W***i
发帖数: 833 | 1 Borrowers with good credit fuel foreclosures in 1Q
http://finance.yahoo.com/news/12-pct-are-behind-on-mortgage-apf-15370955.html
NEW YORK (AP) -- The mortgage crisis is spreading and hitting new heights:
Borrowers with good credit now make up the largest share of foreclosures as
job losses and pay cuts exact their toll.
"A record 12 percent of homeowners with a mortgage are behind on their
payments or in foreclosure as the housing crisis spreads to borrowers with
good credit. And the wave of for |
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d*****m
发帖数: 6 | 2 快CLOSING了, MORTGAGE 成了一个大问题?!!
刚买了房子, 不知道是该 10% DOWNPAY 还20% DOWNPAY. 因为现在还不是绿卡, 加上房
子还没见底, 所以觉得放了20% 就没回头路了. 放 10% 到时候真不行, 也就亏少点.
我的想法是 一两年后, 等经济好点, 我觉得自信了, 就可以把20% 付掉. 这样一来就
不用付 MORTGAGE INSURANCE 了.
如果这样的话, 那我的闲钱着么办了? 我的AGENT 说可以用来投资, 只要回报超过 5.5
%, 就可以了. 因为现在MORTGAGE RATE 特低.
大侠们说, 我的AGENT 说的对吗? 有那么容易找到 超过 5.5% 的投资回报吗?
多谢了!! |
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O***C
发帖数: 1219 | 3 Let us say: the house value is $200K, I put 40K in down payment.
Can I take a mortgage mucher higher than 160K (=200K-40K), like 400K for
example?
If yes, is there any additional charges for the higher portion of the
mortgage?
The interest of mortgage can exempt for federal tax. So maybe it worth to
use the extra money to do some investment, like stocks, bonds, et al.
Anyone have some experience about this?
Thank you very much for any comment! |
|
w*****a
发帖数: 243 | 4 Hi,大家好！
我刚毕业，现在在学校工作，工作比较稳定，学校在Virginia西北部，距离D.C.将近两
个小时。我想在local买房。我现在身份是 H1-b。请问各位XDJM一些买房的问题。
1.如何找mortgage?现在最好的mortgage rate是多少？我学校的地方是个小城市，银行
不多。mortgage 是national的，还是local 的？有什么网站可以推荐吗？
2. 我目前身份是H1-b.我应该如实说吗？我在美国呆的时间远大于五年，填的税表是
1040 for permanent resident.有什么银行对身份没这么敏感的？
多谢各位赐教！！！ |
|
M***0
发帖数: 1180 | 5 【 以下文字转载自 Money 讨论区 】
发信人: May20 (I love sunshine state), 信区: Money
标 题: CC Balance Transfer to Pay Mortgage in China?
发信站: BBS 未名空间站 (Wed Nov 23 09:56:26 2011, 美东)
My property mortgage in China is 8%+APR
I am offered 0%APR for 1 or 1.5 year(3% transfer fee) on my several Credit Cards
here, total amount available is tens of thousand USD.
Is it money wise to borrow money from CC here to pay mortgage in China? Any
downside of doing it?
Thanks! |
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s********u
发帖数: 1054 | 6 The current rules say that one can not have more than 4 mortgage loans.
