贷款、产权与过户行业问答、工资福利与经验 · 智问盟
贷款、产权与过户行业的公开问答、工资福利、职业发展和经验分享。
贷款、产权与过户行业的公开问答、工资福利、职业发展和经验分享。
real-estate-mortgage-title
贷款过户里Closing Disclosure三天规则，很多客户到最后才真正感受到压力。CD发出去以后，签字时间、资金到账、final walkthrough、产权文件和放款条件都挤在一起，任何一个数字改动都可能让客户以为closing要黄。 我做文件节奏时会先把几个容易变的项目盯住：loan amount、interest rate、points、lender credit、escrow deposit、property tax p…
real-estate-mortgage-title
Rate locks sound simple to buyers because they see one number: the interest rate. On the lending side, that number is tied to timing, loan type, credit, points, property, and whether the file can realistically close ins…
real-estate-mortgage-title
很多买家以为拿到 pre-approval 就等于贷款稳了，这个误会很常见。预批只是前面看过收入、信用和大概资产，正式批贷要看的东西细很多，尤其是合同出来以后，贷款条件、房子本身和资金来源都会一起进来。 我见过最常卡的几个点：DTI 算上税和保险后超线，银行流水里有大额进账解释不清，工资单和 W-2 对不上，自雇收入没有足够年份，或者 appraisal 出来以后 LTV 变了。还有人预批后去买车、开新信用卡，信用分和负债一变，前面算…
real-estate-mortgage-title
The first time I walked a buyer through closing costs, I made the mistake of reading the numbers line by line like the form would explain itself. It did not. The buyer kept nodding, then called back later convinced some…
real-estate-mortgage-title
Title problems always seem to land at the worst time, right when everyone thinks the file is almost done. Old liens, a missed reconveyance, a name mismatch, a divorce document that was never recorded, or an estate issue…
real-estate-mortgage-title
贷款和过户这块，我最怕的不是文件多，是客户觉得"快 closing 了应该没事了"。 有一次客户前面都挺顺，快到 closing 前两天，银行又要解释一笔大额转账。客户说那是家里人借的钱，很正常，但材料没有提前准备，gift letter、银行流水、来源说明一拖，整个时间表都被卡住。买家着急，卖家那边也催，escrow 夹在中间一直改时间。 后来我都会早一点把丑话说前面：不要突然换工作，不要乱开新信用卡，不要大额进出账不留说明，不要等…