d*****j
发帖数: 45 | 1 agent在3/30 lock 了个 “5.25 % 30 fixed no point ,no fee”on conforming
is that too high? what is the trade-off between no point/fee vs. lower rate?
thanks a lot. |
s*******r
发帖数: 181 | 2 It's a little high to me. On April 5th, my agent offered me 5.2% 30yr fixed
no point no fee. Maybe the rate also depends on principal and location? |
S*******E
发帖数: 2498 | 3 现在利率正在涨，如果过两天到5.5了，你这就算合算了 |
p*********w
发帖数: 23432 | 4 不高了
rate?
【在 d*****j 的大作中提到】
: agent在3/30 lock 了个 “5.25 % 30 fixed no point ,no fee”on conforming
: is that too high? what is the trade-off between no point/fee vs. lower rate?
: thanks a lot.
|
x****c
发帖数: 112 | 5 OK la
rate?
【在 d*****j 的大作中提到】
: agent在3/30 lock 了个 “5.25 % 30 fixed no point ,no fee”on conforming
: is that too high? what is the trade-off between no point/fee vs. lower rate?
: thanks a lot.
|
k*****g
发帖数: 316 | 6 你们所说的no point no fee是什么啊？是没有closing cost么？ |
d*****j
发帖数: 45 | 7 thanks for the feedbacks
(this is in bay area, borrowing ~400k, credit history should not be a
problem)
no fee is only for the loan, far from no closing cost. |
b*****l
发帖数: 1594 | 8 挺高的。同一天lock的comforming jumbo 和你一个利率，去除Rebate, 只要2000出头
的费用。
你这个显然因为是no fee.另外也看你down-pay是多少。越少，利息也越高。还有你的
收入和credit score.也会影响一点。
rate?
【在 d*****j 的大作中提到】
: agent在3/30 lock 了个 “5.25 % 30 fixed no point ,no fee”on conforming
: is that too high? what is the trade-off between no point/fee vs. lower rate?
: thanks a lot.
|
d******e
发帖数: 452 | 9 way too high le. your agent is too greedy.
rate?
【在 d*****j 的大作中提到】
: agent在3/30 lock 了个 “5.25 % 30 fixed no point ,no fee”on conforming
: is that too high? what is the trade-off between no point/fee vs. lower rate?
: thanks a lot.
|
y*******r
发帖数: 2337 | |
|
|
l***o
发帖数: 202 | 11
fixed
请问您是再哪里的呢？我们的lender今天offer了5.375% no point. 看起来比你的高
呢
【在 s*******r 的大作中提到】
: It's a little high to me. On April 5th, my agent offered me 5.2% 30yr fixed
: no point no fee. Maybe the rate also depends on principal and location?
|
d******e
发帖数: 452 | 12 不可能的。
that's a trick agents usually play. nobody covers closing cost.
所以我说楼主的agent太贪婪。3/30号的时候利息还很好，5.25 is too high, agent为
了多赚钱把楼主给卖了。
【在 k*****g 的大作中提到】
: 你们所说的no point no fee是什么啊？是没有closing cost么？
|
d*****j
发帖数: 45 | 13 it is 20% down for ~400K, credit score ~800, at wellsfargo, in bay area.
how much had my agent sold me for?
nothing can be done now because the recent rise in APR? |
s*******r
发帖数: 181 | 14 I am in NC, I finally locked 15 yr fixed no point no fee with rate of 4.5%
and closing cost about $2200 on May 5th. 4.5% may still be a little high,
but dare not to wait anymore.
【在 l***o 的大作中提到】
:
: fixed
: 请问您是再哪里的呢？我们的lender今天offer了5.375% no point. 看起来比你的高
: 呢
|
k*****g
发帖数: 316 | 15 锁了就放心了
【在 s*******r 的大作中提到】
: I am in NC, I finally locked 15 yr fixed no point no fee with rate of 4.5%
: and closing cost about $2200 on May 5th. 4.5% may still be a little high,
: but dare not to wait anymore.
|
d*****j
发帖数: 45 | 16 敢问高人们，1 point or 1000USD fee 相当于多少rate difference (for ~400K loan
, from lender's perspective)? |
k*****g
发帖数: 316 | 17 1000usd fee = 0.25 point吧。 |
c**********i
发帖数: 678 | 18 400K的1point=400000×0.01=4k |
d*****j
发帖数: 45 | 19 sure, 400000×0.01=4k.
but from the lender's perspective, how does the one-time 1% initial fee
weigh against interest rates difference for 30yr? (0.25%? 0.1%?) |
