l*****o
发帖数: 26631 | 1 现在ms都涨到2.25%了, 真贵啊
upfront |
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d******n
发帖数: 2712 | 2 我们不做FHA loan，不过，考试的时候要学，没见说那个upfront mortgage insurance
是refundable的呀。 |
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L***s
发帖数: 2944 | 3 你说这个保险啥意思？
是那个upfront fee么？
是涨价了，2.25%. 今年4月份涨的好像。 |
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L***s
发帖数: 2944 | 4 我说的是那个upfront fee涨了。
我们是4月份的loan，也是用的fha |
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h***b
发帖数: 1233 | 5 large lenders don't care. small ones "may" give a little better on rate/
pricing. this is in CA. some states require mandatory escrow acct. unless
there's savings, otherwise, escrow acct doesn't offer any benefit--assuming
you can control your spending and set aside enough money for tax and ins. :
p
buy point--i would not recommend. interest rate is at all time low, to make
it lower cost is much "higher" than "benefit". ie. 1 pt in CA may buy you
only 1/8% lower on rate. the monthly savin... 阅读全帖 |
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w********n
发帖数: 137 | 6 Try this site:
http://ths.gardenweb.com/forums/hvac/
you can post your quote and someone may tell you whether
the configuration is correct or the price is reasonable.
Also this site to compare quotes:
http://www.hvac-cost.com
To qualify for $1500 Federal Tax rebate, the system has to be
a very high-efficient system > 15/16 SEER, the upfront cost
is high. My is $7000 before any rebate/tax.
Ask the contractor to give the ARI certificate number of the
system quotes, sometimes they messed up the par... 阅读全帖 |
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d******n
发帖数: 2712 | 7 FHA loan就是down pay低，申请的时候要交一笔upfront MIP，还要买mortgage
insurance premium，这种insurance是政府保的。我们公司不做FHA loan，不过，道听
途说，FHA loan的rate跟conventional loan似乎相差不远，而FHA的mortgage
insurance和Private mortgage insurance的月费似乎也类似。不过，conventional
loan 目前似乎最高也就做到90% LTV，就是说down pay要10%。
LZ如果只想只付5% down pay的话，估计只能是FHA了。这年头2nd loan是很不不容易拿
的了。 |
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b*d
发帖数: 9308 | 8 APR是把Upfront的Cost都放到了Rate里面去，你的Monthly Payment还是按照Rate来计
算的。 |
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N****E
发帖数: 1474 | 9 you sure premier account 's rate is lower? Is the closing cost higher then?
Usually if the mortgage rate is low, the closing cost is relatively high to
balance out. You either pay upfront through closing cost or pay through the
monthly mortgage. |
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Z*********I
发帖数: 176 | 10 我也一直很confused. 让broker把两种loan最后的monthly payment 给列了出来，好像
FHA更划算似的。
Conv Loan
Sp – 271,600
La – 258,020
Rate – 4.750 – 30 yr conv fixed rate
Prin and Int – 1345.95
Taxes and home owner’s ins – 333.00 – estimate only
Mortgage Ins -- 167.71 --- estimate only
Total – 1846.66
FHA Loan
Sp – 271,600
La – 263,825.45 – this includes the upfront pmi fee for FHA
Rate – 4.500 – FHA 30 yr fixed rate loan
Prin and Int – 1336.77
Taxes and Ins – 333.00 – est only
PMI – 120.92 – est only
Total – 1790.69 |
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h***b
发帖数: 1233 | 11 其实两个差不多，但如果不是因为首付放得少，尽量避免FHA，upfront 和以后的
mortgage ins 划不来。FHA 最大好处 loan 是 "assumable" 的。就是说若干年后，你
把房子卖了，买家可以 take over 你的 FHA loan。现在利率是在50年低点，以后涨了
，买家如果还能保留你的低利率，可以省很多利息支出。你那房子也该比较值钱。 |
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s********d
发帖数: 2216 | 12 你的 agent 估计很久没做过 FHA loan 的
给的 FHA estimate 是按几个月前 guideline 算的，10 月开始有新的 guideline。
FHA 的话，有 1% UFMIP（upfront fee），也就是多了 2580，加到 loan amount 里了
。但是月供比 conventional 低 25 块左右， 大概 5 年才能 breakeven 这个cost。
而且 FHA 的 MIP 有 5 年要求，如果一两年内有余钱付 principle，conventional 是
更好的选择。
如果房价利率都跌，你还是可以 refinance FHA loan。 Conventional loan 要 refi
的话需要 appraisal， 如果underwater，还要再贴钱进去才能 refi。 |
