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发帖数: 1879 | 1 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% |
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r******d
发帖数: 1879 | 2 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 | 3 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 |
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r******d
发帖数: 1879 | 4 No Point No Fee, Refinance And New Purchase Loan Rate
(all based on full impound and 30 day lock period)
Conforming(<=417K, LTV80, SFR, 740+) Refinance
5yr ARM, 3.25
7Yr ARM, 3.625
10Yr ARM, 4.375
15Yr Fixed, 4.25
30Yr Fixed, 4.625
Conforming(<=417K, LTV80, SFR, 740+) Purchase
5yr ARM, 3.25
7Yr ARM, 3.625
10Yr ARM,4.375
15Yr Fixed, 4.25
30Yr Fixed, 4.625
Super Conforming(<=729K, SFR, 740+) Refinance
5Yr ARM(LTV75),3.5
7Yr ARM(LTV75), 4.375
10Yr ARM(LTV75), 4.625
15Yr Fixed(LTV80),4.25
30Yr Fixed |
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r******d
发帖数: 1879 | 5 It is hard to tell you if this rate is OK or not without knowing the more
detailes. Here is the rate today ( it is only applying to California)
SFR, Primary living, LTV75%, FICO 740+, loan amount around 400K,
2.75% for 7 yrs ARM NO COST
SFR, Primary living. LTV75%, FICO 740+, loan amount around 600K,
3.0% for 7 yrs ARM NO COST |
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r******d
发帖数: 1879 | 6 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% |
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r******d
发帖数: 1879 | 7 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% |
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r******d
发帖数: 1879 | 8 30Yr super conforming LTV65 no cost no impound no PPP 5.0%
30Yr conforming LTV75 no cost no impound no PPP 4.875% |
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r******d
发帖数: 1879 | 9 【 以下文字转载自 BayAreaMortgageRate 俱乐部 】
发信人: rainhard (rainhard), 信区: BayAreaMortgageRate
标 题: today's rate update (12:38pm 10/6/2010)
发信站: BBS 未名空间站 (Wed Oct 6 15:56:00 2010, 美东)
Applies to SFH, Primary Residence, FICO 740+
for Loan Amount 400K-417K, LTV80
5Yr ARM no cost no impound 45 days lock @ 3.0
30Yr Fix no cost no impound 45 days lock @ 4.25
for loan amount 600K-729K, LTV75
5Yr ARM no cost no impound 60 days lock @ 3.375
30Yr Fix no cost no impound 45 days lock @ 4.375 |
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r******d
发帖数: 1879 | 10 【 以下文字转载自 BayAreaMortgageRate 俱乐部 】
发信人: rainhard (rainhard), 信区: BayAreaMortgageRate
标 题: rate is dropping!
发信站: BBS 未名空间站 (Fri Oct 8 12:39:35 2010, 美东)
Applies to SFH, Primary Residence, FICO 740+
For Loan Amount 400K-417K, LTV80
5Yr ARM No Cost With Impound 2.875, No Impound 3.0 (first time ever!)
30Yr ARM No Cost With Impound 4.125, No Impound 4.25
For Loan Amount 600K-729K
LTV75, 5Yr ARM No Cost With Impound 3.0, No Impound 3.25
LTV80, 30Yr ARM No Cost With or Without Impound 4.375 |
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r******d
发帖数: 1879 | 11 YEs, it is good rate due to your loan amount.
In CA, you can get 1.75 point back with this rate and loan amount for LTV75%
. The rebate should be more than enough to cover the loan related closing
cost. but escrow fee will varies among escrow company. I would assume that
yoru closing cost includes your interest, proeprty tax, escrow... |
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p***e
发帖数: 111 | 12 Yes, 7000$ includes interest, proeprty tax, escrow etc...
Sound my rate is good. Thanks.
LTV75%
that |
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p***e
发帖数: 111 | 13 If I get 1.75 point back, will the rate increases or remains same?
LTV75%
that |
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r******d
发帖数: 1879 | 14 Yes, but rate will be different for LTV 80 and LTV75 on primary house.
If this is the investment property, you have to at least pay 25% or even
more depend on the property type and loan type. |
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g*q
发帖数: 26623 | 15 mortgage insurance是PMI还是title insurance?
title insurance的话,这也太高了.是PMI的话,也不应该算closing cost,有没有PMI跟
你做不做refi关系不大(最多就是refi要求LTV75%才能免PMI,而买房是80%).
如果你的PMI是因为LTV低于80%但是高于75%引发的,那么要么不做refi,要么贴点
downpay把LTV做到75%再refi. |
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r******d
发帖数: 1879 | 16 Assuing the house is SFR, investment, FICO 740+, LTV75% or less, the best
rate today is 3.75% for 30 yrs fix no cost in CA. |
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r******d
发帖数: 1879 | 17 We are in CA but it is impossible to lock 3.25%. rate is worse again today.
