b**a
发帖数: 62 | 1 我需要做30, 15 year fixed rate 或 7 ARM refinancing, 在Dallas area
请agent直接发我邮箱 [email protected]
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/* ]]> */ |
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y**s
发帖数: 376 | 2 有和citi 直接做过refinancing的吗？整个过程怎么样？ |
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d*2
发帖数: 2053 | 3 http://money.cnn.com/2009/07/01/news/economy/Obama_refi_program
By Tami Luhby, CNNMoney.com senior writer
Last Updated: July 1, 2009: 3:06 PM ET
NEW YORK (CNNMoney.com) -- The Obama administration is widening its mortgage
refinancing program to allow more borrowers hit hard by falling home prices
to take part.
Borrowers whose loans are now worth up to 125% of their home's value are now
eligible to refinance their homes under the Obama foreclosure prevention
plan announced in February. Previously... 阅读全帖 |
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w******y
发帖数: 8040 | 4 O8 new bailout is on its way ....
WASHINGTON (Reuters) - President Barack Obama announced on Tuesday a cut in
fees on many government-backed mortgages that he said could help millions of
homeowners refinance, part of an election-year push to boost the shaky U.S.
housing market.
Under the plan, a typical borrower with a loan backed by the Federal Housing
Administration could save a thousand dollars a year by refinancing into a
new FHA loan, the White House said. The fee reductions would be on top... 阅读全帖 |
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w*****m
发帖数: 20421 | 5 There is no such thing as “no-cost refinancing.” There is only “full cost
” refinancing disguised by marketing code as “no-out-of-pocket-cost-
refinancing.”
The first and most frequently used “no-cost” refinancing option is to
simply add all of your closing costs, tax and insurance escrows to your
existing mortgage loan balance, then increase the amount of your mortgage to
cover everything, and have a new mortgage that is a little bigger than when
you first started thinking about refinancing. Th... 阅读全帖 |
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w******y
发帖数: 8040 | 6 【 以下文字转载自 Living 讨论区 】
发信人: wsbioguy (postdog), 信区: Living
标 题: fangtuo zhongda lihao!
发信站: BBS 未名空间站 (Wed Mar 7 13:56:57 2012, 美东)
O8 new bailout is on its way ....
WASHINGTON (Reuters) - President Barack Obama announced on Tuesday a cut in
fees on many government-backed mortgages that he said could help millions of
homeowners refinance, part of an election-year push to boost the shaky U.S.
housing market.
Under the plan, a typical borrower with a loan backed by the Federal Housing
Administra... 阅读全帖 |
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M********0
发帖数: 215 | 7 New Mortgage Plan Floated
Underwater Borrowers Current on Payments Would Get Help.
State and federal officials are pushing a plan that could help some "
underwater" borrowers get refinancing assistance in the latest government
bid to break a legal impasse with big banks over alleged foreclosure abuses
and ease problems in the housing market.
WSJ's Nick Timiraos has details of a proposed plan that would give mortgage
-holders who are underwater access to refinancing assistance. Photo by Joe
Raedl... 阅读全帖 |
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l*****a
发帖数: 67 | 8 这道题看了解释也没懂，觉得答案不对，应该选A，因为是12个月以内就要due 的，所
以应该是current liability. 我对这个比较晕，请牛人帮我看看这道题。谢谢！！
CPA-00676 Type1 M/C A-D Corr Ans: C PM#63 F 5-99
136. CPA-00676 May 95 #5 Page 34
Cali, Inc., had a $4,000,000 note payable due on March 15, 1995. On January
28, 1995, before the issuance of its 1994 financial statements, Cali issued
long-term bonds in the amount of $4,500,000. Proceeds from the bonds were
used to repay the note when it came due. How should Cali classify the note
in its December 31, 1994, fi... 阅读全帖 |
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j***h
发帖数: 4412 | 9 Taxpayers Rank Behind Solyndra Investors
By William McQuillen - Sep 3, 2011 7:00 AM PT
The Obama administration let $385 million in taxpayer support for Solyndra
Inc. take a back seat to funds from new investors in an unsuccessful effort
to keep the solar-panel manufacturer operating.
The Energy Department decided the January refinancing represented the “
highest probable net benefit” for the government, according to a government
document obtained by Bloomberg News. Investors provided the compan... 阅读全帖 |
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j***h
发帖数: 4412 | 10 Taxpayers Rank Behind Solyndra Investors
By William McQuillen - Sep 3, 2011 7:00 AM PT
The Obama administration let $385 million in taxpayer support for Solyndra
Inc. take a back seat to funds from new investors in an unsuccessful effort
to keep the solar-panel manufacturer operating.