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K****z
发帖数: 405 | 13 为了少付down,却要付upfront mortgage insurance premium and annual mortgage
insurance premium .几年下来并不见得是真的少付了。而且付进去的down也是自己的
钱。insurance就是白交了。以后想要refinance也很麻烦。不能理解。15% down 就可
以不用做FHA了。
随便google以下就看到以下comments
Today, the majority of buyers without a 20% downpayment are getting FHA
loans. For some of those buyers, FHA was the way to go, but for those buyers
with FICO scores of 720 or higher and 5% to 15% to put down, there is
little doubt they overpaid for their insurance and had their purchasing
power ... 阅读全帖 |
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F*********s
发帖数: 537 | 14 30 yr rate no point has never reached 4% unless u pay a lot points upfront. |
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e*****3
发帖数: 1445 | 15 谢谢。upfront费用大概是多少呢？2500尺的房子。 |
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d******n
发帖数: 2712 | 16 但是不用付mortgage insurance呀，300K的loan，4.75%比5.125%每月少69刀，人家付
mortgage insurance，每月100 or 188，另外，FHA loan在申请的时候就要付一笔
upfront premium，mortgage insurance也得持续付个三五年。
不能只看rate呀。 |
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G*****2
发帖数: 70 | 17 1% of your loan amount for upfront when closing
0.85% of your loan amount for PMI paid every year.
Rate different a little bid.
That's what I got to know. |
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d******n
发帖数: 2712 | 18 如果可以pay 10% down的话，做conventional loan + mortgage insurance。rate上应该和FHA类似，不需要pay upfront premium，mortgage insurance的monthly payment也要比FHA loan低些。不需要一定付多少年的mortgage insurance，如果有钱了，将本金pay到原value的78%，mortgage insurance自动取消，如果pay到value的80%的话，要看当时房子的value了，如果房价跌了，还无法取消MI，如果房价涨了，自然就不用再付MI了。
分成两个loan做，现在很难批下来了。银行对房价没有信心，2nd loan对银行来说风险过大。 |
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h***b
发帖数: 1233 | 19 PMI is tax deductible--congress extended this tax code thru '11. deduction
start to phase out once income exceeds $100k (joint filer).
also prepaid PMI is to amortize over term of mtg or 84 months, whichever is
shorter.
check out irs Pub 936 for details-- |
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h***b
发帖数: 1233 | 21 funny #2 no show in posting but shows up in reply... :p
both are good depends on if you're willing to cough up cash upfront. |
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h***b
发帖数: 1233 | 22 paid for appraisal? if it's no upfront cost refi, then theoretically you
can bail--even w/in 3 days signing the loan docs (rescission right). if
this is a purchase loan, you better watch out for the timing--likely not
enough to switch lender. |
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j***k
发帖数: 2719 | 23 you should.. they worked hard for you.. and you are happy with the work.
your timing is little off though. When I changed my floor, I gave the worker
$40 when he came in in the morning before he started working and told him
that i would give him more if the work is done nicely.
He was really impressed and worked really hard for 2 days. I then gave him $
100. You need to give something upfront to keep people motivated. Otherwise,
if workers are unsure of the final reward, the work performance may... 阅读全帖 |
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d******n
发帖数: 2712 | 24 如果他们的盈利也要靠bond交易的话，不靠谱。因为目前这种note rate是赔钱的。
我们不做FHA loan，所以不了解FHA的rate如何，不过，FHA loan 应该是要交一个
upfront premium的，印象中是1.5% loan amount。。。
听闻有些客人打过一些网上的电话，好像问几句就要SSN，多数客人在询价的时候不愿
意让太多人查credit。我觉得在上网查rate也不是很难的事情，大部分客人还是决定在
网下做应该是有原因的。
BTW，今天的rate，30年固定，最好的也就是4.75%了。 |
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h***b
发帖数: 1233 | 25 if cash, no bank involved, then you can put prop in trust upfront. no
problem.
most ppl set up "living trust" but it depends on what you try to accomplish.
