b********2
发帖数: 5191 | 1 只要条件好(income,DTI,etc)，贷款1个m没问题，rate也不差。 |
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k******o
发帖数: 3328 | 2 1) 当然可以.
2) gross income around $65K. More precisely DTI (Debt To Income) <= 45%. |
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k******o
发帖数: 3328 | 3 There is no direct relationship between rate and credit card balance.
1) In case your credit card balance is unexpected high, the minimum payment
might increase, which will increase your debt, and lower your DTI ratio.
2) In case your credit card balance is extremely high, depending on your
situation, it might lower your FICO score a little bit.
Unless you are at bottom line. you don't need to worry about it. |
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b********2
发帖数: 5191 | 4 很多lender要求<=45%,个别的可以到50%的 |
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s*******y
发帖数: 229 | 6 50%, unless it is a high balance loan. For that, some investors requires 45%
, like Wells Fargo. |
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k******o
发帖数: 3328 | 8 No problem as long as DTI (Debt to Income) ratio <= 45%. If you have reserve
, 50% is doable. |
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b*d
发帖数: 9308 | 9 找个mortgage broker帮你看看收入，然后计算一下DTI，就知道你可以贷多少钱了。 |
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b********2
发帖数: 5191 | 10 1. 贷款当然是贷余下的50%
2. 没听说多付少贷不行的
3. 这个没有直接联系, 但是可能会有间接关系, 因为贷的program不同, 导致DTI不同 |
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k******o
发帖数: 3328 | 11 DTI (Debt to Income) ratio could be as high as 50% if you have one year PITI
(Principle, Interest, Property Tax, Insurance) reserve for all of the
lender I am dealing with, assuming 20% down payment and decent FICO score.
to
the
probably
make |
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r******d
发帖数: 1879 | 12 DTI is around 36 without using potential rental income. What is your base
income excluding bonus? 36 is good enough for a conforming loan |
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r******d
发帖数: 1879 | 13 DTI 41. 还是够啊．
what is the property tax rate and insurance premimum? what is your total
credit card minimum monthly payment? |
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s******l
发帖数: 1524 | 14 property tax 6.2k, don't know how much insurance will be. almost no credit
card outstanding balance.
what is the DTI limit?【 在 rainhard (rainhard) 的大作中提到: 】 |
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k******o
发帖数: 3328 | 15 DTI (Debt To Income) <= 50 if you have one year PITI. Put it in simple,
without any other debt, you could get loan around $500K for 30 year
amortization program (i.e. 30 year fixed). |
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c****i
发帖数: 788 | 16 谢谢大家， 我们就是想看看如果 首付 付的多 银行有没有可能在DTI 上 松一点。
不过要是能贷 500K，应该就够了。 |
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s********d
发帖数: 2216 | 17 等 close 了再弄
你现在去 BT， 你的 DTI 要重新算。 |
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k******o
发帖数: 3328 | 18 The total NRCC (Non Recurring Closing Cost) is about $4000-$6000.
If your DTI (Debt to Income) ratio is lower (< 40%), there is no specific
requirement for your balance in your bank account.
BTW, your retirement account counts too. |
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b********2
发帖数: 5191 | 19 一般lender rebate会cover closing cost, 当然rate会稍微高一些. cash reserve要
看你的DTI和贷什么样的program, 一般是二到六个月的PITI. |
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k******o
发帖数: 3328 | 20 The lender will look for DTI (Debt to Income) ratio. |
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b********2
发帖数: 5191 | 21 DTI最多可以到50%, depend on lender和贷款的种类
Net Income, Taxable Income. 请问贷款是看哪个收入？ |
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b*d
发帖数: 9308 | 22 1. 是的.
2. 有些银行要求6个月的PITI,如果DTI超过45%,要求50%的PITI. |
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s********d
发帖数: 2216 | 23 这个不影响 DTI 吧，借的是自己的钱。
我上次 refi 的时候，跟 lender确认过的。 |
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k******o
发帖数: 3328 | 24 是的. 不影响 DTI. 不在 credit report. |
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r******d
发帖数: 1879 | 25 PF is more strict now. If your DTI is very close to the upper limit, they
will dig around diligently. They will count your credit card mimium payment
as your debits.
I am not sure why using GC application fee as recurring cost. unless you
borrow the credit card loan?? You should ask your agent to open case to
argue.
Sometimes if your underwritter is a newbie, you will have hard time too.
