c********m
发帖数: 571 | 1 thinking about refinance
will the rate continue down?
should wait a little bit? |
h***b
发帖数: 1233 | 2 rates will go up or down and you can't forecast where the top or bottom.
best is to look at the situation and decide whether a refi will benefit you.
:p
in CA, 30-yr refi rate is as low as 4%, 15-yr @ 3.375%... check out my club
postings for details.
【在 c********m 的大作中提到】
: thinking about refinance
: will the rate continue down?
: should wait a little bit?
|
c********m
发帖数: 571 | 3 Thanks for the info. :-)
you.
club
【在 h***b 的大作中提到】
: rates will go up or down and you can't forecast where the top or bottom.
: best is to look at the situation and decide whether a refi will benefit you.
: :p
: in CA, 30-yr refi rate is as low as 4%, 15-yr @ 3.375%... check out my club
: postings for details.
|
k******o
发帖数: 3328 | 4 Even Mr. Bill Gross, the co-chief investment officer of Pacific Investment
Management Co (PIMCO) miscalculated the price (interest rate) trend of US
Treasure Bond in the past few months, resulting his flagship PTTRX's not-so-
outstanding performance.
In short, no one could predict the interest rate (mortgage rate) correctly
and consistently in the long run.
Disclosure: I hold shares of PIMCO Total Return Inst CL (PTTRX), the largest
mutual (bond) fund by asset.
http://en.wikipedia.org/wiki/List_of_US_mutual_funds_by_assets_
http://www.bloomberg.com/news/2011-06-09/gross-says-no-regrets-
【在 c********m 的大作中提到】
: thinking about refinance
: will the rate continue down?
: should wait a little bit?
|
a*********a
发帖数: 68 | 5 I just bought my house at 4.375%. Is it worth refinancing? I am at CA. |
k******o
发帖数: 3328 | 6 Today's 30 year fixed is 4.000% in CA if you meet certain requirement.
If you just purchased your house, even 0.25% drop is worth refinancing,
given this is truly No Point No Free Refinancing.
You are welcomed to join my club by clicking my name and search for it.
【在 a*********a 的大作中提到】
: I just bought my house at 4.375%. Is it worth refinancing? I am at CA.
|
a*********a
发帖数: 68 | 7 Thanks.. What kind of requirements? I heard you have to pay for the
appraisal fee no matter what. Is that true? |
k******o
发帖数: 3328 | 8 Assume Primary Residence, Single Family Residence
740+ FICO Credit Score, LTV ≤ 75%, 19 day rate lock, impound account
Conventional Conforming loan ≥ $380K, Jumbo Conforming Loan ≥ $580K.
the appraisal fee is covered.
BTW, if your loan is 15 years fixed, you only need LTV <= 80% and FICO > =
660 (around).
【在 a*********a 的大作中提到】
: Thanks.. What kind of requirements? I heard you have to pay for the
: appraisal fee no matter what. Is that true?
|
h***b
发帖数: 1233 | 9 many times, these fund managers do things differently than what's said in
public. gov't filings of fund holdings can have min 3-6 mo delay... by the
time you find out, the fund could have changed position already. :p
or how else the funds can make money? remember the panic selling in March
of 2009? turned out it was the "absolute" lowest point of the crash... i
remember Cramer was saying mkt would head lower still on CNBC. don't trust
the mass media--rather, only a small group can make money at the expense of
the mass unfortunately.
so-
largest
【在 k******o 的大作中提到】
: Even Mr. Bill Gross, the co-chief investment officer of Pacific Investment
: Management Co (PIMCO) miscalculated the price (interest rate) trend of US
: Treasure Bond in the past few months, resulting his flagship PTTRX's not-so-
: outstanding performance.
: In short, no one could predict the interest rate (mortgage rate) correctly
: and consistently in the long run.
: Disclosure: I hold shares of PIMCO Total Return Inst CL (PTTRX), the largest
: mutual (bond) fund by asset.
: http://en.wikipedia.org/wiki/List_of_US_mutual_funds_by_assets_
: http://www.bloomberg.com/news/2011-06-09/gross-says-no-regrets-
|
s***g
发帖数: 820 | 10 买房有一个月了，好像带矿有4个月 不能重新贷款。 现在利率低，如果强行重新带矿
，有什么后果？ |
h***b
发帖数: 1233 | 11 那你带的是金矿还是银矿？ :p
其实你当初如果是跟 retail bank 带的矿，不需要等4个月。
【在 s***g 的大作中提到】
: 买房有一个月了，好像带矿有4个月 不能重新贷款。 现在利率低，如果强行重新带矿
: ，有什么后果？
|
s***g
发帖数: 820 | |
b**2
发帖数: 519 | 13 对你没有坏处,就是上个Broker的commission要退回去.
【在 s***g 的大作中提到】
: 买房有一个月了，好像带矿有4个月 不能重新贷款。 现在利率低，如果强行重新带矿
: ，有什么后果？
|
