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w*******g
发帖数: 9932 | 3 you are killing me here. |
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b*d
发帖数: 9308 | 5 If you are 100% sure that you won't stay in your house for more than 5 years
, then 5yr ARM is your best choice. |
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b*d
发帖数: 9308 | 6 先不说那个利率好，首先看你5年内会不会搬家，或者卖房子？如果会，肯定是5yrs
ARM好。 |
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s****g
发帖数: 329 | 7 If we want to go for 5yr arm, do we still jabber the. 25 point? Thanks.
applying |
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d*****a
发帖数: 3983 | 8 GXGX,我们明天close.
rate 3.625% 5yr arm.:)
比起你的好象差多了。：）
哎，今年春节看来是得忙着装修忙着搬家了。：（ |
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d*****a
发帖数: 3983 | 9 GXGX,我们明天close.
rate 3.625% 5yr arm.:)
比起你的好象差多了。：）
哎，今年春节看来是得忙着装修忙着搬家了。：（ |
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d*****a
发帖数: 3983 | 10 GXGX,我们明天close.
rate 3.625% 5yr arm.:)
比起你的好象差多了。：）
哎，今年春节看来是得忙着装修忙着搬家了。：（ |
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n*******9
发帖数: 3244 | 11 what is your current rate and how long have you had it? How much remaining
on the loan and what kind of mortgage are you looking for （5yr ARM or fixed
)?
investment |
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n*******9
发帖数: 3244 | 12 do a no cost refi now and change your mortgage to a 5yr or 7yr ARM to lower
the rate within 3% then rent it out. you should be able to get a positive
cash flow and if you decide to sell within 5 or 7 yrs, you should be able to
make money. Boston is on its way to rise. |
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n*******9
发帖数: 3244 | 13 how long have you had current one? what is the balance? why don't you
replace with a same 5yr ARM?
pocket
80 |
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d****f
发帖数: 73 | 14 谢谢，我拿加州俱乐部的利率去和我的broker 谈，他说这是加州的，不算！你要能找
到东部的我才能给你一样的。
我的Single Family House, LTV = 79%, FICO = 800,贷款大于410K
现在手上的利率是
5Yr ARM 3.325%
7Yr ARM 3.875%
15Yr Fixed 3.875%
30Yr Fixed 4.5%
我觉得还蛮高的，和今天在加州俱乐部看得比起来，当然我知道加州俱乐部的是LTV =
75%
我本来想弄7Yr ARM的，现在看来居然和15年固定的一点差别都没有
不知道达人们认为我拿到的这个够好吗？
谢谢大家！ |
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n*******9
发帖数: 3244 | 15 It's about how to protect your money and investment.
if you pay with all cash and the house value keep moving down for another 15
to 30% by the time you have to sale it, what will you do and how much will
you lose? you don't have a choose, but to take the lose. that's for one.
as for investing, I'm not going to tell you to put the money into stock
market since you may lose them all, but if you put that money into a icbc
saving account (工行整存整取）back in China, you will earn money. the 5 yr
RMB savi... 阅读全帖 |
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n*******9
发帖数: 3244 | 16 5yr ARM好了。不sure的话，上7yr ARM. 这年头能省点是点。 |
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a*****s
发帖数: 3643 | 17 09/06/2011买的房子，现在在加州可以做refi吗？
5 ARM 可以到多少？ |
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S**********e
发帖数: 10 | 18 有的银行可以现在就开始申请了，有的银行则要等到120天以后才能开始申请。现在40
万的贷款（LTV<=75%，自住屋）可以做到2.75% with no cost了。 |
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b*d
发帖数: 9308 | 19 应该可以做Refi了，不过最好去和你的broker确认一下Refinance什么时候close没有
penalty，是120天还是180天？ |
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b********3
发帖数: 30 | 20 should be fine to do refi, 2.75% in california |
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H*********g
发帖数: 217 | 21 best case 2.625% in MA/CT 2.75% in NJ. |
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Y***o
发帖数: 4135 | 23 How about high balance betwn 417-625K? What is the rate for 5ARM, 7ARM?
40 |
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k******o
发帖数: 3328 | 24 4 months is normally acceptable, better check with your previous agent. |
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s**********a
发帖数: 3273 | 25 这有点胡扯了。5yr ARM 如果能撑到现在的，都巴不得 reset 呢。现在的利率
比五六年前可低太多了。 |
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y**a
发帖数: 39 | 26 I think kellyz is the id for IL loan. I got 2.375% for 5yr ARM. |
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r******d
发帖数: 1879 | 27 I m in CA, not GA. Just let you know that today's ARM is very good compare
to before. It can be 2.5% for 5yrs and 7 yrs ARM in CA. Check your local
broker for the rate, just let you know the trend.
Good luck!! |
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n*******9
发帖数: 3244 | 28 r u sure the water heater and a/c are still having warranty? that's about
5yrs ago. who would provide free warranty this long? |
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m*****n
发帖数: 314 | 29 今天利率没什么变化,VA, MD大华府地区 refinance with no closing cost,
最好可以做到以下rate:
30YR fix 3.25%
5YR fix 2.50% |
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b******y
发帖数: 1684 | 30 这么有钱，可以直接上commercial property了。最大的好处是你不需要管理。
For example, 7-eleven at some great metros such as Dallas,
10yr lease + 3*5yr options, 5.5% initial CAP,
10% rent increase every 5 yrs,
is almost the most conservative commercial real estate investment. |
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n*******9
发帖数: 3244 | 31 Try to answer the Qs below:
Q1: how long do you plan to own this property (not just live there but
owning it)?
