o*****p
发帖数: 5952 | 1 如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮，是否容易找到有 licence 的 mortgage broker 本人，还是助理或
同事？是否真诚,是否靠谱,是否有经验.根据法律，只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段，因为利率每天变化，有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多，在不了解的前提下，多花点时间沟通考察
mortgage broker，确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款，特别是第一次，肯定有很多问题。一个好的 mortgage broker 应该把
整个贷款过程和你讲清楚，使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富，业务能
力强，又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需好3-4周，看broker 是否尽心尽力，是否及时回你的电话和电邮，
能否主动和你联系。这是个态度... 阅读全帖 |
|
o*****p
发帖数: 5952 | 2 如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮，是否容易找到有 licence 的 mortgage broker 本人，还是助理或
同事？是否真诚,是否靠谱,是否有经验.根据法律，只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段，因为利率每天变化，有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多，在不了解的前提下，多花点时间沟通考察
mortgage broker，确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款，特别是第一次，肯定有很多问题。一个好的 mortgage broker 应该把
整个贷款过程和你讲清楚，使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富，业务能
力强，又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需好4-5周，看broker 是否尽心尽力，是否及时回你的电话和电邮，
能否主动和你联系。这是个态度... 阅读全帖 |
|
o*****p
发帖数: 5952 | 3 如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮，是否容易找到有 licence 的 mortgage broker 本人，还是助理或
同事？是否真诚,是否靠谱,是否有经验.根据法律，只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段，因为利率每天变化，有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多，在不了解的前提下，多花点时间沟通考察
mortgage broker，确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款，特别是第一次，肯定有很多问题。一个好的�0�2
mortgage broker 应该
把 整个贷款过程和你讲清楚，使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富，业务能
力强，又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需好4-5周，看broker 是否尽心尽力，是否及时回你的电话和... 阅读全帖 |
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o*****p
发帖数: 5952 | 4 如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮，是否容易找到有 licence 的 mortgage broker 本人，还是助理或
同事？是否真诚,是否靠谱,是否有经验.根据法律，只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段，因为利率每天变化，有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多，在不了解的前提下，多花点时间沟通考察
mortgage broker，确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款，特别是第一次，肯定有很多问题。一个好的 mortgage broker 应该把
整个贷款过程和你讲清楚，使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富，业务能
力强，又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需好4-5周，看broker 是否尽心尽力，是否及时回你的电话和电邮，
能否主动和你联系。这是个态度... 阅读全帖 |
|
o*****p
发帖数: 5952 | 5 如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮，是否容易找到有 licence 的 mortgage broker 本人，还是助理或
同事？是否真诚,是否靠谱,是否有经验.根据法律，只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段，因为利率每天变化，有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多，在不了解的前提下，多花点时间沟通考察
mortgage broker，确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款，特别是第一次，肯定有很多问题。一个好的 mortgage broker 应该把
整个贷款过程和你讲清楚，使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富，业务能
力强，又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需好4-5周，看broker 是否尽心尽力，是否及时回你的电话和电邮，
能否主动和你联系。这是个态度... 阅读全帖 |
|
o*****p
发帖数: 5952 | 6 如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮，是否容易找到有 licence 的 mortgage broker 本人，还是助理或
同事？是否真诚,是否靠谱,是否有经验.根据法律，只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段，因为利率每天变化，有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多，在不了解的前提下，多花点时间沟通考察
