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b********2
发帖数: 5191 | 2 you can always review my service in my club |
|
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b********2
发帖数: 5191 | 4 rate is still good today |
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s******t
发帖数: 12883 | 5 jumbo loan rate一般比conforming loan高多少？
比如30年conforming load 是3.5%的话， jumbo loan 利率是多少？ |
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A*****8
发帖数: 1948 | 6 你说是super conforming还是jumbo还是conforming |
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s******t
发帖数: 12883 | 7 我问的是jumbo. 因为一般loan agent网站上有conforming 和super conforming
报价 ， 但是没有jumbo报价。 |
|
s******t
发帖数: 12883 | 8 如果贷款用jumbo的话， 风险就大了 。 虽然说等付够到refinance成super
conforming
的时候能把rate降低， 等到417k的时候再refinance成conforming的。
但是要是在等待的过程中利息上涨了， 那就没法子换成比4.25%更低的利率了。
要是还按照30年付清的话， 借jumbo loan的人要多花十几万才能付清。
所以现在买房的人， 如果downpayment不够把贷款控制在625k以下的，
会多花不少钱在利息上。 看起来大部分买新房的， 会舍弃watermark而选择
pacific highland. |
|
p*t
发帖数: 275 | 9 Last updated: 02/07/08
“今天你BSO了没有？”
SF版survival要则之一：识别BSO，创造BSO。。
俺实战总结了一些BSO的句式，欢迎补充。。有些明显，有些隐晦，反正表被它们蒙蔽
了。。
1. 昨天去napa，品酒的时候居然要我出示id。
2. 请问SF版的贫困线包括bonus么？
3. 出关时在小黑屋里耽搁了两个小时！
4. 我发现周围的海鸥没有没有2奶的了。
5. [QQMJ] Fremont那个给父母申请医疗保险的不错。
6. 唉，这个月的paycheck都要付property tax了。。or
我的一张paycheck 连mortgage 都不够.
7. [BOXSTER] 早上这一跌害我损失一万多。(BOXSTER refuses to admit this is his
.)
8. [Neuleben] i have to say vs show is just wife level 21.
9. 唉，要买prius了，实在是太丑了。
10. [jeeves] 我不明白LV有什么不好的。
11. 早早孕试纸买多少包装的比较好？
12. ... 阅读全帖 |
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t****u
发帖数: 8614 | 10
DTI不变，
LTV conforming < 70%, jumbo conforming under 65%.
Rental income必须要有两年的Schedule E才能算。 |
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y*****s
发帖数: 1841 | 11 I know <41.7 is conforming, more than 41.7 is jumbo. but what is jumbo
conforming?// blush. |
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r******d
发帖数: 1879 | 12 Conforming <=417K
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
10Yr ARM, 4.375%
7Yr ARM, 3.625%
5Yr ARM, 3.375
Super conforming <=729K
30Yr Fixed, 4.875%
15Yr Fixed, 4.375%
5Yr ARM, 4.0% |
|
r******d
发帖数: 1879 | 13 Conforming (LTV80, <=417K)
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
10Yr ARM, 4.375%
7Yr ARM, 3.625%
5Yr ARM, 3.375%
Super conforming, (<=729K)
30Yr Fixed (LTV80), 4.875%
15Yr Fixed (LTV80), 4.25%
5Yr ARM (LTV75), 3.5% |
|
r******d
发帖数: 1879 | 14 只有 refinance 还藏在心里
today's rate,
Conforming (LTV80, <=417K)
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
10Yr ARM, 4.5%
7Yr ARM, 3.75%
5Yr ARM, 3.375%
Super conforming (<=729K)
30Yr Fixed(LTV80), 4.875%
15Yr Fixed(LTV80), 4.375%
10YrArm(LTV75),4.75%
7Yr ARM(LTV75), 4.5% |
|
r******d
发帖数: 1879 | 15 Conforming (<=417K, LTV80)
30Yr Fixed, 4.875%
15Yr Fixed, 4.625%
10Yr ARM, 4.75%
7Yr ARM, 4.0%
5Yr ARM, 3.625%
Super conforming (<=729K)
30Yr Fixed(LTV80), 4.875%
15Yr Fixed(LTV80), 4.375%
10Yr ARM(LTV75), 5.0%
7Yr ARM(LTV75), 4.625%
5Yr ARM(LTV75), 4.0% |
|
g*s
发帖数: 2277 | 16 15Yr Fixed Conforming bi Super conforming gao? |
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r******d
发帖数: 1879 | 17 No Point No Fee
Conforming (LTV80,<=417K)
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
10Yr ARM, 4.75%
7Yr ARM, 3.75%
5Yr ARM, 3.375%
Super Conforming (<=729K)
