S********t
发帖数: 3431 | 1
啊？感觉以前听说有不少人搞80% conforming， 10% heloc的啊
房子接近60w，
我是想看能不能 20% down + 10% helloc + 70% conforming (<417k)
跟
20% down + 80% high balance（jumbo？）
两个比起来，应该选哪个呢？
我们的信用分数应该是最好的一档，收入相对loan也足够，就是因为刚工作没多久手头
积蓄还不够充
足。如果是用heloc那部份，应该很快（2，3年）就能还完，这样能省不少利息吧？但
是不知道（两
个人）heloc能否贷出来6w左右？heloc上限是多少呢？
我现在对第一种方案的好处的理解是，primary loan能控制在417k以下，利率好些（30
yr），heloc多
贷出来一两万的话，可以留些现金置办家具啊买车啊等等。但是不清楚贷heloc有啥坏
处呢？ |
|
t****o
发帖数: 442 | 2 取决于你住哪，这个数目在东西两岸不算jumbo，叫jumbo conforming，比conforming
的利率高0.125%。 |
|
j**y
发帖数: 24 | 3 我们的broker给了一个conforming loan的good faith estimate如下：
1. Items payable in connection with loa:
Appraisal Fee:$410
Credit report fee: $45
Underwriting Fee:$845
2.Title charges:
closing/escrow:$1,800
Notary Fees:$150
Title Insurance: $900
3.Government Recording & Transfer Charges:
Recording Fees: $120
4.Items Required by Lender to be Paid in advance:
Intgerest for 15 day (depends on when the loan started):$835.5
Hazard Insurance Premium: $600
据我们的broker说，以上1，2，3（Total $4,270)为我们的估计closing cost.
4 是l... 阅读全帖 |
|
b*d
发帖数: 9308 | 4 Jumbo conforming看看过两天可不可以做到4.5%，今天加州Conforming已经可以到4.
375%了。 |
|
b*d
发帖数: 9308 | 5 其实Jumbo conforming比conforming就高个0.125%. |
|
t****g
发帖数: 35582 | 6 各个地方不一样，各种loan不一样，你上google advisor一test就知道了。
另外，即使是super conforming也比conforming要高，尤其是5/1 ARM和7/1 ARM, 30yr
两个差不了太多。但是7/1 ARM可以差到0.5%。 |
|
f*****u
发帖数: 729 | 7 低开高走
http://www.mitbbs.com/club_bbsdoc/BayAreaHomeLoan.html
以下利率是针对refinance.no point, no closing cost.
要求条件:Single Family House, LTV = 75%, FICO = 740,30-day lock，loan amount
(Conforming 400K, HB >600K)
Conforming Loan (Amount <= $417,000)
5ARM - 2.625%
7ARM - 3% (with impound)
15 Yr. Fixed - 3.5%(with impound)
30 Yr. Fixed - 4.375%
High Balance (Amount <= $625,500)
5ARM - 2.875%
15 Yr. Fixed - 3.625% (with impound)
30 Yr. Fixed - 4.375%
LTV如果小于60%，rate会更好一些 |
|
f*****u
发帖数: 729 | 8 稳中有升
http://www.mitbbs.com/clubarticle_t/BayAreaHomeLoan/30521139.ht
以下利率是针对refinance.no point, no closing cost.
要求条件:Single Family House, LTV = 75%, FICO = 740,30-day lock，loan amount
(Conforming 400K, HB >600K)
Conforming Loan (Amount <= $417,000)
5ARM - 2.75%
7ARM - 3.125%
15 Yr. Fixed - 3.5%
30 Yr. Fixed - 4.25%
High Balance (Amount <= $625,500)
5ARM - 2.875% (with impound)
15 Yr. Fixed - 3.625% (with impound)
30 Yr. Fixed - 4.375%
LTV如果小于60%，rate会更好一些 |
|
p*****e
发帖数: 537 | 9 肯定是比super conforming高的，但会不会也根据这次美联储的降息通知下调一些？一
般来说jumbo loan会比super conforming的rate高多少呢？ |
|
k******o
发帖数: 3328 | 10 Assume Primary Residence, Single Family Residence
740+ FICO Credit Score, LTV ≤ 75%, 19 day rate lock, impound account
Conventional Conforming loan ≥ $380K, Jumbo Conforming Loan ≥ $580K.
the appraisal fee is covered.
