r****t
发帖数: 10904 | 1 发个案例以正视听：
去年圣诞前后，中等学区，ranch, 情况还好，院子可能下水有点堵，
forclosed, bank owned, as is condition.
sept 街对面一个
同样的regular sold@490k.
17xx sqft 3b2b listing 470k, 昨天发现535k sold.
我们不懂行出了 480k ， 包括我们 一共8个offers were countered with highest n
best, 我们加到490k，没消息，口头加到 500k. 被告知有multiple offer over 500k. |
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r****u
发帖数: 5 | 3 House for sale in Wayland.
4 bedroom and 2 bathroom multi-level colonial with many updates.
Great school district.
Wayland High is always rated top 10 in Mass.
Elementry goes to Claypit Hill.
Convenient location.
5 minutes to Natick Mall and Turnpike.
10 Minutes to Rt. 128.
Quiet and safe neighbourhood.
1872 square feet of living space. 0.6 acre of yard. Built in 1957.
Asking 490K. Not MLS listed yet.
No need to pay the agent fee if buy direct.
If interested please email r*******[email protected] or c |
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r****u
发帖数: 5 | 4 House for sale in Wayland.
4 bedroom and 2 bathroom multi-level colonial with many updates.
1872 square feet of living space. 0.6 acre of yard. Built in 1957.
Great school district.
Wayland High is always rated top 10 in Mass.
Elementry goes to Claypit Hill.
Convenient location.
5 minutes to Natick Mall and Turnpike.
10 Minutes to Rt. 128.
Quiet and safe neighbourhood.
Asking 490K. Not MLS listed yet.
No need to pay the agent fee if buy direct.
If interested please email r*******[email protected] or c |
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s*v
发帖数: 275 | 5 帮你订票， ing, chase, non-cc paypal only |
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s******8
发帖数: 4192 | 6 short sale不意味着贱卖。说明asking price比借的钱少。比如你这个房子，如果原来
500K,owner借了495K，如果500K卖不出去，降到490K，就是short sale了。
也就是说你当初那个460k很有可能已经是short sale了。 |
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m****s
发帖数: 57 | 7 两房选一，很纠结。 其实就是LOCATION和 HOUSE中选一。 加州，房子1.的那个城市均价
$250/SQF。 在房子2的那个城市，均价$500/SQF.
孩子3岁，要考虑小学了。
房子1： SFH. $440K. 2000sqf. 90年建的。HOA $120/月
优点：在一个比较新的小区里。环境还不错。房子我们很喜欢。
缺点：ISOLATE. 小区孤零零的在山上，距离我们公司20mile，距离各shopping都有8
mile. 小
学8分，高中3分。
房子2：Townhouse: $490K, 1400sqf, 1985 built. HOA$350/月
优点：好学区，小学9分，高中9分。离公司2mile. 中午都可以回家吃午饭。
缺点：TOWNHOUSE, 和邻居SHARE墙。房子小，尤其LIVING ROOM小。HOA贵，可能事儿还
多。房子
后面紧挨着一堵悬崖。
选哪个呢？很纠结，大家给出出主意？ |
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c*****1
发帖数: 1826 | 8 往死里砍，银行总会给counter offer,我刚拿下一个，list price 490k,我出400k,后
来银行counter 450k,我就接受了。 |
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l*****9
发帖数: 1058 | 9 个人认为Appraisal只看附近区近期成交均价，很多人重视的：view, cul de sac,
deck他们都不算在内。location如果你正好在好区和坏区分界线上，但是是坏区的zip
code, 他也按坏区算。我这个就是。成交价490k, Appraisal出来460，看了一下
comparable, 都是打死我也不买的烂房子。seller也这么说，但还是同意降到470，我
就买了。
所以我觉得如果你真的喜欢，跟seller杀杀价，如果杀不下来，买了算了。 |
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c********r
发帖数: 1422 | 10 we offered 650k to a house 2 yrs ago, but seller rejected us. it was short
sale at 490k early this year, although its fair value is still around 600k. |
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s****e
发帖数: 282 | 11 490K loan, 3.375% for 7ARM. Thanks. |
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s****e
发帖数: 282 | 12
That is 360K loan. How about $490K loan? |
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Y******u
发帖数: 1912 | 13 在NYC,上个星期mortgage broker报了一个30Y Fixed 4.125 APR
这个是不是很高？我看板上怎么都是3.75或更低？没有point, no origination fee.
