b*d 发帖数: 9308 | 1 在加州700K差不多可以拿到4.75% 30yrs fix refinance. |
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b*d 发帖数: 9308 | 5 差不多,20%downpayment, 30yrs loan,还了5年差不多还剩13万。 |
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o***z 发帖数: 154 | 6 It is too normal, for this week, 30yr fixed 4.375% no point, no initiation
fee. |
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b*d 发帖数: 9308 | 7 Don't go to local bank, 4.875% is the best they can offer now. Try to find a
loan broker around, and he should give you 4.625% for 30yrs fix.
lady
happen |
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s***s 发帖数: 1841 | 8 what is the rate for 5/1 ARM and 30yr fixed, 600k loan? |
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l**t 发帖数: 452 | 9 原来的417k, 付了两年, 5.625。
我上周四refi,lock 4.5%, 30Yr,no cost.
好像还不错。 |
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b*d 发帖数: 9308 | 10 我给你一个Quote吧:
30yrs fix: 4.625%
20yrs fix: 4.375% |
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R********r 发帖数: 3415 | 11 会有哪些麻烦? 30yrs fix, no fee |
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b*d 发帖数: 9308 | 12 要看你的Loan Amount大概是多少,如果40万左右大概可以拿到4.5%,但是今天利率又往
上涨了一点点. |
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r******d 发帖数: 1879 | 13 每个人情况不一样。
你说一下你的房价,贷款额,是独立房还是别的,信用分数,我给你个加州的利率。 |
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l****Q 发帖数: 272 | 15 47万的房子,33万的贷款,独立房,信用分数还不知道,应该不会太低吧 |
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r******d 发帖数: 1879 | 17 我最好能给你4.625% no point no fee no impound 30 day lock. |
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r******d 发帖数: 1879 | 19 if you don't know than you don't have to know. kidding.
impound is paying your property tax and insurance from your mortgage account
monthly, instead of paying them youself twice a year (property tax), once a
year (insurance). |
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l****Q 发帖数: 272 | 20 谢谢。no point, no fee是指我们什么额外的费用也不用交,只要还贷款就好了,是吧? |
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b*d 发帖数: 9308 | 21 就是把Property Tax and home insurance和mortgage payment放在一起,每个月付给银
行. |
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l****Q 发帖数: 272 | 22 有impound可以拿到更低的rate吗? 听你这么一解释,好像我们现在的贷款就有impound.
account
a |
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r******d 发帖数: 1879 | 23 you need to pay loan interest.
吧? |
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r******d 发帖数: 1879 | 25 you should pay nothing else. |
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b*d 发帖数: 9308 | 26 对,有impound会帮助你拿到更好的利率,因为对银行来说风险小了一些.
impound. |
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a****a 发帖数: 5374 | 27 我在NY.下面是我的GFE,closing cost有3000多。合理吗?我是28万loan,给的4.5/30年。
800:
processing fee: 695
underwriting fee: 650
1102 closing fee: 600
1104 Lender's title insurance: 1295
1202 recording fee: 250
1206 cema: 300 |
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b*d 发帖数: 9308 | 28 另一个选择是Refi成4.625% 30yrs fix no cost refi,这样就不用担心5年后了。
refi
refi |
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s*****g 发帖数: 237 | 29 up~
贴一下俱乐部说明~
谢谢。
信息共享, 互相帮助。
讨论房屋贷款和refinance相关问题。
Information is provided by California licensed and experienced loan agent.如
果想知道更为准确的quote,请发出或者pm我你的loan amount, house value, SFR or
PUD or Condo, primary residence or investment, your credit score if you know
, interested program (15yr 30yr or 5yrARM or any other).I can quote more
accurately. |
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F*******n 发帖数: 89 | 30 Loan Amount是417K,current rate是4.875% Fixed 30yr。下个月(8月1号)是第一个
payment,请问现在可以做Refinance吗? 最低的rate能拿到多少?
还有请问refi 的closing是不是要重新做title insurance和home insurance? |
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b*d 发帖数: 9308 | 31 Yes, you should get 4.375% 30yrs fix for a purchase loan. 4.75% is way too
high. |
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b*d 发帖数: 9308 | 33 不是很好,我可以给你个Estimate,我的电话是:626-893-9760。 |
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b*d 发帖数: 9308 | 34 4.375% 20yrs fix or 4.625% 30yrs fix. |
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d********g 发帖数: 10550 | 35 新房purchase,143k loan amount,fee ~1.1k + $450 appraisal + $325 recording
+ title insurance + homeowners insurance (这两个都自己找)
感觉还不错,昨天中午打电话lock的,正好是最低的时候。July 1好像也出现过一次
closing之前如果rate降幅不小于0.25%,有一次免费relock机会
credit score给我算的728,问了下我这家是740一个档,720-740一个档,不过能拿的
rate都是一样的,所以也相当于拿到了最低rate
LA州(不是L.A.) |
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b*d 发帖数: 9308 | 36 Lock的不错, 非常好的Deal. 看样子利率要开始往上涨了.
recording |
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R*****8 发帖数: 7056 | 37 昨天银行的人给我打电话说,今天利率要涨,问我lock不
我拿会忙,说打回去
后来忙着就忘了,555
不过就是5%和4.625%的区别,还要350刀refinance手续费
罢了罢了 |
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b*d 发帖数: 9308 | 39 他们说的是一周平均,我们看的是当天和头一天比较. |
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w******y 发帖数: 2504 | 40 I think we have the same lender. |
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s********n 发帖数: 1540 | 41 本人自己的利率:
30年5.125%, $1825, including escrow
有一个银行提供如下选择:
points orgination fee p&I Payment interest rate
3.5% 1% $1,265 4% 30yr fixed
2.75% 1% $1,878 3.375% 15yr fixed
这些利率如何?我还需要再寻找马?找大银行还是小银行呢?
谢谢. |
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w******i 发帖数: 1476 | 42 最近是什么rate?
想换个broker, 原先买房子用的那个很一般. 请推荐, 谢谢!
My current loan is $417K with 5.0% 30Yr fixed. Closed last Sept. |
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b*d 发帖数: 9308 | 43 今天的利率出来了,条件符合的可以做到4.375% 30yrs fix。 |
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d*****5 发帖数: 278 | 44 条件符合的可以做到4.375% 30yrs fix。
==> you mean 'refinance' or 'purchase'? |
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s*****y 发帖数: 897 | 45 confirming loan. no point no fee. |
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a******a 发帖数: 2747 | 47 at Illinois.
also 15% mortgage at 4.00% zero points
fee is about $2000+ |
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b*d 发帖数: 9308 | 48 如果明天我Post 4.375% no cost 30yrs fix,那利率就是真的降了。 |
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s***r 发帖数: 602 | 49 看了上面置顶的文章,还是不太明白。正在找broker,联系贷款。
现在找到的最好的是 30yr fixed 4.375% no point closing cost大概是 $3000多 包
括:
Appraisals 275
Processingfee 595
Credit report 25
Tax service fee 95
Flood life of loan fee 10
Doc prep fee 200
Notary 35
Title insurance 2183
Endorsement to title-owner 150
Recording fees 160 |
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r*****e 发帖数: 7853 | 50 俺一年多以前就4.5%了,30yr fixed |
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