Lender 拒絕按條款辦，我隻有屈服一條路嗎？

下列條款是lender的closing document的一部分。Appraisal 應包含在closing costs內。Lender 拒絕按條款辦，把Appraisal cost列在closing costs 外。這樣我就不能用seller's credit來付此費。而要剩餘1300 刀返回seller. 是銀行回收房。真氣人。難道我隻有屈服一條路嗎？

 

下麵是lender的相關條款：

CLSOING COST SUMMARY

Included in the cost to close your loan are the closing fees, prepaid taxes, insurance and interest, which are shown on the Settlement Statement (HUB-1). You are also responsible for the down payments.

Closing Fees: You will be charged fees by us and by third parties for your loan. These fees may include lender fees and application fees, as well as items such as credit report, appraisal, title insurance, and the closing fee charged by the settlement agent.

Prepaid Taxes, Insurance and Interest: You are responsible for any prepaid mortgage interest, any property insurance premiums and all applicable property taxes or assessments, including homeowners’ association charges. Some state and local jurisdictions impose charges and taxes related to mortgage and property transactions, for which you are responsible. When your loan transaction includes an escrow account for such items as property taxes and insurance, you are required to make initial deposits into that account

所有跟帖： 

• 這是哪家lender?下次搞cash out re-finance要避開這家。 -福大命大- ♂ (0 bytes) () 12/10/2012 postreply 21:49:53

• Bank of America. 跟銀行可能無關。可能跟此具體辦事的人有關。但她manager一口咬定那是美國政府政策。 -GC_Help- ♂ (129 bytes) () 12/10/2012 postreply 21:54:54

• lender當時沒給你GFE之類的doc嗎？這些doc應說得很清楚了呀。 -福大命大- ♂ (0 bytes) () 12/10/2012 postreply 21:51:16

• 給了一個106頁的文件。不知是否GFE。可我引用的就是相關條款呀 -GC_Help- ♂ (0 bytes) () 12/10/2012 postreply 21:57:47

• 剛開始申請時，lender就得給你GFE doc，讓你簽了字之後它才能繼續，GFE doc裏肯定包 -福大命大- ♂ (259 bytes) () 12/10/2012 postreply 22:03:00

• 才明白GFE是good faith estimation. 在GFE裏,Appraisal 和Credit report 都列了 -GC_Help- ♂ (176 bytes) () 12/10/2012 postreply 22:11:22

• GFE裏,Appraisal 和Credit report 都列了, general lender din't pay thes -zd3y- ♂ (84 bytes) () 12/11/2012 postreply 08:21:18

• lender說那是up front cost,不包在closing costs內。是否因為他們already charged t -GC_Help- ♂ (134 bytes) () 12/10/2012 postreply 22:20:11

• 既然GFE沒說且你已簽字還給他們之後那就不太好說了。 -福大命大- ♂ (0 bytes) () 12/10/2012 postreply 22:21:59

• Appraisal 和Credit report costs 都列在GFE裏了 -GC_Help- ♂ (0 bytes) () 12/10/2012 postreply 22:24:24