w**********9
发帖数: 50 | 1 I will lock 3.5 % 30-year fixed for 330k loan.
The closing cost including all will be about 1.5% of the home price.
The broker said I am in H1 visa he can not get a lower rate for me.
Is it a reasonable rate? I still have 2-3 weeks to lock the rate. How will
be the rate going in next two weeks? |
o*****p
发帖数: 5952 | 2 不是所有银行接受H1B。
closing cost 有点高，买点吗？
【在 w**********9 的大作中提到】
: I will lock 3.5 % 30-year fixed for 330k loan.
: The closing cost including all will be about 1.5% of the home price.
: The broker said I am in H1 visa he can not get a lower rate for me.
: Is it a reasonable rate? I still have 2-3 weeks to lock the rate. How will
: be the rate going in next two weeks?
|
w**********9
发帖数: 50 | |
o*****p
发帖数: 5952 | 4 有escrow or impound account 吗？
【在 w**********9 的大作中提到】
: no point
|
b********2
发帖数: 5191 | 5 只有一家不做H1B, 就是PF. 其它lender应该是都做的.
您应该比较相同条件下lender rebate是多少.
【在 w**********9 的大作中提到】
: I will lock 3.5 % 30-year fixed for 330k loan.
: The closing cost including all will be about 1.5% of the home price.
: The broker said I am in H1 visa he can not get a lower rate for me.
: Is it a reasonable rate? I still have 2-3 weeks to lock the rate. How will
: be the rate going in next two weeks?
|
c*******d
发帖数: 1197 | 6 和偶们纽约州这边比,真便宜啊,看着流口水. 我这边 38万,新房, 3.625 30年fix, 我
现在quote到的closing cost要1万多点. |
w**********9
发帖数: 50 | 7 Sorry, what do you mean?
The closing cost includes title insurance and escrow fee.
【在 o*****p 的大作中提到】
: 有escrow or impound account 吗？
|
b*d
发帖数: 9308 | 8 escrow account是指把property tax payment加到mortgage payment里面去。
【在 w**********9 的大作中提到】
: Sorry, what do you mean?
: The closing cost includes title insurance and escrow fee.
|
p******y
发帖数: 3523 | |
g*q
发帖数: 26623 | 10 origination fee到底是多少? 其他closing cost跟贷款无关. |
w**********9
发帖数: 50 | 11 The broker can not lock the ratebecause of higher rate yesterday. |
b*******u
发帖数: 481 | 12 Me too, in NY. Closing cost is more than 10K. Title insurance is the most
expensive part, followed by mortgage tax.
【在 c*******d 的大作中提到】
: 和偶们纽约州这边比,真便宜啊,看着流口水. 我这边 38万,新房, 3.625 30年fix, 我
: 现在quote到的closing cost要1万多点.
|
I******A
发帖数: 426 | 13 H1B的利率是高一点,但3.5还是个不错的rate.
这两天３０YR FIX的利率降了点，可以去参考LIVING上的利率提示贴．
【在 w**********9 的大作中提到】
: I will lock 3.5 % 30-year fixed for 330k loan.
: The closing cost including all will be about 1.5% of the home price.
: The broker said I am in H1 visa he can not get a lower rate for me.
: Is it a reasonable rate? I still have 2-3 weeks to lock the rate. How will
: be the rate going in next two weeks?
|
a***n
发帖数: 1616 | 14 Me 3, Title insurance (lender + owner)加起来都快7千了，Mortgage tax再5千，
寡这俩就1w2了，再加recording，一年保险，和appraisal其他杂项，怎么招也要1w5/6。
【在 b*******u 的大作中提到】
: Me too, in NY. Closing cost is more than 10K. Title insurance is the most
: expensive part, followed by mortgage tax.
|
