S*******9 发帖数: 368 | 1 【 以下文字转载自 SanDiego 讨论区 】
发信人: Sunnyday9 (Bless), 信区: SanDiego
标 题: Should I refi now?
发信站: BBS 未名空间站 (Tue Mar 26 10:18:38 2013, 美东)
My mortgage is currently 5 yr ARM at 2.625, and the first 5yrs have 3.5 yrs
left. Now the 30 yr fixed rate is 3.5for me. The 10 yr note rate is kind of
flat currently , but may potentially rise. Should I refi now to lock a
longer rate? |
b********2 发帖数: 5191 | 2 if you are not sure about 30yr, at least can do a 7ARM, which is also about
2.625%
check out the rate in my club |
S*******9 发帖数: 368 | 3 I think that doesn't answer my key concern . To be honest, ur solution may
just help broker making more Refis. |
x********5 发帖数: 677 | 4 感觉有些人讲话不受听。别人给意见不感激,只抬杠。说句谢谢那么难吗? |
S*******9 发帖数: 368 | 5 Pls be mature to tell the true purpose first. |
S*******9 发帖数: 368 | 6 Pls be mature to tell the true purpose first. |
x******g 发帖数: 3952 | 7 楼主看来自己注意已经拿定了。就是想让人民群众附和称赞一下?
may
【在 S*******9 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I think that doesn't answer my key concern . To be honest, ur solution may : just help broker making more Refis.
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g*s 发帖数: 2277 | 8 住一辈子(或者以后一直出租)就30fix,几年十几年后要升级卖掉就按楼上的转7ARM
yrs
of
【在 S*******9 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Pls be mature to tell the true purpose first.
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k***a 发帖数: 2400 | 9 Currently 30 yrs fixed rate is 3.5% if you have a credit score > = 740 and
LTV <=60.
It depends on how you predict the rate trends , If you think long term rate
will be flat or lower , you can stay for 3.5 yrs with your 2.625% and change
to 30 yrs fixed later, but if rate keeps going up, then you will miss the
historically low mortgage rates... |
p******l 发帖数: 203 | 10 LZ貌似很不nice嘛,其实人家说转7ARM是很有道理的。
5ARM或者7ARM,即使rate相同,no cost的refinance就等于把优惠的利率给延长了,如
果转7ARM这个,你等于2.625%的这个rate一直用了8年多,明显有利嘛。 |
l*****y 发帖数: 317 | 11 用英文说中国话,这种就是典型的庄比。
【在 x********5 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 感觉有些人讲话不受听。别人给意见不感激,只抬杠。说句谢谢那么难吗?
|
m****a 发帖数: 1257 | 12 有些人值得帮,有些人不值得。
【在 l*****y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 用英文说中国话,这种就是典型的庄比。
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m*****y 发帖数: 367 | 13 我刚买房,5 yr ARM 才 3.125,sigh
yrs
of
【在 S*******9 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Pls be mature to tell the true purpose first.
|