30Yr Fixed(LTV80), 4.875%
15Yr Fixed(LTV80), 4.375%
10Yr ARM(LTV75), 4.875%
7Yr ARM(LTV75), 4.625%
5Yr ARM(LTV75), 3.625% |
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r******d
发帖数: 1879 | 18 今天利率还是不错的
Conforming (<=417K, LTV80)
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
7Yr ARM, 3.75%
5Yr ARM, 3.375%
Super Conforming (<=729K)
30Yr Fixed (LTV80), 4.875%
15Yr Fixed (LTV80), 4.375%
7Yr ARM (LTV75), 4.625%
5Yr ARM (LTV75), 3.75% |
|
r******d
发帖数: 1879 | 19 Conforming(<=417K, LTV80, Purchase)
5yr ARM, 3.375
7Yr ARM, 3.75
10Yr ARM, 4.625
15Yr ARM, 4.25
30Yr ARM, 4.75
Super Conforming(<=729K, Purchase)
5Yr ARM(LTV75), 3.625
7Yr ARM(LTV75), 4.275
10Yr ARM(LTV75), 4.75
15Yr Fixed(LTV80), 4.375
30Yr Fixed(LTV80), 4.875 |
|
r******d
发帖数: 1879 | 20 5Yr Arm Super conforming 3.5%
30yr Super conforming 4.75%
请到我的博客查看每天利率更多详情。 |
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t*******r
发帖数: 22634 | 21 super conforming 5/1 的话，3.25 的确很好。不知道那些 5/1 的其他
条款是不是都差不多 …………
不过俺还是保守搞 30yr fixed，个人具体情况而已 …………
super conforming 是不是要 75% LTV？ |
|
M********8
发帖数: 3837 | 22 房地产很local的，百万在弯曲好一点的地方是入门级的吧。最主要看贷款属于什么类
别，是
conforming, jumbo conforming, or jumbo，弯曲比较多人能给大的首期。 |
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k*********t
发帖数: 2999 | 23 conforming or jumbo conforming? |
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l******0
发帖数: 14 | 24 每天各类房屋贷款最低利率汇总，供弯曲人士参考：
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.375, APR 3.375
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K):
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.625, APR 3.625
4) 7 year ARM, 3.875, APR 3.875
5 |
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l******0
发帖数: 14 | 25 每天各类房屋贷款最低利率汇总，供弯曲人士参考：
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.375, APR 3.375
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K):
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.625, APR 3.625
4) 7 year ARM, 3.875, APR 3.875
5 |
|
l******0
发帖数: 14 | 26 The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.625, APR 3.625
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.5, APR 3.5
4) 7 year ARM, 3.75, APR 3.75
5) 10 year ARM, 4.25, APR 4 |
|
l******0
发帖数: 14 | 27 具体loan rate 请email至：b*************[email protected] 联系。
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.625, APR 3.625
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.625, APR 3.625
4) |
|
l******0
发帖数: 14 | 28 具体loan rate 请email至：b*************[email protected] 联系。
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.625, APR 3.625
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.625, APR 3.625
4) |
|
l******0
发帖数: 14 | 29 具体loan rate 请email至：b*************[email protected] 联系。
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.5, APR 3.5
4) 7 y |
|
l******0
发帖数: 14 | 30 具体loan rate 请email至：b*************[email protected] 联系。
based on no point no fee:
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year |
|
r******d
发帖数: 1879 | 31 Conforming 5Yr no cost no impound 3.125
Super conforming no cost no impound 3.375 |
|
l******0
发帖数: 14 | 32 具体loan rate 请email至：b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K):
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 |
|
l******0
