E**********e
发帖数: 1736 | 1 我自己的checking account CHASE 2.1%.refinancing 是不是就是很高?
：福特信用给了3.49%/5 year or 3.69/6 year
：俺信用800+， |
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T*********s
发帖数: 20444 | 2 不就是贷款被坑吗
不是大事 refinanc就行了
普通美利坚公民的利率就是这样
19330 |
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r*****h
发帖数: 119 | 3 更新一下，
刚刚finance approve了，这个价格需要用chase financing，3.99%，因为是OPT。不过
打算提前还或refinancing...
OTD price: 157xx
算好deal吗？ |
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b********6
发帖数: 35437 | 4 dealer如果能够从银行拿回扣，就更愿意在车价上让步。
贷款回来马上找另外apr低的银行refinancing |
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X***9
发帖数: 7385 | 5
当时他的贷款并没有生效 车行给他3天时间自己找贷款 他quote cu后想着以后有时间
再去做refinance
我提醒他 没找到贷款前quote的利率和贷款生成以后quote的利率可能会不同 因为有贷
款再贷款叫refinance
而refinancing 用的是二手车的条件 利率一般会高。 是您理解力有问题吗？ |
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d*******o
发帖数: 171 | 6 Refinancing can be done when you receive the first bill.
: 打算也去看看Acadia
: these
|
|
发帖数: 1 | 7 南加州买2019 RAV4 LE 26K OTD
先去了南加的一家dealer,给的quote 是
MSRP 27173
Discount savings -2021
Vehicle price 25152
Rebate saving -1250
Vehicle price(net after rebate) 23902
Document fee 85
License/Title 393
Tire/Battery/VTR fee 8.75
Sales tax 2397.52
Total 26786.27
60 month APR 5.99%
72 month APR 6.49%
Tax 9.50%
Taxes and Fees 2884.27
然后去了另外一家要求26K OTD
不给，去了著名的Longo Toyota, Longo 只能给27K OTD
然后又给其他的以前联系过的dealer要求26K OTD，
有一个dealer 答应了。
就用这个dealer 的回答去quote 其他的TOYOTA DEALER
估计26K OTD差不多了。
2019 Toyo... 阅读全帖 |
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j********e
发帖数: 1187 | 8 直接去spreen honda的网站上quote一下，他们的价格给得很爽快，vin什么的都有。
但是去买的时候会给你加些option，态度强硬一点就直接给你去掉了，但还是有个100
多的wheel lock，但基本无所谓了。另外利率会高一点，不过这个你自己可以控制，两
三个月后可以还清或者refinancing。 |
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n******n
发帖数: 12088 | 9 big 3 banks refinancing was decided long time ago ah. 60b not surprises me |
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I******s
发帖数: 319 | 10 爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州，分别在CA, MD, TX, WA设有分公司
;因业务增长，需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位： Loan Processor
• 本科及以上学历
• 工作地点： 休斯顿
• 需要有工作许可，公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]
/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad r... 阅读全帖 |
|
N*******s
发帖数: 27 | 11 我和我老公结婚8年，几乎每天都在吵架，我们都知道我们不爱对方，也不适合在一起
。可是我们有两个可爱的孩子，我们都很爱他们。我知道不该当着孩子的面吵，可真是
控制不住。我有很好的工作，但因为房子和孩子，我们经济上一直都非常紧张。我非常
节俭，我们很少出去吃饭，每天我都是下班赶回家做饭，做完洗碗收拾，给孩子洗澡，
读书，非常累。我老公负责接送孩子。回家就什么也不干了。其实多干些也累不死，可
他脾气非常暴躁，我们现在除了钱和孩子，几乎没话说。我们也不睡在一起，在同一屋
檐下，为了孩子维持着这个家。因为他的credit不好，我独自作了refinancing。终于
觉得可以松一口气了，他又变成part-time.我真想脱离他自己过，可又怕伤了孩子。我
儿子7岁，说宁愿我们吵架，也不愿我们分开。我真是很揪结。如果离婚，我们得卖房
子。真的很累，只想维持现状。想起离婚那些麻烦事就头疼。可又觉得比单亲妈妈还苦
。该怎么办呢?真是女怕嫁错郎。 |
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a*******g
发帖数: 71 | 12 Guides you step-by-step through investments and rental property
income
•Assists with stocks, bonds, mutual funds and employee stock plans
•Maximizes investment-related deductions
•Cost Basis Lookup quickly tracks and calculates historical cost basis
•Provides additional guidance for rental property income, expenses and
refinancing
•Automatically calculates capital gains/losses and keeps track of
those to carry over to future tax returns
•Simplifies reporting a... 阅读全帖 |
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p*****y
发帖数: 529 | 13 The last two years have been golden era for junk bond financing. The
companies have mostly refinanced their higher interest debt to lower ones.