他解释说因为我FICO 700要加0.75point, 20% downpayment on condo要加0.75point,
所以折合成APR就是4.125左右。他说如果我愿意的话可以多出点rate拿1%的point来
cover部分closing cost(我现在钱只够付closing，不想之后一点存款都没有).
另外他给的GFE closing cost大概是13K (490K condo, 20% down)
你觉得这些靠谱吗？ |
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w****t
发帖数: 129 | 14 I am getting a 30 year $490K loan with interest rate of 3.375% no closing
cost. Can anyone tell me whether it is a good deal and should I lock it? If
I had option of having a closing cost of 1% with 3.25% rate. Should I choose
1% with 3.25% or 3.375% w/o closing cost?
Thanks a lot! |
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b********1
发帖数: 1299 | 15 最简化版：
如果是490K的loan， 从4.25% 降到4%， 一年省的利息是490x .25% = $1225. 这里就
先不管principle reduction 了。 |
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p****n
发帖数: 69 | 16 【 以下文字转载自 NewJersey 讨论区 】
发信人: ponpon (ponpon), 信区: NewJersey
标 题: 求新泽西refinance利率
发信站: BBS 未名空间站 (Sun Feb 28 18:37:02 2016, 美东)
想问下各种fixed/adjustable（特别是ARM）的利率。$490K loan balance，740+
credit score, location Bergen county
谢谢 |
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n*******y
发帖数: 3337 | 17 转载
Today, 11:55 am #68
superking
Join Date: Mar 2011
Posts: 179
Chase closed my account with 445,000 UR points
Chase closed my 6 accounts including Chase WaMu card(2007)$1000 limit, Chase
Freedom(2007) $5000, Chase Sapphie Card (2011) $5000, Chase United(2012) $
5000 , Chase Southwest(2011) $1000, and Chase Ink Bold(2011) $10000.
Approximately $27000 credit( I have $15k with Citi, 8k with Discover, 11$k
with Amex). On personal income of 60k or household income of 120k but I dont
think ... 阅读全帖 |
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z****l
发帖数: 5282 | 18 ☆─────────────────────────────────────☆
chenjian (石头) 于 (Wed Apr 11 10:37:09 2012, 美东) 提到:
不知为什么？ 是不是提前ｐａｙｍｅｎｔ， 在ｓｔａｔｅｍｅｎｔ出来前还钱，导
致的呢？
☆─────────────────────────────────────☆
mcheng82 (battles) 于 (Wed Apr 11 10:37:51 2012, 美东) 提到:
chase关卡没什么理由
☆─────────────────────────────────────☆
zard (zard) 于 (Wed Apr 11 10:45:57 2012, 美东) 提到:
说说你有几张chase卡，被关的是哪张，最近都做过些什么操作？
☆─────────────────────────────────────☆
DBH110 (DBH110) 于 (Wed Apr 11 11:14:01 2012, 美东) 提到:
不可能把，我经常提前还掉一些，，，
☆───... 阅读全帖 |
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p*****a
发帖数: 3634 | 19 I can do EB5 if I can get $490K. |
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r****u
发帖数: 5 | 21 House for sale in Wayland.
4 bedroom and 2 bathroom multi-level colonial with many updates.
Great school district.
Wayland High is always rated top 10 in Mass.
Elementry goes to Claypit Hill.
Convenient location.
5 minutes to Natick Mall and Turnpike.
10 Minutes to Rt. 128.
Quiet and safe neighbourhood.
