【 在 aloha1 (aloha) 的大作中提到: 】 a lender is offering 3.875% for 30y fixed, is it good at this point? thanks Very good if the closing cost is reasonable and there is no points added. But however, it is too good and sounds fishy! Mine locked a couple weeks ago is around 4.25% 30 year fixed from a very competitive lender with low closing cost for that rate.
Please remember that you can not view the rate in isolation. It's a combination of closing cost and rate!
Pre-approval can be totally independent other than that you get one more credit pull from pre-approval company if you use different lender at the end. With pre-approval, if my preferred lender is slow in responding, I use one my realtor recommend. Then I can get almost on demand customized pre- approval letter to make offers (they works well with my realtor during that stage). Once an offer get accepted, I compare this pre-approval's rate with my best rate, if the pre-approval guy's rate is just a couple hundred dollars more expensive, I will reward them with my loan. However, often it is more than a thousand dollars expensive. Then sorry, your ten minutes efforts provided earlier does not warrant that kind of price tag.
另外贷款新人还有几个初级问题想要请教大家：
1.我是不是对比了各家利率后，拿pre-approval letter要方便些？有什么坏处么？
2.我之前只知道各大银行做贷款，但是现在好像agent都推荐一些私人公司lender，我
完全不了解的公司，local lender，这种靠谱么？跟大银行比优势在哪儿呢？有什么坏处么？
谢谢！
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回单一下你的问题
1.一般来说你可以先拿一个Pre-approval， 然后等房子看好了再去shop around for
mortgage rate. 因为利率每天都在变化，而你看房可能需要一个月甚至更久，那么
lender给你的利率由于市场变化也会和之前不同。
2.对比大银行，mortgage 公司一般利率更competitive,服务更加高效，随时可以接电
话，帮你解决问题,处理case的时间也很快。
如果您有任何问题，可以随时联系我；
谢谢！
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200k. Thanks .
谢！
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名的2倍.很多Mortgage公司把贷款卖给我们银行. 大家觉得买东西是零售商的价格更有优势还是工厂出厂价更有优势? 至于服务,我的客户都有我的手机号码,而且我们银行的在线系统方便客户随时查询进展状况,上传所需文件,缴纳费用等,客户体验非常方便.
排名第二的竞争对手正在努力研发可以媲美的系统. 很多客户晚上回家可以随时上我们银行的系统查询进展,但是如果您凌晨打电话给您的贷款公司,可能不是每个人都能马上接电话,并立刻回答出详细进展.
谢谢！
Thanks！
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谢谢！
Thanks！
thanks
combination of closing cost and rate!
Pre-approval can be totally independent other than that you get one more
credit pull from pre-approval company if you use different lender at the end. With pre-approval, if my preferred lender is slow in responding, I use one my realtor recommend. Then I can get almost on demand customized pre-
approval letter to make offers (they works well with my realtor during that stage). Once an offer get accepted, I compare this pre-approval's rate with my best rate, if the pre-approval guy's rate is just a couple hundred
dollars more expensive, I will reward them with my loan. However, often it
is more than a thousand dollars expensive. Then sorry, your ten minutes
efforts provided earlier does not warrant that kind of price tag.
谢谢！
谢谢
乎是第二名的2倍.很多Mortgage公司把贷款卖给我们银行. 大家觉得买东西是零售商的价格更有优势还是工厂出厂价更有优势? 至于服务,我的客户都有我的手机号码,而且我们银行的在线系统方便客户随时查询进展状况,上传所需文件,缴纳费用等,客户体验非
常方便. 排名第二的竞争对手正在努力研发可以媲美的系统. 很多客户晚上回家可以随时上我们银行的系统查询进展,但是如果您凌晨想打电话给您的贷款公司,可能不是每个人都能马上接电话,并立刻回答出详细进展.
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谢谢!
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rate 30,20,15yr fixed, and 10yr/7yr/5yr ARM
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