f****3
发帖数: 40 | 1 trying to get some advises here:
currently 30 years at 4.75% & trying to refinance to 20 years. today's rate
is 4% with 0.125 point and the closing cost is about $1800. Do you all
think it is a good rate? or should I wait? by the way i am in ky.
thanks :) |
b*d
发帖数: 9308 | 2 今天的Rate是今年最好的，如果你想Lock的话，今天是个不错的日子。不过未来是有可
能更低的。
你的Income可以做15年吗？如果可以，15年的利率比20年更好，而且有可能做到No
Cost。
rate
【在 f****3 的大作中提到】
: trying to get some advises here:
: currently 30 years at 4.75% & trying to refinance to 20 years. today's rate
: is 4% with 0.125 point and the closing cost is about $1800. Do you all
: think it is a good rate? or should I wait? by the way i am in ky.
: thanks :)
|
f****3
发帖数: 40 | 3 thank you 'bed'....15 years is a little too tight for our budget, so it's
better off for us to stay at 20 years. Do you have any brokers can
recommend for me so that i can call around. I am in KY,,,
thank you |
b*d
发帖数: 9308 | 4 不好意思，好像版上没有Broker可以做KY的贷款.
【在 f****3 的大作中提到】
: thank you 'bed'....15 years is a little too tight for our budget, so it's
: better off for us to stay at 20 years. Do you have any brokers can
: recommend for me so that i can call around. I am in KY,,,
: thank you
|
d*********2
发帖数: 48111 | 5 建议你做30年的， 美元资产整体走贬， 市场萎靡， holding cash is king.
手上的cash可以投资， 赌美国就再买房子， 赌中国就投资rmb. 或者half-half.
贷款这东西， 背的越多越久越好， 尤其还是这么低利息的。
rate
【在 f****3 的大作中提到】
: trying to get some advises here:
: currently 30 years at 4.75% & trying to refinance to 20 years. today's rate
: is 4% with 0.125 point and the closing cost is about $1800. Do you all
: think it is a good rate? or should I wait? by the way i am in ky.
: thanks :)
|
m********g
发帖数: 88 | 6 Do we need to buy the owner's insurance again for refin? Thanks.
rate
【在 f****3 的大作中提到】
: trying to get some advises here:
: currently 30 years at 4.75% & trying to refinance to 20 years. today's rate
: is 4% with 0.125 point and the closing cost is about $1800. Do you all
: think it is a good rate? or should I wait? by the way i am in ky.
: thanks :)
|
d*********2
发帖数: 48111 | 7 u need mortgage insurance and title insurance again.
u may get discounts if your 1st loan is not long time ago.
【在 m********g 的大作中提到】
: Do we need to buy the owner's insurance again for refin? Thanks.
:
: rate
|
d******n
发帖数: 2712 | 8 我也不建议买point去做refi，不如做30年refi，每个月多还些钱冲本金。20年的
program不是popular的贷款program，rate并不好。 |
y******n
发帖数: 8667 | 9 Try no cost, no point firstly |
w******i
发帖数: 1899 | 10 先做一个5ARM,过几年再做15年.多好.不断的REf |
b*d
发帖数: 9308 | 11 Yes, the bottom line is to leave many options open for ourselves.
【在 w******i 的大作中提到】
: 先做一个5ARM,过几年再做15年.多好.不断的REf
|
m********g
发帖数: 88 | 12 But what if the interest is much higher in a few years, would you rather
locking in a lower rate now? |
b*d
发帖数: 9308 | 13 当然了，如果你的房子不卖，当然现在Lock 15/30 yrs fix是最好的选择。但是也有不
少人5-7年内肯定会换个大房子，或者Relocate。
【在 m********g 的大作中提到】
: But what if the interest is much higher in a few years, would you rather
: locking in a lower rate now?
|
h***b
发帖数: 1233 | 14 try do no-cost refi. if rate differential isn't large enough, it will take
you years to recover the costs/points you pay upfront. e.g. $50 saving a mo
takes you 40 mo to recover the costs.
besides, refi to 30-yr. send in extra $ for principal and your mtg will be
paid off in 20 yrs any way. you can calculate the extra $ amt.
rate
【在 f****3 的大作中提到】
: trying to get some advises here:
: currently 30 years at 4.75% & trying to refinance to 20 years. today's rate
: is 4% with 0.125 point and the closing cost is about $1800. Do you all
: think it is a good rate? or should I wait? by the way i am in ky.
: thanks :)
|