mortgage broker，确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款，特别是第一次，肯定有很多问题。一个好的 mortgage broker 应该把
整个贷款过程和你讲清楚，使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富，业务能
力强，又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需好4-5周，看broker 是否尽心尽力，是否及时回你的电话和电邮，
能否主动和你联系。这是个态度... 阅读全帖 |
|
o*****p
发帖数: 5952 | 7 如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮，是否容易找到有 licence 的 mortgage broker 本人，还是助理或
同事？是否真诚,是否靠谱,是否有经验.根据法律，只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段，因为利率每天变化，有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多，在不了解的前提下，多花点时间沟通考察
mortgage broker，确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款，特别是第一次，肯定有很多问题。一个好的 mortgage broker 应该把
整个贷款过程和你讲清楚，使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富，业务能
力强，又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需30 day，看broker 是否尽心尽力，是否及时回你的电话和电邮，
能否主动和你联系。这是个态... 阅读全帖 |
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w*****n
发帖数: 368 | 8 【 以下文字转载自 NewJersey 讨论区 】
发信人: wenlian (wang), 信区: NewJersey
标 题: 请找朱诚kevin zhu 做mortgage
发信站: BBS 未名空间站 (Thu May 16 23:05:32 2013, 美东)
如果你想因为稍稍negotiate就看朱诚铁青脸色，并拂手而去的话，请找朱诚做
mortgage！
如果你认可朱诚不通知就推迟mortgage closing day 并拒接电话，请找朱诚做
mortgage！
邪门了，哥只是写了一下跟朱诚打交道的真实经历，帖子不停得给删。本来是说一嘴，
现在看来得每天发一贴。
disclaimer：本人作为顾客跟朱诚打过交道，本人不做mortgage不是朱诚competitor，
如说谎男的烂鸡鸡，女的得爱滋。 |
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L*********h
发帖数: 2617 | 9 原来mortgage 减税是划不来的招
原来mortgage 减税是划不来的招
请原谅我这么基本的问题居然在付了2年以后的mortgage才开始回头想一想。。。太忙
了连common sense都忙掉了。
大概欠60万的mortgage（房子价值多少这里不重要大概一米多点）， 一年1万2的
property tax。今天才回头一算，发现一年要交的利息保险呀都是2万五 （dollar），
省下来的税大概只有2万五的30－40%.
所以还是要尽早付清贷款比较好，那么什么mortgage减税，是划不来的。（所以别地方
存钱什么的也不一定划算）一定要早点付清贷款才经济。
是不是只有我一个人这么迟钝这么久了才想这个问题？好像又不是，大伙儿都喜欢买房
省税，可是那儿能省啊。。。还是我想想漏了什么？ |
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m*******r
发帖数: 8950 | 10 不同的人，想法不一样。也许你有把握把钱放在其它地方会产生更多的REVENUE，但别人可能没有这样的把握。
“pay off the loan”是否是“the one of most stupid things”，这就要看情况了，并不是绝对的。举个例子，如果把钱放在股票里，如SP500，十年的RETURN是多少？如果把钱直接PAYOFF MORTGAGE，十年的RETURN是多少？当然，象你这样，买卖1000次股票，只赔过3次牛人，一般人是没法比的。其实你的观点，很大程度上是被那些MORTGAGE COMPANY灌输的。如果大家都PAYOFF MORTGAGE ASAP，那些MORTGAGE COMPANY怎么赚钱？
任何投资都是有风险的。对有些不愿意TAKE RISK的人，PAYOFF MORTGAGE也许不是最好的赚钱方法，但肯定是稳赚不赔的。
generate
can
people, |
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d******d
发帖数: 1037 | 11 Bank of America Corporation Sues FDIC Over Taylor Bean Mortgage Losses-
Reuters
Wednesday, 20 Oct 2010 11:39am EDT
Reuters reported that Bank of America Corporation has sued the Federal
Deposit Insurance Corp (FDIC) over $1.75 billion of investor losses mainly
from the 2009 collapses of a large regional bank and large mortgage lender.
The lawsuit concerns the FDIC's role as receiver for the main banking unit
of Alabama's Colonial BancGroup Inc, and the implosion of Taylor, Bean &
Whitaker Mortga... 阅读全帖 |
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b****i
发帖数: 623 | 12 站内联系
Mortgage Operations Representative SAFE Act (Processors/Closers) - Ann Arbor
- Bilingual Mandarin Job Description:
* Bilingual Mandarin Required *
Mortgage Loan Processor (Credit Specialist 2)
• Review loan file to verify procedures per guidelines.
• Ensure integrity of all data and process inputs.
• Order necessary documents and follow-up with vendors/third
parties to obtain in timely manner.