And the equity market signals that economy is coming back, which means "junk
" companies should see better profits. So junk bond should be a buy now.
The only concern is that recently issued junk bonds have provisions which is
at better advantage of the junk companies. The provisions could post big
risk when the company is in default. just be aware of th... 阅读全帖 |
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c*****e
发帖数: 1106 | 14 同意楼上，价位很高。很多yield还不如蓝筹股。
长期持有现在不是入市的好时机。
Some are still highly leveraged and have refinancing risks, so they are not a good hedge against inflation. |
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c*****e
发帖数: 1106 | 15 bonds, commodities, stocks of companies that are either
1. paying a good dividend OR
2. highly leveraged and dependent on refinancing |
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v**n
发帖数: 130 | 16 最近搞了个owner financing, 总结了一下financing terms。 欢迎大家指点。
•Price - this is the obvious one I won't labor over it
•Interest rate - this impacts buyer’s monthly payments. of course
buyer would want lower interest rate and lower price, and seller would want
higher price and higher interest rate, but the reality is that for owner
financing deals, Neither one will/should get everything they want, so it
comes down to making a decision and negotiate between the two: As a seller,
they want higher ... 阅读全帖 |
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E**x
发帖数: 33 | 17 Thanks! You two are "great minds think alike". My follow-up questions are:
1. This house at $215,000 with a rent of $1,450 gives a PE around 12.4.
Traditional thinking is to look for PE less than 10. I think this house is
still attractive because of current super low interest rate. Is my reasoning
right? and is there a PE guideline adjusted with respect to interest rate?
2. Thanks for the explanation on the "bell curve". Question is what are the
options after 15-20 years to maintain comparable I... 阅读全帖 |
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y****i
发帖数: 778 | 18 http://beta.fool.com/equityfinancials/2013/05/22/two-mreits-to-
"One of the major catalysts that are currently in play for mREITs is the Fed
’s accelerated bond buying. The Fed has initiated an accelerated bond
buying with an intention to stimulate the sluggish US economy, particularly
the US housing and the labor markets. While the stimulus efforts are still
delivering their results, profits at mortgage REITs are being crushed
because of it.
The Fed is buying $40 worth of residential mortgage b... 阅读全帖 |
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y****i
发帖数: 778 | 19 For tax software, Turbotax>HR block>Taxact. EY tax guide is good as a book,
but most people only need look at followings and search IRS for details:
http://www.ey.com/US/en/Services/Tax/Ernst-and-Young-Tax-Guide-
1
Accounting fees for tax preparation services and IRS audits (chapter 29)
2
Alcoholism and drug abuse treatment (chapter 22)
3
Amortization of premium on taxable bonds (chapter 29)
4
Appraisal fees for charitable donations or casualty losses (chapters 25, 26)
5
Appreciation on property... 阅读全帖 |
|
y****i
发帖数: 778 | 20 For tax software, Turbotax>HR block>Taxact. EY tax guide is good as a book,
but most people only need look at followings and search IRS for details:
http://www.ey.com/US/en/Services/Tax/Ernst-and-Young-Tax-Guide-
1
Accounting fees for tax preparation services and IRS audits (chapter 29)
2
Alcoholism and drug abuse treatment (chapter 22)
3
Amortization of premium on taxable bonds (chapter 29)
4
Appraisal fees for charitable donations or casualty losses (chapters 25, 26)
5
Appreciation on property... 阅读全帖 |
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g*********s
发帖数: 1782 | 21 it depends on the m&a deal.
if the deal is sweet, u could possibly convert all unvested options into
cash.
