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Old 04-25-2013, 03:43 PM   #2071
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What happens if their bank has a different opinion on you than yours did?:/
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Old 04-25-2013, 03:45 PM   #2072
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What happens if their bank has a different opinion on you than yours did?:/
lol I don't know but she said we were fine and had the same interest rate...
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Old 04-25-2013, 04:48 PM   #2073
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No it went like this.

Talk to bank informally and guy tells me we will be fine for preapproval

Sign up with realtor just to get started

Find house

Get preapproved same day

Make offer

But now they want us to use a diff bank
It is your loan , why do they want you to use a different bank?
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Old 04-25-2013, 05:36 PM   #2074
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They had a bad experience with a loan falling through with my bank. Well I don't want that to happen to me either and if the rates are similar could be fine.


So tiny update... no signed papers yet but my realtor called me and said the guy said he can't sign til he gets out of work but there is no indication he is entertaining other offers or wanting to renegotiate any further.

He is a flipper so he sells a lot so I am sure signing is not a big deal to him (but it is to me!)
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Old 04-25-2013, 09:22 PM   #2075
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Agent called me and said other agent said it's a done deal and we will have papers in the morning. Am currently sifting through the fee schedules of the 2 lenders to see what I wanna do. And dreaming of swimming!!
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Old 04-25-2013, 09:24 PM   #2076
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Agent called me and said other agent said it's a done deal and we will have papers in the morning. Am currently sifting through the fee schedules of the 2 lenders to see what I wanna do. And dreaming of swimming!!
Woo hoo!!!!!!!
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Old 04-25-2013, 09:33 PM   #2077
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Yup so far it looks like my bank has less fees by about 1k and the loan officer working with me is SUPER attentive and helpful. The other one is who the seller prefers. The only plus I can see w them is that they might be more lenient w the appraisal as the preferred lender. Thoughts?

Same interest rate. My bank when I asked for the fee schedule called me when he sent it and went line by line so I understood.
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Old 04-25-2013, 10:04 PM   #2078
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Brandi, sending good thoughts and prayers for you Dad.

Tiffany, congrats on the house. Having the seller determine the bank you use is a new one for me. I wouldn't think they care as long as they get their money from through the title company.
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Old 04-25-2013, 11:25 PM   #2079
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Quote:
Originally Posted by ACDSNY
Brandi, sending good thoughts and prayers for you Dad.

Tiffany, congrats on the house. Having the seller determine the bank you use is a new one for me. I wouldn't think they care as long as they get their money from through the title company.
I think this, too. Explain the extra K in fees. If they're adamant, maybe they can knock it off the price?
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Old 04-25-2013, 11:27 PM   #2080
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I think this, too. Explain the extra K in fees. If they're adamant, maybe they can knock it off the price?
Most of the diff comes from the fact my bank is giving me an $800 credit for being a preferred client. Then there are various differences in other fees and one other biggie to a $300 or so diff (title insurance)

Both are fixed rate, same term, same downplay, same percentage.
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Old 04-26-2013, 08:49 AM   #2081
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Woo! Got my ADRs for my trip!!!!
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Old 04-26-2013, 09:18 AM   #2082
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Agent called me and said other agent said it's a done deal and we will have papers in the morning. Am currently sifting through the fee schedules of the 2 lenders to see what I wanna do. And dreaming of swimming!!
That is awesome news!
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Old 04-26-2013, 09:21 AM   #2083
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Quote:
Originally Posted by TifffanyD View Post
Yup so far it looks like my bank has less fees by about 1k and the loan officer working with me is SUPER attentive and helpful. The other one is who the seller prefers. The only plus I can see w them is that they might be more lenient w the appraisal as the preferred lender. Thoughts?

Same interest rate. My bank when I asked for the fee schedule called me when he sent it and went line by line so I understood.
Personally, I have a hard time with the switching bank thing. I have a long standing history with my Bank and I would want to use them, BUT that being said, it is totally your decision, and if it makes the difference between getting the house and not, you have to do what you have to do.

Maybe you can get the other bank to explain everything to you also, and maybe negotiate the fee schedule.
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Old 04-26-2013, 09:22 AM   #2084
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Originally Posted by ACDSNY View Post
Brandi, sending good thoughts and prayers for you Dad.

Tiffany, congrats on the house. Having the seller determine the bank you use is a new one for me. I wouldn't think they care as long as they get their money from through the title company.
Thanks... No word yet on todays sugar level...
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Old 04-26-2013, 09:24 AM   #2085
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Quote:
Originally Posted by TifffanyD View Post
Most of the diff comes from the fact my bank is giving me an $800 credit for being a preferred client. Then there are various differences in other fees and one other biggie to a $300 or so diff (title insurance)

Both are fixed rate, same term, same downplay, same percentage.
Make the seller give you the difference in a price drop on the house. Show them that you are having to pay more for using their bank... They will do it, it is only fair.
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