• Manage pipeline of loans within required performance standar... 阅读全帖 |
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r*z
发帖数: 1679 | 13 http://twiki.cageyconsumer.com/EquityAccelerator
Chase Manhattan Mortgage, Washington Mutual
First Horizon Home Loans
HomeSide Lending
National City Mortgage
SunTrust Mortgage
以上几家银行和一家公司叫EquityAccelerator是合作关系，这个家公司提供你BI-
WEEKLY支付MORTGAGE这个OPTION。这篇文章讲述了利弊以及很多跟BI-WEEKLY相关的信
息。 |
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b********3
发帖数: 994 | 14 不用想了。现在没有哪个investor有这么大的胆子敢放purchase的HELOC或者second
mortgage，如果CLTV高于80%。
一般来说，first mortgage的 loan to value不高于80%就可以避免PMI。但是，现在大
多数investor对买房子中带second lien的要求也是80%。也就意味着，如果你贷70%的
first mortgage，你就只能贷10%的second mortgage了。 |
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A******r
发帖数: 974 | 16 http://www.lendingtree.com/mortgage-loans/advice/comparing-mortgage-loans/interest-rate-vs-apr/
When you’re shopping for a mortgage, comparing offers can be difficult. The
interest rate lenders use to determine your monthly payment (also called
the note rate) is only one part of the overall cost of a mortgage. That’s
why it’s misleading to compare loans by looking only at this number. A
better means of comparison is the annual percentage rate, or APR.
The APR formula
The APR formula combines a l |
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r******e
发帖数: 289 | 17 Higher unemployment rate dampens the hope of stock traders. As a result of
that, we see slight bounce back of the mortgage loan rates. Generally,
market information is still mixed as it will take more time for traders to
digest news of higher-than-expected unemployment rate.
义腾贷款(Direct lender)，请听1300AM或电626-538-5688了解我们
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.500 3.875 3.125
Refinance Loan 4.625 4.000 3.250
The rates ... 阅读全帖 |
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m********n
发帖数: 3558 | 18 昨天自己查了credit score；查的时候选了同意mortgage company 找我提供mortgage
estimate; 今天有一个银行打来。要ssn 做pre-qualification and pre-approval (
他两个词都用了） 给ssn的时候犹豫了一下，还是给了。据他说，14天之内的 credit
score for mortgage inquiry 都只算一个credit score check. 我其实就是想知道我
大概能拿到的rate是多少。买房是打算在3-4个月内。
既然说14天之内的check 算作一个，那是不是说应该在这14天之内shop around
mortgage places? 每个银行给pre-approval letter都会要ssn 再check 一下score?
之前还以为昨天自己check了打印一个出来给银行看看他们就可以做estimate了。。。
另外再问一个弱智问题。。。rate 不是根据个人的loan amount和credit score 来的
吗？为什么有些网站（track economic index trend... 阅读全帖 |
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j***k
发帖数: 2719 | 19 I just went thru the process. You must have the money in the bank and it
must show up in the past 2 statements. So, you may need the money for longer
than 2 months for the money to show up in the statements. it is simply not
enough to just have the money in the bank for 2 months, the statement has to
be free of international wirings and other unexplained cash/non-cash
deposites, otherwise, you would have hell to provide validations.
Two things about Gift letter:
1) Gift letter works with US bank... 阅读全帖 |
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d******n
发帖数: 2712 | 20 其实挺容易理解的，银行之所以借这么一大笔钱给borrower，是因为borrower拿自己的
房子做抵押。如果没有了这个抵押物，borrower就不再符合银行借出这么大笔钱的要求
。因此，有房子，有mortgage，没房子，就没mortgage。而且每个mortgage都是跟特定
的property相联系的，一般不可能把两个mortgage合到其中一个房产上，除非合起来之
后的loan amount不高于该抵押房产value的60%。 |
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d******n
发帖数: 2712 | 21 loan to value高于80%的时候必须要买mortgage insurance，一般其他情况下没有人去
买mortgage insurance。我理解mortgage insurance的受益方应该是银行，borrower不
还钱的时候可以去出claim一下。
所以，只要不是loan to value高于80%，都不需要考虑mortgage insurance。 |
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j*******0
发帖数: 347 | 22 【 以下文字转载自 LA_Real_Estate_Mortgage 俱乐部 】
发信人: jingsun70 (洛城地产贷款), 信区: LA_Real_Estate_Mortgage
标 题: Mortgage Blog 1 - HARP Program Updates
发信站: BBS 未名空间站 (Mon Oct 24 18:14:07 2011, 美东)
If your house is severely underwater, you want to pay attention to this
dramatic change for house with negative equity. It is more a stimulus to
save Obama's reelection campaign rather than a fix of turbulent housing
market.Qualified properties should be GSE guaranteed prior to June of 2009.