Good luck!
cost，
了。 |
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m*********1
发帖数: 359 | 26 broker已经重新开了个case去argue，但是underwriter不给改。真是7456。明明我的DT
I绰绰有余，被他们这么一整，搞得我的DTI居然不行，逼得我要付掉10000来刀去付掉l
ease car。nnd，本来现金就紧张。。。 |
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m*g
发帖数: 57 | 27 一般来说有两种情况需要reserve
1. dti over 45%
2. for rental property, or when you are purchasing a new home and current
home has not been sold |
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k******o
发帖数: 3328 | 28 不会, 如果您的DTI控制的好.不过,我们broker 都不是很喜欢HELOC,因为有
subordination fee (~$200). |
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s****l
发帖数: 327 | 29 肯定可以
不过你第一个房子Equity那么高，不用卖现在的房子都可以买新的
当然最好先算算DTI（Debt-To-Income ratio) |
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b*d
发帖数: 9308 | 30 贷款申请之前你的DTI就会计算出来，就知道你能不能批的。 |
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d******m
发帖数: 39 | 31 在算DTI的时候要注意些什么，能让贷款额越高越好呢？
谢谢！ |
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r******d
发帖数: 1879 | 32 You should be fine.
DTI ( Debit To Income ratio) for lenders are between 45% - 50% for
conforming loan. If you dont have other debits as you mentioned, and not
expensive kids education or large expense on credit card every month, you
should be fine to for that loan amount. |
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M********I
发帖数: 848 | 33 你要是改变不了DTI，有什么好解的
越靠近45%， lender可能查到更紧一些，可是你还是什么也改变不了啊。 |
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i********j
发帖数: 140 | 34 新财年的工资据说能小涨一下，DTI能稍微好看点，但是人underwriter只看现在时，伤
心啊。。。 |
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r******d
发帖数: 1879 | 35 Try not to order appraisal yet till your loan is approved. Your loan will be
suspend/rejected if your DTI cannot pass at the conditional approval stage. |
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w******t
发帖数: 16937 | 36 据说各公司要大裁员。
新财年的工资据说能小涨一下，DTI能稍微好看点，但是人underwriter只看现在时，伤
心啊。。。
★ Sent from iPhone App: iReader Mitbbs Lite 7.56 |
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r******d
发帖数: 1879 | 37 the best rate in CA is 3.5% for 30 yrs fix new purchase no cost.
However, every one's case is different. You might not be able to choose the
lowest rate lender due to DTI, unpermit addition, condo, credit score, visa
issue, COE....etc
But no matter what,if you already locked the rate,just try to get it close
smoothly.
Best luck. |
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h****g
发帖数: 772 | 38 本金18万
LTV<75%的话，信用780，h1b
dti<40%
如果要做no cost no fee,的话 |
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b********2
发帖数: 5191 | 39 三个agent都有责任, 凡是有HOA的property, 一定要首先check litigation, rent
ratio, HOA fee对DTI的影响. |
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w******t
发帖数: 16937 | 40 你给bed发5个包子，让她给你讲讲underwriter是如何审查DTI的。
謝謝，但怎麼網上一大片一大片的說要28／36呢？
★ Sent from iPhone App: iReader Mitbbs Lite 7.56 |
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r******d
发帖数: 1879 | 41 As long as your DTI ( Debt to Income ratio) < 45%, you should be OK.
Debt will include all the debts such as your PITI, HOA, car loan, student
loan, credit card loans....etc
Income will be the total incomes of borrower(s) before tax.
So you need to calculate it by yourself or agent to make sure you are
qualify for the loan.
Best luck! |
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b********2
发帖数: 5191 | 42 看收入, 最简单就是找个agent帮你run一下DTI |
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p******y
发帖数: 3523 | 43 房贷的利息可以抵税，车贷的利息没这作用，如果DTI实在过不去的话，还是拿房贷划
算呀。如果车贷是无息的，那么就得再算算了。 |
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r******d
发帖数: 1879 | 44 will this new purchase be your primary living? If yes, then you can not do
the loan since lender will not allow two primary living in one year. They
can easily find out.
But if this is the investment, then you dont have any problem as long as
your DTI is qualified. |
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w******t
发帖数: 16937 | 45 那是underwriter为了算DTI的。
新银行underwriter才不管你之前房屋的是自住还是投资。
不需要。新的贷款银行知道你旧贷款的，因为必须交current mortgage statement
copy.
★ Sent from iPhone App: iReader Mitbbs Lite 7.56 |
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b*d
发帖数: 9308 | 47 让他们给你看银行approval的condition,以及要1008的表格.看看上面是不是真的要求
40% DTI. |
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a*****0
发帖数: 3319 | 48 多谢。你也说45%， 不知什么情况下是我loan agent说的40%dti, 是不是这个loan
agent瞎来,搞得我们费劲找个人做rental lease. 还说什么要在wells fargo 开帐号，
auto payment，又不是jumbo loan. 现住房当初第一个loan 是citi bank, 都没要求我
们citibank 开帐号auto payment. |
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p******y
发帖数: 3523 | 49 貌似Debt to income ratio 贴边儿呀，如果是因为DTI的话，用30年固定。因为5/1
ARM在run Fannie Mae online underwriting 系统的时候，rate要加2%算。可以考虑7/
1 ARM,因为7/1 ARM run那个系统的时候rate不需要加2%，应该可以多贷出来一点儿。 |
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s******t
发帖数: 1956 | 50 多谢！
请问FHA 5/1 ARM 也是如此计算吗？还是只针对fannie mae？
.5 |
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