t*a
发帖数: 18880 | 1 建议斑竹给SETI, 大膀，hkmbb等好同志们发大包子...
被回答问题过的同学re下支持?:P |
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d*****r
发帖数: 39446 | 2 【此篇文章是由自动发信系统所张贴】
hkmbb 已经成为本俱乐部的正式成员, 特此通知. |
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d*****r
发帖数: 39446 | 3 【此篇文章是由自动发信系统所张贴】
hkmbb 已经退出本俱乐部, 特此通知. |
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d*****r
发帖数: 39446 | 4 【此篇文章是由自动发信系统所张贴】
hkmbb 已经退出本俱乐部, 特此通知. |
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d*****r
发帖数: 39446 | 5 【此篇文章是由自动发信系统所张贴】
hkmbb 已经成为本俱乐部的正式成员, 特此通知. |
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d*****r
发帖数: 39446 | 6 【此篇文章是由自动发信系统所张贴】
hkmbb 已经退出本俱乐部, 特此通知. |
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d*****r
发帖数: 39446 | 7 【此篇文章是由自动发信系统所张贴】
hkmbb 已经退出本俱乐部, 特此通知. |
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d*****r
发帖数: 39446 | 8 【此篇文章是由自动发信系统所张贴】
hkmbb 已经成为本俱乐部的正式成员, 特此通知. |
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h***b
发帖数: 1233 | 9 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Irvine RE Non-Standard Sales as of 02/28/11
关键字: real estate,MLS,short sales,REO,irvine
发信站: BBS 未名空间站 (Fri Mar 11 15:08:19 2011, 美东)
Month Active AvePx/sf Closed AvePx/sf
SFR < $500k
11-10 02 $334 00 $-
12-10 02 $283 04 $281
01-11 03 $325 03 $316
02-11 02 $279 01 $259
Condo < $500k
11-10 16 ... 阅读全帖 |
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h***b
发帖数: 1233 | 10 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Mtg Rate Update 贷款利率动态 06/29/11 ▲
关键字: real estate,mortgage,loan,interest,irvine
发信站: BBS 未名空间站 (Wed Jun 29 14:58:56 2011, 美东)
Below is a summary on mortgage rates as of 06/29/11**:
**Worsened Rates/Pricing in Effect**
*****Refinance Loan***** (no costs to borrower)
Loan Amt 30Yr Fixed 15Yr Fixed 5/1 ARM 10Yr Fixed
≤417K 4.500% 3.875% 3.250% 3.375%
APR 4.500% 3.875% ... 阅读全帖 |
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h***b
发帖数: 1233 | 11 【 以下文字转载自 DIY 俱乐部 】
发信人: hkmbb (hkmbb), 信区: DIY
标 题: DIY project
关键字: house,diy,REO,project,bank owned
发信站: BBS 未名空间站 (Wed Oct 6 11:33:54 2010, 美东)
刚刚看到一个 Listing，是银行屋。有兴趣的 DIY 发烧友，可以考虑看看。
将会是一个超级 DIY project!
附上 House "Before" and "Possible After" 照片。 =) |
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h***b
发帖数: 1233 | 12 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: 影子库存 Short Sale, Foreclosure, and In-Between
关键字: short sale,foreclose,shadow inventory
发信站: BBS 未名空间站 (Mon Oct 4 14:15:10 2010, 美东)
很多都听过 Short Sale (SS) or Foreclosure (FC). There's something in-
between, namely "Shadow Inventory" （影子库存）
当 owner 卖房得到的钱少于房贷时，称之为 SS. e.g. sale proceeds $100k;
mortgage (房贷) $120k; 即使把所有的钱全交给银行,it's still short of $20k.
