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Forum Mortagagemortgagelender L Mortgage Mortgage Lender Szh Collins Introduction Mortgage Mortgage Lender 关于shop around for loan/lender fee/credit 有些疑问 - 未名空间(mitbbs.com)

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同主题阅读：关于shop around for loan/lender fee/credit 有些疑问

[版面:家居生活][首篇作者：morningcloud] , 2012年04月26日23:30:21

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	morningcloud
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发信人: morningcloud (morning), 信区: Living
标题: 关于shop around for loan/lender fee/credit 有些疑问
发信站: BBS 未名空间站 (Thu Apr 26 23:30:21 2012, 美东)

如果说loan的term比较简单，比如说 conventional, >20% down, credit score>740(
or 750, 760),new purchase as primary residence, 为什么不同lender 给的rate/
fee 会有明显区别呢？有的lender offer credit covering all lender fee, 那他怎
么赚钱呢，给 higher interest rate than others to get money back?

一般 shop around GFE 的时候到lock rate 的时候总要有一个时间差，那拿GFE的
rate 也不可靠呀。我看本版有的大侠说不用太focus on GFE,那该怎么选择呢？
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※ 来源:·WWW 未名空间站海外: mitbbs.com 中国: mitbbs.cn·[FROM: 24.1.]

	blueangel2

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发信人: blueangel2 (Frank in Fremont), 信区: Living
标题: Re: 关于shop around for loan/lender fee/credit 有些疑问
发信站: BBS 未名空间站 (Fri Apr 27 00:29:48 2012, 美东)

不同的lender对市场的策略不同, 针对的客户群体不同, 要求的条件有宽有严, 所以提
供的rate也不一样.

同时不同的broker对同一个lender, 拿到的利率也不同, 如果broker拿的commission高
, 提供的利率就差一些, 反之就好一些.

lender是通过你付的利息来赚钱的. 同时也是用你的利息来付closing cost, 一般
lender会要求新的client在贷款之后六个月内不能再做refi, 假如一个月的利息是$
1500, 六个月是$9000, closing cost一般在$2400-$3300, 所以银行是不亏的.
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※ 来源:·WWW 未名空间站海外: mitbbs.com 中国: mitbbs.cn·[FROM: 24.6.]

	morningcloud
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发信人: morningcloud (morning), 信区: Living
标题: Re: 关于shop around for loan/lender fee/credit 有些疑问
发信站: BBS 未名空间站 (Fri Apr 27 01:42:01 2012, 美东)

thanks, blueangel2. too bad you're not in chicago...
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※ 来源:·WWW 未名空间站海外: mitbbs.com 中国: mitbbs.cn·[FROM: 24.1.]

	bed
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