r******e
发帖数: 289 | 1 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 2 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 3 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.125 3.375
Refinance Loan 4.750 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 4 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 5 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.500
Refinance Loan 5.000 4.375 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 6 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 7 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.375
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
K****z
发帖数: 405 | 8 我认为不会有任何影响。
首先，新开的debt要到至少一个月之后才会出现在credit report上，也就是你的第一
个billing statement出来之后。所以你现在根本不用担心你的DTI.
其次，银行不会无缘无故去rerun credit.除非你的processing超过3个月，现在的
report过期了。因为rerun credit之后他们还要花时间再重新看你的case.不过这一点
对于FHA loan，不是十分确定。十分好奇为什么要做FHA，难道credit不好?
如果真的会rerun你的credit，上面一定会多一个inquiry from家具店。你就写一封信
说你在shopping around家具就行了。越简单越好。 |
|
r******e
发帖数: 289 | 9 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.375
Refinance Loan 4.750 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 10 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.750 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 11 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 12 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 13 Market is stable today as investors are still waiting for earnings report.
JP Moragan's upbeat reports seems to signal another run of stock market. For
new homebuyers, it is better to enjoy this silent period but should not
expect a long run.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=7... 阅读全帖 |
|
r******e
发帖数: 289 | 14 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.375
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 15 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.125
Refinance Loan 4.750 4.125 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 16 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.125 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 17 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.125 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 18 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.250
Refinance Loan 4.750 4.125 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 19 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 20 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.750 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 21 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.125 3.250
Refinance Loan 4.750 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 22 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.125
Refinance Loan 4.750 4.125 3.250
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 23 Bond market is going up a little higher with the flush of earning news from
energy stock and the short-term easement of Egyptian turmoil.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.000 3.125
Refinance Loan 4.750 4.125 3.250
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is... 阅读全帖 |
|
c**********e
发帖数: 1184 | 24 不是的。Conforming Laon (即小于41万7的贷款额)最低可做到5%的头款。
只是低于20%的头款，会有额外的限制，如DTI（即Debt-To-Income Ratio）的要求会降
到41%，另外还需要买private mortgage insurance；No Permanent Alien的身份最少
要放10%的头款，等等。具体情况需和你的贷款经纪或银行联系询问。 |
|
c**********e
发帖数: 1184 | 25 短评：今天（2月8日星期二）上午银行连续两次上调贷款利率，<$417K的购房贷款30年
固定涨到到5.000%了！但愿已买房交定金的朋友们利率已经锁定了，否则银行有可能根
据最新的利率来重新计算DTI（Debt-To-Income）Ratio来决定是否要重新审核已批准的
贷款。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 5.125 4.500 5.000 4.375
<=$729K 5.375 4.625
REFINANCE CASH-OUT ... 阅读全帖 |
|
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f*****u
发帖数: 729 | 27 lease车会增加你的DTI,保险起见还是等办完loan再说 |
|
d******n
发帖数: 2712 | 28 如果爹妈从国内汇钱过来，就没有税的问题。如果在这边出钱，可以考虑把爸妈加到
borrower里面去，加在title上。不过，这样的话，他们的身上的债务也会反映到DTI里
面。
如果lease了车的话，需要披露信心，把月供加到总负债里面。理论上没有太大影响，
只要income足够。 |
|
f*****u
发帖数: 729 | 29 appraisal是应该在尽可能确定loan可以做下来之后才做的，计算DTI不用先做估价。 |
|
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d******n
发帖数: 2712 | 31 LZ指的是DTI（debt to income）,还是LTV（Loan to value）呀？ |
|
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K****z
发帖数: 405 | 33 我认为应该看LZ目前对于自己未来的家庭收入预期如何。
一般来讲，收入每年都会增长，即使现在借到DTI 50% 的 ratio，并不以为着一直会有
这个压力。
Meanwhile, 如果收入有可能会不稳定，例如双职工家庭之剩下一个人工作，那么现在
最好不要太冒险。因为那时候即使有低利息也不可能refinance了。 |
|
z**n
发帖数: 112 | 34 minimum
card
payment (say |
|
b**1
发帖数: 381 | 35 minimum payment。
card
payment (say |
|
|
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k******o
发帖数: 3328 | 38 As others said, Debt to Income Ratio (DTI, referred here as back end ratio, to pay all recurring debt payments including student/car loan, alimony, etc) <= 45% for conventional conforming loan. |
|
b**2
发帖数: 519 | 39 DTI可以到50%，不过要看Fannie Mae的DU能不能过了。 |
|
k******o
发帖数: 3328 | 40 It is largely depending on your own situation. ^.^
Due to relatively low rate for ARM compared with fixed rate, it is easy to
reach DTI (Debt To Income) <= 45% for some borderline borrower(s).
One scenario: If you expect that you will not hold the fixed loan for long
time by either selling your house, or refinancing, then ARM might be a good
option to consider.
In case the mortgage rate unexpectedly jump significantly, you might pay a
relatively "high" (capped) rate. |
|
m***i
发帖数: 84 | 41 我也不知道tax什么的需要交多少，如果按照５０％算，我的salary的５０％ 减去
mortgage 每月还款可能还剩下１０００，但是我每月还有３５０的车贷款要还。那剩
下７００够什么信用卡，tax什么么？我信用卡都是全款还清的。车贷能转移给我lp么
？还有您说的bonus，我每季度都有，可是怎么证明呢？谢谢
Mae
DTI |
|
v***s
发帖数: 4031 | 42 你那里的情况我不清楚， 一般Conventional， DTI要28/36。42，在西海岸的重灾区，
能贷款的可能不大。 |
|
S*********g
发帖数: 5298 | 43 DTI算的时候不止看mortgage的，还要看其他debt的
车贷啊，信用卡债啊，等等等等 |
|
f*****i
发帖数: 3558 | 44 会不会是因为买房子会特别主意？
另外夫妻两个人到底是怎么对待的？如果其中一个人弄cash out refinance，另一个人
title下的房子或者准备买的的房子算在refinance的人dti里吗？ |
|
h****2
发帖数: 53 | 45 用作cash out refi 的房子，如果是claim成自住房，那么另外再买的房子上的贷款就
会视作投资。如果是先refi ，再买投资房，那么两边的dti计算是不会混在一起的。 |
|
f*****i
发帖数: 3558 | 46 弄这个和cash out refinance一样吗？也是要看收入证明，dti，房子的appraisal等等
吗？还是相对简化一点？还想问下最近有没有啥变化？谢谢呀 |
|
k******o
发帖数: 3328 | 47 DTI (Debt To Income) ratio <= 45%.
房价相当于3-5年的收入比较合适. |
|
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k*******2
发帖数: 132 | 49 There are two concepts here:
LTV (Loan to appraisal value) <= 80%
DTI (Debt to Income Ratio) <= 45%
Your line of credit is part of your debt. |
|
b*d
发帖数: 9308 | 50 如果是Direct Lender开的，会影响一些，不过如果你的分数很高，无所谓的。
关于DTI (Debt/income ratio)，只要不超过45%就可以了。 |
|
