g*********r
发帖数: 9822 | 1 但是银行每月给开户customer贷款还款（含利息）1%的rebate，等于那个1 point其实
抵消了
不过错过了上周的15y 3.875只要0.75个point的时机，那会儿contract还没最后搞定没
敢lock |
h*****9
发帖数: 46 | |
g*********r
发帖数: 9822 | 3 嗯，现在好像只有Chase给这个rebate
另外刚刚agent通知说lock在了0.875个point，比1 point还稍微强点
【在 h*****9 的大作中提到】
: chase?
|
c*****t
发帖数: 10738 | 4 现在15y zero cost 0 point可以做到多少啦？ |
b*d
发帖数: 9308 | 5 要看你的Loan Amount，大概可以4.0%左右，如果你兴趣，我的电话是:626-893-9760。
【在 c*****t 的大作中提到】
: 现在15y zero cost 0 point可以做到多少啦？
|
G****y
发帖数: 3537 | 6 LZ, you have to redo your calculation. 1% rebate can not offset one point,
unless you stay in this house at least half of your mortgage years.
Point is calculated on the loan amount right away. Rebate only applies to P&
I yearly.
For here, Chase has 4.25% (15year) rate plus 1.375 point; Another bank has 3
.95% (15 year) rate plus no point. I think the later is much better. That is
why I did not select Chase. |
b*d
发帖数: 9308 | 7 现在如果直接去银行的话都拿不到好的利率，一般会高个0.25%，而且还会有1个左右的
Point。
P&
3
is
【在 G****y 的大作中提到】
: LZ, you have to redo your calculation. 1% rebate can not offset one point,
: unless you stay in this house at least half of your mortgage years.
: Point is calculated on the loan amount right away. Rebate only applies to P&
: I yearly.
: For here, Chase has 4.25% (15year) rate plus 1.375 point; Another bank has 3
: .95% (15 year) rate plus no point. I think the later is much better. That is
: why I did not select Chase.
|
G****y
发帖数: 3537 | 8 I do not know agent can do better. The comparison I showed is from bank
online quote.
【在 b*d 的大作中提到】
: 现在如果直接去银行的话都拿不到好的利率，一般会高个0.25%，而且还会有1个左右的
: Point。
:
: P&
: 3
: is
|
b*d
发帖数: 9308 | 9 Make sure there is no hidden fee on the online quote. Agent's job is to shop
around and get the best rate for you.
【在 G****y 的大作中提到】
: I do not know agent can do better. The comparison I showed is from bank
: online quote.
|
g*********r
发帖数: 9822 | 10 没看懂
Chase has 4.25% (15year) rate plus 1.375 point; Another bank has 3.95% (15
year) rate plus no point
没什么可比性吧，傻子都知道第二个bank的rate好啊
P&
3
is
【在 G****y 的大作中提到】
: LZ, you have to redo your calculation. 1% rebate can not offset one point,
: unless you stay in this house at least half of your mortgage years.
: Point is calculated on the loan amount right away. Rebate only applies to P&
: I yearly.
: For here, Chase has 4.25% (15year) rate plus 1.375 point; Another bank has 3
: .95% (15 year) rate plus no point. I think the later is much better. That is
: why I did not select Chase.
|
s********n
发帖数: 4535 | 11 他的那个chase是返回 1.375 point，好像
【在 g*********r 的大作中提到】
: 没看懂
: Chase has 4.25% (15year) rate plus 1.375 point; Another bank has 3.95% (15
: year) rate plus no point
: 没什么可比性吧，傻子都知道第二个bank的rate好啊
:
: P&
: 3
: is
|
g*********r
发帖数: 9822 | 12 当然不能绝对地对等，一个是up front现钱，一个是15年每个月返还的钱，
选择lender有好几个parameters，看你自己prioritize那一项了
【在 s********n 的大作中提到】
: 他的那个chase是返回 1.375 point，好像
|
