F***Z
发帖数: 703 | 1 ☆─────────────────────────────────────☆
Alice (Be Bold) 于 (Tue Apr 11 19:05:37 2006) 提到:
Anybody here ever used ING Direct mortgage? We are considering it because it
has the lowest rate so far. But I just read some complaining reviews about the
bad customer services on the mortgage and i am a littler concerned now. Any
one has any experience with them and how do you feel about the service? Thanks
☆─────────────────────────────────────☆
bison (九尖山下仙, 石象湖边客) 于 (Tue Apr 11 20:08:53 2006) |
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w*****a
发帖数: 243 | 2 loan officer 是帮你找mortgage的吗？你说的是mortgage broker吗？一般如何收费？
与银行直接交涉是否可以省掉这个费用？多谢！ |
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g*********m
发帖数: 434 | 3 【 以下文字转载自 WashingtonDC 讨论区 】
发信人: globaldream (globaldream), 信区: WashingtonDC
标 题: DC附近有推荐的华人Mortgage Agent吗?
发信站: BBS 未名空间站 (Wed Oct 28 12:40:46 2009, 美东)
想请教买房贷款的问题;有不错的大华府地区(MD,VA,DC)的Mortgage Broker能推荐吗?
要去哪找? 谢谢! |
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w********5
发帖数: 104 | 4 Contract is under review now. 想把合约中Mortgage Contingency 的条款从银行发
出commitment改为银行发放贷款bank issue the loan，但是我的律师一直很抵触修改
条款，感觉在跟我拖时间。请问标准合约中的mortgage contingency只有 bank issue
commitment letter一种吗? |
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s*******e
发帖数: 67 | 5 收到ING的广告EMAIL推销•5-year fixed rate loan at 3.99% (3.986% APR)
这个和一般的30年5%的利率，那个更靠谱呀？
General Rates and Payments:
Product % of Home Value Borrowed Rate APR Monthly Payment Payment Period
5/1 Orange Mortgage 75% or less 4.000% 3.753% $2,387.08 Year 1-5
Projected 3.607% $2,290.04 Year 6-30
7/1 Orange Mortgage 75% or less 4.125% 3.856% $2,423.25 Year 1-7
Projected 3.607% $2,302.94 Year 8-30
APR based on a 30-year $500,000 loan as of November 12, 2009. Payments do
not include applicable taxe |
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t**s
发帖数: 1393 | 6
不是这样的。是不是 auto pay 和 grace period 没有一点关系 (不过设置好的 auto
pay 一般能保证在 grace period， 亦即 1st-15th，保证mortgage 银行收到钱而已)。
mortgage 银行必须在 15 号前收到钱，否则你得配当月额外的利息。
如果是 auto pay，你得设置成 12 号左右 (或者 12 号前，保险起见) 进行 auto
pay；如果不是 auto pay，是通常的 online pay，一般得在 10 号前支付。 |
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a***u
发帖数: 335 | 7 准备借new construction loan, 银行说我可以用blanket mortgage. 俺不太懂这个，
有人用过blanket mortgage吗？ |
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m***g
发帖数: 221 | 8 Hello,
I'm sincerely seeking information about any special mortgage program
for university faculty.
I recently graduated and started my tenure track faculty job at pretty
good research university. I'm thinking of buying a home. But the problem is
that I am still in F1-OPT status for another 4-6 months.
I think the rule is that I need to have a H1b to get a mortgage. But I
will not be able to get my H1b approval before the closing date.
Is anyone aware of any specific mor |
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q********m
发帖数: 3234 | 9 那个rate是APR，那个*APR是含了points/credit和一些假设的。
APR就是annual percentage rate，月利率是在APR基础上算出来的。至于mortgage为什
么这么quote，我要看看mortgage方面的书是怎么自圆其说的。
12
个 |
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q********m
发帖数: 3234 | 11 那个学校毕业的？谁教的finance啊？难道你只学mortgage？
看看wikipedia吧
The terms annual percentage of rate (APR), nominal APR, and effective APR (
EAR)[1] describe the interest rate for a whole year (annualized), rather
than just a monthly fee/rate, as applied on a loan, mortgage, credit card,
etc. It is a finance charge expressed as an annual rate. [2] Those terms
have formal, legal definitions in some countries or legal jurisdictions, but
in general: [1]
* The nominal APR is the simple-interest rate (for a y |
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q********m
发帖数: 3234 | 12 fixed income吧。 你做mortgage就把最基本的什么是APR给忘了。再说一遍，mortgage
给的APR是 so called effective APR, 其实根本就不是APR了。
算了，不浪费时间了，我的时间都是自己的，不是老板付工资给我灌水，还是自己多赚
钱要紧。 |
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k***a
发帖数: 1104 | 13 人家不是在问MORTGAGE RATE AND APR 吗？ 是不是。 你答的是什么？ 你还要用APR计
算PAYMENT。 简直是可笑。
mortgage |
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h*d
发帖数: 19309 | 14 1st mortgage不超过80%不用mortgage insurance啊。 |
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d******3
发帖数: 93 | 15 老了以后（65？）从401K没有罚款地取钱时，还要付tax么？
mortgage 利息4%，存401K划算还是付mortgage划算？
如果不打算做其它投资的话 |
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L******Y
发帖数: 8 | 16 How to understand the mortgage rate?
