X***9
发帖数: 7385 | 1
信用分数三大公司 equifax transunion and experian
首先看你的银行看那家的分数，一般车贷房贷都是看前两家，后一家一般租公寓买手机
之类的信用参考
当然三家分数大致相同 但历史可能不同 比如说一家小银行给你做了贷款 可能只报了
experian 但是没报其他两家的话 其他两家是没有信用纪录的。
贷款买房三家都会查
买车只需要查一家 euifax或transunion
我想你的问题是问自己查的信用分数和买房查的信用分数一不一样 这要看查到时候用
的什么软件标准 比如说discover卡自带的免费信用查询的分数就偏高。而且discover
也注明了只提供 transunion一家的Fico分数
网上也有关于这个分数差的疑问
“Discover card says my fico is 751, but I have a credit monitoring service
that shows the 3 agency scores that are between 699-706. Which is more
reliable/used when applyi... 阅读全帖 |
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z****l
发帖数: 5282 | 2 ☆─────────────────────────────────────☆
RockU (TJJTDS) 于 (Thu Feb 9 08:10:13 2006) 提到:
给你一个解释，也许你也不会满意，但是我试图把apr背后的道理解释清楚。
决定你的apr主要有两个因素，１。你的FICO score ２。你所有卡的总欠债量。
这里有很多xdjm都一下子BT很多钱，总欠债量骤然增加，如你的FICO 不够让银行一下承
担这些突发风险，apr会爆增。所以新来的同学比较容易倒霉，因为FICO比较低。
还有，发offer是上面是写15个月0%apr,你具体拿到多久的0%apr是根据你的实际fico决定
的.
15个月0%apr只是最好情况.你实际拿到的可能会短一些。所以新来的同学又比较容易倒霉
.
收到银行来信的话千万要读一下。实际的term是什么，是多久，有什么apr变化，你都会
收到信的，千万不要不读信。其实这些机制所有的银行都有，都是系统管理的，一般来说
很少出错。
谁倒霉决定于自己的fico和看不看信了。
on
☆──────────────────────────── |
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x*********n
发帖数: 28013 | 3 The Top 10 Credit Mistakes
By John Ulzheimer for Credit.com
1. Closing Credit Cards Accounts
Some of you may wonder why Closing Credit Cards is number one on this list
as the biggest credit mistake even above Missing Payments. In fact, closing
credit cards is almost as bad of an idea to increase your credit scores as
missing payments, but it is also a clear number one on the list of credit
myths. It is perhaps the most common piece of advice that consumers are
given when they ask,” How can I inc... 阅读全帖 |
|
m****2
发帖数: 780 | 4 三大局的分数都有自己的计算方法.但比较一致的认可区间是650-800.你在任何一个信
用局取得的分数在上面这个区间,就能根据高低,大致判断你的信用情况.
当然,三大局各有一个分数,是因为他们根据自己本身的资料,再配以自己的分数计算模
型得出来的.
另外在三大局以外,还有一个FICO.FICO是根据三局分数,再用FICO模型算出一个分数,一
般来讲,FICO的分数使用得更广泛,很多银行在批核房贷车贷的时候,在分数的判断层面,
用的是FICO.
如果你的兴趣是在于信用分数,那我推荐置顶帖里的CITI IDENTITY MONITOR.