此为 "short" sale 名称的来源。 SS 要得到银行的批准--理由是银行必须 take the
loss on the "short" balanc... 阅读全帖 |
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h***b
发帖数: 1233 | 13 【 以下文字转载自 OrangeCounty 俱乐部 】
发信人: hkmbb (hkmbb), 信区: OrangeCounty
标 题: Pascal in Fashion Island
关键字: restaurant,food
发信站: BBS 未名空间站 (Mon Nov 1 15:20:03 2010, 美东)
周日经过 Fashion Island 看到 Pascal (French restaurant) 门口竖了招牌，$10
menu--简直不相信自己的眼睛。走进去再问waiter,的确有四样菜是 $10 each--牛排，
羊排，大虾，和三文鱼。我们三个人，１-４全点了。味道很好，portion 好象小了点
。不过吃汉堡都要$6-7, 这Pascal可是很正式的餐馆，绝对值得。向大家推荐。nice place for a hot date!!! :p
http://pascalnpb.com/ |
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h***b
发帖数: 1233 | 14 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: 11/09/10 今天利率显著上涨
关键字: QE2,interest rate,credit rating
发信站: BBS 未名空间站 (Tue Nov 9 16:09:12 2010, 美东)
今天利率和昨天比，显著上涨。
看到一条关于中国信誉评级公司把美国国债 downgrade (from AA to A+)的新闻，主要
理由是联储推出的新一轮 $600B Quantitative Easing 政策。
中国对美国以致西方国家经济的影响，再次显现。
http://www.cnbc.com/id/40094538 |
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h***b
发帖数: 1233 | 15 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Rising Mortgage Rates... What Next? ～１～
关键字: real estate,mortgage,interest,economy
发信站: BBS 未名空间站 (Wed Dec 8 15:41:35 2010, 美东)
Mortgage rates have been on the rise since hitting recent lows in late
August. Even Federal Reserve's 2nd round of Quantitative Easing (QE2)
policy has not altered the uptrend. many have asked whether rates will
continue to march higher or return to its record low levels?
写了一些我自己的看法，加上美国政府30年国债的走势图。请访问我的 ... 阅读全帖 |
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h***b
发帖数: 1233 | 16 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Rising Mortgage Rates... What Next? ~2~
关键字: real estate,mortgage,interest,economy
发信站: BBS 未名空间站 (Tue Jan 11 15:10:03 2011, 美东)
http://www.mitbbs.com/pc/pccon_8557_150763.html |
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h***b
发帖数: 1233 | 17 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: 1st Meaningful Rate Deline in Weeks 02/22/11
关键字: SFR,real estate,mortgage,loan,interest
发信站: BBS 未名空间站 (Tue Feb 22 14:09:10 2011, 美东)
main reasons for the drop are:
1. tension in Middle East--it's been brewing for months since the unrest
started in Tunisia, Egypt, Jordan, etc. as it spreads over to other nations
, including major "oil-producing" country like Libya, ppl start to hedge
themselves by taking profits off table in the eq... 阅读全帖 |
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H******7
发帖数: 34403 | 18 这个dependent和报税时的dependent是两回事吧，因为报税时spouse不是dependent
【
在 hkmbb (hkmbb) 的大作中提到: 】
HR |
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h***b
发帖数: 1233 | 19 【 以下文字转载自 OrangeCounty 俱乐部 】
发信人: hkmbb (hkmbb), 信区: OrangeCounty
标 题: hiking in laguna beach
关键字: hiking
发信站: BBS 未名空间站 (Sat Jul 2 22:27:53 2011, 美东)
Anybody interested in hiking & watching fireworks in laguna beach on 4th of
July? |
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h***b
发帖数: 1233 | 20 【 以下文字转载自 Living 讨论区 】
发信人: hkmbb (hkmbb), 信区: Living
标 题: Quantitative Easing QE2--it's official
关键字: economy
发信站: BBS 未名空间站 (Wed Nov 3 15:52:35 2010, 美东)
The federal reserve concluded its 2-day meeting and officially announced the
much-anticipated Quantitative Easing QE2--buying another $600,000,000,000
worth of US government's own bonds (treasury bonds) by mid 2011. where's the
$600B come from? ***printing*** that's 6,000,000,000 pieces of $100 bill.
