千叮咛万嘱咐 - 做贷款中要注意的问题

这两年lender的要求越发严格苛刻，在你看房子期间就应该为了未来几个月做贷款有所准备：

1.  最近去mall里买东西， 店员热情地让你开张信用卡， 能省10%， 15%， 先忍忍， 别开了。 等买了房子再说。查一次信用分数最少要降10分。 另外， 你可以去myfico.com 去检测你的信用分。 信用分是贷款的基本。 关系到你能拿到的利息。 一定要维护好。 

2. 从亲朋好友那里借钱或者gift,  有些lender还会要对方的2个月的银行流水。 所以不是那么简单。 先和自己的agent还有loan officer 沟通好。 凡事提前准备好。 另外loan officer也会帮你规划一下， 算好你需要准备多少首付加上Reserve.

3. 这个就是我不怕罗嗦不怕麻烦千叮咛万嘱咐的事情： 所有的进账, 银行会让你解释怎么来的，哪怕有的时候只有几百块钱！ 有一次客户就是一摸裤兜有200块钱顺便存银行了。 解释信写了好几次才过关。 你肯定说银行没事找事小题大做。 但是银行的确有很多页的guidelines, 遇到较真儿的underwriter你怎么办啊。

4. 换工作的， 工作有些状况的， 前后2个工作之间有Gap的， 也要提前和loan officer沟通。 基本上都是可以解决的， 就是要提前想到沟通好。 

Bernanke's refinanced twice recently

Ben Bernanke lives in a three-bedroom, 2,100-square-foot, attached town house near the Capitol. It has an appraised value of roughly $850,000, not far from the $839,000 he paid for it in 2004. A public record search shows he owes $672,000 on the home, after refinancing his mortgage twice. 

One refinancing was in late 2009. The other was in late September, shortly after the Fed announced a new program, known as "Operation Twist," which aimed to drive down long-term interest rates. 

After a decade in Washington, Mr. Bernanke doesn't seem to have been swept up by the nation's capital. 

He doesn't read books about the financial crisis. When asked in September if he had seen a recent HBO movie about it, he said he hadn't: "I saw the original."