D*******o 发帖数: 3229 | 1 现在是5-year arm 第2年,最近准备refinance,关注mortgage rate,一直上涨,几乎
要绝望了。今天能quote的最好的APR已经到4%了。请有经验的,最好作过broker的同胞
给个建议,是否现在立刻上船。4%不是很好,但担心以后只能更高。 |
s********y 发帖数: 3811 | 2 i still don't understand why ppl with names "dr***" or "professor***" ask
dumb questions on this board.
【在 D*******o 的大作中提到】 : 现在是5-year arm 第2年,最近准备refinance,关注mortgage rate,一直上涨,几乎 : 要绝望了。今天能quote的最好的APR已经到4%了。请有经验的,最好作过broker的同胞 : 给个建议,是否现在立刻上船。4%不是很好,但担心以后只能更高。
|
p******y 发帖数: 3523 | 3 没人能保证rate一定还会变好,或者一定就不会变好。既然今年才是ARM的第二年,LZ
还有时间观望一下。
LZ是打算refi成fixed 30年的? |
r******d 发帖数: 1879 | 4 Nobody really can predict how rate will go. You can do the calculations.
1. what is your current 5 yrs ARM rate?
2. every .125% lower on the rate will save you 0.125% * current loan amount
/ 12, per month.
do the calculate to see if it is worth to do the refinance. If your current
rate is very high and you can get the no cost refinance anyway, it doesn't
hurt to do the refinance even the rate is not at the lowest point.
If only minor changes, since you are only at the 2nd year of 5 yrs ARM, you
can just wait for a little bit.
Best luck.
【在 D*******o 的大作中提到】 : 现在是5-year arm 第2年,最近准备refinance,关注mortgage rate,一直上涨,几乎 : 要绝望了。今天能quote的最好的APR已经到4%了。请有经验的,最好作过broker的同胞 : 给个建议,是否现在立刻上船。4%不是很好,但担心以后只能更高。
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D*******o 发帖数: 3229 | 5 Thank you very much, 'rainhard'.
To 'secondcity ': 我这个ID是当年准备博士论文答辩时注册的,当时对Dr.的前缀还
是很神往的。 |
s********y 发帖数: 3811 | 6 ... see. it is a stigma now...
【在 D*******o 的大作中提到】 : Thank you very much, 'rainhard'. : To 'secondcity ': 我这个ID是当年准备博士论文答辩时注册的,当时对Dr.的前缀还 : 是很神往的。
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D*******o 发帖数: 3229 | 7 You are funny. In academia where I work, Mr. or Ms. is a stigma.
发信人: secondcity (pain is love), 信区: Living
标 题: Re: Refince求建议
发信站: BBS 未名空间站 (Mon Jun 10 14:59:13 2013, 美东)
... see. it is a stigma now... |