k*****g
发帖数: 316 | 1 利率一周漲了0.25%.
現在loan officer推薦5/1 arm 然后等refi。說能給4% no cost at all.
如果30fix是5.125%，3000 closing。
我完全不知道怎么辦了。5年對我來說有點短。應該會住超過五年。怎么辦好啊。大家
聊聊。 |
c******l
发帖数: 502 | |
k*****g
发帖数: 316 | 3 5/1ARM
7/1的利率很差。
我現在傾向30.我覺得利率很難回來了。
只是一周漲了.25%，真的很郁悶啊。 |
c****o
发帖数: 32446 | |
w*****y
发帖数: 760 | |
s**m
发帖数: 1564 | 6 loan amount? do you have plans to pay that off within 5-6 years (either you
have extra cash/income, or you plan to sell it)? if yes, 5 year ARM. if not,
then if you are able to afford higher monthly pay, you may consider 15 year
fixed. if you are tight on monthly income/spending, use 30 year fixed. |
s**m
发帖数: 1564 | 7 by the way, penfed has 5/5 arm 4.0% with little closing cost. you may want
to try that |
k*****g
发帖数: 316 | 8 我们要到的是5/1 4.0。不过我觉得rate降到4.875以下的几率很小啊。
每个月200块钱买一个定时炸弹的感觉。
【在 s**m 的大作中提到】
: by the way, penfed has 5/5 arm 4.0% with little closing cost. you may want
: to try that
|
L***1
发帖数: 2019 | 9 What is 5/5 arm? Thanks. |
w*****y
发帖数: 760 | 10 恩恩~~就是这样的感觉，那么锁5年除了承担以后利率涨了又不卖房的风险之外没别的
坏处了吧？ |
s**m
发帖数: 1564 | 11 5/5 is better than 5/1 if rate doesn't drop.
to LV211: 5/1 means after 5 years, rate is adjusted every 1 year. 5/5 means
after 5 years, rate is adjusted every 5 year. i.e., rate is same within year
6-10.
【在 k*****g 的大作中提到】
: 我们要到的是5/1 4.0。不过我觉得rate降到4.875以下的几率很小啊。
: 每个月200块钱买一个定时炸弹的感觉。
|