refinancing definitely would dilute ur shares. but for a common r&d, it's
not a big deal. few companies become google, facebook, bidu, etc. most
just die, or live as dead. |
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W***n
发帖数: 11530 | 22 What $200,000 Will Buy In The Atlanta Real Estate Market
By Jean Folger | April 15, 2014 — 12:45 PM EDT
The median list price in Atlanta is now $184,900, up 12.1% from the previous
year, according to the National Housing Trend Report for February 2014,
published by Realtor.com. This puts Atlanta slightly under the national
median list price of $199,000. Where Atlanta shines, however, is in
inventory: It sits near the top of the report's 146 regions in terms of
total number of listings. Real est... 阅读全帖 |
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I******s
发帖数: 319 | 23 爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州，分别在CA, MD, TX, WA设有分公司
;因业务增长，需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位： Loan Processor
• 本科及以上学历
• 工作地点： 休斯顿
• 需要有工作许可，公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]
/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad r... 阅读全帖 |
|
I******s
发帖数: 319 | 24 爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州，分别在CA, MD, TX, WA设有分公司
;因业务增长，需招聘一至二名中英文流利的新员工。具体要求如下:
• 职位： Loan Processor
• 本科及以上学历
• 工作地点： 休斯顿
• 需要有工作许可，公司可办理工作签证及绿卡
• 有意者请将简历及其它相关材料发送至: [email protected]/* */
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad ra... 阅读全帖 |
|
I******s
发帖数: 319 | 25 爱维贷款(Ivy Mortgage, Inc.)总部位于马里兰州，分别在CA, MD, TX, WA设有分公司
。因业务增长，需招聘一至二名中英文流利的新员工。具体要求如下:
职位： Loan Processor
本科及以上学历
工作地点： 休斯顿
需要有工作许可，公司可办理工作签证及绿卡
有意者请将简历及其它相关材料发送至: career(at)ivymtg.com
Ivy Mortgage, Inc. is a leading provider of home mortgages headquartered in
Fulton, Maryland. By staffing our office with only the most talented
employees, we are able to provide individualized financial solutions to each
client we serve. Our broad range of services continues to grow, along with
our client base, ... 阅读全帖 |
|
s**********i
发帖数: 711 | 26 depends on how fast they can send the money to
current lender. if you close on a friday, normaly
you pay more because it takes longer time...
typically for no-cost refinancing, the mortgage agent
"eats" all other costs. |
|
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g***u
发帖数: 21 | 28 I was able to lock 4.75% for $415K refinancing for 30 years yesterday with
no cost; but I have to stick with this bank for four months. If rate drops
dramatically in the next four month, I will miss it. Any comments/ |
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m***y
发帖数: 14763 | 29 A couple couple I work with put down only 5% for a 500K house last year, and
they refinanced this year, after which their equity is less than 1% : )
Smart Indians! |
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f****l
发帖数: 8042 | 30 卖家指定ｔｉｔｌｅ ｃｏｍｐａｎｙ是常见的，至少我们就是这样。首先，你们要跟
你们的ａｇｅｎｔ再三核实，这家ｔｉｔｌｅ公司口碑如何，第二，卖家指定ｔｉｔｌ
ｅ公司是违法的，
A federal law called the Real Estate Settlement Procedures Act (RESPA)
entitles the individual homeowner to choose a title insurance company when
purchasing or refinancing residential property. Typically, homeowners don't
make this decision for themselves, instead relying on their bank's or
attorney's choice; however, the homeowner retains the right. RESPA makes it
unlawful for any bank, broker or attorney to |
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d***u
发帖数: 313 | 31 refinancing is little bit higher than purchasing
but both would go up gradually. |
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d***u
发帖数: 313 | 32 this varies on different lender, location, etc...
i have a friend just did a refinancing for 5-year ARM 570K loan for 4.125% |
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t*****i
发帖数: 141 | 33 Hi all,
I locked 90 days for 5% (4.875+0.125) but still have a chance to relock
within 30 days (starting from next week). Now the rate is 4.125% and it
should remains the same next week. How can I request my lender to apply the
new rate so I can relock it at 4.25%? The problem is that they don't have
public information on this. What should I do if the lender cheats and says
that the current rate is still 4.375? Thanks a lot!
Also, if I cannot relock, is it worth doing refinancing after closing t |
|
z****n
发帖数: 1514 | 34 It depends if your loan has prepayment penalty or not? Mine does not have
any prepayment penalty and can be refinanced any time.
