m*********o
发帖数: 7545 | |
T********e
发帖数: 8631 | |
m*********o
发帖数: 7545 | 3 大哥呀，你说点有实质的行不？
我合同刚送回来，这不准备贷款嘛. 就差这两天利息就上去了，不甘心啊。
【在 T********e 的大作中提到】
: 你房子都买了贷款还等，显然是BSO不缺米
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T********e
发帖数: 8631 | 4 I'm surprised you could get a deal without a pre-approved loan.
【在 m*********o 的大作中提到】
: 大哥呀，你说点有实质的行不？
: 我合同刚送回来，这不准备贷款嘛. 就差这两天利息就上去了，不甘心啊。
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j****7
发帖数: 3032 | 5 这个问题的答案就好像你问明天股市会涨吗一样。答案就是不知道。
【在 m*********o 的大作中提到】
: 改拿吗？ 还是等等
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s********y
发帖数: 3811 | 6 i will wait myself. Still waiting for appraisal result. The worst case is
that I will need to pay extract for points.
【在 m*********o 的大作中提到】
: 改拿吗？ 还是等等
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m*********o
发帖数: 7545 | 7 那个不就是给人卖家看一下的吗？ 有实际作用吗？
你证明给卖家你有心买，有能力买，不久够了吗
【在 T********e 的大作中提到】
: I'm surprised you could get a deal without a pre-approved loan.
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m*********o
发帖数: 7545 | 8 你是说买ＰＯＩＮＴＳ 降点利率的那个吗？ 那个要长时间才划算。
【在 s********y 的大作中提到】
: i will wait myself. Still waiting for appraisal result. The worst case is
: that I will need to pay extract for points.
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s********y
发帖数: 3811 | 9 that's true. the property i am buying can be rented out quite easily, so i
might just hold it for long time.
【在 m*********o 的大作中提到】
: 你是说买ＰＯＩＮＴＳ 降点利率的那个吗？ 那个要长时间才划算。
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x****o
发帖数: 29677 | |
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T********e
发帖数: 8631 | 11 That one should have an pre approved loan with APR on it valid till certain
date. If it's lower than 3.75, you should be happy and ask the bank to give
you the loan.
【在 m*********o 的大作中提到】
: 那个不就是给人卖家看一下的吗？ 有实际作用吗？
: 你证明给卖家你有心买，有能力买，不久够了吗
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m*********o
发帖数: 7545 | 12 不可以这样的吧。 我那个时候去银行问的时候，我说有没有可以花钱买一段时间的利
率锁定，都说不可以。
certain
give
【在 T********e 的大作中提到】
: That one should have an pre approved loan with APR on it valid till certain
: date. If it's lower than 3.75, you should be happy and ask the bank to give
: you the loan.
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i*****g
发帖数: 2564 | 13 Which bank are you using? I think the major ones offers 60 days rate locks.
With a rate lock, you can get a new rate if the current rate goes below your
locked rate, but usually only if it is above certain threshold (about 3/8%).
For example, you lock in now at 3.75, and it is down to 3.25, you can tell
the bank you want a new rate (probably a little more than 3.25). Note: you
need to close within a more tighter time frame once the new rate kicks in.
【在 m*********o 的大作中提到】
: 不可以这样的吧。 我那个时候去银行问的时候，我说有没有可以花钱买一段时间的利
: 率锁定，都说不可以。
:
: certain
: give
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l***c
发帖数: 1634 | 14 Why sweat over .25 rate?
You win some, you lose some, that's life. Just accept it and move on.
3.75 is still a VERY GOOD deal.
【在 m*********o 的大作中提到】
: 不可以这样的吧。 我那个时候去银行问的时候，我说有没有可以花钱买一段时间的利
: 率锁定，都说不可以。
:
: certain
: give
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m*********o
发帖数: 7545 | 15 嗯 有道理。
其实心里就是等这么个人开刀我
【在 l***c 的大作中提到】
: Why sweat over .25 rate?
: You win some, you lose some, that's life. Just accept it and move on.
: 3.75 is still a VERY GOOD deal.
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m*********o
发帖数: 7545 | 16 我问的BOA和WELLS FARGO 都说先不可以。
locks.
your
%).
you
【在 i*****g 的大作中提到】
: Which bank are you using? I think the major ones offers 60 days rate locks.
: With a rate lock, you can get a new rate if the current rate goes below your
: locked rate, but usually only if it is above certain threshold (about 3/8%).
: For example, you lock in now at 3.75, and it is down to 3.25, you can tell
: the bank you want a new rate (probably a little more than 3.25). Note: you
: need to close within a more tighter time frame once the new rate kicks in.
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b***y
发帖数: 972 | 17 same boat as you. just signed contract. waiting for rate to drop. it is
dropping a little bit lower today. be a little bit patient.
