b*d
发帖数: 9308 | 1 You need to make sure your current loan is with Fannie Mae or Freddie Mac,
so you can take the advantage of the 'Making Home Affordable' program.
If you want, you can send me the address, and I can check it for you. |
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a******a
发帖数: 2747 | 2 350K cash is the king now
有人400k+ cash in hand, 口水留了一地 |
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A*****8
发帖数: 1948 | 3 多借一点不知道会不会低一点,我其实还有350K的loan,只不过想pay down到300K |
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d**s
发帖数: 1255 | 4 30 y fix, no fee, what's the rate for 350K you can offer, impound or w/o
impound ? |
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d*****n
发帖数: 61 | 5 30 year fixed 4.25% +2.5k closing cost + prepaid items in Tx
total loan $350k. credit score >750
How is it? |
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I*******i
发帖数: 6 | 6 PURCHASE LOAN 350K,能做到多少？ |
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b2
发帖数: 427 | 7 真心请教...........
现金还是贷款？将来要出租。租金收入比月供多个几百。现在收入较低，不用交税。但
考虑到将来，工
资税和租金收入税可以用贷款利息来抵，所以有点犹豫。真舍不得交利息。
所以，现金支付，现在可以省利息，攒租金，只要租金持续超过月供可抵的税，还是现
金支付好过贷
款。
只不过是现在利率这么低，不甘心呀，总是想代点款，把买股票或者存银行，利息不能
总这么低吧？
是不是太贪了？ |
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T*********e
发帖数: 9208 | 8 出租不能抵税，不过可以当作成本计算，如果depreciation和其他cost和租金相当了，
就付现金，否则贷款。 |
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b*d
发帖数: 9308 | 9 这句话说得好：
只不过是现在利率这么低，不甘心呀！ |
|
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b2
发帖数: 427 | 11
thanks
出租是收入，不太明白“可以当作成本计”？
我现在收入低，加上租金也交不了多少税。tradeoff是现在省利息还是将来省税钱。 |
|
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h****a
发帖数: 637 | 13 抵税是瞎说,除非你hit了AMT,靠这个降AGI.抵税部分是利息.抵掉的不可能比利息多吧 |
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T*********e
发帖数: 9208 | 14 出租的话，贷款利息不是抵个人税，而是计入租房的成本里面直接减掉，不受其它限制。 |
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a******e
发帖数: 36306 | 15 official收入低。。。。。比如奸商版几个著名奸商。。。。 |
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t**f
发帖数: 2360 | 16 BSO
另外贷款利息不一定可以抵税，我们去年的利息就是白交了，算来算去还是standard
deduction好 |
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b*d
发帖数: 9308 | 17 I would say add 0.125% to the best rate for 350K+. For the restriction of
how long do you have to wait to do another refinance, please consult with
your previous loan broker, usually there is a 4-6 months restriciton.
fixed? |
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a******e
发帖数: 36306 | 18 我也觉得很奇怪。今天看到一个新贴上的short sale，房子挺新的，很好的builder修
的，学区也不错，county appraisal是310k多，现在approved short sale价格差不多
269k。这个房子我有印象的，其实4月份我就看到在卖了，那个时候肯定是超过了350k
，我因为种种原因也没去实地看过。不知道怎么就没卖出去沦落到short sale了。。。
。不过房子有个几个星期以前也许不算硬伤的硬伤，就是跟背后的房子中间有埋煤气管
道，想到加州那个爆炸，还是挺恐怖的，只能说他们命不好。 |
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d******1
发帖数: 20 | 19 银行short sale, listing price $293k, 刚从 $299K 降下来。
The own bought this house in 2006 at $360K
出价多少才合理呢？我们在midwest,房价相对波动范围比较窄.
有经验的请指点。因为short sale的房子动不动就拖几个月。
另，前两天另一幢房子（not short sale, owner bought $390k in 2006) 要价$350k,
我们出价$300K,希望成交价在$320-$330K。结果人家拒绝counter back. 给郁闷了一下
。 |
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b*d
发帖数: 9308 | 20 Short Sale我的客人一般出价比Listing Price低3%-5%。当然Short Sale本身的成功率
就不是很好，所以不要期望太高了。
350k, |
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b***n
发帖数: 13455 | 21 when I made my offer, I offered 5K more. Later we learned there were 6
offers, 4 of full price, and 2 of 5K more, and the seller took mine
350k, |
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n*******9
发帖数: 3244 | 22 the key for short sale offer is to find out how much the current owner is
owning and how many lien holders involved. if there are more than one lien
holders, simply forget about it. typically the lien hold will consider
offers no less than 80% of what is owning. less than that, the lien holder
will more likely to foreclose the property. good luck.
