d***e
发帖数: 193 | |
N**********8
发帖数: 122 | 2 Most of the mortgage company need 20% down payment.
【在 d***e 的大作中提到】
: 20%吗？谢谢
|
c****8
发帖数: 407 | 3 You need 20% to get a good deal on rates.
Less than 20% is possible, but you need to pay extra. |
k****y
发帖数: 4083 | |
c********n
发帖数: 731 | 5 20% for conventional loan without upfront MPI and Monthly MPI
Less than 20% for FHA with upfront MPI and monthly MPI
25% minimum for investment property |
z*****x
发帖数: 2370 | 6 请问fha loan是不是给特定人群才available的？
【在 c********n 的大作中提到】
: 20% for conventional loan without upfront MPI and Monthly MPI
: Less than 20% for FHA with upfront MPI and monthly MPI
: 25% minimum for investment property
|
c********n
发帖数: 731 | 7 H1b is OK, doubt about J1. Property needs to be FHA approved. If you are
buying a condo, the condo community needs to be FHA approved which means its
rent/own ratio is no more than certain percentage. If appraised value is
lower than transaction value, FHA won't approve.
【在 z*****x 的大作中提到】
: 请问fha loan是不是给特定人群才available的？
|
z*****x
发帖数: 2370 | 8 多谢。。。我以前以为是低收入的福利
its
【在 c********n 的大作中提到】
: H1b is OK, doubt about J1. Property needs to be FHA approved. If you are
: buying a condo, the condo community needs to be FHA approved which means its
: rent/own ratio is no more than certain percentage. If appraised value is
: lower than transaction value, FHA won't approve.
|
k****y
发帖数: 4083 | 9 i heard wells fart requires 25% even for primary residential to get best
rate?
【在 c********n 的大作中提到】
: 20% for conventional loan without upfront MPI and Monthly MPI
: Less than 20% for FHA with upfront MPI and monthly MPI
: 25% minimum for investment property
|
c********n
发帖数: 731 | 10 that could be true. Big banks are less motivated to process a loan than
buying a loan directly from loan broker. Broker can give you good deals
【在 k****y 的大作中提到】
: i heard wells fart requires 25% even for primary residential to get best
: rate?
|
|
|
p******y
发帖数: 3523 | 11 20% down就不需要付mortgage insurance。对于15年固定或是10年固定来说，不会影响
rate。
25% down对于15年以上term的贷款才不会因为loan to value的比例而影响rate.
此外,condo需要25% down才能拿到好的rate.
如果是买投资房,也需要至少25% down. |
k****y
发帖数: 4083 | |
c********n
发帖数: 731 | 13 NJ ARM is 417K traditional, second loan rate higher than that.
【在 k****y 的大作中提到】
: how about arm?
|
k****y
发帖数: 4083 | 14 there's no jumbo arm in nj? i heard now almost impossible to get second
loan
【在 c********n 的大作中提到】
: NJ ARM is 417K traditional, second loan rate higher than that.
|
c********n
发帖数: 731 | 15 yes there is jumbo. second mortgage is fine. |
k****y
发帖数: 4083 | 16 so for jumbo arm, need 20% to get best rate? |
