b*d
发帖数: 9308 | 1 220K的贷款应该可以做到No Cost的。但是我们现在只能做加州的贷款。 |
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s******a
发帖数: 52 | 2 如果你有认识的朋友可以做外州的，请推荐一下。谢谢。 |
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b*d
发帖数: 9308 | 3 版上有几个朋友可以做外州的，像circlesquare，cookiesl，不知道他们能不能做你们
州的。 |
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c**********e
发帖数: 1184 | 4 每个broker都是有特定州的mortgage origination license，比如我们方圆贷款目前可
以做加州、马里兰、维吉尼亚和佛罗里达四州的贷款。能否请你具体讲一下是哪个州的
？ |
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s*******h
发帖数: 2148 | 5 同问，5w的loan有必要做吗？不过以前的利率还蛮高的，不知道
能省几个钱。 |
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b*d
发帖数: 9308 | 6 没有太大必要，整个的Closing Cost大概是$3500-$4000。 |
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e*****s
发帖数: 218 | 8 我看你理解错了，third party费是你自己出的，broker说的no cost
no point只是出你的appraisal得到closing cost
escrow和interest都是自己出的。
说说你在哪个州，看看我们能不能做。
我在中部。
fees |
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s******a
发帖数: 52 | 10 那平时说的no cost，自己也要出Title insurance 等的third party fee 了？我理解
是escrow和interest等自己出， 所以third party fee， broker or lender 出。 我
在Wyoming。 |
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b*d
发帖数: 9308 | 11 No Cost的Refinance是指所有Non-recurring的费用都是Broker出，包括了Escrow fee
和title insurance。 |
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b*d
发帖数: 9308 | 12 it's better keep higher loan amount when refinancing, because that will give
you a lower rate.
Any |
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b*d
发帖数: 9308 | 13 the larger the loan amount, the lower the interest rate you can get when
refinancing. this is because bank will earn more total interest from you, so
they are OK with a lower interest rate.
years |
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w**********9
发帖数: 1098 | 14 那你盯好appraisal的时间，现在银行还在忙refinancing，appraisal拖拖拉拉。不要
给seller撵你们走人的机会。不过两星期一过，他们也就不想折腾，卖给谁都好了。 |
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R******d
发帖数: 1305 | 15 那您的意思是说我们要交这个penalty了 because we are refinancing a mortgage to
pay off the equity loan？Thanks! |
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a*****y
发帖数: 27 | 16 Offer被接受之后，马上就安排inspection了。需要补充一点，在我们第一次出价之后
，卖方代理
告诉我们房主已经把房子交给relocation company代为处理，所以卖方名义上是
relocation
company了，我们需要签署更多的文件。开始我们不太了解这种交易方式，认为中间相
当于又插入了
一个中介机构，抽佣的人更多，手续也更麻烦，就想退出。后来经过打听，大概了解到
一般请
relocation company很多是房主的雇主需要房主改换工作地点，为了减少房主卖房的后
顾之忧或
者为了房主能够尽快开始到新工作地点上班，就名义上请relocation company公司把房
子先从房
主那里买下来再卖，但是价格还是房主和买方直接谈。一般relocation company卖房好
处就是就
更多希望尽快完成交易，而不会像一般房主计较过多，缺点就是要签署的文件会比较多
，批复环节也
多一点，耗时也多一些。
我们听从朋友建议没有采纳J女士推荐的inspector，而是找了一个收费略贵一点，但口
碑不错的
inspector.检查报告下来，比较为买方说话，说屋顶必须马上换了... 阅读全帖 |
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d******n
发帖数: 2712 | 18 NY的mortgage cost很高，no-cost之后的rate会高到大家不想做refi的，在NY没有no-
cost的refi，是否refi要看rate下降的幅度是否足够在短期内抵消cost了。 |
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s*******y
发帖数: 851 | 20 no. only nearby sales will affect your tax. |
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d******n
发帖数: 2712 | 22 refi如果房价跌了，有些客人会拿着appraisal去试试能否将tax降低。。。 |
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a***u
发帖数: 335 | 23 从4.875% 20yr 降到4.625% 20yr, 或从4.875% 20yr 降到4.375% 15yr，哪个值得做？
算的都头疼了，大家帮忙给个建议吧。 |
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b*d
发帖数: 9308 | 24 谁给你的Rate这么差,今天Jumbo Conforming 15yrs 可以到3.875%. |
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a***u
发帖数: 335 | 25 是吗？有电话号码或其他联系方式吗？多谢了。俺在PA。 |
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d******n
发帖数: 2712 | 27 high balance和jumbo是有区别的，不同county的high balance最高额也不同。目前
high balance的rate很好，如果是jumbo了的话，rate是不行。
从节省利息角度，当然15年好了，但要考虑还款压力。不过LZ借jumbo loan，想必银子
还是足够的。20年不是popular的program，rate只比30年的低一点点。 |
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J***t
发帖数: 122 | 28 正在做no closing cost refinancing，从HUD上看是没有cost了。但是我看了一下
payoff statement, payoff amount在principle和interest之外还包括recording fee
和fax fee，尤其fax fee还特别注明应该是settlement agent交的。请问我应该交吗？ |
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y**u
发帖数: 2788 | 29 Just closed today, no cost. Loan amount of 270K, Chicago area.Will refinance
again after three months if the rate goes down to 3.875% |
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d******n
发帖数: 2712 | 30 如果no cost refi都能降到3.875%了，估计rate真是要到谷底了。 |
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f******i
发帖数: 451 | 32 Congratulations. A question, how to start a refinance? open local Chinese/
English newspaper and pick up agents, then call one by one? Thank you.
