大家refinance的过程要多久啊

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nyclily
楼主 (北美华人网)
6月初开始联系,lock利率2.99%-30year,到现在今天说还要等,也不知道等多久。
aq2016
一般一个月左右吧,我家是6月中lock,7月中close, 上周旧的escrow account 的余额也用check退回了,9月开始付新的mortgage。 最近做的人多,他们是比较忙,但是这也太久了。你马上再联系他们。其实7月时候的利率在最低点,比6月锁的更好,但是上周突然利率又上升一点了。
Skyisthelimit
Mine just recorded today, It took almost 2 months.
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lunchmm
你的broker不行 换一个.
华!
楼上的都是jumbo 吗?
skewers
这个时间也太长了,换个agent吧,我找的agent每天催我要这个那个,可是动作很快,刚收到通知close,前后不到3个星期。
summerromance
请问refinance要注意什么呢? 需要付哪些手续费用。
xfx
你这被拖拉了。一般一个把月都搞定了
essentialkey
本来要到我们的,但是underwriter要一个文件,偏偏现在银行特别慢,最后就说我们需要重新排队了,这已经一个多月了,还要再等两周,哎
chore
你的broker有没有说是在等什么呢?
有的broker是在觉得更低的rate会出现所以会劝你等。
如果是等第三方的操作,不太可能,银行quote 利率和批准贷款都用不了几天。
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nyclily
回复 10楼chore的帖子
就是说业务量大。不过说利率给降到了2.75%。
I 100% guarantee that there is NO issue at all with the approval or anything else. We will be getting our underwriting approval/update in the next several weeks on this and will get it closed for you.    Now for the GREAT news…  I have indeed already floated your rate down to 2.75% on the 30 year fixed refinance. With that this is also keeping it with NO points, NO lender/origination fees, and NO out of pocket costs at all. I will continue to monitor it as well as there may be an opportunity to float it down even lower. So this is a benefit of it taking so long to get closed.
这要是没办成,能用这信投诉他吗?
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iicy
你们没有被通知付0.5%费吗?据说是新政策
馒头妹妹
现在2.75应该算很好的利率了吧 这个邮件应该可以算证据了
回复 10楼chore的帖子
就是说业务量大。不过说利率给降到了2.75%。 I 100% guarantee that there is NO issue at all with the approval or anything else. We will be getting our underwriting approval/update in the next several weeks on this and will get it closed for you.  Now for the GREAT news…  I have indeed already floated your rate down to 2.75% on the 30 year fixed refinance. With that this is also keeping it with NO points, NO lender/origination fees, and NO out of pocket costs at all. I will continue to monitor it as well as there may be an opportunity to float it down even lower. So this is a benefit of it taking so long to get closed.这要是没办成,能用这信投诉他吗?
nyclily 发表于 8/19/2020 4:54:51 PM
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qingr67
换一个broker问问呗