vegetarcat
[房地产]为什么好事总多磨？继续更新
2125
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2006-09-19 16:37:00
立马拿下。
开始的过程很顺利，从INSPECTION，到SELLER给我们希望的CREDITBACK，再找到贷款公司拿到很不错的利率（6% 30yr fix）……但是，就在我们还有一个星期就要CLOSING的时候，意外出现了。
我来美国不到两年，所以信用卡使用的历史也就不到两年，即使我的信用记录是EXCELLENT，按照规定象我这样的情况是不能按常规拿到贷款的，而我老公一个人的工资又不够贷到那么多的款……
目前我们的BROKER把我们的CASE拿到LENDER的总部去审批，结果明天揭晓。
BROKER给我们另外一个方案是6.5%的利率，等我们把房子买下来后，再做REFINANCE，因为再过3个月，我就在美国呆满两年了，那个时候就没有任何问题了。
大家觉得我应该接受这第二个方案吗？
[此贴子已经被作者于2006-9-20 21:42:42编辑过]
没有经验……帮大猫顶一下~
3Q 3Q
I think 第二个方案is feasible. Only thing is when you refinance, how much it's going to cost you? Maybe another extra thousands dollars?
I think 第二个方案is feasible. Only thing is when you refinance, how much it's going to cost you? Maybe another extra thousands dollars?
The refinance is free.
嗯……refinance比较tricky，大猫要仔细看条款。还有就是3个月后如果真的可以refinance，是不是一定能拿想要的interest rate。因为买了房花销就自然大了，尤其是刚开始，还不很适应的时候，这样会影响信用分数，并且房贷本身也影响信用，这些都要算清楚。
Your monthly mortgage payment wont be a big difference in 6% versus 6.5%. So the 6.5% rate sounds acceptable.
Refinance costs around few thousands bucks. It's good for you to get it free. But make sure it's really 'free.'
Your monthly mortgage payment wont be a big difference in 6% versus 6.5%. So the 6.5% rate sounds acceptable.
Refinance costs around few thousands bucks. It's good for you to get it free. But make sure it's really 'free.'
Your monthly mortgage payment wont be a big difference in 6% versus 6.5%. So the 6.5% rate sounds acceptable.
Refinance costs around few thousands bucks. It's good for you to get it free. But make sure it's really 'free.'
plz keep us posted.
[此贴子已经被作者于2006-9-19 22:49:33编辑过]
到底了
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