For example, the loan is 500K and the mortgage rate is 5%. The interest to
be paid is 500K X 5% = 25K.
It is not that simple, right?
Or, it is 利滚利? |
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s*****e
发帖数: 29 | 18 我没有说清楚. My current tax rate is ~33%.
I want to know roughly how much benefit I can get from the mortgage+property
deductible.
If both the mortgage and property tax are deductible, does it mean
one third(i.e. 6w/3 = 2w) or one fourth of it will be returned?
谢谢! |
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c********7
发帖数: 739 | 19 要看mortgage 48,000里interest有多少。interest才可以抵税，principal不能抵税。
你不能把整个的mortgage和property tax加起来算
property |
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l******n
发帖数: 641 | 20 Mortgage Rate Trend Index
By Bankrate.com
Panel prediction
40% Up
7% Down
53% Unchanged
Will rates rise or remain relatively unchanged? Experts and Bankrate analyst
s provide their insights.
This week (Feb. 11 - Feb. 17) the experts say: Rates won't move much -- but
if they do, they'll go up. This week, more than half of the panelists believ
e mortgage rates will remain relatively unchanged (plus or minus 2 basis poi
nts) over the next week or so. Another 40 percent think rates will rise, and |
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h****h
发帖数: 1168 | 21 your range of interest rate is about 3% to 5% for now.
i just don't understand how u make your decision
of when to pay off the entire mortgage just b/c of this tinny 2% difference?
in other words, are u sure u will make enough profit
just by parking the money aside and enjoy the 5% mortgage now,
and then when it's 7%, u thinks you can no longer trust
any of your investment methods for this 2% increase?
in 2-3 years, interest is at most 6%-7%. |
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b******1
发帖数: 301 | 22 When I was shopping for mortgage, the loan officer told me that the inquiry
for mortgage wound not affect credit score if no more than 15 ( I don't
remember exact number).
Just for you information. |
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w*******g
发帖数: 9932 | 23 It is not wrong.
If you get a 400K mortgage and then pay 100K a year later, you will end up
pay off
the mortgage well ahead of the 30 year period. So you pay less interests.
The difference between 400K and 300K loan is that amount of montly payment
is larger for 400K.
The montly payment is the same even if you pay 100K principle a year later. |
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e***w
发帖数: 1160 | 24 我太弱了，竟然没反应过来monthly payment 不一样。
谢谢你的解释。
It is not wrong.
If you get a 400K mortgage and then pay 100K a year later, you will end up
pay off
the mortgage well ahead of the 30 year period. So you pay less interests.
The difference between 400K and 300K loan is that amount of montly payment
is larger for 400K.
The montly payment is the same even if you pay 100K principle a year later. |
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t**s
发帖数: 1393 | 25 LZ 这个情况比较奇怪，close 一个月了，你的 first payment 也差不多要 due 了，怎么说也应该收到 mortgage payment coupon 了。
due date 是，if you close in Month A, then the due date of ur 1st payment will be the 1st day of Month (A+2), with about 15 days of grace period (make sure your payment will arrive the mortgage account no later than 15th day of each month) |
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f****y
发帖数: 921 | 26 我的loan是convention loan, 30年的。每月1号due，grace period是到15号，我设置了每月15号的automatic payment。
现在有个问题，如果我想多付一些本金的话，应该最好在什么时间付呢，是不是接近月底最好？我的理解是月初月末对mortgage计算利息都是一样的，可是钱却在自己的银行账户里多挣差不多一个月利息。我的理解对吗？
另外，两个月之间是应该按两个月的due date(1号)之间，还是两个月的payment date
（对我是15号）之间？也就是说，mortgage的利息是在1号计算，还是在每次的payment之后计算。谢谢 |
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l**g
发帖数: 2859 | 27 申请mortgage的文件需要让律师review嘛？
我觉得不需要，lg觉得需要。
这要是再involve律师进来，得等到什么时候mortgage才能批下来啊。。。 |
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a******e
发帖数: 36306 | 28 我们这个州说，1st home buyer,HCA offers a 10-year deferred forgivable 2nd
mortgage for down payment and closing cost assistance, up to 4 percent of
the mortgage amount. the loan is offered at a competitive interest rate and
is amortized over 30 years. 不知道有搞头不 |
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x*******a
发帖数: 11067 | 29 我没事儿,多写几句
1.应该不关买方的事儿.
