r******e
发帖数: 289 | 1 Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.500
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 Balance Loan (<=729k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.500
Refinance Loan 5.000 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=600K, FICO>=740, LTV<=80% for SFH or 75% for 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.
If you need to get real-time rate for your specific loan,
please include the answers to following questions into your email or visit
my club
洛城房地产贷款(LA_Real_Estate_Mortgage)俱乐部
http://www.mitbbs.com/club_bbsdoc/LA_Real_Estate_Mortgage.html
1) Loan amount
2) Self-occupied or Investment
3)Single Family House or Condo
4)Self-estimated FICO score
5)Expected LTV (loan to value of house)
6) W-2 or Self employed
7) Expected yearly DTI (Debt to income) ratio
8) Any other houses or loans
9) Type of loan you are interested(refi/new, 30,15,5/1)
10) Your current mortgage rate
Hope this make your life easier ! | y***l
发帖数: 6963 | 2 不知道会不会再降
are
【在 r******e 的大作中提到】
: Conforming Loan (<=417k)
: Purpose of Loan 30 YR 15 YR 5/1
: Purchase Loan 4.750 4.125 3.250
: Refinance Loan 4.875 4.250 3.500
: 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 Balance Loan (<=729k)
| r******e
发帖数: 289 | 3 Nobody knows.
If you are purchasing a new home, settling is more important than waiting
for another 0.125 drop.
【在 y***l 的大作中提到】
: 不知道会不会再降
:
: are
| y***l
发帖数: 6963 | 4 lock了4.875%
不用每天都看了
【在 r******e 的大作中提到】
: Nobody knows.
: If you are purchasing a new home, settling is more important than waiting
: for another 0.125 drop.
| r******e
发帖数: 289 | 5 all the best for your settlement!
looking through business news will help everyone's money managment. so it is
still helpful to follow Feds, Tax Bill, Unemployment Rate, Retail Sales
Data, etc.
【在 y***l 的大作中提到】
: lock了4.875%
: 不用每天都看了
| f******w
发帖数: 10267 | 6 过了这个星期，retail sale就该消停了。都说今年这个数字好，那为啥toys r us这种
店本星期的打折比前两年还猛呢？
is
【在 r******e 的大作中提到】
: all the best for your settlement!
: looking through business news will help everyone's money managment. so it is
: still helpful to follow Feds, Tax Bill, Unemployment Rate, Retail Sales
: Data, etc.
| r******e
发帖数: 289 | 7 selling smart does not mean worse selling figures.
Overall, Thanksgiving helped the retail stores based on statistics.
I spent more than last year. But this data sample is very small and not
reliable.
We will get more data after Christmas.
【在 f******w 的大作中提到】
: 过了这个星期，retail sale就该消停了。都说今年这个数字好，那为啥toys r us这种
: 店本星期的打折比前两年还猛呢？
:
: is
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