1872 square feet of living space. 0.6 acre of yard. Built in 1957.
Asking 490K. Not MLS listed yet.
No need to pay the agent fee if buy direct.
If interested please email r*******[email protected] or c |
|
r****u
发帖数: 5 | 22 House for sale in Wayland.
4 bedroom and 2 bathroom multi-level colonial with many updates.
1872 square feet of living space. 0.6 acre of yard. Built in 1957.
Great school district.
Wayland High is always rated top 10 in Mass.
Elementry goes to Claypit Hill.
Convenient location.
5 minutes to Natick Mall and Turnpike.
10 Minutes to Rt. 128.
Quiet and safe neighbourhood.
Asking 490K. Not MLS listed yet.
No need to pay the agent fee if buy direct.
If interested please email r*******[email protected] or c |
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w**********9
发帖数: 1098 | 23 我不知道你是谁？但我不觉得你是我的客户。我的客户虽然多，但不小心还都记得。方
便的话和我联系。如果真的带过你，我会支持你的言论。
凤姐虽然被人怒骂的多，但也还是混出了国门。我不需要大的名声，但要清白。看看这
里有你的房子吗？没有的话，即使是几面之缘，我也会记得你。
2010年成交（九百万）:
71107098 SLD Braintree, MA : South Braintree $329,900 Sale Price: $310K
71110176 SLD Burlington, MA 7 room, 3 bed, 2 bath $369,000 Sale Price: $350K
71108956 SLD Newton, MA 5 room, 3 bed, 2.5 bath $398,475 Sale Price: $407K
71061388 SLD Acton, MA 8 room, 3 bed, 2 bath $400,000 Sale Price: $393K
71063552 SLD Winchester, MA 8 room, 3 bed, 1.5 $479,000 S... 阅读全帖 |
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p**********u
发帖数: 15479 | 26 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: gbull (gbull), 信区: SanFrancisco
标 题: Refinace just closed
发信站: BBS 未名空间站 (Tue Feb 12 01:14:08 2013, 美东)
5ARM, 2.5% rate. $490K loan. |
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p****n
发帖数: 69 | 27 想问下各种fixed/adjustable（特别是ARM）的利率。$490K loan balance，740+
credit score, location Bergen county
谢谢 |
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p****n
发帖数: 69 | 28 想问下各种fixed/adjustable（特别是ARM）的利率。$490K loan balance，740+
credit score, location Bergen county
谢谢 |
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w****x
发帖数: 16 | 29 同求!
[在 ponpon (ponpon) 的大作中提到：]
：想问下各种fixed/adjustable（特别是ARM）的利率。$490K loan balance，740+
：credit score, location Bergen county
：........... |
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Y******u
发帖数: 1912 | 30 【 以下文字转载自 Living 讨论区 】
发信人: YonahYou (Yonah), 信区: Living
标 题: 帮忙看看这个mortgage broker靠不靠谱
发信站: BBS 未名空间站 (Wed May 9 14:06:11 2012, 美东)
在NYC,上个星期mortgage broker报了一个30Y Fixed 4.125 APR
这个是不是很高？我看板上怎么都是3.75或更低？没有point, no origination fee.
他解释说因为我FICO 700要加0.75point, 20% downpayment on condo要加0.75point,
所以折合成APR就是4.125左右。他说如果我愿意的话可以多出点rate拿1%的point来
cover部分closing cost(我现在钱只够付closing，不想之后一点存款都没有).