.. |
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d******n
发帖数: 2712 | 26 down pay 10%,会不要求交Mortgage Insurance么？
FHA loan有个Upfront mortgage insurance，conventional loan不收这笔钱，不过。
。。mortgage insurance是避不开的吧？ |
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t**********j
发帖数: 382 | 27 PMI means Private Mortgage Insurance. For FHA loan,it calls MIP (Mortgage
Insurance Premium).
For 15 year FHA loan, you don't need to pay annual MIP if your down payment
is 10% or more but you do need to pay Upfront 1% MIP. Sometimes the lender
will pay the 1% MIP for you with increasing the rate by 0.125-0.25%.
The Annual MIP will be increased by 0.25% if the CASE number assigned on or
after 4/18/2011. Your should apply for your FHA loan by 4/10 to avoid paying
the extra 0.25%.
Questions, pleas... 阅读全帖 |
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t**********j
发帖数: 382 | 28 FHA loan:
Condo Project must be approved by HUD. The lender can check it out for you
if you give them the Project's name.
Down payment--3.5%, If you would like to save 6.5% for upgrading or other
expenses, it is a good choice.
For 3.5% Down payment, Up front Mortgage insurance is 1% of your loan amount
. Annual Mortgage Insurance premium is 0.9% of the loan amount.
The Rate is better for FHA loan. Today's rate is 4.75% for Credit score 640
or above, no point and lender can pay the upfront Mortga... 阅读全帖 |
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n*******9
发帖数: 3244 | 29 if you are using FHA, then the answer for your question is yes that you will
save money with upfront one time payment.
心。
mortgage |
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d******n
发帖数: 2712 | 30 就是看哪个rate 低，银行收费低了。找不同的loan officer具体比较一下吧。因为我
们不做FHA loan，只是知道在一开始会有upfront premium。 或者直接找银行问一下，
比如wells Fargo，BOA等，看看他们的rate和收费如何。 |
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r****r
发帖数: 701 | 31 【 以下文字转载自 PHILADELPHIA 讨论区 】
发信人: rwwter (history), 信区: PHILADELPHIA
标 题: 这个closing cost合理么
发信站: BBS 未名空间站 (Fri Apr 29 21:38:25 2011, 美东)
房价总共21万，打算付42000首付
ITEMS PAYABLE IN CONNECTION WITH LOAN
FIRST LIEN SECOND LIEN
$ 390.00 ------------- Appraisal Fee - Paid to Third Party
$ 35.00 ------------- Credit Report Fee - Paid to Third Party
$ 26.00 ------------- Flood Check Fee - Paid to Affiliate
____________________________________________________________________________
_________________________... 阅读全帖 |
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h***b
发帖数: 1233 | 32 if you have to buy w/ little down pay (~5%), then go w/ FHA.
requirement is low due to gov't sponsorship but income still must qualify
for loan. FHA isn't recommended due to high upfront mtg ins ~1.15%.
what's why, w/ down pay, you need 5% up front. and you have to pay min. 5
yr mtg ins. |
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b*d
发帖数: 9308 | 33 4.75% with 0.5% fee跟4.875 no fee差不了太多,要是我就选4.875%,尽量减少Upfront
fee. |
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t**********j
发帖数: 382 | 34 This is a FHA loan. Loan amount is $200,000. Upfront MI=$2000 (1%). Monthly
MI = $200000*1.1%/12=$183. The current rate for FHA loan is about 4.25% for
30 year fixed. |
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t**********j
发帖数: 382 | 35 We usually have 20% down payment and very good credit and income, we don't
want to pay MI, so we always go to Convention loan.
Most people don't save a lot of Savings to buy a house. I have clients who
barely has no money in their accounts but they can buy a house for FHA loan.
FHA allows 100% gift. Rates are much much better for low down payment,
especially for Condo. There is no price adjustment for 3.5% down payment,
single house or condo. The current 30 year fixed rate is about 4.25%. If the... 阅读全帖 |
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N**s
发帖数: 1916 | 36 小赚2-3万? 说实话flip的房子比多数卖的快,因为买方upfront费用少. |
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g********3
发帖数: 1281 | 37 So many people are not happy with their agents. Here is how you can fire
your agent:
http://homebuying.about.com/od/realestateagents/qt/SayGoodbye.h
Termination
Ask the broker / agent if she will release you from the contract if you find that the relationship is not a good fit for you or vice versa. While agents are not bound to release you, if they won't agree to this upfront, don't sign the agreement with them. Professionals give personal guarantees that the customer will be satisfied. If an a... 阅读全帖 |
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h***b
发帖数: 1233 | 38 other than required disclosures (per contract terms), agent may disclose any
significant matters at any time.
if a potential deal buster (e.g. murder happened in the prop), agent would
definitely disclose upfront--spell out in listing to avoid wasting time on
negotiation if it could kill a deal.
rule of thumb, "when in doubt, disclose it..." it's a good way to avoid
confusion and liability. work on seller and buyer sides.
