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Broker, MBA (24 years experience)
Specialties:Buyer's Agent,Listing Agent,Commercial R.E.,Notary,Property Management,Landlord
Owner and Broker of Spark Realty which has offices at San Jose and Los Altos. Graduated from San Jose State University Major In Business and Accounting, Has worked at High tech Company Quantum and Consulted at several High-tech Company.Many years tax preparation enabling the tax consequences of real estate transaction and financing impact to taxation. Many years experiences of Real estate transaction for buyer and seller with negotiation skills. Timing is very important in real estate transaction. I have been served well most of the transactions.
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주택 융자 주택을 구입하려면,제일 먼저 해야할 것이 융자 승인을 받는 일이다. 본인에게 융자의 한도가 얼마나 되는 지를 알아야 그 범위내에서 집을 찾기 때문이다 요즈음, 대부분의 주택거래에서는융자 승인 서류를 미리요구한다. 셀러입장에서도 융자를 받지 못할 사람에게 시간을 낭비하여 여러가지 손해를 방지하고 싶은 것은 당연하다.따라서 마음에 드는 집을 찾았을 때, 그 집을 놓치지 않기 위해서는 미리 융자 승인 서류가 준비되어 있어야 하겠다. 따라서 집을 사려고 한다면 부동산 에이젠트보다는 융자 담당자와의 만남이 우선이 되는 것이 바람직하다고 할 수 있다. 주택융자에서 가장 중요한 것은 다운페이가 얼마인가 보다는 수입 증명과 크레딧 점수라고 할 수있다. 그것만 충분하면(물론 20%다운페이 미만시에는 보험(PMII)를 가입해야하는 추가 부대비용이 있지만)다운페이는 5% 이상이면 가능하다.하지만 요즈음, 융자조건이 많이 완화되어서,프로그램에 따라서 다를 수 있지만, 수입 증명이 없어도, 크
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