In addition, the underwriter would look at your debt to income ratio
seriously. (Different banks or mortgage firms might have slightly different
rules though.But generally speaking, if you want to get very good loans with
implicit government guarantee, the rules are tight. )
As a result, it might be difficult to get 4 loans at the same time. ( Do not
lie to banks.It would be stupid to apply 4 loans at the same time and lie
... 阅读全帖 |
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s********i
发帖数: 6 | 7 其实我们找mortgage company的原则并不是找最低的rate，而是找一个可靠而rate合理的
。当时的感觉就是这个人给的rate并不是最低的，因为是朋友推荐的，所以没有怎么shop
around就决定用它了。
所有的mortgage person的嘴脸都是一样的，开始的时候热情无比，无论怎样都不觉得麻
烦；然而等commitment letter出了之后，再通电话的时候就慢慢感觉到其不耐烦的情绪
了。刚开始我还以为是我自己太敏感，今天发生的事情真真切切认证了我的感觉。事情是
这样的：
因为shopping around的时候，很多mortgage person都同意waive一部分closing cost，
在决定用这个人之前问之，她一口答应下来；然而她并没有纪录在系统里，所以在settle
ment company传真过来的closing cost estimate上，我根本没有发现有哪比费用waive掉
了。于是几天前打电话问之，她说她忘了，回头会改过来。今天我的agent给我打电话的
时候我提到了这一点，偶agent让我打电话再make
sure。我想也是啊，再过不久就 |
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g*k
发帖数: 92 | 8 http://www.aarp.org/money/financial_planning/sessionseven/payoffmortgage.html
By the National Endowment for Financial Education
Many of us dream of retiring debt free with a nest egg large enough to
sustain us in our later years. For many, this dream involves paying off a
home mortgage. Let's assume that you have available funds-from an
inheritance, lump sum payment, or sale of property, for example. Should you
use that money to pay off your mortgage? The option of paying off your
mortgage has b |
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u*u
发帖数: 14949 | 9 mortgage or refinance:
mortgage
mortgate type, e.g., 30 Yr fixed, 3/1 ARM:
30 Yr fixed
mortgage rate:
5.0%
point:
with 0 point
closing fee/cost:
$1376
closing/lock/inquiry date:
locked in 28 days
state:
WI
comments, e.g., down payment percentage:
loan amount: ~$200K
down payment: ~50K |
|
o**n
发帖数: 252 | 10 mortgage or refinance:
Mortgage
mortgate type, e.g., 30 Yr fixed:
30 Yr fixed
mortgage rate/total amount:
4.875%
point:
0
closing fee/cost:
$2300
closing/lock/inquiry date:
18 days
state:
TX
comments, e.g., down payment percentage:
20% downpay |
|
w*****a
发帖数: 243 | 11 Hi,大家好！
我刚毕业，现在在学校工作，工作比较稳定，学校在Virginia西北部，距离D.C.将近两
个小时。我想在local买房。我现在身份是 H1-b。请问各位XDJM一些买房的问题。
1.如何找mortgage?现在最好的mortgage rate是多少？我学校的地方是个小城市，银行
不多。mortgage 是national的，还是local 的？有什么网站可以推荐吗？
2. 我目前身份是H1-b.我应该如实说吗？我在美国呆的时间远大于五年，填的税表是
1040 for permanent resident.有什么银行对身份没这么敏感的？
多谢各位赐教！！！ |
|
C*******d
发帖数: 15836 | 12 Not totally right.
If your itemized deduction, which includes mortgage interest, is lower than
your standard deduction, you should not claim it at all. In that sense your
mortgage interest has no tax benefit at all. If your itemized deduction is
larger than your standard deduction, only the extra part of interest
ACTUALLY has tax benefit. As a result, for many people, the tax benefit of
mortgage interest is very limited. |
|
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R**a
发帖数: 190 | 14 贷款是wells fargo发的，昨天上wells fargo的网站set up auto pay，
给了另一个银行账号，routing number，设定的转钱日期是每月due date。
今天是第一个due，却没见到mortgage pay 到帐。只收到一个wells fargo
来得email：
Dear Customer:
We have received your inquiry about automatic payments to
your Wells Fargo Mortgage account. Thank you for contacting
us. You will be receiving an email response from us, regarding
your inquiry.
Sincerely,
Wells Fargo Home Mortgage
这是啥意思？
另外，上个月13号close的，为什么这个月1号due，而不是13号？ |
|
s*k
发帖数: 2941 | 15 From wiki:
A blanket loan, or blanket mortgage, is a type of loan used to fund the
purchase of more than one piece of real property. Blanket loans are popular
with builders and developers who buy large tracts of land, then subdivide
them to create many individual parcels to be gradually sold one at a time.
Rather than securing a new mortgage each time a portion of the development
is sold, the borrower uses the blanket loan to buy them all. Once a parcel
is sold, a portion of the mortgage is rele |
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b********r
发帖数: 59 | 16 close之后第一次付mortgage
我的checking和mortgage loan account都是Bank of America
请问我可以直接用online banking从checking transfer么?
还是必须为mortgage account建一个payee
然后再用online payment?
