Other programs may be referred to as "loan modification" but could hurt your credit scores because they are actually debt settlement. Intentionally allowing a mortgage or any debt to become delinquent will result in the account payments being shown as late in your credit history, and your credit scores will suffer.
Other programs may be referred to as "loan modification" but could hurt your credit scores because they are actually debt settlement. Intentionally allowing a mortgage or any debt to become delinquent will result in the account payments being shown as late in your credit history, and your credit scores will suffer. sssccc 发表于 6/7/2019 8:16:32 AM
现在银行给了个选择
可以直接做Loan Amendment
只要求签封同意信邮寄回去
下个月就把利率改到锁的新利率
其它Loan Terms都不变
和Refinance比会早付清半年
(现在的Loan付了半年)
请问有人这样做过么
和传统Refinance比有没有不好的地方?
会影响以后再Refinance么?
看起来好像没啥问题
[url=https://www.reddit.com/r/personalfinance/comments/b7d0hd/a_good_wells_fargo_story_loan_amendment_for_a/]https://www.reddit.com/r/personalfinance/comments/b7d0hd/a_good_wells_fargo_story_loan_amendment_for_a/
月付比网上计算器算的多了几块钱
可能是因为剩下的payment不到30年了?
REFIANNCE有费用。AMENDMENT是同一个LOAN不会有费用。而且TERM还款期限不会拉长錒。多好。
嗯，明天去确认下以后再refinance没限制
没问题就签了
确认了
不影响将来refinance
除了利率降低
其它都不变
比过了，锁了利率
然后开始refinance
提交了申请几天后
银行给了这个选择
bucuo
Other programs may be referred to as "loan modification" but could hurt your credit scores because they are actually debt settlement. Intentionally allowing a mortgage or any debt to become delinquent will result in the account payments being shown as late in your credit history, and your credit scores will suffer.
那个是不一样的program
08危机后好多房子在水下付不出贷款
o8政府出台了新政策
银行为了避免foreclosure
允许减债降低月付
这种loan amendment会限制再贷款
也会损伤信用
因为实际上银行损失了一定的贷款额
现在这个是pre selected offer
对于贷款类型不变，信用分高
贷款还贷正常
个人财政状况没有变化的客户
refinance申请后查过信用分后
系统做了风险评估后给的offer
目的是简化流程降低费用
听loan agent说大概是百分之几的比例
我估计信用分会降点
因为查了次信用分
应该不会降很多
嗯，是的
同一银行
贷款类型贷款人都不能变
另外贷款银行必须是贷款的直接owner
如果贷款转卖了应该就不行了