很同情你。两大常见错误：

1／ 不应该找银行贷款，应该找mortgage broker。银行贷款员只代表自己银行，会将自家贷款产品强行推销给你。而mortgage broker代表多家银行，会把最适合的推荐给你。

当然碰上无良mortgage broker，则会把代理费最高的贷款塞给你。事先充分了解情况是你的必修课，多向朋友问问不会有坏处。

2／不能找最低的贷款利率，interests rate就是个笑话。人家一看你找最低interests rate就知道你是菜鸟，不整你才怪呢。下次找最低APR

 

 

另外你的Realtor很失职，如果Realtor很帮忙，你的这些情况完全可以避免

所有跟帖： 

• for Jumbo loan, direct lender might offer lower rate than broker -big_canon- ♂ (0 bytes) () 12/15/2017 postreply 09:12:44

• one can get Citi lower the rate to beat Wells Fargo -big_canon- ♂ (0 bytes) () 12/15/2017 postreply 09:24:28

• and no brokers can match that rate. -big_canon- ♂ (0 bytes) () 12/15/2017 postreply 09:26:21

• direct lender keep those jumbo loan in their warehouse -big_canon- ♂ (0 bytes) () 12/15/2017 postreply 09:30:26

• oh. that might be for bank premier/private(bank) clients. -big_canon- ♂ (0 bytes) () 12/15/2017 postreply 09:34:19

• 你说的对，我们第一次贷款没经验，觉得银行的承诺是算数的，没想到是忽悠。 -怀着我的梦想- ♀ (0 bytes) () 12/15/2017 postreply 10:22:28