The Energy Department decided the January refinancing represented the “
highest probable net benefit” for the government, according to a government
document obtained by Bloomberg News. Investors provided the compan... 阅读全帖 |
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c**m
发帖数: 1457 | 11 【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Senators press for mass mortgage refi plan
发信站: BBS 未名空间站 (Wed Oct 12 20:08:11 2011, 美东)
Some positive news on refinance
Wednesday, October 12th, 2011, 12:03 pm
A group of 16 senators sent a letter to regulators Tuesday, pressing for a
plan to boost mortgage refinancing for more homeowners as soon as possible.
Such a plan is being widely discussed admittedly, and now the lawmakers are
ready t... 阅读全帖 |
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k********8
发帖数: 7948 | 12 http://business.time.com/2013/05/15/why-this-housing-upturn-loo
This Housing Upturn Looks Like the Real Thing
Ever since the recovery began in 2009, a weak housing market has held back
the U.S. economy. The first rebound in home prices was lackluster and after
only a year was followed by another dip. But the recent upturn in home
prices looks like the real thing. One clear sign of a turning point: In
March, homeownership hit a 17-year low, while the 12-month gain in home
prices was the biggest i... 阅读全帖 |
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c**m
发帖数: 1457 | 13 【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Senators press for mass mortgage refi plan
发信站: BBS 未名空间站 (Wed Oct 12 20:08:11 2011, 美东)
Some positive news on refinance
Wednesday, October 12th, 2011, 12:03 pm
A group of 16 senators sent a letter to regulators Tuesday, pressing for a
plan to boost mortgage refinancing for more homeowners as soon as possible.
Such a plan is being widely discussed admittedly, and now the lawmakers are
ready t... 阅读全帖 |
|
j***h
发帖数: 4412 | 14 Taxpayers Rank Behind Solyndra Investors
By William McQuillen - Sep 3, 2011 7:00 AM PT
The Obama administration let $385 million in taxpayer support for Solyndra
Inc. take a back seat to funds from new investors in an unsuccessful effort
to keep the solar-panel manufacturer operating.
The Energy Department decided the January refinancing represented the “
highest probable net benefit” for the government, according to a government
document obtained by Bloomberg News. Investors provided the compan... 阅读全帖 |
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g********n
发帖数: 2314 | 15 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: dadabear (bless you), 信区: SanFrancisco
标 题: [合集] goldenrain的观点未免偏颇
发信站: BBS 未名空间站 (Thu Feb 8 16:24:51 2007), 站内
☆─────────────────────────────────────☆
MSJ (Mission San Jose) 于 (Tue Feb 6 00:42:38 2007) 提到:
看完他blog的《现在在哪里买房风险小》，我只能笑着摇摇头。在我眼里，这个列表与
其说是“风险小”列表，不如说是“房子难涨地区列表”。试论证一二：
1. 常言道“强者恒强，弱者恒弱”。NYC, SF地区房价高企不是一年两年了，支撑房价
的不是那个affordability的percentage，而是能afford的人口数和房子总数的比例。
这里看百分比是没有多大意义的。只要还有人能买得起还愿意买，即使affordability
只有15%又如何呢？
2. 正如high tech公司的P/E要远大于... 阅读全帖 |
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l****z
发帖数: 29846 | 16 by Guest Contributor
In yet another attempt at jump starting the economy, the Federal Reserve’s
latest major stimulus action, known as QE3, is likely to have less effect on
the housing market than Fed Chairman Ben Bernake would hope.
QE3, shorthand for the third “quantitative easing” effort undertaken by
the Fed since the onset of the Great Recession, essentially involves the Fed
buying up a great many bonds to increase the money supply and reduce
interest rates. With the first two attempts havi... 阅读全帖 |
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k******o
发帖数: 3328 | 17 Each and every refinancing will incur a few thousand dollars (i.e. title
insurance, escrow fee, lender related charges, credit report fee, etc). If
our promise as mortgage broker to you is No Point No Fee refinancing,
it should be 100% covered, thus mortgage rate is invariably higher than the
case if you pay the closing cost yourself.
