哪位大俠給我出出注意 refinance

來源: autumnray 於 2012-05-25 19:40:15 [] [舊帖] [給我悄悄話] 閱讀數 : (908 bytes)

一個小問題，就是有點鬧心。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 -螺絲螺帽- ♀ 給 螺絲螺帽 發送悄悄話 螺絲螺帽 的博客首頁 (51 bytes) () 05/25/2012 postreply 20:00:06

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

• OK,那就換lender吧。也許， 你這一說， 你的AGENT就會為你fight。但願你還沒付費 -螺絲螺帽- ♀ 給 螺絲螺帽 發送悄悄話 螺絲螺帽 的博客首頁 (0 bytes) () 05/25/2012 postreply 20:23:55

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

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

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

• 你為什麽要CO——SIGN那個自私的傻瓜的濃？ -mike369- ♀ 給 mike369 發送悄悄話 (0 bytes) () 05/25/2012 postreply 20:41:38

• 畢竟是cousin嗎，能幫就幫一下。 -texastrader- ♂ 給 texastrader 發送悄悄話 (0 bytes) () 05/25/2012 postreply 20:49:34

• 多謝理解。cousin現在進了４大之一，我也很欣慰。 -autumnray- ♀ 給 autumnray 發送悄悄話 (0 bytes) () 05/25/2012 postreply 21:13:39

• GX！ your cousin should be thankful! -美西遊子- ♀ 給 美西遊子 發送悄悄話 美西遊子 的博客首頁 (0 bytes) () 05/25/2012 postreply 22:15:48

• 怎麽沒有一個認為lender 要求過分尼？ -autumnray- ♀ 給 autumnray 發送悄悄話 (0 bytes) () 05/25/2012 postreply 21:06:37

• 就算大家都說lender的 要求過分，那又有什麽用呢？ -淩長老- ♂ 給 淩長老 發送悄悄話 淩長老 的博客首頁 (75 bytes) () 05/25/2012 postreply 21:21:52

• 那我可以有多些理由勸說我的cousin 啊。謝謝回複哈。 -autumnray- ♀ 給 autumnray 發送悄悄話 (0 bytes) () 05/25/2012 postreply 21:38:22

• 現在lender都這德性。 -美西遊子- ♀ 給 美西遊子 發送悄悄話 美西遊子 的博客首頁 (1229 bytes) () 05/25/2012 postreply 22:13:38

• 頂接著打獵。美西很有氣概啊。 -sweetptt- ♂ 給 sweetptt 發送悄悄話 sweetptt 的博客首頁 (0 bytes) () 05/25/2012 postreply 22:15:37

• 隻是裝備欠現代，嗬嗬！ -美西遊子- ♀ 給 美西遊子 發送悄悄話 美西遊子 的博客首頁 (0 bytes) () 05/25/2012 postreply 22:20:44

• 不要緊。美西武功蓋世。 -sweetptt- ♂ 給 sweetptt 發送悄悄話 sweetptt 的博客首頁 (0 bytes) () 05/25/2012 postreply 22:29:11

• 謝美西mm!　聽到不同的聲音 -autumnray- ♀ 給 autumnray 發送悄悄話 (116 bytes) () 05/25/2012 postreply 22:59:55

• 回複：哪位大俠給我出出注意 refinance -佛口禪心- ♀ 給 佛口禪心 發送悄悄話 佛口禪心 的博客首頁 (111 bytes) () 05/26/2012 postreply 01:58:59

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

• 專家的聲音來了。我們N年前付完的房貸， lender說， 銀行還沒關。我們提供文件， leander去查 -螺絲螺帽- ♀ 給 螺絲螺帽 發送悄悄話 螺絲螺帽 的博客首頁 (414 bytes) () 05/26/2012 postreply 07:37:56

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

• 不用抱怨，就是所有的人都幫你說LENDER過分 -金魚的故事- ♀ 給 金魚的故事 發送悄悄話 金魚的故事 的博客首頁 (146 bytes) () 05/26/2012 postreply 07:56:48

• 簡單，讓他們再做個credit report不就得了。當然，要掏錢。 -於海岸邊- ♂ 給 於海岸邊 發送悄悄話 (0 bytes) () 05/31/2012 postreply 00:06:36

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