有关short sale 的一些疑问

bj

看中了一个potential short sale 的房子想offer, 遇到了一些问题:

1.    卖方的agent 说 “this particular bank does not preapprove short sales without an offer” , 以前没有听说过, 是否有这样的事?
2.    还有 “the current lender must see a preliminary HUD statement before the will accept any short sale offer” , 我觉得好象是最后closing 的时候要的, 为什么现在要? 还有HUD 从哪里来(贷款, 或现金), 费用是多少?

1. You need to have a buyer to have the short sale work. w/o an offer, agent can't get commission and they won't waste time. Bear in mind, there are three parties in Short sale 1) Buyer/investor 2) Bank work out or loss mitigation dept. 3) Selling.

2. What this means is that you should have a buyer first. Once the contract is signed (all lenders require a fully executed contract) have your closer complete a preliminary HUD1. If your closer is familiar with short sales he/she will know they will have to work backwards with the numbers.Obtain the preliminary HUD1 from your closer and fax/deliver the entire “short sale package” to the seller's lender(s). It will take 30+ days to process

BL

rocky

第一个就是说你看中房子的话，要找个agent帮你提交offer,就是你愿意多少钱买的意向书。还有7788一堆你的材料，比如资金、工资证明之类的，证明你有能力买或者供这个房子。
第二个我不懂，HUD是啥东西？

老郭

HUD statement 是过户要用的一个详细的各种费用的表格。

应该是过户律师提供HUD statement 。费用已经在过户费里面了，所以您可以理直气壮地问过户律师要HUD statement。