有一个lender, 要求reserves 50% cash, 50% stocks or 401k. The loan officer told me, they can also apply for exceptions with their managers to make reserves 100% 401k or stocks instead of half cash, half stocks or 401k. The same is true for interest rates, loan officers can get exceptions from their managers, like 0.125 less etc. What is your experience? Thank you in advance.
有一个lender, 要求reserves 50% cash, 50% stocks or 401k.
The loan officer told me, they can also apply for exceptions with their managers to make reserves 100% 401k or stocks instead of half cash, half stocks or 401k.
The same is true for interest rates, loan officers can get exceptions from their managers, like 0.125 less etc.
What is your experience?
Thank you in advance.
按说401k是75%， 因为拿出来会有penalty。但股市都跌这样了，或许接着跌，怎能100%的算401k。银行都是往保守的地方看齐。除非是predatory lending（illegal）