欢迎访问＂言之有屋＂Irvine Mortgage & RE 俱乐部和我的博客
http://www.mitbbs.com/club_bbsd... 阅读全帖 |
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j*****g
发帖数: 463 | 39 BTW, the only upfront charge is appraisal.
There should be no other charges until the loan is closed.
And try to delay the appraisal as much as possible.
另外，即使 Appraise 了之后也还可以换，不过先付的 Appraisal fee 就扔水里啦。
如果是同一家银行，可以让他们用同一个 Appraisal.
我就是两家银行分别 Appraise 了一次。 |
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h***b
发帖数: 1233 | 40 very tough to be honest. money involved isn't large enough to "attract"
lawyer. you can pay to hire one but expensive. try small claims court.
process is simpler, faster, and req min costs.
when dealing w/ contractor, always get reference, or get it thru referral.
never pay too much upfront. always in installments per project progress.
but there's very little you can do now... the guy probably did the same
thing to others.
6800 |
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c*****9
发帖数: 2739 | 41 Bed or Dapanpan,
I just got a quote as follows, do you think it is ok or not?
$450,000 value
$190,000 loan amount
740+ credit score
10 year fixed
3.25%
payment is $1,856 principal & interest (add property tax and insurance
escrow)
no cost at all
no lender fees
no points
no appraisal fee (you pay for it upfront and we will refund in full at the
closing)
no attorney fees
no title insurance
no recording fees
total cost is zero |
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n********e
发帖数: 1789 | 42 I was told the only fee you would need to pay is the upfront charges,
including the appraisal, credit report, etc. I do not think that could go up
to thousands. |
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H*********g
发帖数: 217 | 44 Escrow is not closing cost. So Borrower should pay it. it's money used to
pay your tax and insurance.
Tile insurance could be calculated upfront and covered by no closing cost.
it's under broker's control
escrow |
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N****E
发帖数: 1474 | 45 Second this, you have to mention it upfront or leave your agent's card with
the seller agent, otherwise those agents might get into fight. The
commission is not small money.
在他带你去看房子的时候你和他明说你有自己的agent，只是他暂时不available之类，
否则至少在我们这里是不可以的。
★ Sent from iPhone App: iReader Mitbbs Lite 7.28 |
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s********d
发帖数: 2216 | 46 既然可以 20% down 为何还要 FHA， 是 credit score 低吗
FHA 的 PMI 无论怎样都免不掉， 5 年后看你的 Ltv 再决定要不要免掉。
你可以考虑 10% down FHA 15 年，PMI 是 0.25？
有 1% upfront mortgage insurance。
月供会高些，但你留在手上的 10% 可以 cover 多出来的部分几年吧。
过两年再找机会 refi 好了 |
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h***b
发帖数: 1233 | 47 FHA 是针对首款付得少的，如果你放 20%，可以走正常的 program。
FHA 首先要付 upfront 的 MI～1%（一次性的）,然后每年还要再缴 MI，又是～1%，如
非必要，应尽量避免。 你如果是在加州，我们可以帮你申请，regular 或 FHA |
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h***b
发帖数: 1233 | 48 frankly, in US, it's always pro-tenant, pro-buyer. burden of proof usually
lies on landlord and seller. just cover yourself as much as you can. do
your due diligent upfront.
子。 |
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t***3
发帖数: 778 | 49 -人Nice可靠。
-回邮件电话及时。
-尽量帮你找Deal，不给你压力。
-Everything is upfront, reasonable fee, no hidden cost。
-时间Flexible，可以到你家完成paper work.
等等。 |
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t*******3
发帖数: 734 | 50 非常感谢， 对的，就是 upfront mortgage insurance. 这个是什么东西？
这个钱可以退回来吗？或者是以后帮我付mortgage insurance？ |
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