y*******d
发帖数: 1674 | 1 准备几个月以后买房 看到说现在必须２５％downpayment才有很好的rate。可是我们大
概只有２０％的downpayment。但是估计贷款几个月后会又有一些积蓄，想知道那个时候再多
交一部分钱，可以refinance然后重新计算rate么？ 怎么才能拿到最好的rate?谢谢 |
h***b
发帖数: 1233 | 2 yes, rules are stricter but extra 5% doesn't make it too much worse.
suggest not to count on refi due:
a. rate could be higher then;
b. reduction in rate may not justify closing costs unless rates drop
meaningfully;
c. w/ tight budget, good to have some extra cash on hand vs "all in"
fico 740 or better & w/ 20% (or 25% if can afford) down, you'll get very
good rate if not the best--assume income qualifies
时候再多
【在 y*******d 的大作中提到】
: 准备几个月以后买房 看到说现在必须２５％downpayment才有很好的rate。可是我们大
: 概只有２０％的downpayment。但是估计贷款几个月后会又有一些积蓄，想知道那个时候再多
: 交一部分钱，可以refinance然后重新计算rate么？ 怎么才能拿到最好的rate?谢谢
|
y*******d
发帖数: 1674 | 3 thank you very much
【在 h***b 的大作中提到】
: yes, rules are stricter but extra 5% doesn't make it too much worse.
: suggest not to count on refi due:
: a. rate could be higher then;
: b. reduction in rate may not justify closing costs unless rates drop
: meaningfully;
: c. w/ tight budget, good to have some extra cash on hand vs "all in"
: fico 740 or better & w/ 20% (or 25% if can afford) down, you'll get very
: good rate if not the best--assume income qualifies
:
: 时候再多
|
d******n
发帖数: 2712 | 4 要看到时候的rate了，一般都是做no cost refi，因为要cover cost，所以rate会比同
时期的purchase高一些的。 |