(BoA的online banking作的真差呀) |
|
c***f
发帖数: 290 | 17 如果两三年之内或联储调高利率的时候就把所有的mortgage还清，是不是应该借
interest only的floating rate mortgage? 这个利率是不是每个月都会浮动？是根据
Fed Fund Rates挂钩的吗？
没借过mortgage，请这里的同学指点一下，谢谢。 |
|
m****h
发帖数: 261 | 18 这个mortgage lender听说过吗？shore mortgage.口碑如何？4.5% 30 fixed no points
no fees 如何？谢谢
对，我还没有under contract,但是这个lender说可以lock 90 天，mortgage guaranteed,
这个有问题么？
网上看到这个ezz financial 15 fixed 只有3.75% with 2 discount points.这个lender
又如何？多谢~ |
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l****1
发帖数: 195 | 19 mortgage lender选择中-新泽西中部,请提供comments或推荐
1. John Huang
2. mary Yu
3. Jordan Zhou
4. Wei Zhao
如果哪位房检是用的以上的mortgage lender，请告知是否推荐。着急选择中，请速答
复，非
常感谢。或者也可推荐其他的mortgage lender.
另外，以上几位有的是broker，有的是lender(银行的employee)，请问找那种贷款保险
（利率好，手续简单） |
|
p*****r
发帖数: 595 | 20 Bloomberg
Mortgage-Bond Yields That Guide Loans Soar Most Since December
March 24, 2010, 6:06 PM EDT
By Jody Shenn
March 24 (Bloomberg) -- Yields on Fannie Mae and Freddie Mac mortgage
securities jumped the most in almost four months as rates on benchmark U.S.
government notes soared after a record- tying Treasury auction, signaling
rising borrowing costs for new home loans.
Yields on Fannie Mae’s current-coupon 30-year fixed-rate mortgage-backed
securities climbed 0.17 percentage point to 4.5 p |
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a*********h
发帖数: 306 | 21 Because mortgage application takes a long time, is it common to apply first
and then lock rate later?
But if we sign the application, then we must be responsible for application
fee and appraisal fee. Then the lender can take that advantage to give us
higher rate. And we may completely lose our advantage to choose the lowest
cost mortgage at the beginning.
Or should I just trust that a lender should be a person who keeps the word
to always give us the most competitive mortgage rate? (so far I on |
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s**********d
发帖数: 36899 | 22 foreclosure auction一般要一到七天内付清，没有时间做
mortgage，所以要有钱才行。
foreclosure auction没买掉的成为REO (bank owned)，
就正常买卖了。
mortgage没付清的房子，除非short sale否则正常买卖。
一般房子都有mortgage。 |
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x***i
发帖数: 395 | 23 新公司的relocation package说提供mortgage assistance，说是给找agent，然后rate
低啊什么的。结果昨天一个agent打电话给我说聊聊。我就问他一下如果我直接找他和
通过公司的relocation package找他有什么区别么，他说也没啥区别，这种情况下，我
还急需要跟他谈么？还是自己回头在单独选一个agent？公司给找的agent帮助会很大么
另外，这个agent说他会近期给我出个report，算算贷多少钱，每个月还多少钱之类。
他说会pull信用记录，不过mortgage pull信用记录只要3月个内不超过一次，是不减分
数的，这种说法对么？他还说很多人买车的时候mortgage不注意，结果让dealer一下子
从不同银行
pull好几个记录，减了很多分，求证下这两种说法。
谢谢 |
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r******d
发帖数: 1879 | 24 Obama proposed 2011Yr bugget
"As currently drafted, the plan changes the Mortgage Interest Deduction by
reducing the amount of mortgage deductibility on families earning over $250,
000 (AGI), and on single tax payers earning over $200,000 (AGI)."
and this bugget must be past by the senenate. (am I right here?)
Bush's administration actually tried several times to totally eliminate the
mortgage interest deduction. |
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y**a
发帖数: 39 | 25 My current mortgage bank is Chase, and my mortgage is simple interest, but
my payment is due monthly. I have 15 days grace period. My question is if I
pay my monthly mortgage after the due date but still within the grace period
, will it affect my overall interest and principal?