Removing the current 12... 阅读全帖 |
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j*******0
发帖数: 347 | 23 【 以下文字转载自 LA_Real_Estate_Mortgage 俱乐部 】
发信人: jingsun70 (洛城地产贷款), 信区: LA_Real_Estate_Mortgage
标 题: CA mortgage news - Shop for Loan Agents, Not Rates
发信站: BBS 未名空间站 (Mon Oct 31 14:01:06 2011, 美东)
Every consumer shops for mortgages and they should. But this is the critical
distinction: you should be shopping for the best mortgage advisor. If you
have that, you’ll get the best rate.
Here’s what happens when shoppers focused only on rate get quoted by a good
loan agent: Loan agent quotes a rate onl... 阅读全帖 |
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l**********n
发帖数: 303 | 24 【 以下文字转载自 NewJersey 讨论区 】
发信人: liangjingjin (亮晶晶), 信区: NewJersey
标 题: 求推荐mortgage loan officer及几个mortgage问题
发信站: BBS 未名空间站 (Fri Jun 15 00:00:50 2012, 美东)
求推荐新州比较好的mortgage broker或者直接direct lending bank。
另外也求推荐secaucus和weehawken区域的好的buyer's agent，多谢~
问题：最近能拿到的比较低的rate大概多少（针对first time purchase, primary
residence, single family/townhouse/condo, 740+的信用分，20% down pay），我看
amerisave上可以有3.25 （30year fixed），这个网站可靠么？
关于pre-approval，或者pre-approval letter一定需要做credit hard pull么？这样
就降低了credit score, 到时真正lo... 阅读全帖 |
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z****e
发帖数: 555 | 25 To make my offer attractive, my agent agreed to meet the Deadline for
mortgage Contingency 3 weeks after P&S.
The closing date is about 3 weeks away from "Deadline for mortgage
Contingency".
My question is: what if I can not meet the mortgage requirement. Is there
any penalty for me? Can I extend one week without any penalty?
It will be reasonable to have 4 weeks at least for mortgage, and 2 weeks for
closing date.
What do you think?
thanks, |
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a*****p
发帖数: 1285 | 26 前段时间在看房，看中的都被cash offer拿掉了。后来抢了个 shortsale。这个
approval的过程要3个月到2年， 现在也在看，就是房源很少。手头上的cash只够down
pay的。
原本有另外计划中的事要花费差不多10k，本来打算买了房以后用信用卡贷款分期还这
10k，前18个月可以免息。这样贷mortgage的时候可以不用影响信用纪录。
现在房子这边还不知道什么时候能入手。 如果现在就把那个10K用现金付掉了，肯定
downpay 不够了，如果那个10k现在就跟银行贷的话，肯定有个hardpull。
有2个问题，
1. 这个hard pull会影响很大么？ mortgage打算贷15年fix的。
2. 如果贷了10k，然后手上保留down payment的cash，贷mortgage的时候，银行会查你
的asset，查你的ssn和credit之类的，如果有这个negative 10k，而且很近期的话，对
mortgage的影响很大么？
先就想到这么多，因为买房实在不知道这个近期能不能搞定，又不想因为买房把其他事
情拖着不做。 请大家给点建议。 |
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w*****m
发帖数: 20421 | 27 If the government shuts down, what happens to all the Uncle Sam-backed
mortgages that are in the pipeline? They account for about 90% of U.S. home
loans, so reducing that flow could hurt the housing recovery.
The good news is that most government-backed home loans - those purchased
and securitized by Fannie Mae and Freddie Mac - will be unaffected by a
shutdown. Those companies pay for their operations out of the fees that they
charge lenders.
Related: How will a government shutdown affect you?