Q2: do you need this extra $2500 or not?
Q3: what chance do you believe that the interest rate will go down below 3.
625% in the near future?
BTW, it only takes 5yrs for 1 to catch up, not 8yrs. |
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r******d
发帖数: 1879 | 32 You can refinance from 5yrs ARM to 5 ARM program at any time, no need to
wait for 5 years over, as long as the new 5 yrs ARM program's rate is at
least 0.25% lower than the current rate for refinance benefit purpose. |
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n*******9
发帖数: 3244 | 33 based on 1997 tax relief act, if you have used this property as your primary
residence for at least two yrs in the past 5yrs from the time you sold it,
there will be no capital gain tax for the 1st $500k and 15% for the part
over $500k. btw, if you already have had $4M gain for something you paid
just $1m, who cares about the 15% tax!?
to
to |
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m******o
发帖数: 200 | 34 5Yr 2.375% 7Yr 2.625%
Can I lock it? |
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n*******9
发帖数: 3244 | 35 it should have another 5yrs. |
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n*******9
发帖数: 3244 | 36 it should have another 5yrs. |
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c*****e
发帖数: 8 | 37
如果你比较保守，而且预期5年内30yr fixed的利率不会比现在低，那么做30yr fixed.
之前听说有人做完5yr arm不安心不踏实，手边有点钱就放mortgage里面，可能正常的
消费支出活动也被打乱。可能是个极端的例子。 |
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a***r
发帖数: 65 | 38 新买房，贷款方给的利率是：
5yr arm = 2.75%
7yr arm = 3.0%
30yr fixed = 3.625%
打算是在这个房子里住10年左右后卖掉，请问选哪个利率比较合适？谢谢 |
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b*****x
发帖数: 3786 | 39 刚开问的时候是 2.75@15 fixed, 不过因为 closing is 47 days
ahead (> 45 days), 如果要 lock 要加 300, 我那时候问 seller
能不能提前几天, seller 说没法早搬, 所以没加钱 lock, 结果过了两天
可以免费 lock 的时候变成 2.875, 后来 seller 又要求提前 10 天
close, 气死了,白浪费了我几千块.
不过在最低的时候也 lock 了 2.25@5yr arm, 2.5@7yr arm, 但后来
我们还是决定用 15 fixed. |
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r******d
发帖数: 1879 | 40 That is true.
People used to choose 5/7 yrs ARM before due to the rate is a lot better for
5/7 yrs ARM. 5/7 arm used to be as low as 2.25%-2.5%. But lately rate has
jumped up a lot and 5/7/10 yrs ARM didn't have BIG significant different.
ie, for same conditions today, 3.25% is 5 yrs ARM, 3.375% is 7 yrs ARM and
3.625% is 10 yrs ARM.
Assuming your loan amount is 400K/LTV75%/FICO 740+
10yrs ARM monthly mortgage will be around $80 more than the 5yrs ARM, and $
56 more than 7yrs ARM. |
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r******d
发帖数: 1879 | 41 I would assume "NO closing fee" just for NO LOAN related closing fee.
It will take about 3.7 yrs to break it even between these two options.
Is this ARM program or FIXED? If it is 5yrs ARM, you need to choose no
cost one since you will refinance soon anyway. If this is the fixed program
, I will personally choose 3.5% with $1700 closing cost since I feel the
rate might not be able to go lower in the short term. ( BUT I WISH I AM
WRONG :)
1700 |
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I******D
发帖数: 256 | 42 closing cost 大体可以分成3大类
第一类，跟lender 相关的费用。你这里的lender的费用如下，共$1698, 减去Closing
Cost Rebate 470.00， 剩下$1228. 这是一个合理的费用。
Loan Origination Fee: $0.00
Loan Discount Points: $0.00
Appraisal Fee: $460.00
Credit Report Fee: $10.00
Tax Service Fee: $87.00
Application Fee: $460.00
Processing/Underwriting Fee: $595.00
Third Party Courier: $75.00
Flood Certification: $11.00
第二类费用，title company 的费用。在很多州正常的买卖(not short sale or
foreclos... 阅读全帖 |
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v********e
发帖数: 1985 | 44 Only fixed for first 5 or 10 years. Then it might go up. |
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y**********a
发帖数: 733 | 45 能不能在中间做refinance变成15年的？ |
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k***a
发帖数: 2400 | 46 refi只要过了lender的minimum period就可以做，一般4-10个月。每个lender要求不同。 |
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n*******9
发帖数: 3244 | 48 Doesn't matter. You only need to accumulate 24 months of staying time in the
past 5yrs from closing. |
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O******1
发帖数: 55 | 49 local的华人loan officer给我quote了一下昨天的rate:
3.25% with lender fee $1,143.75
3.375% with lender fee $41.25
3.75%: no lender fee, lender also give you additional $2,872.50 toward to
other costs.
loan amount: 310k, 绿卡。我的credit score被一个collection影响，只有690左右，
最近payoff了一个车，应该能勉强上700.
多谢建议！ |
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