Hidden or Uncommunicated Penalties
Has a lender failed to disclose prepayment penalties or terms that would limit your ability to refinance? Many people are unaware of the hidden penalties written into their loan. At MAA, when we review your loan, we will uncover every possible penalty and clearly explain it to you, in big BOLD print, so you are aware of it BEFORE signing that loan.
Do you have a similar experience, where penalties kept you from refinancing, or paying off the loan in order to retain a more affordable one. Are you at risk of losing your home because these terms were not clearly communicated to you by your lender? We’d like to hear about it.
71 Responses to “Hidden or Uncommunicated Penalties”
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December 25th, 2007 at 10:55 pm
I have been working in the Mortgage industry for more than 20 yrs. I think the hype of the recently hot market, and historic interest rates have brought about a perfect storm which resulted in: 1) high demand for loans and 2) many new, inexperienced and even fly-by-night lenders or mortgage reps into the business. Going with a reputable lender is one thing, but even then with all of the new “creative” loans out there, not many people read the fine print, or even understand what may be explained to them by their agent, lender or notary, so having a service like this could be a definite help to the inexperienced borrower. And it does make a whole lot of $ense considering your home is probably your most important asset, so it doesn’t sound like a whole lot of money to gain that peace of mind knowing you made the right choice, or helping you get out of a bad situation quick before you really lose your shirt!
Let me know how I can partner with you!
January 10th, 2008 at 8:00 pm
I don’t know what the F*CK this “yield spread premium” is, but my mortgage broker I think made about 15K on it. Can anyone please help me??
January 10th, 2008 at 8:02 pm
Yardhouse, a yield spread premium (or “YSP”) is a rebate the bank pays to the mortgage broker if that mortgage broker can get you into a loan at a higher rate than usual. Specifically, it is this increase in “spread” of the rate that the bank would be willing to offer you and the rate that the mortgage broker sold you. How’s that for mortgage service?
January 15th, 2008 at 8:49 pm
Are you getting me!? Is that legal? I had NO idea that my mortgage broker was doing this. He also made “points” on the deal. Is that what he meant!? I am so frustrated!
March 7th, 2008 at 6:04 pm
I think this is great. I had such a crappy loan officer who made thousands of dollars on me! I ended up having to default on my loan and lost my house.
September 28th, 2008 at 10:43 am
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May 20th, 2010 at 1:52 am
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Тест-дизайнер, менеджер по тестированию, старший тестировщик At MAA, when we review your loan, we will uncover every possible penalty and clearly explain …
June 5th, 2010 at 8:43 pm
Обсуждение…
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