(Mortgagebroker vs. lender vs. loan officer) 除了房贷经纪人,您还可以选择贷方(lender)或是信贷员(loan officer)。贷方(lender)是提供抵押贷款的金融机构或私人公司,可以是银行和其他金融机构,贷方只会推荐自己金融机构的产品对于其他金融机构的产品较不会推荐。信贷员(loan officer)为特定的贷款机构(例如银行)工作...
A loan officer is a person who works on behalf of the mortgage lender. They will assist with the underwriting process for mortgage approval. They are able to do so by providing relevant loan scenarios for an applicant’s evaluation, and ensuring required documentation is provided that will assis...
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Loan amount:贷款额,又称Principle。注意这不是房屋总价,loan amount是你向Lender借钱的部分,也就是房屋总价减去首付的部分。 LTV: Loan-to-value ratio。 如果一个人说他的Mortgage LTV是60%,那么也就是说他买房的付款中60%是贷款来的,剩下40%是自付的 ...
and submitted everything getting ready for the appraisal to be scheduled. Was nearly close to my closing date, and pay all the fees until my lender got a letter back stating that the condo is not FHA approved, and expired in 2011. My loan was setup for FHA; seller has the property...
Finally, mortgage brokers might differ in how they make money. Some may charge you directly by a small percentage of your loan—think 1-2% of the total loan value. More commonly, they’ll charge the lender by a percentage in that range. Here at Morty, we choose the latter so you don...
Texas Department of Savings and Mortgage Lending (SML) licensed mortgage loan officers require 23 hours of pre-licensing education; The national 20-hour class and an additional 3 hours of Texas state law. All states require a national exam for licensing. Texas does not require an additional stat...
An Impact Lender guarantees that at least 10% of their profits go to lifting up communities. As the leading Impact Lender in the US, Movement gives nearly 50% of our profits! Learn More Movement News January 28, 2025 Movement names Aimée Dodson Chief Engagement Officer Movement News Ja...
Loan officers help guide borrowers based on their financial circumstances and assist with the mortgage process. They work with the lender'sunderwriter, who reviews the applicant'screditworthinessand ability to pay the loan. When the loan is approved, the loan officer prepares themortgage closingdocume...
Mortgage brokers are paid either by the lender or by you. If the fee is covered by the lender, you need to be concerned about whether you'll be steered to a more expensive loan because the commission to the broker is more lucrative. If you pay the fee, figure it into the mortgage co...