2.假设你20%Downpay, 你选择买points的时候,Mortgage Rate 低千分之七,一年利息少
大概530*0.8*0.007 = 3K; 选择不买POINTS的时候,假设你没有别的投资渠道,就拿那一
万去交了本金, 一年省10*0.03875 = 0.3875K,但是假设你住五年,每年平均多花2K,你
少交的利息要多交税,假设你的税率是0.3,你还多给政府上1K.第二种情况好象还好些.
其实我觉得低于五年的短期居住不要买房,除非有这些例外:房你能租出去还划算,捡到
好的deal房子会猛涨,或者特有钱就是要追求HOME OWNERSHIP. 而且,房市低迷加Mortgage低的时候不要做ARM.
给你算笔帐:
买卖的花费: 3.5%(买的CLOSING COST)+3.5%(卖的CLOSING COST)+ 6%(Comission)=13%
+ 1.5%(地产税)每年
如果你住五年,你要保证这五年以后房子涨20%才把这些花费挣回来? 要是涨不了那么多,如果你能用买房子的钱,租到同样的房子就不用买.另外,如果觉得是比较好的 |
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s**m
发帖数: 1564 | 30 mortgage is like post paid. that is, for the mortgage payment of April, it's
due on May 1st, and late fee will be assessed if you don't pay on or before
May 15th.
but I am always wondering, how the interest is calculated, or which day's
loan balance is used to calculate interest? |
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p*****r
发帖数: 595 | 31 问个问题，现在seller有$400k的mortgage loan，但是house selling price on the
contract是$300k，close当天的话，怎么保证seller pay off 他的mortgage loan呢？ |
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r*********8
发帖数: 180 | 32 【 以下文字转载自 Minnesota 讨论区 】
发信人: richard2008 (offer), 信区: Minnesota
标 题: 请推荐 home loan/mortgage agent for refinance
发信站: BBS 未名空间站 (Mon Jun 28 20:40:46 2010, 美东)
想做 home mortgage 的refinance,谁能推荐几个agents？谢谢！ |
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p********r
发帖数: 1980 | 33 Your mortgage payment won't be reduced. But your interest portion will be
reduced when you have less principle. Unless your saving account has better
yields than the mortgage rate, it does not make sense to put money into
saving accounts (unless for a small amount of emergency funds for instant
liquidity). |
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w******y
发帖数: 8040 | 34 Martin Crutsinger, AP Economics Writer, On Friday August 20, 2010, 10:18 pm
EDT
WASHINGTON (AP) -- Nearly half of the 1.3 million homeowners who enrolled in
the Obama administration's flagship mortgage-relief program have fallen out.
The program is intended to help those at risk of foreclosure by lowering
their monthly mortgage payments. Friday's report from the Treasury
Department suggests the $75 billion government effort is failing to slow the
tide of foreclosures in the United States, econom |
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f****d
发帖数: 3217 | 35 大家都在说找到的mortgage rate很低，而且没有closing cost，怎么我们的lender给
我们做的GFE total closing cost要6500多，他们付4500，自己还要付2000多。是不是
我被斩了阿。我去BOA网站上面也没看到他们有no cost的mortgage阿。我是new home
purchase，造一个新房子，在 南卡州 SC。 |
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h**l
发帖数: 168 | 36 http://online.wsj.com/article/SB2000142405274870432370457546192016440001
4.html
The Obama administration on Tuesday will launch its most ambitious
effort at reducing mortgage balances for homeowners who owe more than
their homes are worth.
Officials say between 500,000 and 1.5 million so-called underwater loans
could be modified through the program, the first initiative to target
homeowners who are current on their mortgage payments but are at risk of
default because they have no equity in their |
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F*******n
发帖数: 89 | 37 最近刚买了房子，mortgage是30yr fixed的monthly pay。
前几天收到一个Nationwide Biweekly Administration的信，说可以免费换到biweekly
的payment，这样能缩短我的mortgage的life和省interests。
请问这个可靠吗？谢谢。 |
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N**s
发帖数: 1916 | 38 太傻了。房市哪天崩盘，you may consider cashing out line of credit and
walking way.
