n*******9
发帖数: 3244 | 1 tell me why you want buy? what is your goal for 3, 5 and 10yrs? |
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c******l
发帖数: 502 | 2 If you do 15 yrs or 10yrs ref, it doesn't matter. You can get the best rate |
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n*******9
发帖数: 3244 | 3 what about next 10yrs?! Think about 2020. 老莫is going to take over south. |
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q********5
发帖数: 218 | 4 I am monitoring the 10yr bond yield. There are three possibilities in the
near future:
up
hold
down
Although I hope it will be down. All those economists are saying opposite. |
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K****z
发帖数: 405 | 5 The market has improved. Please check our 10yr Fixed, it's extremely
competitive. You're welcome to give Kelly a call 630-215-7770, or email
k********[email protected] to get a rate quote. Thanks.
========================= Illinois ===========================
05/13/2011
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM
4.625 3.75 4.5 3.375 3.000
Rates above are based on the following assumptions:
1. Loan Amount: $300K<=$417K
2. Loan-To-... 阅读全帖 |
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t********r
发帖数: 847 | 7 刚去第一次看了Open House,看得晕乎乎的，也去网站看了看，但基本概念不清，请教
一下大家！
1. 看到路边AD "$400-$2million",请问是 1 sq.ft的价钱吗？这个sq.ft怎么算的？是
“房子+车库+院
子”的面积？还是“房子的使用面积”？还是“房子的使用面积+车库+院子”？
2. eg. $249,900 (5 beds, 3&1/2 baths, 3265 sq ft)
Lot Size: 8280
请问这个“Lot size”是否指后院儿的面积？含车库、房子面积不？
3. 请问mortgage的首付比例及年限是否可以自选？ eg.50%downpay for 10yrs
或是只能5% or 20% 首付 for 15 yrs or 30yrs
先感谢大家了！ |
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K****z
发帖数: 405 | 8 The market has improved. Please check our 10yr Fixed, it's extremely
competitive. You're welcome to give Kelly a call 630-215-7770, or email
k********[email protected] to get a rate quote. Thanks.
========================= Illinois ===========================
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM
4.5 3.75 4.375 3.25 3.000
Rates above are based on the following assumptions:
1. Loan Amount: $300K<=$417K
2. Loan-To-Value (LTV):... 阅读全帖 |
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R***U
发帖数: 1860 | 9 感觉向下的空间不大。
上升的risk挺高，主要是credit risk... |
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b*d
发帖数: 9308 | 10 还是再降降吧，大家已经习惯了4.375% 30yrs了。 |
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j**y
发帖数: 147 | 12 It's not always true. In the volatile market, the bank is increasing the
margin, and the rate didn't drop a lot or kept the same although we see 10yr
yield has a big down today. I can
see this trend from today's rate. |
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B****n
发帖数: 1523 | 14 有栋房子特地说它是HVAC系统，不懂，原来看房子也没注意。
一般新一点儿的（<10yr or <20yr)房子，说Gas Heating, Hot Air Heat,
Central Air的房子都是HVAC吗？ |
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p*******n
发帖数: 4824 | 15 Wait! 现在lock没有意义啊，周末rate不会变了。你周一早上看看10yr yield，如果涨
了再说么。。。 |
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p*******n
发帖数: 4824 | 16 我和问wells fargo做的loan，他们10点钟更新rate，然后早上10yr yield在9点就可以
看到了，如果比前一天收盘的低，就放心的觉得loan不会涨，就不lock。。。
我这么干了几天，能拿到的credit从$500上升到$1650。。。后来看到某天涨了，就赶
紧在10点钟前lock了。 |
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b*****g
发帖数: 662 | 17 这样啊，很有用啊，10yr yield哪里能看到呢？
也就是说我应该在10点前作出lock的决定了？ |
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e***h
发帖数: 483 | 18 请问这个10yr yield在哪里看？
9点钟是东部时间？还是按当地时间？
如果不在wells fargo做，这个方案还可行吗？
谢谢 |
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m*f
发帖数: 8162 | 19 10yr yield去年到过2.4之类的，今年很有可能还会出现。 |
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k******o
发帖数: 3328 | 20 大家討論的恨積極嘛，這個東西一定要結合客人的具體情況具體分析。
基本上 30yr fixed,前20yr大部分时间都这付interest,后10yr刚开时大量还本金。我一班不建意我的客人refin 如果还有<10 yr for 30 year fixed, 除非 rate 降的太离铺啦。
孔之语“君子生财有道”。
我會在我的俱樂部po相關文章，歡迎大家一起討論，增加知識哈。 |
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k******o
发帖数: 3328 | 22 基本上 30yr fixed,前20yr大部分时间都这付interest,后10yr刚开时大量还本金。我
一班不建意我的客人refin 如果还有<10 yr for 30 year fixed, 除非 rate 降的太离
铺啦。
我會在我的俱樂部post相關文章，歡迎大家一起討論，增加知識哈。
下？ |
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a****g
发帖数: 286 | 23 Can I ask what's the relationship between mortgage rate and yield of 10yr
bonds?