... 阅读全帖 |
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C******a
发帖数: 119 | 28 We took out a mortgage a few months ago. Now, four months later, we don't
need the money anymore and want to pay off the mortgage. I heard that
mortgages are not supposed to be paid off within 6 months or one year even
without prepayment penalty. If we pay off our mortgage within 6 months,
would that harm our loan broker in anyway? Our loan broker is a friend. |
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c********u
发帖数: 144 | 29 现在mortgage利率这么低，5/1 ARM 3%都不到
假如说我5年内工资能赚到足够的钱最后pay off mortgage
是每个月把闲钱多付点mortgage，还是把闲钱投资点别的然后5年后一起拿出来pay off
mortgage？
也不知道有啥投资能保证5年内每年汇报超过3%，买黄金？
大家怎么看啊，谢谢 |
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y*******0
发帖数: 1193 | 30 我没有mortgage，但是试了一次说我的mortgage是BOA的，然后citi就给我寄了张支票
过来，我直接存在BOA的借记卡里面了，存进去了，像这种没有mortgage但是换
mortgage支票的有没有什么问题啊？ |
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n******s
发帖数: 1523 | 31 it happened to me once before. I paid twice for that particular month: one
is the regular payment (ie, interest for the last month, some principle, and
escrow for property tax), and the other is for principle only. But for the
second payment, they didn't apply the whole amount to the principle. So I
called them, and had it fixed. They said I have to pay the interest for the
next month anyways. I immediately told them the interest for next month
would be less if they apply the whole 2nd payment t... 阅读全帖 |
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n******s
发帖数: 1523 | 32 it happened to me once before. I paid twice for that particular month: one
is the regular payment (ie, interest for the last month, some principle, and
escrow for property tax), and the other is for principle only. But for the
second payment, they didn't apply the whole amount to the principle. So I
called them, and had it fixed. They said I have to pay the interest for the
next month anyways. I immediately told them the interest for next month
would be less if they apply the whole 2nd payment t... 阅读全帖 |
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h********r
发帖数: 316 | 33 找个realtor, 跟他/她讲你要回国，是否可以考虑跟mortgage公司来个short sale.
short sale 就是你房子卖多少就给他们多少。如果mortgage 不接受short sale, 就告
诉他们你只有2个选择：short sale or foreclosure. mortgage 公司一般不要
foreclosure, 因为房子一拍卖一不值钱了，他们损失很大，所以一般shortsale 他们
会同意的，这样你就不用掏一分钱解决了问题。
还有就是walk away, 最后mortgage 公司来个foreclosure, 这样一般不太好，当时也
有人这么做，包括美国人自己。 |
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j*****7
发帖数: 4348 | 34 Yields on 10-year and 30-year Treasury securities are typically used to set
long-term mortgage rates. Loans with short initial terms (1-, 3-, and 5-
year ARMs, e.g.) are pegged to shorter-term securities. So when bond yields
drop, typically, conventional mortgage rates fall as well (see historical
graph below). Conversely, when yields rise, so do mortgage rates. Why? If a
lender chooses to sell your mortgage loan to an investor, the lender will
likely use Treasury yields as a benchmark for value |
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c*****r
发帖数: 8227 | 35 According to the rumor, the Obama administration could announce a program
modeled on one that was originally devised by Columbia University economists
Glenn Hubbard and Christopher Mayer. Under that plan, all homeowners with a
Fannie or Freddie-backed mortgage can refinance with a new mortgage at a
fixed rate of 4.2% or less if they have been current on their payments for
at least three months. And the clincher is that the plan imposes no other
qualification - no appraisal or income verification... 阅读全帖 |
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j******h
发帖数: 6 | 36 报税时要求添：Alternative Minimum Tax - Mortgage Interest。07年买的房子，是
不是要报。我在下面的问题输入今年交的利息，联邦return马上多返回1K。感觉没有这
么好的事，我是不是哪里搞错了。请大侠帮忙看一下。谢谢！
Enter the amount of the interest total shown above that was paid on an
eligible mortgage. Include any qualified mortgage insurance premiums paid in
connection with an eligible mortgage: |
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j******h
发帖数: 6 | 37 是用TaxAct填的。在 Itemized deduction - Taxes you paid:
Itemized deduction - Interest you paid:14k
输入今年的贷款利息和房产税后，return已经增加。
在review时要我输入AMT - Mortgage Interest，我就把14k再输到Enter the amount
of the interest total shown above that was paid on an eligible mortgage.
