a*****n
发帖数: 5158 | 1 mortgate agent发的，这个可调一次的感觉没啥用啊
因为是builder的mortage agent，没法用别家的，NND
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I currently show you doing 20% down on a 30 year fixed conventional
loan. If you were to lock in today, If you were to do a 120 day rate
lock, you would add .125% to today’s rate to determine your cap rate.
Based on where we are today, the cap rate would be 4.375% + .125% or
4.50%. That means the worst your rate could be is 4.50%. You then have
one chance to float the rate down within 30 days of closing. At time
of float down, you would get the market rate + .125%. If the market
rate is at 3.00%, you would actually get 3.125% as your final rate.
If the market rate at float down was 6.00%, you would get 4.50% which
was your initial cap rate. You would pay .50% of the loan amount up
front which is credited back to you at closing unless you cancel for any
reason.
现在project的是3月底4月初close,
给我说90-day lock还没有120-day lock rate好，怎么会这样? | c**********e
发帖数: 1184 | 2 (1)Lender是在询问您是否现在lock利率，如果现在lock，可以保证最高可以拿到4.5%
的利率，且在close之前30天以内有1此免费float down的机会，如果那时候的市场比现
在的差，那么不多说利率还是4.5%；如果那时候的市场比现在好，那么能够float down
的利率是基于那时候的利率再加上0.125%。
（2）一般120天lock的利率没有90天lock的利率要好，可能是银行内部系统的program
有不同，比如那个120天program本身没有90天lock的option，但是有90天option的
program利率价格又没有120天那个好。
个人建议您还是跟lender问清楚如果现在lock利率的话是不是就lock在4.5%不能改了（
如果不考虑那个float down option的话）。另外4.5%，4.375%，4.25%等的利率下您能
拿多少credit或者要付多少point，如果不能改那么根据情况lock一个心宜的，因为他
说的是cap rate为4.5%并没有说不能lock一个低一点的。另外，如果您认为市场将来还
会变好，也可以选择不lock而先让银行审批。
【在 a*****n 的大作中提到】
: mortgate agent发的，这个可调一次的感觉没啥用啊
: 因为是builder的mortage agent，没法用别家的，NND
: -------------
: I currently show you doing 20% down on a 30 year fixed conventional
: loan. If you were to lock in today, If you were to do a 120 day rate
: lock, you would add .125% to today’s rate to determine your cap rate.
: Based on where we are today, the cap rate would be 4.375% + .125% or
: 4.50%. That means the worst your rate could be is 4.50%. You then have
: one chance to float the rate down within 30 days of closing. At time
: of float down, you would get the market rate + .125%. If the market
| o*****p
发帖数: 5952 | 3 除非建商给钱，无必要找他们。
利率供参考。
http://www.mitbbs.com/clubarticle_t/SoCalMortgageRealty/379987.
【在 a*****n 的大作中提到】
: mortgate agent发的，这个可调一次的感觉没啥用啊
: 因为是builder的mortage agent，没法用别家的，NND
: -------------
: I currently show you doing 20% down on a 30 year fixed conventional
: loan. If you were to lock in today, If you were to do a 120 day rate
: lock, you would add .125% to today’s rate to determine your cap rate.
: Based on where we are today, the cap rate would be 4.375% + .125% or
: 4.50%. That means the worst your rate could be is 4.50%. You then have
: one chance to float the rate down within 30 days of closing. At time
: of float down, you would get the market rate + .125%. If the market
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