势。 |
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M********I
发帖数: 848 | 24 其实利率和很多因素相关。没有单一的线性关系。趋势和10yr bonds 的yield相同。
不过最近股市涨跌和贷款利率的相关性比较明显，基本是股市涨，利率涨，股市跌，利
率跌。所以这个预测，更确切的说是对股市大势的预测。
要是我能把这个预测准了，我就不做代理了，直接大隐隐于股市了。
我贴出来，还是认为这个走势的可能性要高一些。
那么最近要做refinan的，就要考虑先把材料准备好，不要到时候有低利率却锁不了。
如果预期的低利率没出现，准备材料的损失怎么都比错过低利率的损失小啊 |
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n*******9
发帖数: 3244 | 25 if you know for sure that you are going to pay off your loan within 7-10yrs,
a 7yr ARM or a 15yr fixed will be good. |
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t****u
发帖数: 8614 | 26 这个是扯淡，您老人家可以自己按照10yr fixed的schedule还5/1 ARM。 |
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p******y
发帖数: 3523 | 27 受很多因素影响，10yr bond（yield），MBS指数，但不是说10 Yr yield跌到几，或是
MBS涨到几，rate都一定是多少的。
一般讲股市跌的时候rate会好些，股市涨的时候rate会变差。不过，如果不过是0.125%
到0.25%的区别，不需要太执着。 |
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N*******s
发帖数: 27 | 28 Thank you for your response. But I'm confused. So there is no 3year
adjustable loan? and 15yr and 10yr fixed don't get impacted by credit score?
than |
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t******r
发帖数: 78 | 29 趁着现在的低利率，想将房子贷款 refinance成10yr or 15yr fixed rate loan. 求
推荐agent信息。希望no cost refinance. 房子在纽约上州。
多谢了先！ |
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c********1
发帖数: 78 | 30 在湾区，这个收入都撑1M以上的贷款了。现在利率低，10yr arm 25% down，都只有2.5
%。完全没问题。 |
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c********1
发帖数: 78 | 31 不是每天的利率都变的。如果股市或者10yr bond波动比较厉害，一天可能变很多次。
有时候变好有时候变坏。 |
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r*******y
发帖数: 290 | 32 You should.
You won't live there for 30 years. I am almost sure about that.
The national average life of a mortgage is about 10yrs. |
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b*f
发帖数: 3154 | 33 Check the manufacturing date or expiration date on each detector, and if not
expired or within 10yrs of manufacturing date, test it with the test button
. If not expired and test works, keep them. Otherwise you will have to
replace them. |
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b******y
发帖数: 1684 | 34 这么有钱，可以直接上commercial property了。最大的好处是你不需要管理。
For example, 7-eleven at some great metros such as Dallas,
10yr lease + 3*5yr options, 5.5% initial CAP,
10% rent increase every 5 yrs,
is almost the most conservative commercial real estate investment. |
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s**********a
发帖数: 3273 | 35 跟利率最直接相关的是 MBS 和两房的债券。
往下一层是 10yr treasury bonds.
在下一层是经济，当然也就会和股市扯上关系。 |
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a***n
发帖数: 1616 | 37 明白，不过现在很多大银行都不卖给两房了，自己做。
所以刷了重新做的灵活度很高。
偶也不想三番五次改来改去，那样偶得tier也会被降低。。。
偶15年2.75，掉到多少值得改lock？现在似乎应该可以拿到2.625？
这样吧，10yr treasury利率掉到多少算合适，1.8? 1.6? 时限一个月。
系, |
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n*******9
发帖数: 3244 | 38 this is a very good one if you can get the rent as you said ($2200/month).
Use 30yr fixed or 7yr ARM unless you want to live there within 10yrs. as
rule of thumb, never use 15yr loan on investment property! |
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N**N
发帖数: 1713 | 39 怕到时候利率如果涨的多了，refi之后还是不如10yr arm好，不知道这个有没道理
另外看网上的利率，这几周是不是涨了点？
月初的时候，10/1 amr, 7/1 arm, 15 yr fixed网上（zillow）能看到的最好利率都在
2.5左右，现在好像都2.625起了 |
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r******d
发帖数: 1879 | 40 That is true.
People used to choose 5/7 yrs ARM before due to the rate is a lot better for
5/7 yrs ARM. 5/7 arm used to be as low as 2.25%-2.5%. But lately rate has
jumped up a lot and 5/7/10 yrs ARM didn't have BIG significant different.
ie, for same conditions today, 3.25% is 5 yrs ARM, 3.375% is 7 yrs ARM and
3.625% is 10 yrs ARM.
Assuming your loan amount is 400K/LTV75%/FICO 740+
10yrs ARM monthly mortgage will be around $80 more than the 5yrs ARM, and $
56 more than 7yrs ARM. |
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r******l
发帖数: 30 | 41 1. If you only:
A. plan to live in this house for 5~6 yrs,
B. Will pay off your loan in 5~6 yrs.
C. You have to lower your monthly payment due to your income.
The best way is 5/1 ARM.
2. I you will live in this house more than 10 yrs and can not pay off your
loan in a short time(<6yrs), the best way is 30 yr fix, and the rate is not
high now (about 4%),
3. If you have a good income can handle higher monthly payment, the best way
is 15yr fix even 10yr fix no matter how long you wil... 阅读全帖 |
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v********e
发帖数: 1985 | 43 Only fixed for first 5 or 10 years. Then it might go up. |
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y**********a
发帖数: 733 | 44 能不能在中间做refinance变成15年的？ |
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k***a
发帖数: 2400 | 45 refi只要过了lender的minimum period就可以做，一般4-10个月。每个lender要求不同。 |
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