1st round of QE was in 2009 and brought ... 阅读全帖 |
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h***b
发帖数: 1233 | 21 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Irvine RE Non-Standard Sales as of 01/31/11
关键字: short sales,REO,MLS,real estate
发信站: BBS 未名空间站 (Mon Feb 14 19:13:55 2011, 美东)
Month Active AvePx/sf Closed AvePx/sf
SFR < $500k
11-10 02 $334 00 $-
12-10 02 $283 04 $281
01-11 03 $325 03 $316
Condo < $500k
11-10 16 $282 23 $306
12-10 16 $29... 阅读全帖 |
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h***b
发帖数: 1233 | 22 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Mortgage Rate Update 贷款利率动态 03/17/11 ▲
关键字: SFR,real estate,mortgage,loan,interest
发信站: BBS 未名空间站 (Thu Mar 17 14:16:33 2011, 美东)
Market Commentary: Bond & equity mkts are driven primarily by news, or the
lack of, from Japan the past few days. whether the nuclear leak situation
deteriorates further will dictate the short term mkt direction--if gets
worse, bond will attract more buying and thus lower rates.
Below is a summary on mortg... 阅读全帖 |
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h***b
发帖数: 1233 | 23 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: Mortgage Rate Update 贷款利率动态 03/28/11 --
关键字: real estate,mortgage,loan,interest,irvine
发信站: BBS 未名空间站 (Mon Mar 28 15:29:10 2011, 美东)
Below is a summary on mortgage rates as of 03/28/11**:
*****Refinance Loan***** (no costs to borrower)
Loan Amt 30Yr Fixed 15Yr Fixed 5/1 ARM
≤417K 4.875% 4.250% 3.625%
APR 4.875% 4.250% 3.625%
≤729K 5.000% 4.375% 3.875%... 阅读全帖 |
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h***b
发帖数: 1233 | 24 【 以下文字转载自 Living 讨论区 】
发信人: hkmbb (hkmbb), 信区: Living
标 题: Weak US economic data...
关键字: real estate,mortgage,interest,economy,irvine
发信站: BBS 未名空间站 (Wed Jun 1 14:49:22 2011, 美东)
Weak US economic data confirmed recovery has slowed down dramatically--
1. GDP growth was @ 1.8% in Q1;
2. ADP private sector job report shows addition of only 38k jobs vs ~200k in
prior months;
3. manufacturing activities report (ISM) declined in May to 53.5% vs 60.4%
in April( < 50% reading indicates contraction), l... 阅读全帖 |
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h***b
发帖数: 1233 | 25 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (言之有屋), 信区: charles
标 题: Selling clmaxed? Mtg Rate 贷款利率 08/11/11 ▲▲
关键字: real estate,mortgage,interest,economy,irvine
发信站: BBS 未名空间站 (Thu Aug 11 17:53:40 2011, 美东)
Commentary: selling in stk mkt may have climaxed... seeing major bank
names dropped 15% and portfolio value went down 5% in a single day is too
much for average ppl. sooner or later, ppl will give up hope and go into
100% cash... but wait perhaps that's exactly the "smart money" wants to see
. ... 阅读全帖 |
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h***b
发帖数: 1233 | 26 【 以下文字转载自 Living 讨论区 】
发信人: hkmbb (言之有屋), 信区: Living
标 题: Re: Downpayment 的多寡
发信站: BBS 未名空间站 (Mon Aug 15 19:56:22 2011, 美东)
要考虑的是 opportunity cost （机会成本）
放足够 down pay， 避免贷款保险和拿到最好利率之外，要不要多放，取决于多余的钱
有没有更好的回报！
贷款利息是固定的，扣除税务上的优惠（tax deductible），是净支出（cost）
钱也可以投资（机）债券，股票，黄金，银行定存等。除了定存是有固定的收入（
return ～0%），其他都有风险，可赚也可赔。
多放 down pay 可以省下利息支出 （肯定的），换取投资可能带来的利润 （不肯定的
）。
股市从 7/21 的近期高点 （Dow @ ～12700）急泻 2000 点 （～10700），又从 8/10
至今短短 3天反弹 ～700点 （～11400），一来一回，潜在的利润（或亏损）非常惊人
，无法和利息支出这些小钱相提并论！ 能否灵活掌握，答案是"木宰羊".... 阅读全帖 |
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h***b
发帖数: 1233 | 27 size-wise, make sure rug is big enough to "contain" the table and the chairs
(don't want to have legs of the chairs placed outside of the rug)--roughly
extra 2 ft wider and longer than the size of the table.
i can't make it at my home so i pulled the rug all together.
getting used to it w/o the rug... collecting lots of dirt and dust any ways.
