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本帖於 2023-01-20 08:31:17 時間, 由版主 檸檬椰子汁 編輯
回答: 還真不是jumbonewleaf20202023-01-20 08:13:20

你自己說首付夠(不夠20%?)那麽可能銀行給了你一個高利率的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。主要是沒明白escrow有沒有什麽法律規定要有多少reserve -newleaf2020- 給 newleaf2020 發送悄悄話 (248 bytes) () 01/20/2023 postreply 08:28:42

should have asked your loan agent -檸檬椰子汁- 給 檸檬椰子汁 發送悄悄話 檸檬椰子汁 的博客首頁 (0 bytes) () 01/20/2023 postreply 08:31:01

好的。謝謝解答。我確實是個法盲 -newleaf2020- 給 newleaf2020 發送悄悄話 (208 bytes) () 01/20/2023 postreply 08:48:47

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