350k, |
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b*d
发帖数: 9308 | 23 欢迎到我的俱乐部查询当天的利率，如果你的Loan Amt在$350K以上，今天可以做到3.
75%。 |
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b*d
发帖数: 9308 | 24 也比周五涨了,$350K以上的Loan可以做到3.5% No cost Refinance。 |
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b*d
发帖数: 9308 | 25 Rate already went up to 3.75% with >$350K loan amount. |
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b*d
发帖数: 9308 | 26 对，3.75%是$350K以上的Loan。到了$200K，利率就会升高到4.0%。 |
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b***r
发帖数: 120 | 27 在我这里， 很久的SFH大概要350k 左右， 一个BR的 condo 120k左右，你要是个单身工作，
你愿意花1000租condo 还是2000租SFH? |
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d*********2
发帖数: 48111 | 28 我会2000租个SFH, 然后把2 or 3 other br 700 each sublet出去.
你那里350k的SFH也至少3/4 br + 2 bath吧. 功能上比1br condo强大的多.
身工作， |
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b*d
发帖数: 9308 | 29 如果是$350K以上的Loan，可以做到3.75% no cost refinance。 |
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z***t
发帖数: 2374 | 30 现在一个93年的房子跟2000年的房子之间纠结。93年的房子社区很漂亮，350k，
appraisal 365k，周围的房子价格都比这个高些。2000年的房子社区一般，320k，
appraisal价格288k，周围的房子价格要低一些。两个学区都不错，93年的更好一些。
比较倾向93年的，但是怕太老了。第一次买房，不大懂房子的维护啥的。还有，不知道
lot的大小有没有什么讲究。大的不知道整理起来会不会很麻烦。小的又觉得没地方玩
。 |
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d*********2
发帖数: 48111 | 31 我算一下吧
俺这里3000 sqft lot开价350k.
2000 sqft, building 300k.
decorating & yard, 100k.
total 750k.
600k俺这里能买到2000 sf + 1000 sf half-basement, brick, built in 1930的房子.
50k左右的renovating足够, 650k.
全新的房子开价一般在800k - 1M
我觉得NY & NJ这里$150/sqft恐怕拿不下来, 不知道用的什么烂材料了.
我请来装修的师傅说盖一个750 sf x 3的砖房, 一层是车库和heating + 1 br + 1 Liv
. 要45万至50万. |
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a******e
发帖数: 36306 | 32 是啊，这下没人羡慕了吧？本来房子本身mortgage一个月下来也没多少，房产税就可以
一下缩减不少购买力。
比如350k的房子，如果2.4%的tax，一年就8400，而且这个tax是根据county appraisal
来的，哪怕你房子捡了deal买成30万，还是得按35万的appraisal来缴税，一个月均摊
700。月付增加50，如果按照30年conventional loan，相当于你的购买力缩减1万，700
就相当于14万。 |
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N**s
发帖数: 1916 | 33 i have no idea about texas. but we will throw $350k to get it started. |
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b*d
发帖数: 9308 | 34 Summary:
今天的利率比星期二有所上涨。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.625% 4.000% 3.375% 3.750%
APR 4.625% 4.000% 3.375% 3.750%
<=729K 4.750% 4.250% 3.500% 4.000%
APR 4.750% 4.250% 3.500% 4.000%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=... 阅读全帖 |
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b*d
发帖数: 9308 | 35 Summary:
今天的利率比星期三略有上涨。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.750% 4.125% 3.375% 3.750%
APR 4.750% 4.125% 3.375% 3.750%
<=729K 4.875% 4.250% 3.500% 4.000%
APR 4.875% 4.250% 3.500% 4.000%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=... 阅读全帖 |
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b*d
发帖数: 9308 | 36 Summary:
今天的利率比星期四有所下降。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.625% 4.000% 3.500% 3.750%
APR 4.625% 4.000% 3.500% 3.750%
<=729K 4.750% 4.250% 3.750% 4.000%
APR 4.750% 4.250% 3.750% 4.000%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=... 阅读全帖 |
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b*d
发帖数: 9308 | 37 Summary:
今天的利率和星期五基本持平。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.625% 4.000% 3.375% 3.750%
APR 4.625% 4.000% 3.375% 3.750%
<=729K 4.750% 4.250% 3.625% 3.875%
APR 4.750% 4.250% 3.625% 3.875%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=... 阅读全帖 |
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b*d
发帖数: 9308 | 38 Summary:
今天的利率和星期四持平。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.875% 4.250% 3.750% 4.000%
APR 4.875% 4.250% 3.750% 4.000%
<=729K 5.000% 4.375% 4.000% 4.250%
