DTI based LLPA

以前在本壇爭論過的Loan Level Price Adjustment (LLPA)，是根據Loan-to-Value (LTV) ratio製定的，就是你首付20%和首付30%，有不同的LLPA.

這裏取消的，是FHFA要加的Debt to Income(DTI) based LLPA。房貸銀行協會的主要抱怨是操作起來很容易出現意外：

“Imagine being a borrower who is quoted one rate when applying for a loan, then getting near closing and hearing from your lender that, due to a slightly slower month at work or a higher homeowner’s insurance premium, the cost of your loan will have to go up because you exceeded FHFA’s DTI threshold,” he said, adding that it would lead to a minimum three-day delay in closing.

見下

https://singlefamily.fanniemae.com/media/9391/display

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• +1 -jenning- ♂ (0 bytes) () 05/10/2023 postreply 12:27:48