决定价值的其他因素可能是房屋的外观吸引力, lot size, 当估价师开车到附近，把车停在你家门前时，他们会很明显地注意到社区的情况.
Frequently asked questions
What is an APR?
年度百分比利率(APR)是一种反映一年内九州bet9在线登录总成本的利率. 这个利率通常高于广告中的九州bet9在线登录利率，因为它包括积分和其他信贷成本. APR帮助购房者根据年成本比较不同的九州bet9在线登录. 它旨在衡量“贷款的真实成本”，并为放贷者创造一个公平的竞争环境. 通过这样做，它可以防止贷款机构宣传低利率和隐藏费用.
重要的是要注意APR并不影响你的月供. 你每月还款额完全取决于利率和贷款期限.
However, 因为年利率的计算受到各种贷方费用的影响, a lower APR does not always indicate a better rate. To accurately compare loans, 你应该要求贷款人为你提供一份相同类型的项目和利率的贷款估算(LE). You can then exclude fees such as homeowners insurance, title fees, and attorney fees, among others, and add up all the loan fees. By doing this, you can determine which lender has the lower loan fees, and hence, a more affordable loan.
申请贷款需要准备什么文件?
每种情况都是独特的，但bet9在线登录可能需要审查的文件包括:
Income / Assets:
- W2’s – from the last two years
- 1040 federal tax returns – from the last two years
- Two recent pay stubs
- Two recent bank statements – all pages
- Self-Employed: K1 / 1099 / Profit and Loss YTD
Housing:
- Current and previous addresses for the previous 2 years
- Leasing: name and phone number of landlord(s)
- Investor: copy of lease agreements on rental properties
Other:
- 所有借款人的驾驶执照或国家颁发的身份证复印件
根据您的具体情况，bet9在线登录可能还需要审查所需的文件.
What does it mean to lock the interest rate?
按揭利率可能会有变动，并在申请贷款至成交期间波动. 如果在申请过程中利率大幅上升，这可能导致每月按揭付款意外增加. To prevent this from happening, 贷款人为借款人提供在特定时期内“锁定”贷款利率的选择, usually ranging from 30 to 60 days. 此锁定期确保借款人将获得相同的利率，在锁定时商定, regardless of any subsequent rate changes.
Should I pay points to lower my interest rate?
If you intend to remain in the property for a few years, 支付折扣点来降低贷款利率通常是一个明智的决定. 这样做可以降低你每月的按揭付款，并有可能增加你可以借到的钱. Nevertheless, if you plan on living in the property for only a year, 每月的储蓄可能不足以收回你支付的折扣点数的前期成本. Therefore, it’s important to consider your long-term goals 在决定支付折扣点以降低贷款利率之前.
What is an appraisal?
A critical component of buying a home is the appraisal. 评估是第三方对财产价值的专业评估，用于帮助确定贷款金额.
In compliance with government regulation, 为符合条件的贷款进行抵押交易而聘用的估价师是从合格的估价师中随机挑选的. 无论是借款人还是贷款人，都不能灵活地决定由哪个估价师来检查你的房子.
A few key components of an appraisal:
- The Site: Location, view, topography, lot size, utilities, zoning, external factors, highest and best use, landscaping features…
- Design: 施工质量，完成工作，固定设备和任何定义特征…
- Condition: 年龄、恶化、翻新、升级、增加功能……
- Health and Safety: Structural integrity, code compliance…
- Size: Above grade and below grade improvements…
- Neighborhood: Is the property comparable to others in the neighborhood?
- Functional Utility: Is the property functional as built – style and use?
- Parking: Garages, carports, shops, etc…
What happens during underwriting?
During the underwriting stage of the mortgage process, the underwriters will evaluate the property, title, 以及你在提交最终贷款包后提供的信息和文件. 这可能需要几天到几周的时间来确定最终的批准和条件清单, 其中可能包括对信用报告结果的最终解释信, official verification of employment, 还有一份由你的家庭保险代理人提供的最新的危险保险政策.
Items typically obtained during the underwriting stage:
- Appraisal
- Updated Title
- Escrow Amounts
- Loan Payoffs
- Additional Property Liens
- Taxes
- HOA Paperwork
- Additional Loan Paperwork
What is a conditional approval?
“有条件批准”里程碑是购买贷款流程中的重要步骤，因为它意味着 承销商已经审阅了你的完整文件，并给出了一份在交易结束前提交的最终文件清单.
What does "clear to close" mean?
“结清”是贷款的最后一步，“结清”是签署所有最终文件的地方, last-minute underwriting conditions are met, and money is exchanged.
At this point in the mortgage process, all inspections and appraisals have been completed, 最初的合同和文件已经通过核销进行了审查, and it is time to sign your final documents.
What happens at closing?
交割(也称为融资)是将财产所有权从卖方正式转移到买方. The process involves several parties, typically including the seller, buyer, real estate agents, attorneys, title or escrow firm representatives, clerks, secretaries, and other staff. 关闭过程的持续时间从大约一个小时到几个小时不等, 根据收购要约的应急条款和需要建立托管账户.
结案文书工作主要由律师和房地产专业人士处理. 建议你在成交前进行一次最后的检查或实地检查，以确保商定的维修工作已经完成，窗帘和照明装置等本应留在房子里的物品仍在那里.
Once everything is finalized, the check (or wire transfer) will be given to the seller, and the buyer will be given the keys to the property.