$4.95每月.然后每月固定刷新一次三大局的信用分数.当然,三大局的报告,也可以每月
刷新一次.同时,任何一局的报告上有任何变动,随时都会发EMAIL通知你. |
|
l******5
发帖数: 265 | 5 短期想提高的话，信用卡出账单之前全付清，statement balance全零，不需要留一点
之类的，长期留一点涨的多，短期直接0更有效，根据你之前的balance/limit ratio，
涨的会不一样，我老婆的一下子涨过40分，最最关键的点还是ratio，如果可以不
hardpull要求涨limit也会有帮助，他们的模型挺二的，我花了5个月，试了各种方式以
后得出的结论，分数涨跌看的是银行两次汇报的balance/limit ratio是否减少，所以
即使你每次还清了balance，但接着花了比上个月更多的钱，还是会跌。。。是不是很
二，就是说，你如果第一个月花1块钱，而第二个月只花了2块钱，即使limit上限是1万
，你的分数还是会跌。。。
他们计算的方式有点像：ratio涨了，扣1-10分不等，记录显示你还钱了，+1-5分不等
，算下来看你是涨几分还是跌几分。
payoff涨的分数会非常多，就是你突然balance变成0了，涨的会特别多，但是下次有
balance了又会跌回来，所以短期你想增加，就是付清，然后到loan closing之前一直
保持在0
lender 3家都会p... 阅读全帖 |
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g*******w
发帖数: 679 | 6 另外，如果花钱买credit score的话，一定要买FICO的，否则我感觉都不值得。90%以
上的lender采用FICO模型来做决定。
上面给你的第二个链接里面有几种免费获得FICO的方法：GE Money的Walmart credit
card每个月免费给你TransUnion的FICO；加入Digital Credit Union(会hard pull
TransUnion)后每个月底他们可以给你发个Secure Message，里面有Equifax FICO
score |
|
g*******w
发帖数: 679 | 7 我觉得这个是商业运作的问题。三家信用评级机构不愿意给你FICO分数，而是卖给你多
种多样的FAKO。Experian曾经禁止用户花钱买自己的FICO分数，但现在好像可以了。
其实FICO也有好多版本，什么98年的，04，08年的。天知道各个lender采用哪个版本。
另外chase和amex这两家不直接采用fico，而是有自己的一套internal system。总之，
FICO score比别的参考价值大很多，但credit score只是电脑判断是否instant
approve的依据，underwriter人工评判时你的信用记录上所有信息都会起到作用。 |
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M***0
发帖数: 1180 | 8 你自己查的FICO Scoree是Score for consumer，另外，看你说的你应该是只查equifax？
Lender拿到的FICO Score是Score for lender，算法跟consumer score的算法不同；
而且几乎lender都是拿equifax, transunion, experian 3个分数，取中间那个，也就
是你贷款经纪跑出的分数
我在MYFICO买了3家分数，分别是 equ=750+, tra=720+, exp=760+
马上让lender pull fico,分别是 equ=720+, tra=750+, exp=720+
我们双方都确认过用的是同一个FICO 8.0版本
所以说，MIFICO就是大忽悠。买他们分数之前100%跟你保证只要lender也是Pull FICO
score,看到的分数肯定跟我看到的一样。
买了以后发现分数完全不同，找客服质问，对方各种借口，到最后才承认consumer
report跟lender report算分数的时候公式不同。人家最后说，别人买他家的report和
watch都是为了监控自己的账号，没人... 阅读全帖 |
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p**y
发帖数: 50 | 9 本人新手，信用历史一年多，三张卡加起来额度10K+，有一张discover每月可以看一次
FICO分数。
之前注意信用卡的utilization，基本控制statement balance在credit line的20%左右
，FICO保持740+。
去年圣诞开始买东西，还款不是很及时，statement balance的总额可能在credit line
总额的60～70%，但是下一个月总会还清上个月的statement balance。一月回国，还钱
不太上心，再加上三张卡的closing date都不一样，导致FICO分数连续两个月（12月，
1月）暴跌100点。
二月回美以后注意控制balance，二月的FICO又回到了730+。
这样看的话，utilization对FICO的计算权重很大啊。那是不是说，如果没有其他用钱
的情况（mortgage什么的），只要控制statement balance就可以实现所谓的“养高”
信用分数？或者还有其他什么要注意的点？谢谢。
另外，有一个月因为purchase和return不在一个statement上面，所以那次的statement
ba... 阅读全帖 |
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V*s
发帖数: 2452 | 10 第一，Experian给你的是FICO分数还是自己算的分数。后者是废物。
第二，就算给你FICO，也只是credit FICO，不是Mortgage FICO，所以也还是废物。
第三，真正有用的Mortgage FICO，只有办Mortgage申请才能看到，而且必须三个信用
局分数中间值。能到740就算很好了。 |
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s*********3
发帖数: 2890 | 11 Schedule到15号是紧了一点。 What happened is credit bureaus will pull your
date every month (or your creditor will report to them every month), you don
't know which date it will be. Say every 10th, at that moment your mortgage
payment for that month is due / outstanding, so your total debt ratio is a
little bit high, right? That will be one of the factor lower your FICO. If
you pay your mortgage every 2nd or 3rd, at that moment your mortgage
payment for that month is paid / current, so your total debt... 阅读全帖 |
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f****i
发帖数: 20252 | 12 还是不合格
http://www.myfico.com/crediteducation/creditinquiries.aspx
What to know about "rate shopping."