Even for LTV75% new purchase, the rate is 3.5% ( 30 days lock) |
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r******d
发帖数: 1879 | 18 这种情况应该贷5年或者7年的ARM啊。 ARM的利率要比30年固定的利率低很多， 而且月
供又比15年固定少很多。 按今天的利率来说， 如果
SFR, Primary, LTV75, FICO 740, loan amount 400K, rate can be 2.5% for 5 yrs
and 2.625 for 7 yrs. |
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r******d
发帖数: 1879 | 19 If you are not the US/Green card holder, this rate sounds right for LTV75.
But if your LTV is 60 or less, you should get 3.625%.
From my experience, BOA is usally very slow on processing. If both lenders
provide you the same rate with same conditions, choose broker rather than
BOA.
3 |
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r******d
发帖数: 1879 | 20 光看rate是无法定夺的。 你要综合所有条件：
1。 是否是独立房， townhouse 还是 condo
2。 是否是20% 首付， 还是25%
3。 是否是绿卡公民还是工作签证
4。 信用分数是否在740分以上
5。 贷款额度大小
你可以到我的俱乐部看每天加州的purchase 和 refinance的利率。 你做的应该是
super conforming 的利率，
如果你是下列情况，
Super Conforming(LOAN = 600K, LTV75, SFR, 740+, 30 days) Primary living
Purchase
3.625% for 30 yrs fix, with 0.5 point rebate, no impound.
希望对你有所帮助。 |
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r******d
发帖数: 1879 | 21 光看rate是无法定夺的。 你要综合所有条件：
1。 是否是独立房， townhouse 还是 condo
2。 是否是20% 首付， 还是25%
3。 是否是绿卡公民还是工作签证
4。 信用分数是否在740分以上
5。 贷款额度大小
你可以到我的俱乐部看每天加州的purchase 和 refinance的利率。 你做的应该是
super conforming 的利率，
如果你是下列情况，
Super Conforming(LOAN = 600K, LTV75, SFR, 740+, 30 days) Primary living
Purchase
3.625% for 30 yrs fix, with 0.5 point rebate, no impound.
希望对你有所帮助。 |
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r******d
发帖数: 1879 | 22 it will be hard to quote without any information.
Best rate in CA for SFR, Primary, Loan amoutn 400K/LTV75/FICO740+ is 3.5% no
cost |
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r******d
发帖数: 1879 | 23 I dont know your detailed information.
In CA today, loan amount 500K, LTV75%, FICO 740+, H1B, 3.5% for 30 fix no
cost
if LTV is 80%, 3.625% for 30 yrs fix no cost.
How long can you refinance will depend on the lender you choose. Most
lenders now have 6 months restriction time. Assuming the rate is same after
6 months, all your lost will be the 0.125% * your loan amount /12 * 6months
, which means only 6 months interests for 0.125% difference.
The credits from lender and it is yours for closi... 阅读全帖 |
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r******d
发帖数: 1879 | 24 5 yrs can not be 2.875% unless your LTV is 60% or less. If LTV is 75% or
less, you can get 3.125% for conforming on 5/1 ARM and 3.25% for 7/1 ARM.
But for superconforming, 5/1 is 3.25% for LTV75% but 7/1 is about 4.125%
based on today's rate |
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r******d
发帖数: 1879 | 25 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 | 26 assuming your case is:
=====================
Condo, primary
Loan amount 600K
House value 800K
LTV75
FICO 800
======================
based on today's California rate, you can get:
3.5% for 15 yrs fix
4.5% for 30 yrs fix
let me know if you are interested.
Best luck! |
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r******d
发帖数: 1879 | 27 【 以下文字转载自 BayAreaMortgageRate 俱乐部 】
发信人: rainhard (rainhard), 信区: BayAreaMortgageRate
标 题: today's rate update (12:38pm 10/6/2010)
发信站: BBS 未名空间站 (Wed Oct 6 15:56:00 2010, 美东)
Applies to SFH, Primary Residence, FICO 740+
for Loan Amount 400K-417K, LTV80
5Yr ARM no cost no impound 45 days lock @ 3.0
30Yr Fix no cost no impound 45 days lock @ 4.25
for loan amount 600K-729K, LTV75
5Yr ARM no cost no impound 60 days lock @ 3.375
30Yr Fix no cost no impound 45 days lock @ 4.375 |
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r******d
发帖数: 1879 | 28 【 以下文字转载自 BayAreaMortgageRate 俱乐部 】
发信人: rainhard (rainhard), 信区: BayAreaMortgageRate
标 题: rate is dropping!