Thanks. |
|
n*******e
发帖数: 55 | 26 Thanks a lot for all the sharing. It really reassures my mind. :-) Hope I
will have a speedy and trouble-free mortgage process with them like you guys
did. :-)
I just felt weird last night when my mortgage broker asked me for SSN card
copy. Is this normal in mortgage process?
To linnil, I am in NY metropolitan area. How was your rate with them in
Seattle? |
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s********e
发帖数: 893 | 27 Refinance second home，Bank of America的online agent给做的。搞了两个多月了，
眼看要close了，结果今天收到这样一封信。
An issue came up with the mortgage tax for Maryland, which cannot be waived
on the refinance of a second home. We only discovered this when we got the
title report from the closing agent in MD last week. The mortgage tax that
must be charged on your loan is $4374.90. The loan was originally quoted
with mortgage tax of $1150.
23万的loan，2个月前给的closing worksheet里面有个$1150的city or county tax
stamp.
GOVERNMENT RECORDIN |
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c*******r
发帖数: 209 | 28 condo, 15年的mortgage利率是4.875%(5年前贷的）。因为condo delinquent比例高于
15%，找不到银行做refinance.
房子估价25万，还欠银行18万mortgage。打算用现金先还8万，然后开个home equity借
出10万将mortgage还清。home equity上借的10万计划用3年还清。请高人帮着看看这样
的计划有什么问题没有？home equity的利率现在是多少？
多谢 |
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R******d
发帖数: 1305 | 29 Corrected version
我有一个 home mortgage 15 fixed 和一个 equity loan variable rate，
我想重新refinance 一个 15 yrs fixed home mortgage to pay off both home
mortgage and equity loan
问了一个银行说这样要给fannie may 付 cash-out delivery fee，
if your credit is >750, then fee=0.5%*loan amount
另外一个broker, 给的rate低，还是no cost，但是告诉我不用付任何的delivery fee，because paying off the equity is not a cash-out loan
那个说的对的？要是没有extra fee，那我当然选broker了
请高人指教，包子感谢！ |
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s**********c
发帖数: 101 | 30 Generally speaking, yes. Mortgage broker could get a better APR since
eventually they will sell to a big bank as a whole with packaging many
mortgages. Shop around mortgage with at least 3 brokers and you will get
better one. You can go to my website: http://www.agentgather.com to find some brokers:-). |
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r******e
发帖数: 289 | 31 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 |
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r******e
发帖数: 289 | 32 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 | 33 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 | 34 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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h***b
发帖数: 1233 | 35 【 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***i
发帖数: 427 | 37 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: hotli (死囚), 信区: SanFrancisco
标 题: billpay mortgage account #是不是就是loan #?
发信站: BBS 未名空间站 (Tue Jan 4 23:36:02 2011, 美东)
【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: hotli (死囚), 信区: TonyXuClub
标 题: billpay mortgage account #是不是就是loan #?
发信站: BBS 未名空间站 (Tue Jan 4 23:35:37 2011, 美东)
wells fargo的mortgage. |
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t*********l
发帖数: 326 | 38 看中了一个房子决定下offer，结果下午带齐了各种income证明去mortgage company弄
preapprove的时候卡住了，说是我们情况特殊（两人phd在读，正常semester拿奖学金
，每年暑假都在系里做part time instructor，所有income加起来没有太多但也差不多
相当于当地一份基本的正式工作），这些之前去问得时候都说没有问题，但是今天
check所有document的时候发现I20上写着program2013年到期，就是按正常phd 5年毕业
算，现在就剩下两年半了，mortgage的人说这个需要明天仔细问问银行还是什么更高一
级的人，不太记得了，目前来看这是唯一可能出现问题的地方，而且也做不了什么去弥
补，所以现在开始担心拿不到loan，请问大家可曾有过或知道被拒之后另找一家
mortgage成功的例子吗？谢谢~~ |
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K****z
发帖数: 405 | 39 • Very Competitive Adjustable or Fixed Rate Mortgages
• Refinance Up to 105% w/o Mortgage Insurance, if qualified
• Primary or Second Home, Investment Property (up to 4 units)
• Lines of Credit Available (Fixed or Home Equity Line)
• Free Escrow Waiver (optional)
• NO CLOSING COSTS, Purchase or Refinance
• Excellent Customer Service, Let Us Come to you
• Evening & Weekend Appointments that fit your schedule
• Free E... 阅读全帖 |
|
g*******m
发帖数: 182 | 40 今天刚lock了rate, 5%, 30年。不高也不低，心里能承受，主要是loaner我们比较放心。
我们downpay只有10%，要付mortgage insurance，她给我们提供一个一次付清mortgage
insurance的选择，只要$2,700。我算了一下，需要6年才能付到超过20%，如果按月给
insurance,大概是$100/月，总共要付$7,000多。觉得比较划算，于是就选择closing的
时候一次付完mortgage insurance.