Include any qualified mortgage insurance premiums paid in connection with an
eligible mortgage: 14k 然后return就又加了1k。
你看有问题吗？ |
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W*******Q
发帖数: 275 | 38 Panic in housing market as Trump effect pushes mortgage rates to 4%
CNBC: "...Since last week's election, the benchmark 10-year Treasury has
gone from a yield of 1.80 to 2.30 percent. It has moved higherwith the
dollar, which is up about 2.5 percent against a basket of currencies. The 30
-year bond yield crossed the psychological 3 percent level Monday.
Mortgages and other financing are based on the 10-year, and fixed-rate and
other mortgages are already on the rise. The 30-year fixed rate mortg... 阅读全帖 |
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G****a
发帖数: 10208 | 39 Extending a long stay near record lows, fixed mortgage rates edged lower
this week, with lenders offering the typical 30-year loan to solid borrowers
at 3.88%, down from 3.9% last week, according to giant loan buyer Freddie
Mac.
In the 21 weekly surveys that Freddie Mac has released starting Dec. 8, only
one has shown the 30-year average above 4%. The record low of 3.87%,
statistically no different from this week’s reading, was recorded on three
consecutive weeks in February.
This week’s average... 阅读全帖 |
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w*****n
发帖数: 368 | 40 如果你想因为稍稍negotiate就看朱诚铁青脸色，并拂手而去的话，请找朱诚做
mortgage！
如果你认可朱诚不通知就推迟mortgage closing day 并拒接电话，请找朱诚做
mortgage！
邪门了，哥只是写了一下跟朱诚打交道的真实经历，帖子不停得给删。本来是说一嘴，
现在看来得每天发一贴。
disclaimer：本人作为顾客跟朱诚打过交道，本人不做mortgage不是朱诚competitor，
如说谎男的烂鸡鸡，女的得爱滋。 |
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d***y
发帖数: 263 | 41 ☆─────────────────────────────────────☆
lopt (NextStep) 于 (Thu Apr 3 21:25:10 2008) 提到:
比方说我的房子market value 500k，现有200k的30年fixed mortgage，5.25% rate。
我想再借100k出来，但是现在的rate没有那么好了，所以不想refi。
怎么样才能借个second mortgage呢？HELOC肯定是不划算。如果我再借100k，两个
mortgage加起来还是少于conforming的limit，那么这个second mortgage能算
conforming吗？
多谢！
☆─────────────────────────────────────☆
tonyxu (无斋主人) 于 (Thu Apr 3 21:43:06 2008) 提到:
HELOC is HELOC, nothing to do with conforming.
Since your CLTV is low,you shall be able to get |
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L*********h
发帖数: 2617 | 42 派 发于 2015-11-03 12:41, 论坛: Chats&&华人闲话
楼主并没有选择，你如果没有现金payoff的话，所以只能给银行打工。
如果有相当于mortgage的现金，那么还是现金去投资，借mortgage省税合算。多数
如果你钱非常多，有超过mortgage的钱买着相同利率e债券，那么借钱一点没意思。这
就是为什么真正的有钱人现金买房。
我就没有mortgage。
回 复引 用发 信只看该用户
greenriver发于 2015-11-03 14:18, 论坛: Chats&&华人闲话
房子流动性差，可是自己要住，比租房划算。 买房。done。
买了房子开始算怎么付款划算，是全款，付清80%（这下子没流动行了只能借Home
equity) ，付越多越好，还是付刚够每月贷款，这点不容易想透。
想不透是因为有别的投资模式，希望赚比房贷利息多（通常普通人不是人人都做的到）
，然后搞了半天发现努力付清贷款才是最划算的。一年2万5的利息送给银行，减税只剪
了8千。白送1万七 。。。
401k每7年跨一次，股市上变数太多了吧。。。 |
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x*********3
发帖数: 54 | 43 【 以下文字转载自 TAX 讨论区 】
发信人: xiaocong213 (xiaocong), 信区: TAX
标 题: 请教：Mortgage insurance premiums 到底能抵税吗？
发信站: BBS 未名空间站 (Sun Mar 12 19:08:12 2017, 美东)
首付少于20%,所以贷款有Mortgage insurance premiums。
试着用Credit Karma免费报税，发现Mortgage insurance premiums没能抵税，只有贷
款的>利息算抵税了。可是我听说Mortgage insurance premiums是可以抵税的啊。请问
这个是Credit Karma的一个bug还是这个确实就不能抵税的？ |
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a********h
发帖数: 819 | 44 A tricky one:
For the first half of the year, the home owner mortgage was 0.5M
And the 2nd half of the year, owner moved to a new house with mortgage 1.5M.