【在 m*********o 的大作中提到】
: 改拿吗？ 还是等等
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Y******u
发帖数: 1912 | 18 我当时还拿cash加一个quarter的point呢。。。花钱买point最不划算了，本来利率就
这么低
你真算一下，一个quarter利率没有差很多 |
l********l
发帖数: 9452 | 19
看non farm payroll，rate基本跟这个走。
话说回来，就算差.5也没多少，改买房还是得买，长远看，没啥区别。最重要一条，羊
毛出在羊身上，千万别买points。
【在 m*********o 的大作中提到】
: 改拿吗？ 还是等等
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m*******y
发帖数: 14292 | |
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b***y
发帖数: 972 | 21 看tnx比较准确吧。
【在 l********l 的大作中提到】
:
: 看non farm payroll，rate基本跟这个走。
: 话说回来，就算差.5也没多少，改买房还是得买，长远看，没啥区别。最重要一条，羊
: 毛出在羊身上，千万别买points。
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l********l
发帖数: 9452 | 22
tnx是结果，payroll是原因。你去查查最近几次rate变化就知道鸟。
【在 b***y 的大作中提到】
: 看tnx比较准确吧。
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a*o
发帖数: 25262 | 23 30 年的房屋利息跟美国 10 年的债卷 yield 有密切的关系，两个拉着手走同一个方向
的，一般相差百分 1.75-2
昨天 美国 10 年的债卷 2.02，30年房屋利息 3.75，自己看这 10Y 的一栋。
看来 10Y 的是不断涨。。
http://www.treasury.gov/resource-center/data-chart-center/inter
【在 m*********o 的大作中提到】
: 改拿吗？ 还是等等
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i*****g
发帖数: 2564 | 24 Check with Chase. The 3.75% quote they give comes with a 60 days lock.
【在 m*********o 的大作中提到】
: 我问的BOA和WELLS FARGO 都说先不可以。
:
: locks.
: your
: %).
: you
|
s********y
发帖数: 3811 | 25 chase usually doesn't have best rates. tdbank is good.
【在 i*****g 的大作中提到】
: Check with Chase. The 3.75% quote they give comes with a 60 days lock.
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s********y
发帖数: 3811 | 26 why buying point is not a good idea? given the low mortgage rate, there won'
t a need for refinance to lower the rate. if the buyer wants to hold the
property for 10 years or so, buying points sounds a good deal to me..
【在 Y******u 的大作中提到】
: 我当时还拿cash加一个quarter的point呢。。。花钱买point最不划算了，本来利率就
: 这么低
: 你真算一下，一个quarter利率没有差很多
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k***a
发帖数: 2258 | 27 i think she was talking about pre-qualify which does not require a hard pull
of credit, not pre-approved.
locks.
your
%).
you
【在 i*****g 的大作中提到】
: Which bank are you using? I think the major ones offers 60 days rate locks.
: With a rate lock, you can get a new rate if the current rate goes below your
: locked rate, but usually only if it is above certain threshold (about 3/8%).
: For example, you lock in now at 3.75, and it is down to 3.25, you can tell
: the bank you want a new rate (probably a little more than 3.25). Note: you
: need to close within a more tighter time frame once the new rate kicks in.
|
i*****g
发帖数: 2564 | 28 No, she is already in contract.
pull
【在 k***a 的大作中提到】
: i think she was talking about pre-qualify which does not require a hard pull
: of credit, not pre-approved.
:
: locks.
: your
: %).
: you
|
i*****g
发帖数: 2564 | 29 Yes, TD is another choice. They have 60 days lock period too.
Very surprise that BOA and Wells Fargo do have that.
【在 s********y 的大作中提到】
: chase usually doesn't have best rates. tdbank is good.
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Y******u
发帖数: 1912 | 30 1. u never know for sure that you would hold it for 10 years or more.
2. in order to get this 10 year break even point, you need to assume a very
low inflation and low investment return, which are not always true
3. it is always better to have cash now than later. Most people here may not
reach the peak of career when buy first property. So 5K or 10K now worth
much more than in 10 years, even assuming no inflation and investment return
.
won'
【在 s********y 的大作中提到】
: why buying point is not a good idea? given the low mortgage rate, there won'
: t a need for refinance to lower the rate. if the buyer wants to hold the
: property for 10 years or so, buying points sounds a good deal to me..
|
|
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H**u
发帖数: 228 | 31 我觉得你可能误解搂住的意思了，她可能只是在银行开了一个pre-approval,上面只是
说borrower qualify多少amount的loan，她拿着这个letter才能去看房子。她当时可能
顺便问了一下当天大概是个什么利息，但是并没有进入到实际的loan processing，她
当时应该连哪个房子都没有看好，连申请表格都还没有签，银行也不可能有她的
documents，所以不可能有银行给她锁利息的。
【在 i*****g 的大作中提到】
: Yes, TD is another choice. They have 60 days lock period too.
: Very surprise that BOA and Wells Fargo do have that.
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h*****g
发帖数: 596 | 32 问问贷款broker吧,他们一般手头有几家较熟的银行有可能拿到便宜的. |
W********i
发帖数: 1115 | 33 可能性越来越小了，差不多就拿吧
【在 m*********o 的大作中提到】
: 改拿吗？ 还是等等
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c*****g
发帖数: 716 | 34 我曾经是2.25,不过好时光不再。
【在 m*********o 的大作中提到】
: 改拿吗？ 还是等等
|
