Mortgage Refinancing – Locking Your Mortgage Loan抵押融资锁你按揭贷款

Locking in your loan is the process where your loan originator guarantees your rate and any points you have agreed to pay.在您的进程锁定贷款担保你那里你贷款利率及任何发端点你已经同意付. “Locking” is a deceptive term; what you think you’re getting isn’t actually what you were qualified for."锁定"是骗人的;你认为你是什么你是不是真正获得资格. Here are several tips regarding rate locks to help you avoid overpaying when mortgage refinancing.这里有几个小费就锁速度,帮助你避免过高时抵押融资.

Your loan originator is the retail mortgage company that provides you a written guarantee of the interest rate and points you were qualified.你是发端零售按揭贷款公司提供书面保证,你的利率点你是合格的. The loan originator does not qualify you for an interest rate or actually guarantees that rate; that is done by the wholesale lender your mortgage company represents.发端不符合贷款利率或你实际上保证率;这是你们所做的批发贷款抵押公司代表. Every wholesale lender uses a form where the retail originator requests your rate guarantee and that particular day’s published interest rate.每一种形式的批发零售贷款用途发端请您保证率,尤其是一天的利息出版利率. You can only lock in a particular interest rate from the time rate sheets are issued each day until the cutoff time.你只能锁定一个特定利率税率表时间是从每天发出直到截止时间. Cutoff is usually 4:00pm in the wholesale lender’s time zone.截止下午4时,通常在批发贷款的时区.

Your mortgage company receives the guarantee from the wholesale lender that will include the duration of the lock.贵公司收到的抵押担保放款,包括批发期限的锁. The interest rate your mortgage company receives is the wholesale rate; they will add their own markup depending on the length of your lock period and how gullible they think you are.贵公司收到按揭利息率是批发;他们将自己的标记加入长短取决于贵锁期间你以为如何骗人. The longer the lock period you request, the higher the retail markup of your interest rate will be.锁定期越长,你的要求越高,你的零售销价将利率. Your mortgage company isn’t going to tell you about the wholesale interest rate you were qualified so it is your job to find out what that interest rate is.您按揭公司不会告诉你的批发资格利率等你是你就业找出利率.

The retail markup of your mortgage interest rate by the loan originator is called Yield Spread Premium.零售销价贵抵押贷款利率由发端产量散布所谓的地价. Mortgage companies charge Yield Spread Premium because the wholesale lender pays them an additional point for each .25% they overcharge you on the interest rate.按揭公司收取保险费率散布批发放款因为他们付一点额外滥他们每个0.25%您对利率. One point is one percent of your loan amount; the mortgage company receives this in addition to the origination fees you pay for their services.有一点是你贷款额的百分之一;按揭公司接到这除了起源服务费付钱.

Before you agree to a lock period you should find out what the realistic time frame for completing your loan.您同意前一个时期你应该找出锁实际贷款期限完成贵. If it will only take 15-20 days choosing a 30 day lock period should be sufficient.如果只需30天15-20天选择锁定时间应该足够. The mortgage company might try to sell you an “extended lock” for an additional fee; however, you should rarely consider paying this fee unless you need it for your peace of mind.按揭公司会设法说服你"延伸锁"额外费用;但是你应该很少考虑支付这项费用,除非你需要它为你安心. The purpose of the lock is to allow you sufficient time to close on the mortgage.目的是让你的锁足够的时间休息楼. If you are unable to close before the lock expires, the mortgage company will raise your interest rate.如果你无法接近前锁定期满后,公司将提出你按揭利率.

Make sure you get the rate lock in writing.做到速度和锁定才叫写作. Until you have this written guarantee, you do not have an interest rate.直到你有这样的书面保证,你不必利率. Don’t leave it up to the mortgage company to tell you when to lock in your mortgage interest rate, make getting this written guarantee your first priority once you have chosen a mortgage company.它不休假最多按揭公司告诉你,当你锁定按揭利率这使越来越贵首位书面保证一旦你们选择按揭公司. How can you find the mortgage interest rate you were qualified by the wholesale lender and avoid paying retail markup?怎么找你按揭利率贷款资格的批发和零售销价逃避? You can learn this and more by registering for a free mortgage tutorial.你可以学习本多抵押登记免费补习.

To get your free mortgage tutorial visit RefiAdvisor.com using the link below.你的访问获得免费补习抵押refiadvisor.com下面连接使用.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders.雷人类学专门放映业主如何避免失误和掠夺昂贵按揭贷款. For a free copy of " Mortgage Refinancing - What You Need to Know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit Refiadvisor.com.为免费索取"按揭贷款-知多少",以寻求最佳的战略任教按揭节省数千美元这个过程中,refiadvisor.com访问.

Claim your free mortgage refinance information guide today at: http://www.refiadvisor.com无抵押融资信息引导你索赔今天下午:http://www.refiadvisor.com

Mortgage Refinancing Information按揭贷款资料

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