哪位大侠给我出出注意 refinance

来源: autumnray 于 2012-05-25 19:40:15 [] [旧帖] [给我悄悄话] 阅读数 : (908 bytes)

一个小问题，就是有点闹心。I am co-signer of my cousin's student loan(10k). He paid it off just before I started refinance a month ago. So my credit report shows the loan account is "unrated" instead of "current paiding as agreed".
So the lender asked for the term of loan. I sent a letter from the bank indicated the "loan is satisfied". I thought it's done. However lender asked for "papertrail of loan payment". What?? why?? They want my cousin's bank statement to show the payment transactions. OK My cousin sent it but blocked all transactions except loan payments.
Today my loan agent told me lender is VERY picky and most likely won't accept it. My cousin is unwilling to give full statement.I think I can push him a little hard... but at the same time, I think lender's request is unreasonable. So I want to hear from you guys. Any suggestions or comments? Many thanks.

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• Just do what ever they want in those days for mortgage. The lend -螺丝螺帽- ♀ 给 螺丝螺帽 发送悄悄话 螺丝螺帽 的博客首页 (51 bytes) () 05/25/2012 postreply 20:00:06

• I can do what lender wants but my cousin doesn't want -autumnray- ♀ 给 autumnray 发送悄悄话 (88 bytes) () 05/25/2012 postreply 20:20:01

• OK,那就换lender吧。也许， 你这一说， 你的AGENT就会为你fight。但愿你还没付费 -螺丝螺帽- ♀ 给 螺丝螺帽 发送悄悄话 螺丝螺帽 的博客首页 (0 bytes) () 05/25/2012 postreply 20:23:55

• It's no fee refi but I paid appraisal fee upfront. -autumnray- ♀ 给 autumnray 发送悄悄话 (0 bytes) () 05/25/2012 postreply 20:41:02

• just wait if the blocked statement is ok or not. -jjj7- ♂ 给 jjj7 发送悄悄话 jjj7 的博客首页 (71 bytes) () 05/25/2012 postreply 20:32:31

• I hope it works. but if not -autumnray- ♀ 给 autumnray 发送悄悄话 (71 bytes) () 05/25/2012 postreply 20:59:04

• 你为什么要CO——SIGN那个自私的傻瓜的浓？ -mike369- ♀ 给 mike369 发送悄悄话 (0 bytes) () 05/25/2012 postreply 20:41:38

• 毕竟是cousin吗，能帮就帮一下。 -texastrader- ♂ 给 texastrader 发送悄悄话 (0 bytes) () 05/25/2012 postreply 20:49:34

• 多谢理解。cousin现在进了４大之一，我也很欣慰。 -autumnray- ♀ 给 autumnray 发送悄悄话 (0 bytes) () 05/25/2012 postreply 21:13:39

• GX！ your cousin should be thankful! -美西游子- ♀ 给 美西游子 发送悄悄话 美西游子 的博客首页 (0 bytes) () 05/25/2012 postreply 22:15:48

• 怎么没有一个认为lender 要求过分尼？ -autumnray- ♀ 给 autumnray 发送悄悄话 (0 bytes) () 05/25/2012 postreply 21:06:37

• 就算大家都说lender的 要求过分，那又有什么用呢？ -凌长老- ♂ 给 凌长老 发送悄悄话 凌长老 的博客首页 (75 bytes) () 05/25/2012 postreply 21:21:52

• 那我可以有多些理由劝说我的cousin 啊。谢谢回复哈。 -autumnray- ♀ 给 autumnray 发送悄悄话 (0 bytes) () 05/25/2012 postreply 21:38:22

• 现在lender都这德性。 -美西游子- ♀ 给 美西游子 发送悄悄话 美西游子 的博客首页 (1229 bytes) () 05/25/2012 postreply 22:13:38

• 顶接着打猎。美西很有气概啊。 -sweetptt- ♂ 给 sweetptt 发送悄悄话 sweetptt 的博客首页 (0 bytes) () 05/25/2012 postreply 22:15:37

• 只是装备欠现代，呵呵！ -美西游子- ♀ 给 美西游子 发送悄悄话 美西游子 的博客首页 (0 bytes) () 05/25/2012 postreply 22:20:44

• 不要紧。美西武功盖世。 -sweetptt- ♂ 给 sweetptt 发送悄悄话 sweetptt 的博客首页 (0 bytes) () 05/25/2012 postreply 22:29:11

• 谢美西mm!　听到不同的声音 -autumnray- ♀ 给 autumnray 发送悄悄话 (116 bytes) () 05/25/2012 postreply 22:59:55

• 回复：哪位大侠给我出出注意 refinance -佛口禅心- ♀ 给 佛口禅心 发送悄悄话 佛口禅心 的博客首页 (111 bytes) () 05/26/2012 postreply 01:58:59

• This lender is very picky. We all know that is the practice from -CALoanAgent- ♂ 给 CALoanAgent 发送悄悄话 CALoanAgent 的博客首页 (199 bytes) () 05/26/2012 postreply 07:19:01

• 专家的声音来了。我们N年前付完的房贷， lender说， 银行还没关。我们提供文件， leander去查 -螺丝螺帽- ♀ 给 螺丝螺帽 发送悄悄话 螺丝螺帽 的博客首页 (414 bytes) () 05/26/2012 postreply 07:37:56

• blocked statement shows the paper trail of the payment, why full -autumnray- ♀ 给 autumnray 发送悄悄话 (301 bytes) () 05/26/2012 postreply 10:57:03

• 不用抱怨，就是所有的人都帮你说LENDER过分 -金鱼的故事- ♀ 给 金鱼的故事 发送悄悄话 金鱼的故事 的博客首页 (146 bytes) () 05/26/2012 postreply 07:56:48

• 简单，让他们再做个credit report不就得了。当然，要掏钱。 -于海岸边- ♂ 给 于海岸边 发送悄悄话 (0 bytes) () 05/31/2012 postreply 00:06:36

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