一般借贷人shopping房屋贷款利率时，从bank里能拿到的只是retail的利率。就好比当您走进一家retail商店shopping时，买到的都是零售价的商品。
而mortgage broker 从银行手中拿到的则是wholesale的利率。和银行一样，mortgage broker 给您做贷款时，也会向客户收取费用，这笔费用叫broker origination费。如果客户想拿到wholesale的利率的话，就要支付这笔broker origination费用，再加上银行的underwriting fee及其他各项贷款费用，这些费用综合起来，就是通常所说的closing cost。
为了鼓励broker把wholesale的利率卖给客户，银行通常都会配以很高的credit给这些wholesale的利率。Broker把除去自身费用的剩余部分都反馈给了客户。当您的利率达到了一定的高位时，credit足以用来支付broker，银行及其他的各项贷款费用时，您的贷款利率就成了no closing cost。换而言之，the closing costs 被银行全部承担下来。
No closing cost对很多人来说很有吸引力，因为它所省下来的费用是立竿见影的，因此在心理上形成了巨大的优势。但是它是以较高的利率作为代价的。如果一味的推崇no closing cost，而不加以冷静的分析，对很多客户而言不仅不省钱，而且有可能损失的更多。
接下来我将会再写几篇文章来分析no closing cost贷款方案的好坏，敬请各位到时阅读。
An interesting discussion is worth comment.
I do think that you need to publish more about this topic, it may not be
a taboo matter but usually people don’t discuss these subjects.
To the next! Many thanks!!
I pay a visit day-to-day a few web sites and information sites
to read articles or reviews, except this weblog gives feature based
posts.
order doxycycline 200mg sale – hydroxychloroquine 400mg oral chloroquine 250mg canada
lasix 100mg tablet – buy azithromycin for sale order zithromax online cheap
buy accutane pill – amoxil 1000mg pills order amoxicillin 500mg online
For most recent information you have to pay a quick visit
internet and on the web I found this web site as a most excellent web page for most up-to-date updates.
buy erectile dysfunction drugs over the counter – best ed medication buy prednisone 5mg for sale
brand viagra 100mg – order sildenafil 100mg online cheap cost tadalafil 10mg
Yes! Finally someone writes about health supplement.
Hello there, I discovered your blog by the use of Google
at the same time as searching for a similar matter,
your website came up, it appears to be like great. I’ve bookmarked it in my google bookmarks.
Hi there, just changed into aware of your blog via Google, and found that it is truly informative.
I am gonna watch out for brussels. I will be grateful if you happen to continue this in future.
Lots of other folks can be benefited from your writing.
Cheers!
buy avodart for sale – order cialis 5mg order cialis 10mg pill
Hello, i think that i saw you visited my web site thus i came to “return the favor”.I am attempting to find
things to improve my web site!I suppose its
ok to use a few of your ideas!!
Very nice post. I just stumbled upon your weblog and wished to
say that I have truly enjoyed surfing around your blog posts.
After all I’ll be subscribing to your feed and I hope you
write again soon!
Your style is so unique compared to other folks I
have read stuff from. Thanks for posting when you have the opportunity, Guess I’ll just bookmark this web site.
topamax 200mg without prescription – order generic levaquin 500mg generic imitrex 50mg
cialis 40mg tablet – warfarin buy online purchase coumadin pills
That’s an awesome point
price cialis – purchase tadalafil for sale buy sildenafil 50mg online
lasix price – buy doxycycline pill viagra on line
accutane 20mg cost – accutane 10mg uk cost zithromax 250mg
buy provigil without prescription – purchase modafinil generic buy erectile dysfunction medication
buy tadalafil 5mg sale – Cialis for order cialis 10mg sale
buy esomeprazole 20mg pills – order phenergan without prescription phenergan uk
buy sildenafil 50mg pill – viagra buy online sildenafil overnight shipping usa
cost sildenafil 100mg – viagra pills 50mg clopidogrel 150mg pill
gloperba usa – buy gloperba for sale buy strattera 10mg generic
buy toradol 10mg pill – buy ketorolac online buy baclofen generic
buy viagra 50mg online cheap – sildenafil 200 mg order cialis 5mg
viagra 150mg price – order lisinopril 10mg online buy flexeril
ezetimibe 10mg sale – order zetia pill order citalopram 20mg generic
buy atarax pills – order rosuvastatin 20mg online rosuvastatin 10mg brand
purchase diltiazem – buy diltiazem online cheap order acyclovir online
cialis for women – cenforce 50mg pill generic cenforce 100mg
sildenafil mail order – viagra for men gabapentin 100mg pills
buy misoprostol 200mcg sale – order cytotec 200mcg pill synthroid online
order generic clarinex – clarinex 5mg pill triamcinolone 10mg without prescription
clomid without prescription – order albuterol online cheap zyrtec online order
order pregabalin 75mg online – buy pregabalin 75mg pill buy pregabalin without prescription