发帖数: 14 | 33 具体loan rate 请email至：b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 yea |
|
l******0
发帖数: 14 | 34 具体loan rate 请email至：b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 year |
|
l******0
发帖数: 14 | 35 具体loan rate 请email至：b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 year |
|
l******0
发帖数: 14 | 36 具体loan rate 请email至：b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 year |
|
l******0
发帖数: 14 | 37 具体loan rate 请email至：b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K):
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 year |
|
F*********t
发帖数: 22 | 38 The conforming 417K:
1) 30 year fixed, 4.25
2) 20 year fixed, 4.125
3) 15 year fixed 3.75
4) 10 year fixed 3.5
5) 5 year ARM, 3.125
6) 7 year ARM, 3.375
7) 10 year ARM, 3.75
High-balance (super conforming) 729K:
1) 30 year fixed, 4.375
2) 15 year fixed, 3.875
3) 5 year ARM, 3.375
4) 7 year ARM, 3.50
5) 10 year ARM, 4.00 |
|
F*********t
发帖数: 22 | 39 Yes. BTW, What's your mortgage rate and term?
Best Rates 11/5/2010
No point no closing cost, no prepay penalty unless specified otherwise.
The conforming 417K:
1) 30 year fixed 4.125
2) 20 year fixed, 3.75
3) 15 year fixed 3.5
4) 10 year fixed 3.25
5) 5 year ARM, 3.125
6) 7 year ARM, 3.375
High-balance (super conforming) 729K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 5 year ARM, 3.125
Some limits might apply. Thank you.
If you are interested in, please contact me at:
Jessica Liu
MaxReal S... 阅读全帖 |
|
F*********t
发帖数: 22 | 40 Best Rates 11/5/2010
No point no closing cost, no prepay penalty unless specified otherwise.
The conforming 417K:
1) 30 year fixed 4.125
2) 20 year fixed, 3.75
3) 15 year fixed 3.5
4) 10 year fixed 3.25
5) 5 year ARM, 3.125
6) 7 year ARM, 3.375
High-balance (super conforming) 729K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 5 year ARM, 3.125
If you are interested in, please contact me at:
Jessica Liu
MaxReal Sunnyvale, www.maxrealusa.com
1288 Kifer Road, Suite 208, Sunnyvale, CA 94086
(Cell... 阅读全帖 |
|
F*********t
发帖数: 22 | 41 Best Rates 11/5/2010
No point no closing cost, no prepay penalty unless specified otherwise.
Some limits may apply. thanks.
The conforming 417K:
1) 30 year fixed 4.125
2) 20 year fixed, 3.75
3) 15 year fixed 3.5
4) 10 year fixed 3.25
5) 5 year ARM, 3.125
6) 7 year ARM, 3.375
High-balance (super conforming) 729K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 5 year ARM, 3.125
If you are interested in, please contact me at:
Jessica Liu
MaxReal Sunnyvale, www.maxrealusa.com
1288 Kifer Road, Suite... 阅读全帖 |
|
F*********t
发帖数: 22 | 42 The conforming <=417K:
1) 30 year fixed 4.25
2) 15 year fixed 3.75
3) 10 year fixed 3.25
4) 5 year ARM, 3.25
6) 7 year ARM, 3.375
High-balance (super conforming)<=729K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 5 year ARM, 3.75
No point, no fee, all APRs are same.
Some limits may apply.
If you are interested in, please contact me at:
Jessica
j***********[email protected]
650-265-8137 |
|
F*********t
发帖数: 22 | 43 The conforming <=417K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 10 year fixed 3.75
4) 5 year ARM, 3.25
6) 7 year ARM, 3.375
High-balance (super conforming)<=729K:
1) 30 year fixed 4.5
2) 15 year fixed 4.0
3) 5 year ARM, 3.75
No point, no fee, all APRs are same.
Some limits may apply.