发信站: BBS 未名空间站 (Fri Oct 8 12:39:35 2010, 美东)
Applies to SFH, Primary Residence, FICO 740+
For Loan Amount 400K-417K, LTV80
5Yr ARM No Cost With Impound 2.875, No Impound 3.0 (first time ever!)
30Yr ARM No Cost With Impound 4.125, No Impound 4.25
For Loan Amount 600K-729K
LTV75, 5Yr ARM No Cost With Impound 3.0, No Impound 3.25
LTV80, 30Yr ARM No Cost With or Without Impound 4.375 |
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r******d
发帖数: 1879 | 29 你可以去我的俱乐部看看， 我每天都会更新加州的利率， 其中包括5/7/10 年的ARM
和 10/15/20/30 年的固定利率。 点击我的ID 就可以找到信息。
根据今天的利率，
If Loan amount 400K, SFR, Primay, LTV75% or less, FICO 740+,
The best rate are:
2.5% for 5 yrs ARM
2.625% for 7 yrs ARM
3.0% for 10 yrs ARM
2.5% for 10 yrs fix
2.625% for 15 yrs fix
3.375% for 20 yrs fix
3.5% for 30 yrs fix
所有利率都是没有impoud account而且没有closing cost
希望对你有所帮助。 |
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r******d
发帖数: 1879 | 30 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% |
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r******d
发帖数: 1879 | 31 Super Conforming (<=729K, LTV75, Refinance, Single Family, Primary Residence)
30Yr Fixed, 4.875
15Yr Fixed, 4.375
10Yr ARM, 4.875
7Yr ARM, 4.625
5Yr ARM, 3.75 |
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r******d
发帖数: 1879 | 32 本来想偷懒。。。
Conforming (<=417K, LTV75, Refinance, Single Family, Primary Residence)
30Yr Fixed, 4.875
15Yr Fixed, 4.25
10Yr ARM, 4.75
7Yr ARM, 4.0
5Yr ARM, 3.625 |
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r******d
发帖数: 1879 | 33 【 以下文字转载自 BayAreaMortgageRate 俱乐部 】
发信人: rainhard (rainhard), 信区: BayAreaMortgageRate
标 题: rate is dropping!
发信站: BBS 未名空间站 (Fri Oct 8 12:39:35 2010, 美东)
Applies to SFH, Primary Residence, FICO 740+
For Loan Amount 400K-417K, LTV80
5Yr ARM No Cost With Impound 2.875, No Impound 3.0 (first time ever!)
30Yr Fix No Cost With Impound 4.125, No Impound 4.25
For Loan Amount 600K-729K
LTV75, 5Yr ARM No Cost With Impound 3.0, No Impound 3.25
LTV80, 30Yr Fix No Cost With or Without Impound 4.375 |
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t*********n
发帖数: 42 | 34 3.625这个要ltv is 60 能在agent那做
我这个是ltv75 |
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t*********n
发帖数: 42 | 35 Locked 30, rate 3.75
But did asked 7arm to compare, my case 7arm rate is 2.875, ltv75, no p no f |
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r******d
发帖数: 1879 | 36 3.5%, no cost, LTV75% or less, FICO excellent, US citizen or Green card, 30
days lock. |
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r******d
发帖数: 1879 | 37 3.5%, no cost, LTV75% or less, FICO excellent, US citizen or Green card, 30
days lock. |
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r******d
发帖数: 1879 | 38 best scenario, for LTV60% or less, FICO 740+, SFR, primary, you can get 2.5%
if LTV75 or less, will be 2.625%, none impound and impound is the same.
The rate is based on last week quote. Loan amount should be close to 400K. |
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r******d
发帖数: 1879 | 39 based on today's rate, if your LTV is 60 or less, FICO 740+, SFR, Primary
living, loan amount is close to 400K, yes, you can get 2.5% for 5 yrs ARM
otherwise, 2.625% for LTV75% is the best so far. |
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r******d
发帖数: 1879 | 40 If you meet the following requirement:
SFR, Primary living, FICO 740+, LTV75 or less
Today's rate is 2.875% for both 5 yrs and 7 yrs ARM, no cost.
Super conforming 5 yrs ARM never be that low before. |
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r******d
发帖数: 1879 | 41 assuming the following conditions:
SFR, Primary living, FICO 740+, LTV75, 30 days lock
3.5% for 30 yrs fix, no point no fee. |
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r******d
发帖数: 1879 | 42 Assuming your condition:
SFR, Primary living
Loan amount 625K
LTV75%
FICO 740+
30 days close
based on today's rate,
2.875% for 7 yrs ARM, with $3000 rebate to cover loan related cost.
You can check my club's rate for everyday update. |
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r******d
发帖数: 1879 | 43 If your loan amount 450k/LTV75/FICO740/SFR, you can get 3.5% no cost, based
on Friday's rate. |
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