k**s
发帖数: 341 | 1 I got 4.875% 30yrs fix, with certain credit (~$3000) from my broker. Not
lock yet since closing will be 60 days later. |
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f*********s
发帖数: 792 | 2 what is jumbo?
we just locked it, 30 fixed. 5.375. dare not to wait longer. it says the
rates will go up... |
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y****c
发帖数: 875 | 3 从bankrate.com上看到 有个 ever bank offer 4.75% for 30 year fixed rate today。 No point, only $647 lender fee.
Is it too good to be true?
Anybody used this bank before?
如果用这种不是local bank的， 不能按期close的风险是不是很大。 |
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h*****n
发帖数: 263 | 5 今天lock了30yr fix jumbo 5.125 还没看见closing cost哪，loan officer 说今晚给
发。
现在有点儿后悔了，要是closing太高怎么办呀，虽然是no cost no point.
如果我找到更好的,这个已经lock了的还能不要吗？我当时问时候人家说如果deal没go
through 就
不用交任何钱。。。我们还没做inspection 哪。
*******************************
update- got the package today. 非常恐怖：
credit report to required credit bureau 325
inspection Fee to required appraiser 14.96
Document Preparation Fee 695
Settlement Fee to required settlement agent 850
Title Insurance - Lender's Coverage 1150
Titl |
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A**a
发帖数: 223 | 6 double income 税前150k，贷款400k, property tax 5500-6000, 有emergency fund.
1个娃，2岁(no plan for 2nd child but accident may happen), daycare $1500, 无
车贷，其他开销也不太多，09年下半年saving 35k, 算上现在的房租（1700），打算1
个月还5k, 7-10年还完，撑不撑？ 15年fix 4。25%，7 ARM 3。875%，值得么？ |
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b****g
发帖数: 63 | 7 Inspector found that bath exhaust not vented outside. How much does it cost
to fix it? Thank you. |
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b****g
发帖数: 63 | 8 We request owner to fix it. Just want to know how much credit is reasonable
if the owner does not want to do it and give us some credit. |
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R***U
发帖数: 1860 | 9 They may not want/need to fix it, since it is allowed when attic is big
enough.
cost |
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b****g
发帖数: 63 | 10 It does vent to the attic, not outside, now. But the attic is not big and we
are afraid to cause mold or other damages if do not fix it. |
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m***y
发帖数: 14763 | 11 Right, unless it's against the local codes, owners don't have to fix this. |
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h*d
发帖数: 19309 | 12 我这里30day lock 30year fixed full closing cost一般可以做到4.75% |
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h*d
发帖数: 19309 | 13 lock时间越短应该越低，虽然20/30 day估计没啥区别，full closing cost就是说没啥
discount，这个没有fee/point，不过我只是昨天问了问wellsfargo，没有实际操作，1
月份到现在，很多时候30 year fixed rate都是4.875%, bulk rate 4.6xx%，然后30
day lock在4.75%，反正BoA/Wellsfargo都和我这么说的。不过我是在中部地区。 |
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h*d
发帖数: 19309 | 14 same rate as 30year fixed if not higher, why do you want it? |
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r******l
发帖数: 30 | 15 It is OK but not good enough.
Cause no points not mean no cost. You need pay closing cost.
My suggestion is do no cost with 4.875% 30 yr fix. |
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d*********1
发帖数: 443 | 16 我们刚锁了,4.875%, 30 years fixed, no point,no cost, re-finance, 41.7K, MA |
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t****o
发帖数: 442 | 17 来报告一下，今天刚lock了，30 yr fixed rate jumbo conforming 4.875% no point
，lock 30天，在NJ。用的是版上同学推荐的一个loan officer。非常professional，
速度快，利率好。 |
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a***d
发帖数: 96 | 18 家里天花板有点crack，想fix一下，但是表面不是光滑的那种，而是有一粒一粒大小和
绿豆大小的颗粒的。想问一下这是涂料里带的，还是由别的工序做的？谢谢。 |
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a***d
发帖数: 96 | 19 多谢，终于知道这叫什么了。 那谁有fix popcorn ceiling 的经验？
a
could
in
its |
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a**o
发帖数: 510 | 20 Menards has a free after rebate fixing kit this week. If you have local
Menards, it should be a perfect deal for you. |
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E********n
发帖数: 44 | 21 Update on 4/13: 今天早上lock了, 15-year fixed. 4.25% no point. |
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E********n
发帖数: 44 | 22 Update on 4/13: 今天早上lock了, 15-year fixed. 4.25% no point. |
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f***f
发帖数: 813 | 23 有趣也许naive的问题：7/1 ARM头7年的利率要比15年fixed的低，假如都是7年内还完(
early
payoff)，那么哪个划算（少交利息）？我的agent说还是15年划算，因为7/1 ARM的分
母是30年，
开始还的本金没有15年多。我还是不明白，她是不是忘了我这个7年内还清的前提了？
我怎么觉得不管分
母多少，假如同样年份还清，利率低的划算？哪儿有软件可以方便的输入各种可能然后
算出总共pay多
少，和每月pay多少的schedule等等？ |
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s**********d
发帖数: 36899 | 24 随便找一个能算extra payment的mortgage calculator就行了。
给你用excel算了一下，前84个月利息，$200k loan,
7/1 4.25% -> $55743.68
15 4.5% -> 51674.13
15年fixed合算。
不知道上面说7/1合算的，都是用什么算的？？？ |
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s*****a
发帖数: 349 | 26 哪里能查一年之内的30yr fix rate走势? |
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w*******e
发帖数: 285 | 27 I heard from a loan agent that 30 years fixed rate mortgage is no longer
available to H1b working visa holder. You must be a US citizen or green card
holder to be qualified, is that true? Thanks. |
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S*********t
发帖数: 522 | 28 5% no point but has closing fee, 30 yr fix. Loan < 200K |
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m*n
发帖数: 695 | 29 只联系了一家银行，30 year fixed rate is at 4.75%。 这个rate怎么样？一会要面
谈。还问要不要今天就lock。 才刚刚home inspection 完。感觉特别快。 有些不踏实
。 前辈们在帮分析下！ 谢谢! |
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g*****g
发帖数: 34805 | 30 The lender can credit you back for you to take higher rate, so
it's possible to get 0 closing cost.