refinance |
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b*d
发帖数: 9308 | 33 有没有最近朋友做过Refi的,他们应该可以介绍一下。如果你在加州，可以联系我: 626
-893-9760。 |
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d******n
发帖数: 2712 | 34 为啥不问问买房时帮你做贷款的broker呢？对他/她不满意？
shop around也没啥不好的，NJ，NY的话我也能帮上忙。 |
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f*****e
发帖数: 223 | 35 咋样的refi才算no cost,就是一分钱不花，利率降了？ |
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b*d
发帖数: 9308 | 36 对，没错，这样才是No Cost Refinance。 |
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d******n
发帖数: 2712 | 37 客人不需要付bank fee, appraisal fee, title的费用,government recording fee；
只需要付prepaid interest和放在escrow账户里的property deposit。 |
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n*********e
发帖数: 25274 | 38 1) Purchase activity, after two prior weeks of strength, slowed in the
November 12 week, down 5.0 percent according to the Mortgage Bankers
Association. Refinance activity fell 16.5 percent. MBA blamed the drops,
especially for refinancing, to a surge in rates including an 18 basis point
jump for 30-year loans to an average 4.46 percent.
The Mortgage Bankers' Association compiles various mortgage loan indexes.
The purchase applications index measures applications at mortgage lenders.
This is a l... 阅读全帖 |
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p*****b
发帖数: 291 | 39 在多附的三个月的payment中，我有指定的多付本金部分。问题是，这多付的利息部分
，是否可用来降低贷款额度？
不过，我的refinanced amount是等于当前的mortgage的余额而且没有作cashout
refinance. |
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h********8
发帖数: 7355 | 40 【 以下文字转载自 LosAngeles 讨论区 】
发信人: laosanzhang (草耕老三), 信区: LosAngeles
标 题: big thanks to bed
发信站: BBS 未名空间站 (Wed Dec 8 12:47:30 2010, 美东)
the rate is shooting up quickly recently, but bed has done a great job for
my refinancing with the lowest rate of 4.25% without cost, he is the best
loan agent i have seen, highly recommended for those who need to do loan. |
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j****y
发帖数: 1714 | 41 http://library.hsh.com/read_article-hsh.asp?row_id=85
The questions are simple enough: What's going on with mortgage rates?
What makes them rise, or fall? Is it the Fed? The economy? Inflation?
The banks? The President? Fannie Mae or Freddie Mac? Is it a secret
conspiracy?
The answer is that rates are moved by a number of related factors, and
believe it or not, you -- Joe or Jane Consumer -- are one of those
factors.
Mortgage money can come from many sources, including deposits at banks
and brok... 阅读全帖 |
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c*****r
发帖数: 81 | 42 If you don't plan to live there long then it is probably better to go with
ARM. But then again maybe renting is the best option.
ARM has two advantages: 1) most of the time, yield curve is upwards, ARM
rate is lower than 30-yr fixed, saving your on monthly payments; 2) because
of the lower interest rates on ARM, the loan is amortized down faster.
This means with same loan amount, if A takes ARM and B takes 30-yr fixed, A
pays less than B does every month, AND A owes the bank less than B does 5
y... 阅读全帖 |
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p*******n
发帖数: 4824 | 43 现在这种利率，需要refinancing的可能性不大，应该还是15年fixed划算吧？ |
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M**********n
发帖数: 432 | 44 It depends. You may still use the same bank after refinancing. |
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H******7
发帖数: 34403 | 45 xxx from American.XX.called me this morning. He said you contacted him
last year about refinancing, and recently the interest rate has dropped to
4% (no closing cost, etc). |
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h***b
发帖数: 1233 | 46 1098 documents the mtg int & pt you paid for the yr.
in general,
1. pt is deductible (all in once for the yr it was paid) if the loan is for
purchase of your home
2. pt paid on refinanced loan has to be ***amortized*** over the term of
the loan--i.e. total pt payment divided by # of yrs is the deductible amt
each yr from the yr you paid the pt and completed your refi.
hope this helps... |
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h***b
发帖数: 1233 | 47 rates have been steadily moving higher since last Nov. ppl's interest and
demand on refinancing was down 90%... supply of info goes down accordingly?
but you can still check out my postings--
http://www.mitbbs.com/club_bbsdoc/charles.html
true, rates are off from 40-yr low but we're still sitting at 37-yr low!
rates re still lower than 37 out of the last 40 yrs... glass isn't quite
half empty yet. :p |
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c*****l
发帖数: 631 | 48 这次从10年的4.125做到3.75, no cost.估计这也是最后一次做ref，在德州
大家觉得利率最近怎么样？ |
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