Generally No Point No Fee refinancing is preferred option because you
could always refinance in 4 month if the mortgage rate drops again, whereas you
start to enjo... 阅读全帖 |
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a**r
发帖数: 661 | 18 ☆─────────────────────────────────────☆
bbppb (活跃版面, 匹夫有责) 于 (Sun Apr 8 00:52:01 2012, 美东) 提到:
哪个版主再删我的这个没有点名的真实经历的帖子的话，公堂见！谢谢！
本人是去年9月底开始找Boston的某个Mortgage broker 做 Refinance的， 这个人因为
本人经常有联系，并且以前在她们同一公司做过两次 Refinance,所以，基于对她的信
任，在9月23日找她Lock时，她口头承诺的是给一些Rebate，并且Cover Heloc 的
panalty $250， No-closing cost loan. 当时本人不好意思向她确证多少Rebate，更
没有找她要Email证明（所以，事情最后不愉快后，她第一句话就是你拿出证据来，你
有没有Email做证 据? 最后，反倒诬陷我撒谎）。
我是9月23日找她Lock利率的，当天把Application表填好给她。
因为我找她们公司做过两次Refinance，每次她们公司都没有预先叫我交 Deposit.这个
dep... 阅读全帖 |
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w**7
发帖数: 1265 | 19 ☆─────────────────────────────────────☆
bbppb (活跃版面, 匹夫有责) 于 (Sun Apr 8 00:52:01 2012, 美东) 提到:
哪个版主再删我的这个没有点名的真实经历的帖子的话，公堂见！谢谢！
本人是去年9月底开始找Boston的某个Mortgage broker 做 Refinance的， 这个人因为
本人经常有联系，并且以前在她们同一公司做过两次 Refinance,所以，基于对她的信
任，在9月23日找她Lock时，她口头承诺的是给一些Rebate，并且Cover Heloc 的
panalty $250， No-closing cost loan. 当时本人不好意思向她确证多少Rebate，更
没有找她要Email证明（所以，事情最后不愉快后，她第一句话就是你拿出证据来，你
有没有Email做证 据? 最后，反倒诬陷我撒谎）。
我是9月23日找她Lock利率的，当天把Application表填好给她。
因为我找她们公司做过两次Refinance，每次她们公司都没有预先叫我交 Deposit.这个
dep... 阅读全帖 |
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x******t
发帖数: 3911 | 20 Refinancing will lower the monthly payment if the interest rate is lower, of
course. Ask around for no cost refinancing. You don't pay any fees to the
broker with no cost refinancing. |
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t**d
发帖数: 6474 | 21 你做的是不是no cost refinancing？有的lender给你多贷款付closing cost，不是真
正的no cost refinancing。真正的no cost refinancing是只贷本金余额，lender
covers closing cost，而escrew account的部分你自己出。 |
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l***n
发帖数: 812 | 22 This is the express transcript from Factset.
Operator: Good morning and welcome to the First Quarter 2011 Western
Refining Earnings Conference Call. After the speakers' opening remarks,
there will be a question-and-answer period. [Operator Instructions] As a
reminder, ladies and gentlemen, this conference call is being recorded and
your participation implies consent to our recording of this call. If you do
not agree with these terms, please disconnect at this time. Thank you.
I would now li... 阅读全帖 |
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s*****m
发帖数: 8094 | 23 隔壁帖子：
“... to refinance qualified residence indebtedness incurred before that
date to the extent the amount of the indebtedness resulting from the
refinancing does not exceed the amount of the refinanced indebtedness.
Thus, the maximum dollar amount that may be treated as principal residence
acquisition indebtedness will not decrease by reason of a refinancing"
这最后一句感觉意思就是即便refi超过了(cashout refi)也不会比原来的limit差
cashout |
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l*******u
发帖数: 12906 | 24 NEW YORK (CNNMoney) -- The nation's five largest banks have finally struck a
deal with 49 states to settle charges of abusive and negligent foreclosure
practices dating back to 2008.
Under a deal announced Thursday, the banks will commit $26 billion to help
underwater homeowners and compensate those who lost their homes due to
improper foreclosure practices.
PrintComment
Foreclosure Fiasco
What the foreclosure settlement means for you
Foreclosure deal has 40 states, but others balk
Finally, a fo... 阅读全帖 |
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l*****e
发帖数: 16384 | 25 估计老美也不明白
Compared to other areas, California has a higher cost of living in one of
the United States. This is because of the high cost of property. This
Addition, it is received by a heavy fall in property prices is one of the
state. Therefore, it is beneficial to the refinancing rate in California
Asia, is essential if owners want to lower the debt burden and loss of
household assets. Grateful for the recent
California refinance home loan interest rates are historically low, and
promote a favor... 阅读全帖 |
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l*****e
发帖数: 16384 | 26 估计老美也不明白
Compared to other areas, California has a higher cost of living in one of
the United States. This is because of the high cost of property. This
Addition, it is received by a heavy fall in property prices is one of the
state. Therefore, it is beneficial to the refinancing rate in California
Asia, is essential if owners want to lower the debt burden and loss of
household assets. Grateful for the recent
California refinance home loan interest rates are historically low, and
promote a favor... 阅读全帖 |
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S**C
发帖数: 2964 | 27 So you indeed believe Ben did not get his mortgage refinanced? I did not say
he made the whole things up, yeah a know-nothing CSR may declined his
application. But he did not get his mortgage refinanced through the bank?