BTW, if your loan is 15 years fixed, you only need LTV <= 80% and FICO > =
660 (around). |
|
c**********e
发帖数: 1184 | 11 是的。因为Super-Conforming Loan Limit是9月30日过期，如果现在才开始准备做refi
的话，9月30日之前基本上是来不及funding的，所以现在能按Super-Conforming利率做
的可能性已经很小了。 |
|
k******o
发帖数: 3328 | 12 现在的绝大部分的 conforming loan 最后都卖给 GSE (Government Sponsored
Enterprise, namely, Fannie Mei/Freddic Mac).
银行留在balance sheet大部分都不是conforming loan。
您不妨经常上我的俱乐部参考利率啦。 |
|
k******o
发帖数: 3328 | 13 今天贷款利率是新低 for jumbo conforming loan (>$417K)
4.000% for 30 year jumbo conforming loan. 3.875% for conventional jumbo loan.
Welcome to my club to check the rate.
Per this board rule, link to any club is prohibited. Otherwise, link is provided for your convenience. Please first click my ID/name, find my club. |
|
w*********m
发帖数: 4740 | 14 mortgage rate is 0.125%-0.25% higher, but all the lines of conforming, super
conforming, jumbo loan are higher |
|
k******o
发帖数: 3328 | 15 Are you jumbo loan, or jumbo conforming loan (<= $625K in some counties)? If
your case is good (i.e. LTV,FICO, etc), 4.25% is in the high end for
purchase loan in the jumbo conforming loan category, even for 45 days lock.
Anyway, the rate trend is hard to predict. Do not give hope yet.:=) |
|
k*******2
发帖数: 132 | 16 Conforming loan indicates that this loan conforms the guideline set by
Fannie Mae/Freddic Mac. So most likely that your loan principle will be with
this two government sponsored enterprise eventually.
Portfolio loan is most likely to be kept by lender/bank.
银行给的利率会在大部分情话下可能比较高。 |
|
P******u
发帖数: 12 | 17 第一个房子还有20万没还清，第二个房子要贷款50万，这两个加起来超过了62万5的
Conforming Loan Limit，是不是就贷不到第二个房子的款？
这个Conforming Loan Limit到底是所有loan的总合还是只要单个房子贷款不超过62万5
就行了？
谢谢！ |
|
p******y
发帖数: 3523 | 18 LZ在哪个州呀？不同州的rate恐怕不一样。
不过，基本都是银行的portfolio loan了，rate会比conforming或是conforming plus
高些。 |
|
b*d
发帖数: 9308 | 19 还是有区别的。
$417K以下叫做conforming
$417K以上叫做jumbo conforming
利率会差0.125%到0.25%。 |
|
k******o
发帖数: 3328 | 20 Name is not that important. Basically any loan amount > $417K will have
Jumbo in its name, such as
Conventional conforming loan: <= $417K
Jumbo conforming loan: $417 < loan amount < $625.5K (for some high cost
county/area).
In fact, San Diego county is capped at $546,250 (instead of $625,500). |
|
k******o
发帖数: 3328 | 21 In mainstream, there might be significant difference between conforming and
jumbo conforming loan. In Chinese community, the difference is within 0.25-0
.125% difference.
目标价位调低几万了…… 是这样吗？请教！ |
|
r******d
发帖数: 1879 | 22 Depends on your loan amount. the best rate in CA we can offer is 2.875% for
conforming and 3.0% for super conforming, no cost, no impound. |
|
b********2
发帖数: 5191 | 23 loan amount <417,000 就是conforming loan.
loan amount 在417K 和625.5K (加州Bay area)就是high balance conforming |
|
b********2
发帖数: 5191 | 24 加州rate供您参考:
Conforming Loan (Amount <= $417K)
5ARM - 2.625%
7ARM - 2.625%
15 Yr. Fixed - 2.75%
30 Yr. Fixed - 3.375%
High Balance (Amount >$417K & <= $625,500)
5ARM - 2.75%
15 Yr. Fixed - 2.75%
30 Yr. Fixed - 3.375%
Condition:
==========================================
Single Family House - Owner Occupied
LTV <= 75% (or <=80% for 15 yr)
FICO >= 740
30-day lock
loan amount (Conforming ~ 400K, HB ~ 600K)
may need impound
H1B may not qualify the best rate
========================================== |
|
j*********1
发帖数: 218 | 25 我们这儿house 比较expensive。 交了约20-30% downpayment 以后， 还必须要贷
jumbo loan （>450K limit）。 请问现在30年fixed 的jumbo loan rate 是多少呀？
我们这儿 Conforming loan 的limit 是450k，如果只贷450k的话， 假定30 years
fixed-rate 是3.5%。 但如果要贷500k的话， 就变成jumbo loan 了，假定jumbo
loan 的 30 years fixed-rate 是 4.25%。 如果以后不refinance 的话， 那这
30years 一直是付 4.25%利息吗？ 还是付了几年mortgage 以后， 等loan 的本金变成
450k 以下以后，我的rate 就自动变回conforming loan 的 3.5%呀。 如果是前者，
那贷jumbo loan太亏了。 有人知道jumbo loan 的具体怎么操作吗？ |
|
P*******n
发帖数: 195 | 26 不同county对于jombo的下限要求不同，有的county你可能50万就是jombo了，有些可能
60多万了还是特殊的conforming。
我觉得你这个应该是“super conforming”或者“agency jombo”之类的loan，就是超
出417000的普通confirming loan amount，但是没有到你county的特殊confirming上限。
真正地jombo你拿3.375%得交很多point吧。 |
|
r******d
发帖数: 1879 | 27 I am not sure which state you are at. This week in California, for
conforming, 7 yrs ARM is same as 5 yrs ARM, but 7yrs ARM is better than 5
yrs for super conforming.
