作中提到】

: We are shopping for mortgage and in the process of talking to banks. Just
: found out that our credit score will drop as a result of the hit. In that
: case, if we talk to multiple lenders, are we going to get too much hit in
: credit score, thus might have to pay a higher rate down the line? I wonder
: how everyone else did this. Appreciate it if you can share your experience
: or maybe my understanding of the credit hit is not correct? Thanks.