[Sandiagon]

Thank you all for your replies.
My colleague’s earnest money deposit is $3000 and purchase price is 550K. Now my colleague transfered his down payment and closing cost to escrow account. Seller agent did not agree on paper to waive penalty, because she/he did not get any reply from bank (I believe Deutsche Bank). But she said bank will waive penalty except for two or three days. Already my colleague gave a notice “Notice to seller to perform” to close escrow in 72 hours through his realtor. As per realtor, seller or seller’s agent must respond in 24 hours to the notice.

[Sandiagon]

Thank you all for your replies.
My colleague’s earnest money deposit is $3000 and purchase price is 550K. Now my colleague transfered his down payment and closing cost to escrow account. Seller agent did not agree on paper to waive penalty, because she/he did not get any reply from bank (I believe Deutsche Bank). But she said bank will waive penalty except for two or three days. Already my colleague gave a notice “Notice to seller to perform” to close escrow in 72 hours through his realtor. As per realtor, seller or seller’s agent must respond in 24 hours to the notice.

[Sandiagon]

Thank you all for your replies.
My colleague’s earnest money deposit is $3000 and purchase price is 550K. Now my colleague transfered his down payment and closing cost to escrow account. Seller agent did not agree on paper to waive penalty, because she/he did not get any reply from bank (I believe Deutsche Bank). But she said bank will waive penalty except for two or three days. Already my colleague gave a notice “Notice to seller to perform” to close escrow in 72 hours through his realtor. As per realtor, seller or seller’s agent must respond in 24 hours to the notice.

[Sandiagon]

Thank you all for your replies.
My colleague’s earnest money deposit is $3000 and purchase price is 550K. Now my colleague transfered his down payment and closing cost to escrow account. Seller agent did not agree on paper to waive penalty, because she/he did not get any reply from bank (I believe Deutsche Bank). But she said bank will waive penalty except for two or three days. Already my colleague gave a notice “Notice to seller to perform” to close escrow in 72 hours through his realtor. As per realtor, seller or seller’s agent must respond in 24 hours to the notice.

[Sandiagon]

Thank you all for your replies.
My colleague’s earnest money deposit is $3000 and purchase price is 550K. Now my colleague transfered his down payment and closing cost to escrow account. Seller agent did not agree on paper to waive penalty, because she/he did not get any reply from bank (I believe Deutsche Bank). But she said bank will waive penalty except for two or three days. Already my colleague gave a notice “Notice to seller to perform” to close escrow in 72 hours through his realtor. As per realtor, seller or seller’s agent must respond in 24 hours to the notice.

[Sandiagon]

If debt ratio (Debt/Income) is below 40%, 100% documented income and purchase of primary residence; you will get better deal with direct lenders like Wellsfargo, Bofa, etc… Direct lenders never charge origination fee. You need to shop around at least 4 lenders and you need to compare their charges. I come across the following charges as per my experience. 800 series related to lender charges.
800
801 Origination Fee
802 Points (Loan Discount Fee)
803 Appraisal Fee
804 Credit Report
805 Lenders’ Inspection Fee
808 Tax Svc Fee/Mtg Broker Fee
809 Tax Related Service Fee
810 Processing Fee
811 Underwriting Fee
813 Loan Document
814 Messenger
815? Funding/Wire
815? Flood Cert
1100
1101 Settlement/Closing Fee
1105 Document Fee
1106 Notary Fee
1108 Title Insurance Fee
1125 Courier Fee
1200
1201 Recording Fee
1202 City/County Tax/Stamps
1203 State Tax/Stamps
1300
1 month HOA fee
900
901 Prepaid Interest
902 Mortgage Insurance
903 Hazard Insurance 1 year
1000
1001 Hazard Ins 2 months
1004 Prop Tax 2 months

Total Closing Expenses

Some lenders use different names or combined different charges in to one category.

[Sandiagon]

If debt ratio (Debt/Income) is below 40%, 100% documented income and purchase of primary residence; you will get better deal with direct lenders like Wellsfargo, Bofa, etc… Direct lenders never charge origination fee. You need to shop around at least 4 lenders and you need to compare their charges. I come across the following charges as per my experience. 800 series related to lender charges.
800
801 Origination Fee
802 Points (Loan Discount Fee)
803 Appraisal Fee
804 Credit Report
805 Lenders’ Inspection Fee
808 Tax Svc Fee/Mtg Broker Fee
809 Tax Related Service Fee
810 Processing Fee
811 Underwriting Fee
813 Loan Document
814 Messenger
815? Funding/Wire
815? Flood Cert
1100
1101 Settlement/Closing Fee
1105 Document Fee
1106 Notary Fee
1108 Title Insurance Fee
1125 Courier Fee
1200
1201 Recording Fee
1202 City/County Tax/Stamps
1203 State Tax/Stamps
1300
1 month HOA fee
900
901 Prepaid Interest
902 Mortgage Insurance
903 Hazard Insurance 1 year
1000
1001 Hazard Ins 2 months
1004 Prop Tax 2 months

Total Closing Expenses

Some lenders use different names or combined different charges in to one category.