APR 5.000% 4.375% 4.000% 4.250%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=41... 阅读全帖 |
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b*d
发帖数: 9308 | 39 Summary:
今天的利率和星期五持平。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.875% 4.250% 4.000% 4.250%
APR 4.875% 4.250% 4.000% 4.250%
<=729K 5.000% 4.375% 4.250% 4.500%
APR 5.000% 4.375% 4.250% 4.500%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=41... 阅读全帖 |
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b***p
发帖数: 1398 | 40 For mortgage $400K,
interest for 30 yr is $350K (monthly $2090)
interest for 15 yr is $140K (monthly $3000)
which would you prefer? |
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b*d
发帖数: 9308 | 41 Summary:
今天的利率和星期一持平。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.875% 4.250% 3.875% 4.125%
APR 4.875% 4.250% 3.875% 4.125%
<=729K 5.000% 4.375% 4.125% 4.375%
APR 5.000% 4.375% 4.125% 4.375%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=41... 阅读全帖 |
|
b*d
发帖数: 9308 | 42 Summary:
今天的利率比星期三有所上涨。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 5.125% 4.500% 4.000% 4.375%
APR 5.125% 4.500% 4.000% 4.375%
<=729K 5.250% 4.750% 4.500% 4.750%
APR 5.250% 4.750% 4.500% 4.750%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=... 阅读全帖 |
|
b*d
发帖数: 9308 | 43 Summary:
今天的利率比星期四有所下降。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 5.000% 4.375% 3.750% 4.250%
APR 5.000% 4.375% 3.750% 4.250%
<=729K 5.125% 4.625% 4.125% 4.625%
APR 5.125% 4.625% 4.125% 4.625%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=... 阅读全帖 |
|
b*d
发帖数: 9308 | 44 Summary:
今天的利率比星期四有所下降。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.875% 4.375% 3.750% 4.250%
APR 4.875% 4.375% 3.750% 4.250%
<=729K 5.000% 4.500% 4.125% 4.625%
APR 5.000% 4.500% 4.125% 4.625%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=... 阅读全帖 |
|
D*******o
发帖数: 3229 | 45 最近在看房,有一些想法,想请大家参谋评判。
1）现在的工作还算满意，但不是自己的 dream job。小弟是学术圈里混的，冷僻专业
，坑很少。总在想或许某一天找到自己的dream job，举家搬走。但也许若干年内，都
没有这样的坑出现，就在现在的位子上座到老。
2）乘着现在房价低，先搞一座。如果几年后搬走，房子或租或卖。所以不想在房子上
投太多，初步打算350k~400k。我和LP都是四体不勤的人，只想弄一套新房，省得打理
。在本地好学区，只能买townhouse了。和SFH比，townhouse的优缺点是什么？
希望大家帮忙参考以下，我们的打算是否靠谱，还因该注意什么。 |
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f******r
发帖数: 124 | 46 卖方9月分做了appraisal 说425k,现在要价399k,我们offer 350k，然后我们的代理说
对方说不counter offer,少于380k不予考虑。是不是说我们只能出38万以上了？另外买
方银行是不是也要作appraisal？两个appraisal会不会差别很大呢？ |
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b*d
发帖数: 9308 | 47 Summary:
今天的利率比星期五持平。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.875% 4.375% 3.750% 4.250%
APR 4.875% 4.375% 3.750% 4.250%
<=729K 5.000% 4.500% 4.125% 4.625%
APR 5.000% 4.500% 4.125% 4.625%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=41... 阅读全帖 |
|
b*d
发帖数: 9308 | 48 Summary:
今天的利率和星期一持平。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.875% 4.375% 3.750% 4.250%
APR 4.875% 4.375% 3.750% 4.250%
<=729K 5.000% 4.500% 4.125% 4.625%
APR 5.000% 4.500% 4.125% 4.625%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=41... 阅读全帖 |
|
b*d
发帖数: 9308 | 49 Summary:
今天的利率和星期四持平,圣诞节的这周基本上没有什么变化.祝大家节日快乐!
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.875% 4.375% 3.750% 4.250%
APR 4.875% 4.375% 3.750% 4.250%
<=729K 5.000% 4.500% 4.125% 4.625%
APR 5.000% 4.500% 4.125% 4.625%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5... 阅读全帖 |
|
b*d
发帖数: 9308 | 50 Summary:
今天的利率和星期五持平。
Refinance rate with NO closing cost, NO impound:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=417K 4.875% 4.375% 3.750% 4.250%
APR 4.875% 4.375% 3.750% 4.250%
<=729K 5.000% 4.500% 4.125% 4.625%
APR 5.000% 4.500% 4.125% 4.625%
New purchase rate:
Loan Amount 30 yrs fix 15 yrs fix 5/1 ARM 7/1 ARM
<=41... 阅读全帖 |
|
