你个大学毕业的自己看

你自己说首付不够（不够20%？）那么可能银行给了你一个高利率的mortgage

https://www.consumerfinance.gov/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/

The Average Prime Offer Rate (APOR) is an annual percentage rate that is based on average interest rates, fees, and other terms on mortgages offered to highly qualified borrowers.

Your mortgage will be considered a higher-priced mortgage loan (HPML) if the APR is a certain percentage higher than the APOR, depending on what type of loan you have:

• First-lien mortgages: If your mortgage is a first-lien mortgage, the lender of this mortgage will be the first to be paid if you go into foreclosure. In general, a first-lien mortgage is “higher-priced” if the APR is 1.5 percentage points or more than the APOR.

所有跟帖： 

• 好的，正在研究。主要是没明白escrow有没有什么法律规定要有多少reserve -newleaf2020- ♀ (248 bytes) () 01/20/2023 postreply 08:28:42

• should have asked your loan agent -柠檬椰子汁- ♂ (0 bytes) () 01/20/2023 postreply 08:31:01

• 好的。谢谢解答。我确实是个法盲 -newleaf2020- ♀ (208 bytes) () 01/20/2023 postreply 08:48:47