You can always refinance at any time after your purchase ( well, of course,
after you pass the current lender's restriction time, usually it is 6 months) |
|
b********2
发帖数: 5191 | 28 以California 来说,
15年conforming不变, 还是2.5%
30年conforming稍微涨了一点, 还是3.25% |
|
o*****p
发帖数: 5952 | 29 conforming loan 是<=$417.
high balance conforming loan 在洛杉矶<=$625500
Jumbo loan 在洛杉矶>$625500 |
|
r******d
发帖数: 1879 | 30 YES, today's rate is worse again comparing the last week's rate. You have to
provide more detail informaiton in order to get the most accurate quote.
The best case is 3.625% for super conforming and 3.375% for conforming. |
|
n******i
发帖数: 598 | 31 what is super conforming and conforming?
I think the rate keep increasing, bond is too |
|
b*d
发帖数: 9308 | 32 在我们洛杉矶这里, super conforming就是$417K到$625K的贷款. conforming就是$
417K以下的贷款.最近的利率一直在涨。 |
|
c**********e
发帖数: 1184 | 33 Wells Fargo的jumbo loan利率非常好，只可惜WF目前不和broker合作了。Conforming
(<$417K)及Super-Conforming ($417K~$625K)的利率当前市场上是Provident Funding
的最好，应该是无人能比。 |
|
b********2
发帖数: 5191 | 34 I think for conforming max cash out is 70%, super conforming it's 60% |
|
r******d
发帖数: 1879 | 35 The best rate for conforming loan was 3.125% no cost, 30 yrs fix
the best rate for super conforming loan was 3.25-3.375% no cost.
Lately the rate is worse. I saw you mentioned that 3.625% no point. You need
to mamke sure it is not only no point but also no cost. |
|
r******d
发帖数: 1879 | 36 ARM is always lower than 30 yrs fix. If you can pay down to the super
conforming in a few years, choose ARM program and refinance with lower rate
for conforming. |
|
r******d
发帖数: 1879 | 37 Most of jumbo customers choose ARM programs because the rate is significant
different such as arm can be lower than 3.0% but fix program will be higher
than 4.0%. Monthly payment will be alot higher. Once they have more cash
flow after purchase, such as selling old house or lower the loan amount from
jumbo to super conforming/conforming, they will refinace to better rate. |
|
r******d
发帖数: 1879 | 38 光看rate是无法定夺的。 你要综合所有条件：
1。 是否是独立房， townhouse 还是 condo
2。 是否是20% 首付， 还是25%
3。 是否是绿卡公民还是工作签证
4。 信用分数是否在740分以上
5。 贷款额度大小
你可以到我的俱乐部看每天加州的purchase 和 refinance的利率。 你做的应该是
super conforming 的利率，
如果你是下列情况，
Super Conforming(LOAN = 600K, LTV75, SFR, 740+, 30 days) Primary living
Purchase
3.625% for 30 yrs fix, with 0.5 point rebate, no impound.
希望对你有所帮助。 |
|
r******d
发帖数: 1879 | 39 光看rate是无法定夺的。 你要综合所有条件：
1。 是否是独立房， townhouse 还是 condo
2。 是否是20% 首付， 还是25%
3。 是否是绿卡公民还是工作签证
4。 信用分数是否在740分以上
5。 贷款额度大小
你可以到我的俱乐部看每天加州的purchase 和 refinance的利率。 你做的应该是
super conforming 的利率，
如果你是下列情况，
Super Conforming(LOAN = 600K, LTV75, SFR, 740+, 30 days) Primary living
Purchase
3.625% for 30 yrs fix, with 0.5 point rebate, no impound.