Looking for a mortgage, auto or student loan may cause multiple lenders to
request your credit report, even though you are only looking for one loan.
To compensate for this, the score ignores mortgage, auto, and student loan
inquiries made in the 30 days prior to scoring. So, if you find a loan
within 30 days, the inquiries won't affect your score while you're rate
shopping. In addition, the scor... 阅读全帖 |
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C******n
发帖数: 9204 | 13 如果错误请指正。
在俺们伟大的米帝国主义国家，信用局不是国营的，是几家私人机构，equifax,
transunion, experian。这些机构负责记录你的history，本质上不提供score。他们只负责记录cc account, collection, derogatory public record等等。米国某某法案要求人们能每12个月免费查History。
www.annualcreditreport.com
这里不会告诉你score是多少。但能告诉你每个月欠款多少，是否late。
score是谁都能算的。你自己想搞个公式算也行，没人管。大家一般说的score是fico
score。是这个公司提供的www.myfico.com。有时有免费查的free trial。从这个网站
，你能看到fico score，也会简单提到影响score的一些因素，如：short credit
history, seeking credit, collection。但不会详细告诉你所有的history。
另外，银行决定给不给你cc等决策不仅取决于你的credit history也不仅仅看fico... 阅读全帖 |
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a******9
发帖数: 923 | 14 Credit karma和Citi identity monitor上的都是FAKO，即假的FICO score. 甚至TU,
EQ, EX上卖的也是各家按自家模型算的，不是真的FICO，甚至range都不一样。这也是
银行给你的分数和你在CK上查的不同的原因。
不过，我感觉分数到底是多少并不那么重要，report上有什么更重要。不过，如果你非
要了解自己的FICO的话，基本上只有上myfico上买，或是有Walmart card的Free FICO
score。具体请看如下帖子，
http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Mo |
|
a******9
发帖数: 923 | 15 想看fico的话，现在基本上只有3种途径：
1. 到myfico上买
2. 申完卡后银行一般会告诉你他们所查到的你的fico score
3. Walmart credit card自带每月更新fico score
所以，都不是“免费”的。
不过，如果不是为了房贷和车贷，只是为了平时申卡的话，没有必要非得知道fico是多
少，有ck这样的monitoring就够了。 |
|
y****i
发帖数: 17878 | 16 for the consumer version there are only two FICO scores now: TU and EQ.
In 2009, Experian and FICO were unable to reach an agreement to extend their
partnership, so there has been no EX FICO score for consumers since then.
However, all three FICO scores are available to the lenders, which are
different from the consumer version. |
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V*s
发帖数: 2452 | 17 karma给的是FAKO分数，你贷款用的是FICO分数，而且FICO有三个信用局的分数，pull
哪个取决于lender，很可能三个局都pull。
FICO分数也分credit card分数和loan分数，我估计贷款应该pull loan分数吧，这个自
己买不到，自己只能买到FICO的credit card分数做参考。
具体多少利率完全取决于你找的lender，以及你的分数。 |
|
B******y
发帖数: 9065 | 18 我现有一张Discover More卡，2007年的。其实还有其他的Discover卡，年代更早，至
少3，4张吧，但陆陆续续都被Cancel了（LD干的，原因不明。。。）。。。
去年12月份的时候，发现Discover IT开始提供FICO分数了，LD的Statement上也出现了
。虽然我已有Barclays提供的FICO，但想做个比较（这个想法比较无聊！），于是手欠
的上网申了个Discover IT。居然没有Instant Approve！！！。。。这个我比较吃惊，
但懒得管，就算人生头一次被拒信用卡吧。。。
第二天，就收到email，说要我补材料，譬如工资stub，地址证明等。靠，你以为你是
谁呀，不理。。。接着，就开始收到几个莫名其妙的电话，有的是800，有的是Florida
的，估计是Discover的骚扰电话，不接。。。于是又有email来了，说discover已经和
我联系数次都未果，而我还有未完成的business，我需要做的就是拿起电话，呵呵，继
续不理。。。新的email出现，这次，要的是我的电话证明，昏。。。终于，元旦过后
，Discover找到我了，因为我在... 阅读全帖 |
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R**********k
发帖数: 18 | 19 银行看的是FICO，FICO 8或者更低版本的FICO。Credit Karma用的是VantageScore 3.0。
我会告诉你FICO需要6个月的信用历史才有一个分数，VantageScore 3.0只要1个月就可
以给一个分数么？ |
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C******n
发帖数: 9204 | 20 在Money版写好了一点发表按钮就告诉我刚被办了。顺便发在这科普下吧。
在俺们伟大的米帝国主义国家，信用局不是国营的，是几家私人机构，equifax,
transunion, experian。这些机构负责记录你的history，本质上不提供score。他们只负责记录cc account, collection, derogatory public record等等。米国某某法案要求人们能每12个月免费查History。
www.annualcreditreport.com
这里不会告诉你score是多少。但能告诉你每个月欠款多少，是否late。
score是谁都能算的。你自己想搞个公式算也行，没人管。大家一般说的score是fico
score。是这个公司提供的www.myfico.com。有时有免费查的free trial。从这个网站
，你能看到fico score，也会简单提到影响score的一些因素，如：short credit
history, seeking credit, collection。但不会详细告诉你所有的history。
另外，银行决定给不给你cc等决策不仅取... 阅读全帖 |
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c********r
发帖数: 128 | 21 If you want this list sent to your email every day, please reply with
your email or send your email to my mailbox.
