s**m
发帖数: 1564 | 1 Since my 15 yr 2.625% no cost refinance was messed up back in May by a
mortgage broker (she said she locked the rate but she did not lock and was
playing/gambling a rate trend trick on me and then was busted by market),
the rate went up a lot and just came down to a rate comparable though not as
good. although there will be several major report releases in the middle of
next week that would affect mortgage a lot. the rate would go down more
likely than not. However I don't want to miss this current offer from penfed.
5/5 ARM 2.625%
https://www.penfed.org/55-Adjustable-Rate-Mortgage/
If anyone can beat this offer, please let me know ASAP. I am in WA and am
looking for refinance. (210K loan, ARM or 15 yr, no cost, lowest rate since
I plan to pay it off in 5-6 years).
p.s.
1. how long will the promo be good?
2. need penfed membership to get this promo? Seems not. Anyone can confirm? |
o*****p
发帖数: 5952 | 2 这是APR吗？
as
of
penfed.
【在 s**m 的大作中提到】
: Since my 15 yr 2.625% no cost refinance was messed up back in May by a
: mortgage broker (she said she locked the rate but she did not lock and was
: playing/gambling a rate trend trick on me and then was busted by market),
: the rate went up a lot and just came down to a rate comparable though not as
: good. although there will be several major report releases in the middle of
: next week that would affect mortgage a lot. the rate would go down more
: likely than not. However I don't want to miss this current offer from penfed.
: 5/5 ARM 2.625%
: https://www.penfed.org/55-Adjustable-Rate-Mortgage/
: If anyone can beat this offer, please let me know ASAP. I am in WA and am
|
s**m
发帖数: 1564 | 3 2.625% is rate not apr.
arm apr is hard to compare, different banks/brokers may use different
definitions
【在 o*****p 的大作中提到】
: 这是APR吗？
:
: as
: of
: penfed.
|
o*****p
发帖数: 5952 | 4 无费用重贷apr=rate.
【在 s**m 的大作中提到】
: 2.625% is rate not apr.
: arm apr is hard to compare, different banks/brokers may use different
: definitions
|
s**m
发帖数: 1564 | 5 but for ARM, rate would be adjusted after a # of years.
then what rate would you use as APR?
【在 o*****p 的大作中提到】
: 无费用重贷apr=rate.
|
b********2
发帖数: 5191 | 6 广告里说的很清楚, APR 3.116%, 而且下面小字中对loan amount还有一定的要求.
您可以参考一下我的loan club里的rate, 基本也算是最低了.不过是在加州. |
o*****p
发帖数: 5952 | 7 刚开始的rate, 无费用重贷最好能做到2.99%.
EAD OK, H1B OK, condo OK.
http://www.mitbbs.com/clubarticle_t/SoCalMortgageRealty/289181.
【在 s**m 的大作中提到】
: but for ARM, rate would be adjusted after a # of years.
: then what rate would you use as APR?
|
I******s
发帖数: 223 | 8 这个不是no cost的 offer，你自己要付closing cost，以你的贷款额，如果LTV<=60%,
我们可以做到2.5%。如果要no cost的offer我们可以做到2.875%。 |
s**m
发帖数: 1564 | 9 ARM APR is not only affected by closing cost, but also by current index and
margin. Because rate will be adjusted, the future is uncertain. So ARM APR
is estimated. Even if ARM loan has no closing cost, the ARM APR is hardly be
the same as original rate. In fact, ARM APR can be lower than rate (when
current index plus margin is lower than the original rate). So a higher ARM
APR does not mean it is due to closing cost.
【在 b********2 的大作中提到】
: 广告里说的很清楚, APR 3.116%, 而且下面小字中对loan amount还有一定的要求.
: 您可以参考一下我的loan club里的rate, 基本也算是最低了.不过是在加州.
|
o*****p
发帖数: 5952 | 10 只要重贷你不付clising cost就可以了。至于N年后利率谁都不知道，uncertain in
nature.
and
be
ARM
【在 s**m 的大作中提到】
: ARM APR is not only affected by closing cost, but also by current index and
: margin. Because rate will be adjusted, the future is uncertain. So ARM APR
: is estimated. Even if ARM loan has no closing cost, the ARM APR is hardly be
: the same as original rate. In fact, ARM APR can be lower than rate (when
: current index plus margin is lower than the original rate). So a higher ARM
: APR does not mean it is due to closing cost.
|
s**m
发帖数: 1564 | 11 Just called PenFed mortgage line and was told it will cover:
application fee
credit report
flood cert
lender title
transfer
settlement
and another fee I cannot remember
following are not covered.
point
interest
escrow (tax, insurance)
%,
【在 I******s 的大作中提到】
: 这个不是no cost的 offer，你自己要付closing cost，以你的贷款额，如果LTV<=60%,
: 我们可以做到2.5%。如果要no cost的offer我们可以做到2.875%。
|
s**m
发帖数: 1564 | 12 thanks. just called and confirmed it.
【在 o*****p 的大作中提到】
: 只要重贷你不付clising cost就可以了。至于N年后利率谁都不知道，uncertain in
: nature.
:
: and
: be
: ARM
|
I******s
发帖数: 223 | 13 对不起，没仔细看下面的小字， 是offer cover closing costs， 只是他们说的贷款
额是400k，你可以打电话看你的loan amount 能不能拿到这个offer， 如果能的话，
是个不错的选择。 |