It is a light-hearted joke. |
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W*****B
发帖数: 4796 | 28 White House adviser’s business arrangements were considered
Officials in at least four countries have privately discussed ways they can
manipulate Jared Kushner, the president’s son-in-law and senior adviser, by
taking advantage of his complex business arrangements, financial
difficulties and lack of foreign policy experience, according to current and
former U.S. officials familiar with intelligence reports on the matter.
Among those nations discussing ways to influence Kushner to their adv... 阅读全帖 |
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y***a
发帖数: 733 | 29 Why do we need to pay 6 month property tax and insurance again during the
refinance? Did we pay that when I bought my house 5 years ago? Is it
supposed to be transfered?
Also my previous mortgage company BOA has a ESCow refund at the end of the
refinancing time, where did the money go? My refinanced mortgae company
doesn't have this ESCow money for the balance sheet.
Anyone knows? Thanks. |
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b*d
发帖数: 9308 | 30 这就是利率利率飞涨的结果。
NEW YORK (AP) -- Applications for mortgages tumbled last week, led by a
sharp decline in refinancing as rates ticked up.
The Mortgage Bankers Association said Wednesday overall applications for
loans dropped 16.5 percent from the previous week. Refinance applications
plunged 21.6 percent, while purchase applications edged up 1.1 percent from
the previous week.
The survey adjusted for the Thanksgiving holiday.
The average rate for a 30-year fixed loan rose to 4.56 from 4.50 percent
... 阅读全帖 |
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k******o
发帖数: 3328 | 31 Today's 30 year fixed is 4.000% in CA if you meet certain requirement.
If you just purchased your house, even 0.25% drop is worth refinancing,
given this is truly No Point No Free Refinancing.
You are welcomed to join my club by clicking my name and search for it. |
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k******o
发帖数: 3328 | 32 You have multiple choice, 30 year fixed is one option.
Although the monthly mortgage payment remains the same (constant), however,
percentage of principle will increase asymptotically. Thus in the last few
years, a fair amount of the monthly mortgage payment will go toward your
principle.
There are variety ways to check "那我去年还贷钱不是白交了". One way might be
following:
Assume you already paid one year mortgage, after refinancing to lower rate (
at least 0.25% lower, no point no fee), given you maintai... 阅读全帖 |
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k******o
发帖数: 3328 | 33 Most lender will justify refinancing to the benefits to the borrower (i.e.
rate drops 0.25%, etc). Otherwise the refinancing package might get denied. |
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M********I
发帖数: 848 | 34 谁能给贴个全文。看看这些在水下的怎么refinance?
http://online.wsj.com/article/SB1000142405297020434610457663751
State and federal officials are pushing a plan that could help some "
underwater" borrowers get refinancing assistance in the latest government
bid to break a legal impasse with big banks over alleged foreclosure abuses
and ease problems in the housing market.
The proposal was raised in a meeting last week between government
negotiators and giant lenders as part of an effort to settle allegations of
ques... 阅读全帖 |
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h***b
发帖数: 1233 | 35 留意这新政策适用于未能满足银行在 refi 时一般要求房子有20% Equity，或是房子买
入后跌价，不幸"潜水"（负资产）的苦业主。具体细节有待两房公布，银行大约会在11
月中以后开始执行，执行过程中可能有相对严的要求，因为新政策是基于 voluntary
basis...
Obama gov't & Fannie & Freddie are coming w/ out new HARP (home affordable
refi program) guidelines that remove limit on LTV (was up to 125%, or -ve 25
% equity). big caveat--HARP is NOT mandatory and thus participating
lendersmay impose stricter guidelines...
1. Existing mortgage loan must be owned or guaranteed by Fannie Mae or
Freddie Mac.
2. Existing mo... 阅读全帖 |
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k******o
发帖数: 3328 | 36 Closing cost includes title, escrow, lender, appraisal, etc regardless it is refinance or purchase. Of course, there are more fees in purchase than refinance. Let's suppose they have the exact same charged items.
If you do refinance, normally, your mortgage broker has already
negotiated a deal for you with title and escrow and get a good price for it, that is why refinancing could be done with No Point No Fee since the closing cost is known, or at least in some manageable range.
Whereas for purc... 阅读全帖 |
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b***r
发帖数: 233 | 37 谢谢bed.
google了以下HARP的条件:
You may be eligible for HARP if you meet all of the following criteria:
•The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae
.