大家对这个熟悉吗？我们算的帐对吗？ |
|
A******a
发帖数: 61 | 41 我们现在拿到了一个24年的 re-mortgage plan，我在想是不是把 mortgage term 改成
20年或者再短一些，这样算下来到最后 mortgage 付请总共的 interests payment 会
少些。但是老公觉得还是保险起见，保持24年的term比较好，因为这个plan可以无限的
early repayment 没有任何 charge，而且 interests 是按天算，也就是说如果我们哪
个月有余钱可以还多些，没有上限，并且利息上马上受益。反过来，如果经济不好，也
比较容易维持每月付贷，比换成个短些的 term 但是每个月必须得还贷到比较高的数目
保险些。
我们是两个理财盲，请大家建议一下哪种方案比较好。谢谢。 |
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M********I
发帖数: 848 | 42 楼主问的是mortgage insurance。FHA贷款，要pay upfront and monthly mortgage
insurance.
所以我觉得楼主那”11个月的mortgage insurance“不是prepay, 而是upfront.
FHA 要13个月的tax吗？还是你的房子今年的tax还没付，马上要走escrow？ |
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w***u
发帖数: 23 | 43 It's your mortgage service has been sold. Not the mortgage itself.
By mortgage service, I mean the company who collect the money and pay the
bills( tax & insurance) |
|
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p******y
发帖数: 3523 | 45 mortgage公司查的信用，跟自己能查到的是不同的。两个计分系统。
自己能查到的是申请信用卡、车贷等小额借款用的。对于房贷，由于是高额贷款，信用
分数的评价原则都不一样。
mortgage公司查出来的成绩应该都是一样的，被pull的多只会更差。mortgage公司查的
成绩比自己查的低很正常。
如果LZ的credit history足够长的话，很可能是多年前有collection或是charge off。 |
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c*h
发帖数: 33018 | 46 七月买房，十一月refinancing。在Wells Fargo，从十二月开始付。十二月的mortgage是今年一月处付的。
现在报去年税时，能报十二月mortgage interest?
Wells Fargo网上说2011年没有任何报税的mortgage/interest.
有懂得XD说说？ |
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P******n
发帖数: 355 | 47 【 以下文字转载自 Connecticut 讨论区 】
发信人: Parisian (parisian), 信区: Connecticut
标 题: 求推荐mortgage broker
发信站: BBS 未名空间站 (Tue Feb 14 20:11:54 2012, 美东)
求康州的mortgage broker. 另问，我在fairfield county, mortgage broker需要在同
一地区吗？谢谢！ |
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k******o
发帖数: 3328 | 48 Some real estate might ask your mortgage info just for formality propose.
You could give them any mortgage company name. Later you could switch.
Be noted some REO or short sale will need persmission to change your
mortgage broker after you sign the contract. |
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p****r
发帖数: 165 | 49 new home purchase, 1st time buyer. now is shoping around mortgage rate.
usually which kind of fee is not covered in closing cost: lawyer fee and
inspection? any more?
for lawyer, it is better find by myself or get referal from Mortgage company
of agent?
for inspecter, find by myself or get referal from mortgage company of agent?
i am in NJ. is it true that for new home owner, very difficult for find no
closing cost deal? Thanks. |
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P***0
发帖数: 368 | 50 while, certainly there is benefit (or perceived benefit) for that option.
it is fraud because the company would not disclose how the business run and
how lz may save more with comparable options. The company tried to
manipulate lz by comparing apples to oranges and that only benefited that
company. Then it is a fraud.
for lz, you can compare the payments here (bi-weekly vs. conventional) and
you will figure out how much the company would charge you with the minimal
effort:
http://www.bankrate... 阅读全帖 |
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