[Sandiagon]

If debt ratio (Debt/Income) is below 40%, 100% documented income and purchase of primary residence; you will get better deal with direct lenders like Wellsfargo, Bofa, etc… Direct lenders never charge origination fee. You need to shop around at least 4 lenders and you need to compare their charges. I come across the following charges as per my experience. 800 series related to lender charges.
800
801 Origination Fee
802 Points (Loan Discount Fee)
803 Appraisal Fee
804 Credit Report
805 Lenders’ Inspection Fee
808 Tax Svc Fee/Mtg Broker Fee
809 Tax Related Service Fee
810 Processing Fee
811 Underwriting Fee
813 Loan Document
814 Messenger
815? Funding/Wire
815? Flood Cert
1100
1101 Settlement/Closing Fee
1105 Document Fee
1106 Notary Fee
1108 Title Insurance Fee
1125 Courier Fee
1200
1201 Recording Fee
1202 City/County Tax/Stamps
1203 State Tax/Stamps
1300
1 month HOA fee
900
901 Prepaid Interest
902 Mortgage Insurance
903 Hazard Insurance 1 year
1000
1001 Hazard Ins 2 months
1004 Prop Tax 2 months

Total Closing Expenses

Some lenders use different names or combined different charges in to one category.

[Sandiagon]

If debt ratio (Debt/Income) is below 40%, 100% documented income and purchase of primary residence; you will get better deal with direct lenders like Wellsfargo, Bofa, etc… Direct lenders never charge origination fee. You need to shop around at least 4 lenders and you need to compare their charges. I come across the following charges as per my experience. 800 series related to lender charges.
800
801 Origination Fee
802 Points (Loan Discount Fee)
803 Appraisal Fee
804 Credit Report
805 Lenders’ Inspection Fee
808 Tax Svc Fee/Mtg Broker Fee
809 Tax Related Service Fee
810 Processing Fee
811 Underwriting Fee
813 Loan Document
814 Messenger
815? Funding/Wire
815? Flood Cert
1100
1101 Settlement/Closing Fee
1105 Document Fee
1106 Notary Fee
1108 Title Insurance Fee
1125 Courier Fee
1200
1201 Recording Fee
1202 City/County Tax/Stamps
1203 State Tax/Stamps
1300
1 month HOA fee
900
901 Prepaid Interest
902 Mortgage Insurance
903 Hazard Insurance 1 year
1000
1001 Hazard Ins 2 months
1004 Prop Tax 2 months

Total Closing Expenses

Some lenders use different names or combined different charges in to one category.

[Sandiagon]

If debt ratio (Debt/Income) is below 40%, 100% documented income and purchase of primary residence; you will get better deal with direct lenders like Wellsfargo, Bofa, etc… Direct lenders never charge origination fee. You need to shop around at least 4 lenders and you need to compare their charges. I come across the following charges as per my experience. 800 series related to lender charges.
800
801 Origination Fee
802 Points (Loan Discount Fee)
803 Appraisal Fee
804 Credit Report
805 Lenders’ Inspection Fee
808 Tax Svc Fee/Mtg Broker Fee
809 Tax Related Service Fee
810 Processing Fee
811 Underwriting Fee
813 Loan Document
814 Messenger
815? Funding/Wire
815? Flood Cert
1100
1101 Settlement/Closing Fee
1105 Document Fee
1106 Notary Fee
1108 Title Insurance Fee
1125 Courier Fee
1200
1201 Recording Fee
1202 City/County Tax/Stamps
1203 State Tax/Stamps
1300
1 month HOA fee
900
901 Prepaid Interest
902 Mortgage Insurance
903 Hazard Insurance 1 year
1000
1001 Hazard Ins 2 months
1004 Prop Tax 2 months

Total Closing Expenses

Some lenders use different names or combined different charges in to one category.

[Sandiagon]

For rental properties
Mira Mesa
RP
RB
Escondido
Oceanside

[Sandiagon]

For rental properties
Mira Mesa
RP
RB
Escondido
Oceanside

[Sandiagon]

For rental properties
Mira Mesa
RP
RB
Escondido
Oceanside

[Sandiagon]

For rental properties
Mira Mesa
RP
RB
Escondido
Oceanside

[Sandiagon]

For rental properties
Mira Mesa
RP
RB
Escondido
Oceanside

[Author]

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