•The mortgage must have been sold to Fannie Mae or Freddie Mac on or
before May 31, 2009.
•The mortgage cannot have been refinanced under HARP previously unless
it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
•The current loan-to-value (LTV) ratio must be greater than 80%.
... 阅读全帖 |
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k******o
发帖数: 3328 | 38 3.875% No Point No Fee Refinancing is for your primary residence. In fact,
depending on your loan amount, you could still do refinancing as investment
property with high rate, still below 4.875%.
0cost, |
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m***y
发帖数: 280 | 39 首先谢谢楼上大家的回复。不知道什么原因，我们这边的银行对于No Point No Fee
refinancing的事情，总是支支吾吾的，开始在local找了几家银行，也就最后这两家利
率最低，3.25，最后决定从这两家中选一家来做，后来看了版上大家说可以做No Point
No Fee refinancing，我们就又问他们该怎么做，一家的回复是这样的利率会比我们
锁定的3.25高一些，他说不划算，另一家只说可以做，然后就说他去查查，后来我们天
天盯着问他查的结果如何，回答永远是你给我几分钟，我马上回复你，然后总是没有音
信，后来第一家银行这边催得紧，又担心利率马上涨上去，就从了，要花将近3000，可
是今天又出现了以上的问题，觉得有点被骗的感觉，很不爽，不知道该怎么办，懂行的
朋友们能出出主意吗，万分感谢。 |
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S******6
发帖数: 3138 | 40 "The program would also eliminate some risk-based fees for borrowers."
但是主要还是针对那些水下和低信用的房主。
Fact or Fiction Number 2 - Obama's Plan for Foreclosures
"That's why I'm sending this Congress a plan that gives every responsible
homeowner the chance to save about $3,000 a year on their mortgage, by
refinancing at historically low interest rates. No more red tape. No more
runaround from the banks. A small fee on the largest financial institutions
will ensure that it won't add to the deficit, and will g... 阅读全帖 |
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k******o
发帖数: 3328 | 41 It is two separate topic, yet both have escrow, title and loan company
involved.
Purchase: in most cases in CA, buyer does not have option to pick up escrow
and title company, so they are more expensive.Compared with refi, it takes
more attention/email/phone call to get purchase loan done.
Refinance: most likely your mortgage broker select the most price
competitive for you (for no point no fee refinancing).
Purchase closing cost is likely higher than refinancing for the same case. |
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e***n
发帖数: 138 | 42 最近搞refinancing, 某个broker报的zero cost refinancing的最低利率3% （15 yr
fixed rate）说是provident funding为lender. 还说provident现在开始要求绿卡了（
以前不要的）。。。5555~~~~让俺白欢喜一场。。。问下板上的朋友，是这样的吗？ |
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k*****c
发帖数: 1670 | 43 Closing Dates on a Refinance
In principle, refinancing should work in the same way as a purchase. If you
close a refinance on the 3rd of the month, for example, you should pay per
diem interest for 3 days to the old lender, and for 28 days to the new
lender. Unfortunately, because of glitches in the system, it doesn't work
out that way. Borrowers often are charged interest by both lenders for 1 day
, and sometimes 2 or 3.
The major reason seems to be that the funds don't move directly from the n... 阅读全帖 |
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o*****p
发帖数: 5952 | 44 no cost refinancing will cover all refinancing related cost.
funding |
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o*****p
发帖数: 5952 | 45 If your new purchased home is for your primary residence, and your former
home is just refinanced as your primary residence within a few month, one of
the option is to refinance your former home as Investment Property.
However, if your former home has been refinanced more than 6 month, it is
relatively save. After one year, 100% save. |
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b********2
发帖数: 5191 | 46 可以在本版找一个您所在州的agent, 一般来说我们在版上的agent虽然提供的rate不一
定相同 , 但是说话应该都很靠谱 |
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b*d
发帖数: 9308 | 47 我建议你把15年换成30年的，这样每个月的负担会少一些。 |
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p***e
发帖数: 1257 | 48 你尽量要选择no cost的refi，这样节省下来的费用就单纯是rate降低节省的，而不用
担心背后的隐藏费用。找个好的agent当然重要--好的agent会把cost都透明化，也不会
报给你浮夸的rate |
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p******y
发帖数: 3523 | 49 如果可预期收入减少，为什么不考虑30年固定利率呢？靠rate降低，每个月最多省个百
八十块。 |
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p******e
发帖数: 677 | 50 谢谢大家的意见。
住在中西部，买房的时候就试着在这里找华人agent，结果没找到。 |
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