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r********b
发帖数: 1 | 4 I'd suggest you go to http://www.bankrate.com, try its calculator with
amortization schedule.You'll have a better idea on exactly how much interest
you'll need to pay in both cases.
Do a comparison on the interests you'll pay vs. the projected capital gain
minus tax. Let us know your results. I am voting for paying as much as you can
toward your mortgage principle. In case of large expenses, you can easily get
a home equity loan. Just consider your house be your own bank.
100k
market),
increase |
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B*****R
发帖数: 1539 | 5 read some words expert writes bah, I found this on bankrate.com
bugsy got a point, I seldom(or never) see a 30 fixed loan has APR lower than
the rate, even it offers discount |
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F***Z
发帖数: 703 | 7 ☆─────────────────────────────────────☆
cvi (扣子饭) 于 (Sun Jan 13 22:27:15 2008) 提到:
目前利息率5.875%, 月供1727. 如果不做re-finance，30年一共要付：1727X12X30=621
,720.
在bankrate.com上算的如果refi,5.75%, 30 years, 月供变成1663.这样30年要付：
1663X12x30=598,680.加上按目前的利率已经付的两年：1727x12X2=41,448,一共是640,
128. 比不re-finance还要多付18408。
怎么回事？是不是re-finance以后每个月要比要求的多付一些才能省钱？
☆─────────────────────────────────────☆
atl (2008属于欧巴马-买买提后援会负责人) 于 (Sun Jan 13 22:57:20 2008) 提到:
I am not familiar with refi but I know (1727X12X30) is not t |
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d****n
发帖数: 2507 | 8 很不错的一篇文章，建议对refinace过程不是太熟悉的
朋友看看。
http://www.suntimes.com/business/savage/1490343,CST-FIN-savage23.article
In the midst of all the bad news about mortgages and home
foreclosures, there is really some very good news for qualified
borrowers. If you're purchasing a new home, or if you've decided
to refinance, you can now lock in some enticing low rates, thanks
to the Federal Reserve's determination to bring mortgage rates
down and get the economy growing.
According to Bankrate.com, the national av |
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b****n
发帖数: 1179 | 9 bankrates.com
上周4.99,今天5.19
30年fixed。 |
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Y**5
发帖数: 262 | 10 Check rate at zillow.com, it's better than the bankrates.com |
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p**e
发帖数: 676 | 12 有什么低利率低费用，办事牢靠的贷款公司或银行推荐么？
目前刚开始找，在 ZILLOW 上QUOTE了一下，在BANKRATE 上查了一下。
有没有其他更好的方法？
也欢迎直接推荐某某BROKER / LENDER. 谢谢。 |
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A**********i
发帖数: 780 | 14 去bankrate, lendingtree看看。找个mortgage broker问也行。前两天涨了一点。这两
天又降了点。应该还是很低。 |
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z****n
发帖数: 1514 | 16 Please give a link. I quoted from Bankrate.com and it does not have such
rates. |
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y****c
发帖数: 875 | 17 从bankrate.com上看到 有个 ever bank offer 4.75% for 30 year fixed rate today。 No point, only $647 lender fee.
Is it too good to be true?
Anybody used this bank before?
如果用这种不是local bank的， 不能按期close的风险是不是很大。 |
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t***r
发帖数: 225 | 18 lending tree and bankrate, which one is the better?
Thanks, |
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H****g
发帖数: 236 | 21 可是我在bankrate.com上看到的比local的好很多呀？？比如4.75%, 30 years fixed,
no points. |
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b********3
发帖数: 994 | 22 bankrate.com上的trick多了去了。我刚刚就搜了一个，说是4.75%.进去一查才发现是4
.875%。。。。。
不过只要不需要disclose核心的信息，像SSN等等，你也可以试试。 |
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d***l
发帖数: 50 | 24 bankrate 上查的好像都是online的。agent给的都是broker，
想要自己打电话比较几个lender，哪里可以查local的lender？
除了要rate和GFE还有什么？要收app fee吗？
了解Plano, TX的朋友请推荐一下。 |
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m*****u
发帖数: 19562 | 25 30年和15年的, zillow上的贷款利率和bankrate.com上的相差很大啊 |
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g*****9
发帖数: 4125 | 26 You will a lot of ad in chinese news paper, contact all of them, get the
best deal, you can also try online such as bankrate.com
If you belong to local bank or credit union, some time they offer the best
deal. |
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l*****g
发帖数: 3084 | 27 前天股市跌，所以昨天利率跌。
昨天股市张，所以今天应该略微抬头。你去看看bankrate.com
今天之所以略跌，是因为有的银行走在前面了，嗬嗬，今天股市这样子，明天利率能不
下来吗？ 当然了，如果晚上 Fed 有什么动作了，那就不能用这个简单的关系来判断了。 |
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l*****g
发帖数: 3084 | 28 去你要贷款的银行那里问
或者去 bankrate.com 看个总体的。 |
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h*****n
发帖数: 107 | 29 是在BANKRATE上面找，联系他们吗？
另外，如果住三五年，是贷30 Y FIXED 还是5/1 ARM？
ARM会比较难贷吗？
谢谢 |
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S********y
发帖数: 182 | 30 Rate varies from lender to lender. How can you define "准"? Just keep
monitoring rates from a few lenders on bankrate.com for example. The
fluctuation should pretty much represent the overall rate change of the
market. If you want immediate update and you have time, track the indices banks used to evaluate their mortagage rate: some typical common indices are
11th District Cost of Funds Index (COFI)
London Interbank Offered Rate (LIBOR)
12-month Treasury Average Index (MTA)
Constant Maturity Trea |
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M*******s
发帖数: 1210 | 31 大家有用过 bankrate上找到的online broker么？
比如inter bank, aimload之类的。
还是找local的比较可靠？
多谢~ |
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H****g
发帖数: 236 | 32 请问有没有人用EverBank Mortgage 的啊？在bankrate.com上，这个公司给的rate最低
，origination fee也比较低，比较好的deal。可是在网上看到了不少不好的评价。最
主要的是客服服务糟糕，会不按时付账单，等等。唯一的就是rate好。
有人有什么经验吗？ |
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h****z
发帖数: 2009 | 36 Where do you watch the rate? bankrate.com didn't change. |
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c********h
发帖数: 7827 | 37 bankrate.com
mortgage calculator. |
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m***e
发帖数: 810 | 43 在bankrate.com上已经有不少Offer。 |
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m******g
发帖数: 1103 | 45 去用bankrate的mortgage calculator算算你就明白了 |
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k*********9
发帖数: 4 | 48 有谁用过AmeriSave做Refinance？在bankrate.com发现的LINK，好像是网上的mortgage
公司，rate比LOCAL低0，125-0，25，网上的评论也不错。我们在NJ，LD问到的中国代
理都比他们的高。
都是0 cost 的。请给些信息。多谢了。 |
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t*******k
发帖数: 774 | 50 Google your local realty website. For rates and other home buying tips, go
to bankrate.com. |
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