,
43.
year |
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C*******d
发帖数: 15836 | 35 I got similar as yours. Refinanced through the same closing agent, mentioned
my problem, and received my title insurance and house county deed
eventually, which was ~5 months several months after closing. So you should
definitely as your closing agent to send you these material.
I would not worry about your ownership. You will have a lot of evidence to
prove that you are the owner of the house. Especially you have a fully copy
of the closing documents, which should serve you well. |
|
w***b
发帖数: 86 | 36
I got similar as yours. Refinanced through the same closing agent, mentioned
my problem, and received my title insurance and house county deed
eventually, which was ~5 months several months after closing. So you should
definitely as your closing agent to send you these material.
I would not worry about your ownership. You will have a lot of evidence to
prove that you are the owner of the house. Especially you have a fully copy
of the closing documents, which should serve you well. |
|
|
m******3
发帖数: 983 | 38 If you want to pay higher rate, you can get no point and no fee.
The rate for refinancing is higher than purchase. |
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p*******s
发帖数: 91 | 39 rate is pretty good now, the chance that rates goes lower is smaller than
goes higher, I am not greedy type, there are people to pursue the best ever
rate though
"If I were considering financing/refinancing a home, I would.... Lock if my
closing was taking place within 7 days... Lock if my closing was taking
place between 8 and 20 days... Lock if my closing was taking place between
21 and 60 days... Lock if my closing was taking place over 60 days from now.
.. This is only my opinion of what I w |
|
t******t
发帖数: 121 | 40 The seller agent told me that the seller refinanced the house at the peak of
the house bubble. I also got the document from the seller's agent and it
was included in the contract. |
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j***e
发帖数: 47 | 41 1. Equity loan in US
2. Get some cash out from your current house by refinancing |
|
S**********l
发帖数: 19 | 42 That is a good rate. I am looking at refinancing of 7/1 ARM too. Could you
give me the agent information? Thanks! |
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b********t
发帖数: 102 | 43 close的时候要付2万左右, builder 是不是出certain percent of your purchase
price for your closing? 如果builder's incentives can cover your closing cost
, then go for it. If interest rate goes higher, then you won't save any
money by refinancing. 2% is just a rough number, refinance makes sense if
interest rate drops by 1-1.5% as you'll need to take fee and cost into
consideration |
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s*****d
发帖数: 284 | 44 Do you mean the rate should drop from 5% to 4% or 3.5% (drops by 1-1.5%) ?
That's impossible.
The builder pay 1% of purchasing price for the transfer stamp(around 4500).
Also we got 2% of basic price for going without agent. If we refuse to use
their mortgage company, we will lose those(about 12000). So we have to go
with theirs though they charge us about 5000 for fee.
If the APR from other lender is less than the rate we get now, still not
worth refinancing? I think most lenders offer 0 fee |
|
|
w***z
发帖数: 1158 | 46 Mortgage Closing Date: Does it Matter?
September 19, 2001, Revised December 17, 2003, August 2, 2004, April 1,
2008
On a purchase transaction, there is no financial advantage in closing on any
day of the month, as compared to any other day. On a refinance, it is a
good idea not to close on a Friday because it will increase the number of
days in which you pay interest on both loans. And if you are refinancing out
of an FHA, close at the end of the month because you will pay interest on
the FHA fo |
|
y***n
发帖数: 114 | 47 We just refinanced our house a couple of months ago and are thinking about
doing it again since the rate is quite low these days. Are there any cons if
we refinance too often? We will use no-point no-fee so apparently there is
no cost to us. But still we want to confirm this here. Any suggestions?
Thank you all! |
|
y**u
发帖数: 2788 | 48 FYI. A townhouse in Chicago was bought half year ago.Interest rate was 5.375
% with 30 years term and 10% down. Refinancing offer is: 4.875% with 30 year
s term and no cost, no fee. Loan amount is 280K. |
|
y**u
发帖数: 2788 | 49 At that time, we can do refinancing again. |
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D********n
发帖数: 1595 | 50 you'll always be better off by refinancing at a lower rate(because of your
prepayment right). However, whether or not you're going to hold the loan
for another 30 years is determined by your opportunity cost, i.e. how much
return you can earn if you invest the money that you don't use to pay off
the loan. If you money just sits in the bank earning nothing, it doesn't
make sense to hold your loan for a long time. |
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