M********I
发帖数: 848 | | s********e
发帖数: 893 | 2 你这问题把人都吓住了，班上那么多loan officer竟没人敢回。 | M********I
发帖数: 848 | 3 今天的利率出来了。很勉强。还不能说是到了3.75. | y**i
发帖数: 782 | 4 no cost refinancing利率比正常高0.125%吗？ 多谢
【在 M********I 的大作中提到】
: 今天的利率出来了。很勉强。还不能说是到了3.75.
| M********I
发帖数: 848 | | k******o
发帖数: 3328 | 6 Each and every refinancing will incur a few thousand dollars (i.e. title
insurance, escrow fee, lender related charges, credit report fee, etc). If
our promise as mortgage broker to you is No Point No Fee refinancing,
it should be 100% covered, thus mortgage rate is invariably higher than the
case if you pay the closing cost yourself.
Generally No Point No Fee refinancing is preferred option because you
could always refinance in 4 month if the mortgage rate drops again, whereas you
start to enjoy the joyfulness of saving money if the market rate shoots up. Thus you are hedged in some perspective.
【在 y**i 的大作中提到】
: no cost refinancing利率比正常高0.125%吗？ 多谢
| K****z
发帖数: 405 | 7 IL 州的可以做到 3.75% no cost 30 year fix. | M********I
发帖数: 848 | |
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