希望对你有所帮助。 |
|
r******d
发帖数: 1879 | 40 3.5% is for conforming loan with loan amount < 417K
3.625% is for super conforming loan. |
|
r******d
发帖数: 1879 | 41 7 年利率现在也很好， 你可以到我的俱乐部查询。
conforming （ 贷款40万左右，LTV < 75, FICO 740+ ） 的7年今天可以作到2。5
super conforming的7年（贷款60万左右，LTV < 75, FICO 740+） 今天可以到2。75 |
|
r******d
发帖数: 1879 | 42 the answers below are only for the general answers since it might vary based
on your property type/credit score/programs/lenders you choose....etc
In general, cashout refinance rate will be same as the regular refinance
rate if your new cashout LTV (new cashout loan amount To appraisal value) is
60% or less.
if your new LTV is more than 60%, you will have 0.75 point hit, means if you
wanna get same rate, you have to pay 0.75% cost. in another word, if you
wanan choose no cost refinance, your ra... 阅读全帖 |
|
o****d
发帖数: 1346 | 43 http://en.wikipedia.org/wiki/Modular_building
Modular buildings and modular homes are sectional prefabricated buildings,
or houses, that consist of multiple sections called modules. "Modular" is a
method of construction (v. "stick-built" and other methods). The modules are
six sided boxes constructed in a remote facility, then delivered to their
intended site of use. Using a crane, the modules are set onto the building's
foundation and joined together to make a single residential, or commercial,... 阅读全帖 |
|
k***a
发帖数: 2400 | 44 加州的conforming loan（<=417k）和super conforming（<=625k）的30 yr fixed 还
是PF的rate比较好. 但是各种ARM 和Jumbo loan（>625k ）PF的rate一直不怎么样。 |
|
i***e
发帖数: 9429 | 45
不用图了，你说的和我估计的一样，因为没看到过，很有兴趣想知道个究竟。谢谢你。
后来去看了我们当地的Plumbing Code 和 IPC， CPVC 的确可当 热水管用，正好看到
一段怎么连接，你可以参考一下。相信我们大家都没什么经验，这管子里是有水压的，
做的要仔细点。注意看605.16.2.
D 2846/D 2846M—99 Specification for Chlorinated Poly (Vinyl Chloride) (CPVC
) Plastic Hot and Cold Water Distribution Systems . . . . . . Table 605.3,
Table 605.4, 605.16.2
B137.6—99 CPVC Pipe, Tubing and Fittings for Hot and Cold Water
Distribution Systems—with Revisions through May 1986 . . . . . . . Table
605.3, Table 605.4
605.16 CPVC plastic. ... 阅读全帖 |
|
b********3
发帖数: 994 | 46 恩，大家想法其实对了，不过你也提到一个问题，你在哪个州哪个county，不是所有的
county都能够达到417000-625500的super conforming （high Balance），如果417000
是limit，那超过一块钱就是Jumbo了，那underwriting的要求跟你现在所被要求的就完
全不一样了，lender能不能接受80%的LTV也是问题了。
话说回来，如果能够走Super Conforming(High Balance）的话，还是从了吧；如果只
能走jumbo，太难；而piggyback loan（1st + 2nd），在目前这个市场条件下，敢出手
的lender少之又少。
is |
|
t******2
发帖数: 15 | 47 是在麻省 是purchase loan。这里好像467000以上都算是jumbo loan。 super
conforming 的上限在哪里可以查？ 贷一个的话其实是broker决定jumbo 还是super
conforming，对于我们都是一样的对么？ |
|
p******y
发帖数: 3523 | 48 最少3%，去申请FHA loan； 放10% conforming loan with mortgage insurance；放20
% conforming loan without mortgage insurance。 |
|
k***a
发帖数: 2400 | 49 目前30年的conforming的是4.25％（《＝417k），super conforming（》417k, 《＝
625k）的是4.375％。
加州的可以点击我的id看每日利率更新。 |
|
发帖数: 1 | 50 已发私信给你了，请查收！
如果按$420K来贷款的话，利率要比贷款额$417K的要高，因为$417K以下的贷款金额(称
为conforming loan)可以拿到最好的利率；在圣地亚哥县，贷款额在$417,001~$580,
750之间的房贷被称为high-balance loan，利率要比conforming loan通常要高0.125~0
.25%。
建议你多掏$3,000头款，把贷款金额降至$417K，可以拿到更好的利率。 |
|