另外他给的GFE closing cost大概是13K (490K condo, 20% down)
你觉得这些靠谱吗？ |
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p****n
发帖数: 69 | 31 【 以下文字转载自 NewJersey 讨论区 】
发信人: ponpon (ponpon), 信区: NewJersey
标 题: 求新泽西refinance利率
发信站: BBS 未名空间站 (Sun Feb 28 18:37:02 2016, 美东)
想问下各种fixed/adjustable（特别是ARM）的利率。$490K loan balance，740+
credit score, location Bergen county
谢谢 |
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s****s
发帖数: 2163 | 32 对， 这个房子你就认为是一个1300-1500尺的460K-490K的一个房子，然后加5-7万加建
的COST。
关于FLOOD ZONE和FAULT ZONE， 一般SELLER卖之前都会ORDER一个Natural hazard
report. 上面会有。 |
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T8
发帖数: 157 | 33 This REO house was sold 350k half month ago. Now it asks for 490k......so
black |
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G********0
发帖数: 155 | 34 不包括flood and earthquake insurance.Thanks. |
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G********0
发帖数: 155 | 36 Personal liability 也是包括在$600里吗？哪个保险公司能买到这个价位的保险呢？
谢谢 |
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w*t
发帖数: 591 | 37 不比较deductable、location、fire hazard还有房子大小新旧之类的没有意义吧？如
果地大但房子破旧和无地但房子新而大的保险价格肯定有差异。 |
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p*******g
发帖数: 178 | 38 OK, Mercury or Safeco
I bought a house for $468K in January and I got two quotes from the above
two under 600 and bound with Safeco. |
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k***a
发帖数: 2400 | 39 保险费和你的房价, 保额等有关，也和你房子的社区，用哪家保险公司有关。
建议试一下costo home insurance (IDS Propoerty casualty insurance company),
you need to be a costco member. you can get a quote online instantly. I used
this for my home insurance and the price is less than $600, but my house
price is more than yours. I recommend my clients use it always.
kousa
http://sites.google.com/site/realestaterefinance/ |
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i*****0
发帖数: 1113 | 41 刚才quote了一下costco，居然比我现在的traveller还贵。居然要900左右一年。
used |
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c**m
发帖数: 757 | 42 你说的是那个490K的牛棚么？
真是见到什么叫小黑屋，那房子住着真压抑 |
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g***l
发帖数: 352 | 43 5ARM, 2.5% rate. $490K loan. |
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y****i
发帖数: 778 | 44 You can choose normal term life instead of ROP if you think the return is
too low, usually about 5% but tax free. 40 year 20x principal is about 7-8%
annual return before tax, which is possible for many kinds of investment. I
bought DC airport zero coupon muni bond in 2009 which garantee 4x principal
in 20 year, equal to 16x in 40 year and is federal tax free, though I sold
it in 2010 for my first home downpay and the price jumped 35% within a year.
A million dollar house now will be 20 million ... 阅读全帖 |
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c******9
发帖数: 76 | 45 目前只是拿了preapprove letter，具体到贷款还不知道。
这个condo大概73年左右起的，上下楼是自己的，不和邻居share，1年前有过白蚁
地点还算可以，离开高架不远，不是学区房。
2房1.5卫，asking 490k左右。值得考虑吗？ |
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q**w
发帖数: 39 | 46 Home value: ~950K
Loan amount: ~490K
Fico: 740
SFH
Current loan: 7/1 ARM, 3%
有能力将loan amount降到417K，求5/1ARM和15Fixed利率
pm 谢谢 |
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a******e
发帖数: 393 | 47 Self-Resident house
Loan 490K,
house value：815k，中西部
Credit score:>780，
求 ,7 arm利率 & 30 fixed
Thanks |
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h**l
发帖数: 4883 | 48 刚刚查84117 2000年到2010年的single family house。 只有4个是半米以下的，最便
宜的$419987。而且4个里 2个在大马路边， 一个在墓地边。 只有$490k的那个看上去
还行。
我看房子看了很久啦，来了这里这么多年都没舍得换房。 不容易阿。。。 |
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c*****u
发帖数: 1826 | 49 They ask you to provide where you found your information. So if I help you
find it, you provide me as your reference, and so on so forth.
I think it is better to have an agent to help you provide these information
because you will need very precise information, not just any zillow value.
Zillow is often very in-accurate.
We just sold one recently where zillow stated $490K but we sold for $580K in
2 days. |
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