p***s
发帖数: 78 | 1 要refinance, 400k， condo ownership, 5/1 arm. | r******d
发帖数: 1879 | 2 Assuming it is owner occupied, LTV 75% or less, FICO 740+, today you can do
2.625 for 5 yrs ARM, no cost.
【在 p***s 的大作中提到】
: 要refinance, 400k， condo ownership, 5/1 arm.
| f*******5
发帖数: 1815 | 3 how about super conforming?
we re-financed last year, loan 650K, house value 1M, FICO 750, last year 5
/1 ARM 3.25,
can we re-fi to better rate? I heard super-conformation now cap at 620K,
does this mean we have to pay $30K to get re-financed again? | r******d
发帖数: 1879 | 4 5Yr ARM rate for non-conforming loans between 625K and 1M is very good if
following is satisfied
- 12 months PITI cash reserve or 60% stock value
- max DTI 40
- max LTV 80
5Yr ARM rate is 2.875-3.0 recently
5
,
【在 f*******5 的大作中提到】
: how about super conforming?
: we re-financed last year, loan 650K, house value 1M, FICO 750, last year 5
: /1 ARM 3.25,
: can we re-fi to better rate? I heard super-conformation now cap at 620K,
: does this mean we have to pay $30K to get re-financed again?
| j********i
发帖数: 913 | 5 If you make the loan amount at $625.5K,
5/1 ARM--2.625%, no points, no costs, with Impound;
-- 2.75%, no points, no ocsts, No Impound.
We can close the loan easily with PF within 20-30 days.
5
,
【在 f*******5 的大作中提到】
: how about super conforming?
: we re-financed last year, loan 650K, house value 1M, FICO 750, last year 5
: /1 ARM 3.25,
: can we re-fi to better rate? I heard super-conformation now cap at 620K,
: does this mean we have to pay $30K to get re-financed again?
| h**q
发帖数: 174 | 6 500k的loan呢? 5/1arm和15年的fix可以做到多少?
【在 j********i 的大作中提到】
: If you make the loan amount at $625.5K,
: 5/1 ARM--2.625%, no points, no costs, with Impound;
: -- 2.75%, no points, no ocsts, No Impound.
: We can close the loan easily with PF within 20-30 days.
:
: 5
: ,
| j********i
发帖数: 913 | 7 Super conforming--- $417K--$625.5K,
LTV < 75%, -- 5/1 ARM--2.625% (impound) or 2.75% (no impound), no points, no
costs.
LTV < 80% --- 15-year fixed--3.125% (impound) or 3.25% (no impound), no
points, no costs.
The lender is PF,so there are following restrictions:
1) single family house--if it is Townhouse, has to fit the single family
house code;
2) US citizen or Greencard holder;
3) Without any unpermitted construction in your house, such as bathroom,
storage room, etc;
4) If your current loan is already with PF, Funding to funding has to be
over 6 months.
如果你符合以上条件， PF 非常好做， 20-30天close 一个loan 对我们来说是小菜。
我们 YTD （4/16/2012） 已经funding 了 over $120 million， 正在funding 和
underwriting的 至少还有 $60Million。 我有4个一流Processor高手在做PF,我给每个
高手都配有 assistant， underwriter 看到我们的loan 就眉开眼笑， 因为我们已经
破译了 PF的所有机关。
我在这里还给大家吃如下定心丸：
1） 如果 我们 offer 的利息做不下来， Appraisal fee ($435) -- 100% 返还；
2） 如果突然丢工作做不成贷款--精算子100% 返还 appraisal fee ($435)--
人有旦夕祸福， 谁都有个困难的时候；
【在 h**q 的大作中提到】
: 500k的loan呢? 5/1arm和15年的fix可以做到多少?
| n****n
发帖数: 568 | 8 30 years H1B的话能做到多少？如果no point no cost的话
no
【在 j********i 的大作中提到】
: Super conforming--- $417K--$625.5K,
: LTV < 75%, -- 5/1 ARM--2.625% (impound) or 2.75% (no impound), no points, no
: costs.
: LTV < 80% --- 15-year fixed--3.125% (impound) or 3.25% (no impound), no
: points, no costs.
: The lender is PF,so there are following restrictions:
: 1) single family house--if it is Townhouse, has to fit the single family
: house code;
: 2) US citizen or Greencard holder;
: 3) Without any unpermitted construction in your house, such as bathroom,
| l*******7
发帖数: 93 | 9
30 years fix H1 B can get 3.99% no point and no fee . loan amount i s417K-
625K
thanks alot
【在 n****n 的大作中提到】
: 30 years H1B的话能做到多少？如果no point no cost的话
:
: no
| j********i
发帖数: 913 | 10 Suntrust 吧？ 据慢， 还不保险，他们的rate 不 consistent， 说改就改， 还不如
做Wells Fargo, 很轻松， 4.0% 和 3.99% 其实就基本没太大区别， 听起来好听而已
。上过Suntrust
的大当， 所以 送你一句忠告。
除非非做 7/1 --才送Suntrust， 他们的利息不比 PF 差， 还不需要 impound.
【在 l*******7 的大作中提到】
:
: 30 years fix H1 B can get 3.99% no point and no fee . loan amount i s417K-
: 625K
: thanks alot
| | | h**q
发帖数: 174 | 11 郁闷, 我们是去年12月底做的pf, 是不是就没戏了?
no
【在 j********i 的大作中提到】
: Super conforming--- $417K--$625.5K,
: LTV < 75%, -- 5/1 ARM--2.625% (impound) or 2.75% (no impound), no points, no
: costs.
: LTV < 80% --- 15-year fixed--3.125% (impound) or 3.25% (no impound), no
: points, no costs.
: The lender is PF,so there are following restrictions:
: 1) single family house--if it is Townhouse, has to fit the single family
: house code;
: 2) US citizen or Greencard holder;
: 3) Without any unpermitted construction in your house, such as bathroom,
| r******d
发帖数: 1879 | 12 You have to wait for 180 days if you want to refiance with PF again.
【在 h**q 的大作中提到】
: 郁闷, 我们是去年12月底做的pf, 是不是就没戏了?
:
: no
| b********8
发帖数: 24 | 13 Loan amount 417k-625k, 75% LTV, 5/1 ARM can do 2.625% with NO IMPOUND NO
COST. IMPOUND can do 2.5%
5
,
【在 f*******5 的大作中提到】
: how about super conforming?
: we re-financed last year, loan 650K, house value 1M, FICO 750, last year 5
: /1 ARM 3.25,
: can we re-fi to better rate? I heard super-conformation now cap at 620K,
: does this mean we have to pay $30K to get re-financed again?
| b********8
发帖数: 24 | 14 H1B, 30 YR FIXED 500K, 3.875% WITH IMPOUND
【在 n****n 的大作中提到】
: 30 years H1B的话能做到多少？如果no point no cost的话
:
: no
| h**q
发帖数: 174 | 15 去年12月底做的pf, 你现在这个还能做吗>
【在 b********8 的大作中提到】
: Loan amount 417k-625k, 75% LTV, 5/1 ARM can do 2.625% with NO IMPOUND NO
: COST. IMPOUND can do 2.5%
:
: 5
: ,
| b********2
发帖数: 5191 | 16 再等等一个半月就可以锁了, 30天close刚好六个月.
【在 h**q 的大作中提到】
: 郁闷, 我们是去年12月底做的pf, 是不是就没戏了?
:
: no
| b********2
发帖数: 5191 | |
|