If you just want to view the report, you can visit
http://www.traviancompanion.com/simmarket/report
11/15/2011 ISRG $448.77 224,500 Medical Appliances Equipment
11/15/2011 MA $371.33 888,800 Business Services
11/15/2011 PNRA $137.75 335,200 Specialty Eateries
11/15/2011 GR $123.35 1,435,900 Aerospace Defense Products
S... 阅读全帖 |
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y*****n
发帖数: 5016 | 22 1． 在业界里做模型，变量的选定要考虑business sense, 即每个变量都必须有比
较好解释的business上的含义。所以，不是每个变量都可以随意transform的。比如说
，也许你发现在regression 里用FICO的log form 比FICO本身significant, 但是你能
用FICO的log form作为模型的一个变量吗？ log(FICO)在business上是啥意思？所以，
不用浪费时间，你老板是不会认同的。
2． 也许你在想理论上怎么样怎么样，但是业界里做模型的实际情况是：如果一个
变量自身在regression 里不significant的话，那么怎么transform都是不会变成非常
significant的。
3． 如果你一开始有好几百个变量，如果每个都去试各种不同的transformation的
话，是根本不可行的，不管是对你还是对机器来讲。
4． 所以，我的做法是：首先都用变量original form (有eminer的同学可以用
interactive grouping 变成 woe)做variable sele... 阅读全帖 |
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a**t
发帖数: 57 | 23 菜鸟好不容易有个PHONE INTERVIEW，之后给了题让坐做完发回去，高手们其帮忙给个
解答，第9题以后开始就行了，也许其他人也可用上。
The test below is designed to gauge your level of SAS experience. Feel free
to reference any sources of help (SAS documentation, etc.) you would
normally use in the course of developing code. We are looking for your
general knowledge of concepts, so please DO NOT spend too much time trying
to perfect minor details of syntax. We understand that writing code without
the chance to run it to discover errors can be difficult.
The ... 阅读全帖 |
|
g**1
发帖数: 10330 | 24 车行查信用 华男一天被扣100分
记者王靖雯／纽约报导 2017年04月16日 06:06
4580
人气
小 中 大
汤建洲表示，美国社会最常用的FICO信用绩分700分才是理想的成绩，800分以上是最
优的。(记者王靖雯/摄影)
汤建洲表示，美国社会最常用的FICO信用绩分700分才是理想的成绩，800分以上是最优
的。(记者王靖雯/摄影)
赵琦说信用评分方法中，准时还款和每月使用少于三成的信贷限额占分最重，分别主
宰35%和30%的信用分数。(记者王靖雯/摄影)
赵琦说信用评分方法中，准时还款和每月使用少于三成的信贷限额占分最重，分别主宰
35%和30%的信用分数。(记者王靖雯/摄影)
布碌仑社联会和五洲信用修复中心15日在日落公园举办“信用修复工作坊公益讲座”，
讲解华人关注的楼宇买卖信用问题、信用评分方法、信用优劣对生活影响、以及如何修
复不良信用记录。对于华裔民众指出买车时被车行查询信用，一天之内被扣100分，专
家建议到信用局(Credit Bureau)修复信用，撤销错误资料。
社联会董事、五洲信用修复中心创办人汤建洲表示，信用不好将对生活各个层面产生负
面影响，可是... 阅读全帖 |
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d****2
发帖数: 6250 | 25 同学，你们看的都不是真正的fico score，fico算法是保密的，三大的都是山寨版的。
dealer查的才是真的fico score. |
|
t*****n
发帖数: 703 | 26 741 is not a high FICO score these days, what is your median FICO score?
