mt
发帖数: 211 | 1 For details on the increase of guarantee fees on Fannie Mae and Freddie Mac
to cover the cost of the extension of payroll tax deduction, visit：http://www.marketwatch.com/story/fannie-freddie-fee-rise-from-payroll-tax-set-2011-12-29，
http://www.fhfa.gov/webfiles/22982/GFEESTMT122911F.pdf
Note although the starting date is 4/1/2012, lenders will need to impose
fees much earlier because it will take a long time to close loans and sell
them to Fannie Mae or Freddie Mac.
10 base points more guarantee fees means that the interest rate is 0.1%
higher.
Here is an example for how a loan's rate can be affected:
Primary residence, single family house, 30-year fixed, loan amount of $400,
000, house's value of at least $667,000, credit score of at least 740
without no special situations, currently the borrower can get: 3.75% wihout
cost, plus about $1100 extra credit to be applied to the prepaid interes and
tax/insurance reserves. But with the new guarantee fees, the borrower's
rate would be about 3.85% if the mortgage market remains the same.
看到一家银行刚刚推出调整利息的细则：1月10日前锁利息的并且在2月17日前Funding
的，不受新的收费影响。大部分银行还未发布相应的调整细则。
现在fixed-rate的房贷利息创历史新低。想refinance的请赶紧申请呀。
如果想要Quote，请提供以下信息：
1. Loan amount, estimated property value,term (such as 30-year fixed)
2. Property type (primary residence or condo). Primary residence, investment
property, or second home.
3. Estimated credit scores. Scores of at least 740 usually can get the best
rates.
4. Any special situations such as short period of employment and credit
history in USA, has never filed tax return yet, unemployment gap, collection
and disputes.
有意refinance者，请联系（206-816-5814，m**********[email protected]). | V**********1
发帖数: 24381 | 2 这年头买卖不好做吧？现在每年40万有么？
Mac
【在 mt 的大作中提到】
: For details on the increase of guarantee fees on Fannie Mae and Freddie Mac
: to cover the cost of the extension of payroll tax deduction, visit：http://www.marketwatch.com/story/fannie-freddie-fee-rise-from-payroll-tax-set-2011-12-29，
: http://www.fhfa.gov/webfiles/22982/GFEESTMT122911F.pdf
: Note although the starting date is 4/1/2012, lenders will need to impose
: fees much earlier because it will take a long time to close loans and sell
: them to Fannie Mae or Freddie Mac.
: 10 base points more guarantee fees means that the interest rate is 0.1%
: higher.
: Here is an example for how a loan's rate can be affected:
: Primary residence, single family house, 30-year fixed, loan amount of $400,
| mt
发帖数: 211 | 3 这例子中的40万指的是贷款额(loan amount)，不是年收入.别的贷款额也行，相应的利
息或者cost/extra credit 可能不一样。
【在 V**********1 的大作中提到】
: 这年头买卖不好做吧？现在每年40万有么？
:
: Mac
| y******r
发帖数: 1500 | 4 最近怎么老是这种消息
Mac
【在 mt 的大作中提到】
: For details on the increase of guarantee fees on Fannie Mae and Freddie Mac
: to cover the cost of the extension of payroll tax deduction, visit：http://www.marketwatch.com/story/fannie-freddie-fee-rise-from-payroll-tax-set-2011-12-29，
: http://www.fhfa.gov/webfiles/22982/GFEESTMT122911F.pdf
: Note although the starting date is 4/1/2012, lenders will need to impose
: fees much earlier because it will take a long time to close loans and sell
: them to Fannie Mae or Freddie Mac.
: 10 base points more guarantee fees means that the interest rate is 0.1%
: higher.
: Here is an example for how a loan's rate can be affected:
: Primary residence, single family house, 30-year fixed, loan amount of $400,
| k******a
发帖数: 365 | 5 没那么严重，40万30年一个月也就多出不到20块
Mac
【在 mt 的大作中提到】
: For details on the increase of guarantee fees on Fannie Mae and Freddie Mac
: to cover the cost of the extension of payroll tax deduction, visit：http://www.marketwatch.com/story/fannie-freddie-fee-rise-from-payroll-tax-set-2011-12-29，
: http://www.fhfa.gov/webfiles/22982/GFEESTMT122911F.pdf
: Note although the starting date is 4/1/2012, lenders will need to impose
: fees much earlier because it will take a long time to close loans and sell
: them to Fannie Mae or Freddie Mac.
: 10 base points more guarantee fees means that the interest rate is 0.1%
: higher.
: Here is an example for how a loan's rate can be affected:
: Primary residence, single family house, 30-year fixed, loan amount of $400,
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