今天給了一個Short Sale的offer， Mortgage Contingency Date 應該填什麽？請過來人幫忙回一

今天我給了一個Short Sale的offer， Mortgage Contingency Date 應該填什麽？請過來人幫忙回一下。

帶我看房的經紀人是listing agent, she told me "Mortgage Contingency Date" has to be the date 30 days from today", which means i will have to get my loan ready in 30 days from now.  She forced me to fill "Sep 21" on the contract,since today is Aug 21. 問題是銀行本身就需要30-45天來approve 這個ShortSale的價錢， 我認為至少應該等到銀行批了我的offer, 我再開始申請貸款， 申請貸款的過程又需要4個星期，so my understanding on "Mortgage Contingency Date" should be at least 60 days from today， 這樣才是合理的。但是據listing agent的要求， 我就必須現在開始申請貸款， 即便我根本不知道銀行審批的結果會是怎樣。 如果銀行不接受我的offer, 我豈不是白浪費了半天感情和金錢，因為要申請貸款，我就要付銀子Appraisal report and Credit report 都是要花錢的。但是如果我現在不申請貸款， 我就肯定要miss the deadline, since i was given only 30 days to do it.

By the way,  i already got Pre-approval letter before i viewed the property, because the listing agent required me to have that in order for her to take me to the property.

 

請問有經驗的大哥大姐，你們是怎樣處理這個的？

多謝

所有跟帖： 

• 本來就是要等批了才開始貸款..30天絕對不夠... -MrsKwok- ♀ (0 bytes) () 08/21/2012 postreply 18:56:08

• 對.怎麽也得6個星期。 -hc29- ♀ (0 bytes) () 08/21/2012 postreply 19:05:02

• 我也是這樣想的， 所以我填的是距今天75天的時間， 可是 -小獨子- ♀ (405 bytes) () 08/21/2012 postreply 19:09:34

• 額當初填四十多天但可延期（肯定是銀行批準後算）， -MrsKwok- ♀ (0 bytes) () 08/21/2012 postreply 20:36:15

• 我在銀行count回來後，在我的count offer裏重新再寫close date，要了45天. -小八臘子- ♀ (0 bytes) () 08/21/2012 postreply 22:03:39

• 45 days after written approval by bank is typical. -jjj7- ♂ (194 bytes) () 08/22/2012 postreply 05:58:15