.. :p
欢迎访问＂言之有屋＂IRVINE Mortgage & RE俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles.html
http://www.mitbbs.com/pc/index/hkmbb |
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h***b
发帖数: 1233 | 30 简单点讲就是资不抵债--把卖掉房子的钱全给 lender 都不够欠的多。
因为这样，屋主不能决定卖还是不卖，需要 lender 的 approval。所有 short sale
都有 "subject to lender approval" 的字眼。
＂Approval＂的过程可长可短，一般3-6月，最后结果可以是yes, approved,也可以是
no, declined. 运气好只需要一个 lender approval，运气不好，有1st, 2nd, maybe
3rd lender (lien)--1st mortgage, 2nd mtg + equity line...
如果是short sale ，基本上 2nd (and/or 3rd) 已经被 wipe-out。也就是说没甚么
incentive 去和 1st 合作，到最后，deal declined，随之而来的是 foreclosure...
欢迎访问＂言之有屋＂ Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles.html... 阅读全帖 |
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h***b
发帖数: 1233 | 36 the report looks clean but inspection usually doesn't go very deep. mostly
by visual and performance of a few simple tests.
on the other hand, if there's any "material" defect or deficiency, seller
supposed to disclose. compare the report to seller's disclosure documents
to get more clue. another thing is to look for water damage (mold--this is
another big issue w/ insurance co), may not be obvious again... :)
欢迎访问＂言之有屋＂Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsdoc/charles... 阅读全帖 |
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x****i
发帖数: 353 | 37 Much appreciate, hkmbb!
I am asking for purchase, not refi. My loan officer told me she normally
gets response from bank within 5 business days or sooner, sometime it could
be 1~2 days. Is it reasonable?
My application was submit on Nov 10th and I haven't got any update so far.
However I was asked to provide a commitment letter to seller by Nov 26th and
close the deal on Dec 8th. Is it risky?
My loan officer keeps telling me my case is strong, but I still feel upset. |
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h***b
发帖数: 1233 | 38 sorry. purchase file is much faster--has priority over refi.
5 biz days for underwriting should be ok. 1-2 days may be wishful tho :p
Commitment by Thanksgiving sounds reasonable, too, if your package is
complete, appraisal comes back ok, and no unusual conditions to meet. close
by 12/8 is a bit rush but doable. I would however ask for 45-day escrow
just to be safe.
relax, i wouldn't worry too much if you got good credit, sufficient down pay
, & qualified income. the process takes a while ... 阅读全帖 |
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d**********e
发帖数: 8 | 39 谢谢hkmbb 和dypann. 我的seller要求我一个月之内close，有些没底，所以上来问问
，今天我的mortgage公司和你们说的一样 ，看来银行看来30天左右是有可能的，就是
需要自己stay on top of it. :) 准备接受countet offer 啦，，谢谢你们。 |
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h***b
发帖数: 1233 | 40 Situation w/ Japan's nuclear leakage seems to be deteriorating--overnight
stk mkt was down >11%, the worst 2-day decline (~17%) in decades... also
triggered big sell-off in Asia. US stocks are down 2% this AM and bond mkt
is rallying amid these uncertainties. Int rates dropped to their lowest
level in 6 wks.
Below is a summary on mortgage rates as of 03/15/11**:
*****Refinance Loan***** (no costs to borrower)
Loan Amt 30Yr Fixed 15Yr Fixed 5/1 ARM
≤417K 4.750% 4.000... 阅读全帖 |
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h***b
发帖数: 1233 | 48 that explains the delayed response...
in a way, short sale doesn't make the prop cheaper--owner could've cashed
out at peak (say 100% LTV--stupidity on the bank) and any decline in value
would make it a short sale.
back to your offer, obviously you did your home work--the extra $10k
reduction was due to add'l disclosure--i assume it would be sufficient to
compensate. so, the fact it now turns into a short sale, seems to me, bares
no effect one way or the other on the price. only diff is it may... 阅读全帖 |
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