Y***o
发帖数: 4135 | 1 这个利率如何-- 昨天的报价，在加州。
New purchase, SFR, 80% LTV, $640K mortage
Qutation #1: 4.875% 30Yr Fix for $640K mortgage
No point. With regular closing fee ~ comparable to others.
======
Quotation #2: 5.000% 30yr fix for $640K mortgage,
No point either. with similar closing fee,
Lender credit= $6400 (1% of loan).
Which one to pick?
=========
How come other place offer 5.125% --> provided by MITBBS brokers? Maybe my builder trying to attract me after I threat to quit the purchase,LOL.
是不是要再向 builder 砍砍价，2周后就要close乐。 |
c****o
发帖数: 32446 | |
Y***o
发帖数: 4135 | 3 $640K, 是的还一辈子。 加州居不易 - 当房奴！！
【在 c****o 的大作中提到】
: 640K的loan？这不得还一辈子？
|
h***b
发帖数: 1233 | 4 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.
【在 Y***o 的大作中提到】
: 这个利率如何-- 昨天的报价，在加州。
: New purchase, SFR, 80% LTV, $640K mortage
: Qutation #1: 4.875% 30Yr Fix for $640K mortgage
: No point. With regular closing fee ~ comparable to others.
: ======
: Quotation #2: 5.000% 30yr fix for $640K mortgage,
: No point either. with similar closing fee,
: Lender credit= $6400 (1% of loan).
: Which one to pick?
: =========
|
Y***o
发帖数: 4135 | 5 I was editing.. :)
How come other place show 5.125% --> provided by MITBBS brokers? Maybe my
builder trying to attract me after I threat to quit the purchase, LOL.
【在 h***b 的大作中提到】
: 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.
|
i******s
发帖数: 8734 | 6 64w 就要还一辈子了？
不至于吧
【在 c****o 的大作中提到】
: 640K的loan？这不得还一辈子？
|
b*a
发帖数: 17670 | 7 就是。北京的房子卖个阳台就付清了
【在 i******s 的大作中提到】
: 64w 就要还一辈子了？
: 不至于吧
|
Y***o
发帖数: 4135 | 8 由北京的房子的就是不一样。
【在 b*a 的大作中提到】
: 就是。北京的房子卖个阳台就付清了
|
Y***o
发帖数: 4135 | 9 Any comments on the rate?
【在 Y***o 的大作中提到】
: 这个利率如何-- 昨天的报价，在加州。
: New purchase, SFR, 80% LTV, $640K mortage
: Qutation #1: 4.875% 30Yr Fix for $640K mortgage
: No point. With regular closing fee ~ comparable to others.
: ======
: Quotation #2: 5.000% 30yr fix for $640K mortgage,
: No point either. with similar closing fee,
: Lender credit= $6400 (1% of loan).
: Which one to pick?
: =========
|
h***b
发帖数: 1233 | 10 ha! my rate as of today (02/25) is 4.875% on high bal purchase loan in
socal... you can check out my postings below--i assume it's a SFR.
http://www.mitbbs.com/club_bbsdoc/charles.html
rates do fluctuate day in and day out :p
【在 Y***o 的大作中提到】
: Any comments on the rate?
|
|
|
Y***o
发帖数: 4135 | 11 Thanks for the info. So,the rate is going lower these days?
【在 h***b 的大作中提到】
: ha! my rate as of today (02/25) is 4.875% on high bal purchase loan in
: socal... you can check out my postings below--i assume it's a SFR.
: http://www.mitbbs.com/club_bbsdoc/charles.html
: rates do fluctuate day in and day out :p
|
d******n
发帖数: 2712 | 12 purchase的话，选no piont的最低rate，然后比较一下closing cost，选个相对低的银
行。
羊毛出在羊身上，broker能返出钱来是因为赚的就多，而之所以赚的多，是因为offer
的rate高。 |
d***2
发帖数: 93 | 13 今天锁了
4.875% and the lender's credit is 0.625 pt
New purchase, SFR, 75% LTV, $628K mortage，也在南加 |
Y***o
发帖数: 4135 | 14 So, you receive 0.625*628K=$3900 from broker/bank?
Which lender - if you do not mind, can you PM me?
Buying from builder or from resale home?
Thanks,
【在 d***2 的大作中提到】
: 今天锁了
: 4.875% and the lender's credit is 0.625 pt
: New purchase, SFR, 75% LTV, $628K mortage，也在南加
|
j***k
发帖数: 2719 | 15 I just locked in with Citibank last Friday. 450K Loan 3.75% on 5/1 ARM, 1/8
pt back (about $500). Just recieved the Good Faith closing estimate. The bank fees are;
appraisal: $550
origination: $625
credit rpt/fedex/etc: <$200
With the $500 rebate, Citi only charges me a total that's less than $975, including appraisal. Not even any bank lawyer's fee.
Of course, because the property is long island, NY, I got to pay various tax and
also title insurance. That pushes the closing cost to close to $20K. But as
far as Citibank is concerned, $975. That's it. |