Some dealer can only approve FICO >750 or 760. Different bank have different
policy.
You can go to Honda website to apply for the preapproval online.
http://www.hondafinancialservices.com/
You can try to buy the car online also.
graduate, |
|
M**3
发帖数: 186 | 27 Wow, that's pretty significant... makes me want to check fico score now.
By the way, is fico one of the following three: Experian, Equifax and Trans
Union. Or it is the median of the three?
Not sure if this is gonna be a second pull on my credit score, if I check
fico. If that is the case, I am reluctant to do that at this point. |
|
r******e
发帖数: 289 | 28 Market still stays flat after Thanksgiving Holiday although a weak
improvement is seen. No long-term signal could be seen at this time as a
jittery stock market due to the worries of European debt is not strong
enough to make falling rates sustainable.
义腾贷款，请听1300AM或电626-538-5688了解我们
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.375 3.750 3.125
Refinance Loan 4.500 3.875 3.375
The rates are based on criterion below and... 阅读全帖 |
|
r******e
发帖数: 289 | 29 义腾贷款，请听1300AM或电626-538-5688了解我们
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.375 3.750 3.000
Refinance Loan 4.500 3.875 3.250
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impou... 阅读全帖 |
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r******e
发帖数: 289 | 30 Higher unemployment rate dampens the hope of stock traders. As a result of
that, we see slight bounce back of the mortgage loan rates. Generally,
market information is still mixed as it will take more time for traders to
digest news of higher-than-expected unemployment rate.
义腾贷款(Direct lender)，请听1300AM或电626-538-5688了解我们
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.500 3.875 3.125
Refinance Loan 4.625 4.000 3.250
The rates ... 阅读全帖 |
|
r******e
发帖数: 289 | 31 Market leaves Mr. Bernanke alone!
义腾贷款(Direct lender)，请听1300AM或电626-538-5688了解我们
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.500 3.875 3.125
Refinance Loan 4.625 4.000 3.250
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate ch... 阅读全帖 |
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r******e
发帖数: 289 | 32 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.125
Refinance Loan 4.875 4.250 3.375
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Bala... 阅读全帖 |
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j*******0
发帖数: 347 | 33 The rejection of Obama's extension of tax bill in the House ease the bill's
pressure on the mortgage market, but it is unclear if this is a just a
political snub.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.125 3.250
Refinance Loan 4.750 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is n... 阅读全帖 |
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r******e
发帖数: 289 | 34 Not much change from yesterday. Coming Tuesday Feds will have meeting to
evaluate its bond-purchasing impact. Purchase-loan clients should pay
attention to that. And another big thing will be if the extension of Bush-
area tax bill will be passed.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.625 4.125 3.250
Refinance Loan 4.750 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan... 阅读全帖 |
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r******e
发帖数: 289 | 35 The Feds is purchasing bonds with the injection of around 8 billion. Do not
assume the balance will be staying for next few days. The passage of tax
bill or the comments from Fed's meeting hold tomorrow can easily tilt the
direction again.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, F... 阅读全帖 |
|
r******e
发帖数: 289 | 36 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.375
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k... 阅读全帖 |
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r******e
发帖数: 289 | 37 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.375
Refinance Loan 5.000 4.375 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpo... 阅读全帖 |
|
r******e
发帖数: 289 | 38 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 5.125 4.375 3.500
Refinance Loan 5.250 4.500 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 39 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 5.000 4.250 3.375
Refinance Loan 5.125 4.375 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 40 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 41 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.375
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 42 update at 12pm
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.375
Refinance Loan 5.000 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Pur... 阅读全帖 |
|
r******e
发帖数: 289 | 43 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.375
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 44 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.375
Refinance Loan 5.000 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 45 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.500
Refinance Loan 5.000 4.375 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 46 Lack of volume and activity makes the market quite stable.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.500
Refinance Loan 5.000 4.375 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and othe... 阅读全帖 |
|
r******e
发帖数: 289 | 47 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.625
Refinance Loan 5.000 4.375 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 48 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 49 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.500
Refinance Loan 5.000 4.375 3.750
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
|
r******e
发帖数: 289 | 50 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.250 3.500
Refinance Loan 4.875 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan ... 阅读全帖 |
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