How to determine the mortgage interest that's tax deductible for the year
since part of the year the mortgage balance was over the limit of 1.1M??
Thanks much |
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j***z
发帖数: 74 | 45 NEW YORK (AP) -- The rate on the 30-year mortgage fell last week, staying
below 5 percent. But low rates have done little to lift the struggling
housing market.
Freddie Mac says the average rate on the 30-year loan declined to 4.80
percent from 4.91 percent the previous week. It hit a 40-year low of 4.17
percent in November.
The average rate on the 15-year fixed mortgage fell to 4.02 percent from 4.
13 percent. It reached 3.57 percent in November, the lowest level on records
dating back to 1991.... 阅读全帖 |
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i****y
发帖数: 5184 | 46 thanks for sharing!
payoff mortgage对我来说是多么可望而不可及得事情。
一些，有的是先按月付，等攒够了钱，一次付清。
清的。这里有一个先提条件，就是准备PAYOFF的时间一定要在每个月的15号之前。
。多余的钱，银行会在45天内返还的。但是为了减少麻烦，大部分人会打电话给银行或
ONLINE查询，要PAYOFF STATEMENT。STATEMENT上会给出准确的PAYOFF AMOUNT。TRICK
就在这里，在要PAYOFF STATEMENT之前，你应该先付一次MORTGAGE把PRINCIPAL尽量付
清，留个一两块的BALANCE就行了。
MORTGAGE PAYMENT+PRINCIPAL+PRINCIPAL在1-10号产生的利息。如果你的PRINCIPAL在
100K以上，按利息4%计算，PRINCIPAL在1-10号产生的利息会超过100块。
有PRE-PAY PENALTY，你多付的PRINCIPAL是算上个月的PRE—PAY，不用算利息。（15号
之前，是为了要用MORTGAGE PAYMENT的GRACE PERIOD。）这样当... 阅读全帖 |
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h***b
发帖数: 1233 | 47 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Mortgage Rate Update 贷款利率动态 03/17/11 ▲
关键字: SFR,real estate,mortgage,loan,interest
发信站: BBS 未名空间站 (Thu Mar 17 14:16:33 2011, 美东)
Market Commentary: Bond & equity mkts are driven primarily by news, or the
lack of, from Japan the past few days. whether the nuclear leak situation
deteriorates further will dictate the short term mkt direction--if gets
worse, bond will attract more buying and thus lower rates.
Below is a summary on mortg... 阅读全帖 |
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h***b
发帖数: 1233 | 48 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Mortgage Rate Update 贷款利率动态 03/28/11 --
关键字: real estate,mortgage,loan,interest,irvine
发信站: BBS 未名空间站 (Mon Mar 28 15:29:10 2011, 美东)
Below is a summary on mortgage rates as of 03/28/11**:
*****Refinance Loan***** (no costs to borrower)
Loan Amt 30Yr Fixed 15Yr Fixed 5/1 ARM
≤417K 4.875% 4.250% 3.625%
APR 4.875% 4.250% 3.625%
≤729K 5.000% 4.375% 3.875%... 阅读全帖 |
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L******f
发帖数: 5368 | 49 WASHINGTON (AP) -- The Obama administration laid out three broad options
Friday for reducing the government's role in the mortgage market. All three
would almost certainly lead to higher interest rates and costs for borrowers.
The administration said in a report that the government should withdraw its
support for the mortgage market slowly, over five years or more. The report
describes a path for winding down the troubled mortgage giants Fannie Mae
and Freddie Mac.
But rather than making a singl... 阅读全帖 |
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