紧急求助！有用BROKER申请mortgage的朋友请进！！！

[20101018]

我通过一个BROKER申请的MORTAGE，她说银行通过了，给我发来一些文件让我签，
里面有mortgage commitment, mortgage brokerages, lenders and administrators act,amortization summary, agreement for pre-authorized debits, 同时她还让我给她发我的工资单还有雇主信，还有VOID CHEQUE.这些我看了一下，没有什么问题。

但是最后她要求我签一个BORROWER'S ACKNOWLEDGEMENT AND COVENANT， 这个文件里面说如果我提供的文件不符合银行的要求，从银行贷款失败，那么我就要付给她也就是我的BROKER $1000, 如果我条件符合并且贷下来了，那么我就不用付给她钱。

我之所以从这个BROKER这里申请贷款有两个原因，
一，她的RATE实在是好很多， 3 YEAR FIXED 2.9% 3 YEAR VARIABLE PRIME-0.75
二，我的信誉度不是很好，雇主信不是很完美，我从别的BROKER那里贷就很多麻烦，这个BROKER就一直跟我说从她那里贷没有问题，但是具体她也没有看过这些文件，如果银行真的给拒绝了，我也没有话说，那我就找别人贷好了，但是她的这个赔她 1000块钱，这个条款实在是不知道要不要签，因为是她一直说可以贷下来，那么将来贷不下来，我还要赔她钱？想不明白，问问有经验的朋友，这个1000块钱赔款是行规还是她特别给我发来的？

这个BROKER人还挺有能力的，我的意愿还是希望能够从她手里贷下款来的。

请不吝赐教！

 

[陨石]

Say "NO" to the $1000.
I just did with a broker without such thing.

 

[吾言]

Say "NO" to the $1000.
I just did with a broker without such thing.

能说是哪一个吗?

 

[from beijing]

"她的RATE实在是好很多"

That's not a good rate.you should ask more brokers.

 

[陨石]

能说是哪一个吗?

不能。我不能给人义务广告。

 

[moveinmotion]

"她的RATE实在是好很多"

That's not a good rate.you should ask more brokers.

He/She said "二，我的信誉度不是很好，雇主信不是很完美，我从别的BROKER那里贷就很多麻烦，". I guess he/she was refused by other brokers.

My suggesstion is:
1. Try to remove the $1,000 term
2. If you cannot, remove the $1,000 term, but add another term giving the broker $500 - $1,000 extra money after she finally get the mortgage for you.


However, if you were refused by many brokers, then probably you should not loan the mortgage.

 

[wiiwii]

真还没听说过有这样的事情.
你那BROKER不会是中国人吧?
有些事情找老外反而好办,他们胆子大,路子粗,后顾之忧相对少.
讲过点,你要贷款,BROKER就肯定能给你贷到

 

[spring2009]

Micheal Wang

you can find his name on the Chinese news paper.

 

[David89]

我通过一个BROKER申请的MORTAGE，她说银行通过了，给我发来一些文件让我签，
里面有mortgage commitment, mortgage brokerages, lenders and administrators act,amortization summary, agreement for pre-authorized debits, 同时她还让我给她发我的工资单还有雇主信，还有VOID CHEQUE.这些我看了一下，没有什么问题。

但是最后她要求我签一个BORROWER'S ACKNOWLEDGEMENT AND COVENANT， 这个文件里面说如果我提供的文件不符合银行的要求，从银行贷款失败，那么我就要付给她也就是我的BROKER $1000, 如果我条件符合并且贷下来了，那么我就不用付给她钱。

我之所以从这个BROKER这里申请贷款有两个原因，
一，她的RATE实在是好很多， 3 YEAR FIXED 2.9% 3 YEAR VARIABLE PRIME-0.75
二，我的信誉度不是很好，雇主信不是很完美，我从别的BROKER那里贷就很多麻烦，这个BROKER就一直跟我说从她那里贷没有问题，但是具体她也没有看过这些文件，如果银行真的给拒绝了，我也没有话说，那我就找别人贷好了，但是她的这个赔她 1000块钱，这个条款实在是不知道要不要签，因为是她一直说可以贷下来，那么将来贷不下来，我还要赔她钱？想不明白，问问有经验的朋友，这个1000块钱赔款是行规还是她特别给我发来的？

这个BROKER人还挺有能力的，我的意愿还是希望能够从她手里贷下款来的。

请不吝赐教！

Don't sign that kind of paper.

Ask him if the paper has been made by himself or it's standarded in his firm. I ever used two mortgage brokers in Ottawa but have never been asked to sign a paper like that.

 

[闲得慌]

Don't sign that kind of paper.

Ask him if the paper has been made by himself or it's standarded in his firm. I ever used two mortgage brokers in Ottawa but have never been asked to sign a paper like that.

请解释上面的 “ever” 是啥意思。LZ不要误会，我是真的不懂。

 

[20101018]

Don't sign that kind of paper.

Ask him if the paper has been made by himself or it's standarded in his firm. I ever used two mortgage brokers in Ottawa but have never been asked to sign a paper like that.

thank you

 

[20101018]

He/She said "二，我的信誉度不是很好，雇主信不是很完美，我从别的BROKER那里贷就很多麻烦，". I guess he/she was refused by other brokers.

My suggesstion is:
1. Try to remove the $1,000 term
2. If you cannot, remove the $1,000 term, but add another term giving the broker $500 - $1,000 extra money after she finally get the mortgage for you.


However, if you were refused by many brokers, then probably you should not loan the mortgage.

I was refused only by one broker, she is an entry level broker.
After her, I tried onebroker, she is the one that want $1000. I also tried RBC, the specialist said I can get my mortgage, however her rate is not so good.

 

[20101018]

"她的RATE实在是好很多"

That's not a good rate.you should ask more brokers.

Really? What kind rate is a good rate right now? This is the best rate I can get from all the broker I know.

 

[wiiwii]

Really? What kind rate is a good rate right now? This is the best rate I can get from all the broker I know.

the rate you got is normal, pretty much all broker could give you that rate

 

[20101018]

the rate you got is normal, pretty much all broker could give you that rate

can u give me detail name pls?