09-27-2013, 07:19 AM
45 posts, read
95,020 times
Reputation: 17
We were told by our realtor that the government is putting a cap on closing cost come January. What impact will this have on buyers and sellers?
Last edited by ballrmdanz; 09-27-2013 at 07:21 AM ..
Reason: Want to take out some info.
09-27-2013, 09:20 AM
95 posts, read
170,022 times
Reputation: 106
Seriously? I just closed on a house lol, I would have waited a few months if I knew that...
09-27-2013, 09:31 AM
Location: Houston/Brenham
5,819 posts, read
7,236,484 times
Reputation: 12317
I'm not familiar with this. I'd like one of our resident (and expert
) realtors to chime in. They will know if this is legit.
09-27-2013, 10:02 AM
Location: The Greater Houston Metro Area
9,053 posts, read
17,203,029 times
Reputation: 15226
Not concerned. The lender I like to use already has low closing costs. However, I have sat at the closing table with my sellers and could not believe how ridiculously high some buyers' costs were. They weren't my clients and it was none of my business, but wow. There needs to be a cap - you cannot believe how some people are so ripped off. I have seen up to 3X as much as normal. It's predatory.
09-27-2013, 12:28 PM
Location: Westbury
556 posts, read
1,086,879 times
Reputation: 464
I haven't heard about this. Anyone have any details?
09-27-2013, 02:41 PM
958 posts, read
2,574,697 times
Reputation: 827
Quote:
Originally Posted by
cheryjohns
Not concerned. The lender I like to use already has low closing costs. However, I have sat at the closing table with my sellers and could not believe how ridiculously high some buyers' costs were. They weren't my clients and it was none of my business, but wow. There needs to be a cap - you cannot believe how some people are so ripped off. I have seen up to 3X as much as normal. It's predatory.
There are some caps coming on line, and more importantly loan qualification standards are changing. How it reflects to buyers? Additional cost and potentially additional time to close.
09-27-2013, 04:19 PM
4,246 posts, read
12,028,581 times
Reputation: 3150
Pretty sure they'll have loop holes and the big boys will find a way to take advantage of it.
09-27-2013, 05:09 PM
1,534 posts, read
3,495,689 times
Reputation: 1296
Yeah, there are some bogus closing costs out there and then they ll say they ll help you with, like $5k, with your closing cost. There should be some cap
09-27-2013, 05:39 PM
80 posts, read
138,744 times
Reputation: 45
Quote:
Originally Posted by
cheryjohns
Not concerned. The lender I like to use already has low closing costs. However, I have sat at the closing table with my sellers and could not believe how ridiculously high some buyers' costs were. They weren't my clients and it was none of my business, but wow. There needs to be a cap - you cannot believe how some people are so ripped off. I have seen up to 3X as much as normal. It's predatory.
Alright--- who do you use? What is typical closing costs?
09-27-2013, 05:49 PM
45 posts, read
95,020 times
Reputation: 17
If there is going to be a cap will they raise interest rates as well? Is it better to by now or wait till beginning of the year?
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Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)
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) realtors to chime in. They will know if this is legit.