If you are interested in, please contact me at:
Jessica
j***********[email protected]
650-265-8137 |
|
t****u
发帖数: 8614 | 44 Conventional,
SFH 20%.
If you are willing to pay PMI, conforming 10%, jumbo conforming 15%.
Once your LTV is below 80%, you can request to cancel PMI.
Condo 25%.
If you qualify FHA,
3.5%, but you need to upfront 1.75pt and every year 0.55pt, and you can't
cancel it. |
|
r******d
发帖数: 1879 | 45 729K >= jumbo conforming (super conforming) > 417K
Jumbo > 729K |
|
t****u
发帖数: 8614 | 46
利率肯定会涨，因为现在的conforming和jumbo conforming，F2是市场上的唯一买家，
这是当政治任务完成的。银行的人自己都说，这么低的利率，如果银行自己做100%赔钱
的，正因为F2买下来，银行没风险才会做。
F2私有化，就不可能明知赔钱也去买这么低利率的loan，所以利率肯定要涨。
但利率涨和房价跌没有必然联系。历史数据也没有显示其有联系。比方说从1968年到
1990年加州只有一年的房价是跌的，但是大部分年间利率是涨的。
此外，最近10年实战情况来说，03-07年加州地产狂涨，同期利率也是涨的，07年到10
年，则是反过来，大部分时间，房价和利率一起跌。
利率涨会降低人民群众的affordibility，但影响affordibility因素并不只有这一个。
房价本身的因素更重要。
实际上，房价跌后，利率会跟着跌，这时候会有一段一起跌的时间，反过来，房价开始
涨的时候，利率也会跟着涨，这时候会有一段时间一起涨。这个似乎更符合实战的情形。 |
|
l******0
发帖数: 14 | 47 具体loan rate 请email至：b*************[email protected] 联系。
The conforming 417K:
1) 30 year fixed 4.75
2) 20 year fixed, 4.625
3) 15 year fixed 4.125
4) 10 year fixed 3.55
5) 5 year ARM, 2.875
High-balance (super conforming) 729K:
1) 30 year fixed 4.875
2) 15 year fixed 4.25
3) 5 year ARM, 3.375
4) 7 Year ARM, 4.125
JUMBO (417K+ up to 2m):
1) 3 year ARM 3.75 (no prepay penalty)
2) 5 year ARM 3.875 (no prepay penalty)
3) 7 year ARM 4.25 (no prepay penalty)
4) 10 year ARM 4.625 (no prepay penalty)
5) ... 阅读全帖 |
|
j********i
发帖数: 913 | 48 如果是purchase Loan, 你要注意closing cost 的差别， 如果是Santa Clara County
的旧房子， 因为Title 部分的cost 大部分是Seller 出， buyer的部分跟refinance
差不多，$3,000 左右， 你可以No points, No costs 拿到最低利息。
别的County 无论新旧， Closing cost 要 $5，000-$8，500， depending on Title
company, loan amount and purchase price， 所以， 为了拿到最低利息， 你要
付closing cost -$3,000 的差价， 或者， 提高点利息， 也可以做到 cover 所有
的Closing costs.
其实， 如果是Conforming Loan, <$417K， Primary residence, 5/1 and 7/1 ARM
都是很好的选择。如果是Super Conforming, $417K-$729K, 你如果有25%
downpayment,
我目前只推荐 5/1 ARM... 阅读全帖 |
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s*******d
发帖数: 380 | 49 conforming贷款上限417k，往上面就是super conforming。不过现在利率低，两者差别
不是很大。 |
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F*********t
发帖数: 22 | 50 The conforming FRM( < 417K ):
1) 30 year fixed, 4.375
2) 20 year fixed, 4.25
3) 15 year fixed 3.75
4) 10 year fixed 3.25
The conforming ARM( < 417K )
5) 3 year ARM, 2.75
6) 5 year ARM, 2.875
6) 7 year ARM, 3.375
Note: The rates are subject to mid-day changes. This is
true when stock and bond markets move radically during the day.
Also the rates are based on No Point No Fee. So APR = Note Rate.
Please send me an email to j***********[email protected] or directly reply if you
are interested in the prog... 阅读全帖 |
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