答案都在自己手上，看你用不用功

1）为了找合适的银行，曾经打过一通电话，结果利率和费用都不理想。最后，有一个broker 帮我找到一家银行，利率和费用都不错。可是后来发现，这家银行就是我原来的借贷银行，前些日子还给他们打过电话。问题：这家银行为什么要这么干（不但在利率和费用上让步更多，而且还要付给broker中介费）？我本来就是它的客户，mortgage就在它那里，为啥它给我的利率和费用跟给broker的不一样？

To encourage home ownership, the federal government established secondary mortgage market to enable private banks to (1) make mortgage loans (2) resell mortagage loans to Fannie Mae/Freedic Mac (3) Fannie Mae/Freddic Mac repackage the mortgage collections and sell them to private investers.  This way the original bank's asset is freed up to make more loans, therefore increasing home ownership in US. 

So the bank who made the original loan and the bank who currently service your mortgage don't actually own your mortgage.  They make money by "originating" and/or "servicing" your mortage. 

That same bank makes money if they refinance your mortgage and then sell the refiananced mortgage to Fannie Mae.  

2）broker发来的closing disclosure上的cash to close to borrower数字跟几天后正式签字文件上的不一样，差了好几千。我虽然相信会有合理的解释的，但也有些疑惑。问题：银行在closing disclosure的数字上做手脚的可能性有多大？比如，银行在交割费用上让步，以吸引顾客，但通过某些手段又把它要回去了。

Closing Disclosure is a federally regulated document, you can see field by field explaination here. 

https://www.consumerfinance.gov/owning-a-home/closing-disclosure/

Your closing disclosure includes financing expenses that depends on your mortgage company, property expenses such as transfer tax, title insruance etc, and prepaid escrow that is not actually expense, but just prepaid money. 

The cash-to-close amount is not a good reflection on how much the bank is charging you.  You need to compare line-by-line between the original estimate and the final disclosure to find out what number changed.  

所有跟帖： 

• 即不信任别人，又不做功课的人多了：） -爱睡懒觉- ♀ (0 bytes) () 10/15/2020 postreply 11:26:08

• 既然在文件上看到明显的数字差别，那么问问贷款broker，问问这里的行家，不算太过分吧？：） -huskyNA- ♂ (0 bytes) () 10/15/2020 postreply 15:59:01

• 我问了broker，为什么前后两个closing disclosure数字不符？她解释说， -huskyNA- ♂ (434 bytes) () 10/15/2020 postreply 15:50:15