Assume you are borrowing 400K, 0.5 Point is 2K, most lenders
can give you 2K to cover closing cost if you can accept 0.125% higher
rate.
Essentially you are "selling" point in that sense.
Generally it's worth buying 1 point if you live in a house for more than
7 years for 30yr fixed. And if you are sure you wont' do that long, go
with ARM. |
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D*Z
发帖数: 66 | 31 maryland的利率是不是比其他州都要高点呢？我问下来30年fixed也都是5％－5.125%的
。请问大家5％以下都是哪些州的呢？ |
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l***t
发帖数: 114 | 32 5ARM 3.5%, 15 fix 4.25%. No penalty for early pay off
如果我5年内肯定还清的话，5ARM is better, right? |
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h******y
发帖数: 3501 | 33 5.25% 30yr fix no point no closing cost.
loan Amt 286k
is it a good rate or should I wait? close day is still in 2 months.
thanks. |
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c*****l
发帖数: 135 | 34 今天去申请loan，拿到一个20yr fixed 4.5 0point 和 4.375 10yr ARM。 哪个划算些
呢？
房子应该不会一直住十年，不过也很有可能就做个投资，或者给爸妈住。还有今天这个
broker算了半天，什么ARM可以先付利息，本金或者一起付都行。有点晕。 |
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s******8
发帖数: 4192 | 35 你应该知道7ARM的意思就是前7年固定利率，后来23年每年的利率都会变化（浮动）。
省钱与否你现在不知道，因为7年后的利率谁都无法预测。有可能20%，也有可能3%。看
你的运气。浮动的意思就是什么都可能发生。对于没有个人计划的人来说fixed的最好
，不要去碰ARM。 |
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c********r
发帖数: 1422 | 36 417k,30yr,fixed，no points.可选4.875% 或 5% + $4500 covering closing cost.
选了后者。有没有比这个好的? |
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x*******u
发帖数: 32 | 37 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: xingbutou ( 老刑-魏武王常所用小钻风), 信区: SanFrancisco
标 题: 今天30yr fixed利率到多少了？
发信站: BBS 未名空间站 (Fri May 14 14:27:29 2010, 美东)
借问一哈，72万9以下的no point no fee有5%或者更低的没？ |
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l****g
发帖数: 420 | 38 hate impound, so any recommendation on rate at 4.875%, no impound for 30 yr
fixed >417k? |
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h*****e
发帖数: 4 | 39 4.625% 30 yr fixed today. No point. |
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g********2
发帖数: 740 | 40 用5/1 ARM 还是30 年的FIX， 有大牛给普及普及吗？ loan 310000 |
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g*****g
发帖数: 34805 | 41 Right, if one is sure he won't stay for more than 10 yrs,
10/1 ARM is always a better choice than 30 fixed.
That's a big if though. |
|
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a*********n
发帖数: 620 | 43 6 月９日可以拿到 ４.625％, 30 years fixed, No point, |
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a**n
发帖数: 2431 | 44 Today you can lock 4.5% (15 days), 30 years fixed, no point no fee for refin
ance |
|
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B*X
发帖数: 74 | 46 在线等， ２个月前买的condo，３０年的５.３７５。 Loan amount is 138000. 25%
down at the purchase time. 刚才打了Garanteerate，他们给我４.６２５， 20
year fixed 但是要付１６００左右的closing cost, including apprisal, title,
and records and application。不包escrow and tax, interestes in closing month
。大家觉得怎样？今天这么低，怕过几天没了. Thanks so much |
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b*d
发帖数: 9308 | 47 如果你觉得Rate还会再降，现在就做4.75% without any cost。如果你觉得利率不可能
再低了，那就做4.5% with cost。如果你现在可以负担得起15年的Payment，那当然做
15年Fixed。 |
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l**t
发帖数: 452 | 48 The problem is that I have another small loan, $140K 30Yr fix at 7%.
I would like to save more cash from the big loan, and pay off the small loan
first. Because it seems that the small loan is very hard to refinance. |
|
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n*****9
发帖数: 224 | 50 我就是20年fixed的呀，是不是加州比我们要高？ |
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