One of my credit lines has a lower rate than my mortgage but I am not that
stupid to use credit line to pay down/off mortgage. |
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z**n
发帖数: 112 | 39 打算换房子，先买再卖。所以有一段时间同时有两个房。因为新房离旧房很近，所以不
算second home.只能算investment property,利息很高。
旧房的mortgage在LD一个人名下，新房的mortgage打算只在我一个人名下。有什么办法
可以将新房算成primary或second? |
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f****u
发帖数: 64 | 40 新手买房，等着签P&S.最初起草的closing date 是11月19号，要求10月29号提交loan
commitment letter. 后来双方律师修改P&S，对方提出11月29号close,我们也答应了，
但是提交loan commitment letter 的日期被改成了10月25日，理由是对方要move out
of state,需要时间plan。但是我们也需要时间拿到commitment letter 啊。我们的
agent一直说这个没关系，如果拿不到，可以要求extend。其实我们刚刚递交了
mortgage application。虽说mortgage broker 说应该没什么问题。但万一拿不到呢？
请问这个正常么？这个loan commitment letter的提交日期是seller定的么？现在还没
签，我们可以要求改么？就算10月29号也宽松些啊。
大家给点意见吧。 |
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r******e
发帖数: 289 | 41 The best rate so far came before the Columbus’ Day and left after the
holiday was gone. People always ask when next round of good rate will be
coming. If you have not heard QE II, you should know that even as an
ordinary mortgage rate shopper.
Recently, mortgage rate is not controlled either by black Friday or stock
prices rally, it is driven by Fed’s Quantity Easing program and how the
market is reacting to its investment.
Next meeting is supposed to be held on November 3rd and 4th. A lot of
s... 阅读全帖 |
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S****n
发帖数: 519 | 42 刚close house，收到mortgage company发来的关于 Mortgage
Protection Insurance的材料，说是如果遇到死亡等不幸事件，
由这个保险付完贷款。请问这是什么？有必要买吗？ |
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i***c
发帖数: 156 | 43 关于mortgage rate 和 Annual Percentage Rate（APR）的区别好像以前有人说过，但
现在搜索不到那篇帖子了。
比如说，30年fixed mortgage rate 是4.25，那APR应该多少比较合理（自己付
closing fee）？谢谢大家！正常的话，两者的差别应该是多大？比如说5-10%以内？ |
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r****1
发帖数: 2299 | 44 【 以下文字转载自 Stock 讨论区 】
发信人: rl1231 (上官青青), 信区: Stock
标 题: 明天MORTGAGE会跌吗？
发信站: BBS 未名空间站 (Tue Nov 2 19:00:19 2010, 美东)
明天FED MEETING完，MORTGAGE RATE会跌吗？准备这两天要LOCK RATE了。 |
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d******n
发帖数: 2712 | 45 除了prepaid interest，mortgage都是后付的，就是12月的mortgage 1月1日due，但是
在1月15日前付都不算late pay。 |
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j*******8
发帖数: 94 | 46 下周做inspection，30天内要带到款，下个月底close，33万的房子，20％downpay，30
年fix
现在可选的是：
1。agent推荐的两个broker
2。自己的银行：chase或citi，现在chase有个什么cash back promotion，不知道值不
值？
https://www.chase.com/chf/mortgage/mortgage-cash-back
3。学校里面的一些银行如boa，citizens，people's bank，说给学校雇员0。5到
1point，这个相当于多少rate呢？
值不值得为了这个开个账户呢？
关键是这个阶段很难比较，因为不知道closing cost上会差多少。是不是broker给的一
般都比较低呢？是老美。还有
broker给的贷款其实最后是不是还是从银行带？因为想用chase送united mileage，不
知道找broker还能不能享受这个
promotion？
1. Here is what chase gave me:
Application fee/appraisal fee: $395
Underw... 阅读全帖 |
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c**********e
发帖数: 1184 | 47 选一个有经验的mortgage broker，再通过他（她）选一家各种费用较低的escrow
company，是买房子贷款时省钱的良方。
比较mortgage broker和银行，可看他们都收多少Loan Origination Fee。当然是越低
越好。
30 |
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d******n
发帖数: 2712 | 48 3.875%是很低了，别的地方如果没有这么低的rate，就去做吧。毕竟rate还是最重要的
。broker是不会帮客人买point的。但是在做之前一定要问问清楚他们到底offer的是什
么rate，总cost是多少。
另外，没觉得Chase的rate会好。Chase他们里面的人都是到别的银行办mortgage的。
mortgage rate跟是不是在那个银行开户似乎没有太大关系，除非对你们学校的雇员有
特别的优惠。 |
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o**********r
发帖数: 76 | 49 Does mortgage broker always give a lower rate than the bank gives us
directly? Anyone has applied mortgage directly from the bank?
Not sure whether the brokers are telling us lower rate now to attract
customers' commitment and later will never lock a rate like this.
Thanks in advance for advice!!! |
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p*****b
发帖数: 291 | 50 在refinance closing 的时候 比如说今天，而原来的mortgage下一个Payment是明年二
月一日Due.
也就是说原来的mortgage在refinance closing 的时候以多付了三个月。
利息是否全部损失，还是可以按比例拿点回来？ |
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