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发帖数: 30 | 1 If your rate:
1. 5.75% or higher 30yr fix,
2. ARM rate or
3. 15 yr fix 5.375% 0r higher,
You need refinance. But you need these to get a good rate:
1. Credit score >=740
2. All income document good
3. Loan Amt <= 80% of new appraisal value
4. Your state don't charge refi tax(VA charge a lot)
After you decide to do:
1. Get ready your docs: pay stubs,W2, bank statements, title and insurance,
2. Choose a good Chinese agent. You need becareful:
a. Some agent tell you a lower rate but can not do, |
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