Scott Veerkamp Real Estate

Scott Veerkamp Real Estate Review

Reviews: 1

1 RATING
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Total views: 4365

Published: 20 September 2019

Posted by: Anonymously

Scott Veerkamp is the President of the Franklin Township School Board and a member of the National Association of Realtors. I have documentation of two loans initiated by Scott containing Yield Spread Premium… Loan 1: Contains a $1,440 Yield Spread Premium on a $120,000 property. Loan 2: Contains a $4,799 Yield Spread Premium on a $150,000 property. (a) The following documentation is not an example of a loan initiated by Scott Veerkamp. I am merely providing this example to show the financial impact of YSP on the homeowner. (b) On average, mortgage brokers receive 1% of the loan amount each time they raise the interest rate .25%. In other words, the lender pays the broker a “”kickback”” for increasing the interest rate on the loan. (c) What is the difference in cost between a 6% rate and a 6.5% rate on a $200,000 loan over 30 years? Here is the answer according to bankrate mortgage calculator: -($23,414.40) (d) On the mortgage above, the broker would receive a $4,000 kickback or (2% of the loan amount) for increasing the interest rate .5%. Therefore, a family would pay an extra -($23,414.40) over 30 years because they did not receive the interest rate they qualified for.

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