r******d
发帖数: 1879 | 1 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 | 2 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 | 3 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 | 4 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 | 5 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 | 6 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 | 7 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 | 8 【 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 | 9 【 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 | 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 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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PH
发帖数: 171 | 11 现在是5年ARM，想换成30年固定。当初本金付的很少，加上现在appraisal出来的房价
比较低，需要再投6～7万本金才能达到LTV80％。投钱后按新利率算，月供会少大约600
多刀。想着钱放在银行里也不投资，是不是多付点本金以便减低利率呢？
现在住的地方估计最多7～10年会搬家，是不是也可以考虑ARM？不过ARM的LTV要求更严
（一般是75％），意味付的本金更多，但月供会有所降低。
请问这些情况下应该怎样计算得失呢？ |
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a*****h
发帖数: 2182 | 12 能稍微解释一下这个吗？
Conforming(LOAN = 400K, LTV80, SFR, 740+) Refinance, 30 days lock
5yr ARM, 3.125/3.25 (impound/non-impound)
俺不太理解impound/non-impound,non-impound是不是就是no-cost refin,自己不用出
一分钱？
这个rate比昨天好呀，昨天5yr ARM nocost refin 好像最好的事3.5%
expected. |
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r******d
发帖数: 1879 | 13 【 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 (1:25pm 10/1/2010)
发信站: BBS 未名空间站 (Fri Oct 1 16:31:27 2010, 美东)
Applys to SFH, primary living, FICO 740+, LTV80,
for loan amount 400K to 417K,
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 to 729K
5Yr ARM no cost no impound 45 days lock, 3.5
30Yr Fix no cost no impound 45 days lock, 4.375 |
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r******d
发帖数: 1879 | 14 【 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 | 15 Make a few phone calls to the different agents, ask the questions you have.
pick up one you feel comfortable :)
No cost means you dont need to pay loan related cost at closing and you
still need to pay:
1. interests for the months
2. property tax if still open
3. insurance if need to renew
4. loan amount difference if your appraisal value is low and you need to pay
down to the LTV80 or 75 depend on the rate lock requirement
Best luck! |
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r******d
发帖数: 1879 | 16 3.375% is only for PF, who only accept US citizen and Green card.
For your case, LTV80, FICO 740+, 30 days lock, you can get 3.5% for 30 yrs
fix no cost.
Check my club rate for the rate trend if you are interested.
Best luck! |
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r******d
发帖数: 1879 | 17 Rate is about the same, or little bit higher, compares to the LTV80 or less.
However, you have to purchase the Mortgage Insurance. How much you need to
pay will depend on your house value, location, your credit scores....MI will
be charged monthly and you can remove it once the LTV reach to 80.
Some lender just combines the MI and mortgage rate together and give you a
high rate. |
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r******d
发帖数: 1879 | 18 I dont know other state. But if you are in CA, I just checked the rate for
you. YOu should be able to get 3.875% with 0.5 point back based on last
friday's rate for Condo, if your LTV80 and FICO 740+.
condo, |
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r******d
发帖数: 1879 | 19 NO need to buy point, but you have to buy the MI ( Mortgage Insurance) which
will depend on your property's location, your credit score and your loan
amount.
The rate is about the same with LTV80 with MI. some lenders just combine the
MI payment with your mortgage by providing a high rate.
在 capcase (gotmail) 的大作中提到: 】 |
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r******d
发帖数: 1879 | 20 We are the CA broker. Based on today's rate, we can offer 3.625% for 30 yrs
fix on SFR primary living, LTV80%, FICO 740+, 30 days locking, NO cost.
closing |
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r******d
发帖数: 1879 | 21 Your rate is tied with credit score, DTI, appraisal value (LTV), house type
and locking days....etc.
The rate your agent quoted for you was only based on the current date rate
and rate might be changed later if you didnt lock on time.
When you quote the rate with him, did he ever mentioned about the LTV value?
Becasue for LTV80, 75 or 60, the rate will be different, the LTV value will
tied with your house appraisal.
Since you already finished the appraisal, you have to continue with this
lender ... 阅读全帖 |
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r******d
发帖数: 1879 | 22 We just finish one loan that convert from fha to the regular program by
paying down to the LTV80 after 6 months staying the original lender.
insurance |
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r******d
发帖数: 1879 | 23 【 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 (1:25pm 10/1/2010)
发信站: BBS 未名空间站 (Fri Oct 1 16:31:27 2010, 美东)
Applys to SFH, primary living, FICO 740+, LTV80,
for loan amount 400K to 417K,
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 to 729K
5Yr ARM no cost no impound 45 days lock, 3.5
30Yr Fix no cost no impound 45 days lock, 4.375 |
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r******d
发帖数: 1879 | 24 【 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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h*h
发帖数: 23 | 25 请问今天30yr fix 的rate, 700K loan, LTV80% rate 是多少啊...
谢谢 |
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r******d
发帖数: 1879 | 26 Based on Friday's rate,
SFR, FICO 740+, LTV80, Loan amount 400K
3.875%, 15 yrs fix, no pt no fee, 45 days lock
4.375%, 30 yrs fix, no pt no fee, 45 days lock |
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r******d
发帖数: 1879 | 27 LTV80 做不了 super conforming ＡＲＭ。
30Yr can do 4.5 no cost no impound
15Yr can do 4.0 no cost no impound |
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r******d
发帖数: 1879 | 28 我今天做了几个 30Yr fix super conforming 4.375
(no cost， loan 600k above， LTV80， SFH， Primary Residence)
下午出现的。
不知道明天有没有这个利率了 |
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r******d
发帖数: 1879 | 29 40W loan LTV80 SFH owner occupied 30 yr fixed 4.875 too (suprise!) |
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r******d
发帖数: 1879 | 30 LTV80/SFR/Primary/FICO740+, 3.5% for 30 yrs fix, no cost today. |
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S********e
发帖数: 620 | 31 １.看你的情况（loan amount etc)， 我们有lender可以做到９０％没有PMI。
２.是的， refi需要重新做估价。
３.如果新估价的LTV80％， 就没有PMI了。但lender有不同要求，像房子是买了半年
以后的， 如果少于半年， 还是要用purchase price算LTV。
４.地税用不同的方式估价（county 有一套系统）， refi不会影响你的地税。 |
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