l****n
发帖数: 727 | 1 最近申请了2张2% Cash back的信用卡，估计影响了一把。
用AMEX 提供的免费的Experian credit report 查的。好像这个分数跟fico分数还不一
样。
这分数是不是差了点。
买bank owned 房子一般多少down pay比较好点？ | g********n
发帖数: 2314 | 2 720
CBS: "The best number to have is 720 or above. If your score is 720,
there's really no need to try and raise it because lenders lump you in
the same category as folks with a score of say 800 or 820." (see 760)
Charles A. Capone, Jr., Ph.D Senior Analyst, Microeconomic and Financial
Studies Division U.S. Congressional Budget Office Washington, DC,
writing in "Research Into Mortgage Default and Affordable Housing: A
Primer": For most of the 1990s, the mortgage market viewed a FICO score
of 620 as the bottom cut off for prime loans, meaning loans that could
be sold to Fannie Mae or Freddie Mac. Scores in the 580-620 range were
considered 'near' prime, with labels such as A-minus, and those above
720 were considered low risk borrowers."
Quicken Loans, a subsidiary of Rock Holdings: "Scores of 720 and above
are considered top tier."
Wikipedia, "the free encyclopedia": A score above 720 is considered to
be "good credit," and a score below 600 is considered to be poor.
Bankrate.com: "A score of 720 or higher will get you the most favorable
interest rates on a mortgage, according to data from Fair Isaac Corp., a
California-based company that developed the credit score." ("Posted:
March 1, 2005")
U.S. Department of Agriculture: "FICO Scores of 720 and above. The risk
of default is statistically very low for applicants with credit scores
in this range."
Las Vegas SUN: "Fair Isaac said that for a $150,000 30-year, fixed-rate
mortgage consumers with a score of 720 or better would be in line for an
interest rate of 5.82 percent, translating into a monthly payment of
$882."
Clark Howard: "The score of 720 or above means you’re in great shape
credit wise."
【在 l****n 的大作中提到】
: 最近申请了2张2% Cash back的信用卡，估计影响了一把。
: 用AMEX 提供的免费的Experian credit report 查的。好像这个分数跟fico分数还不一
: 样。
: 这分数是不是差了点。
: 买bank owned 房子一般多少down pay比较好点？
| l****n
发帖数: 727 | | t****u
发帖数: 8614 | 4
可以做，但是拿不到best rate，现在要拿best rate, 740。
【在 l****n 的大作中提到】
: 最近申请了2张2% Cash back的信用卡，估计影响了一把。
: 用AMEX 提供的免费的Experian credit report 查的。好像这个分数跟fico分数还不一
: 样。
: 这分数是不是差了点。
: 买bank owned 房子一般多少down pay比较好点？
| l****n
发帖数: 727 | 5 现在best rate是指4.xx%是嘛？如果多交down pay 有帮助嘛？
我购买力有限，就一个人工作，所以focus on 40万的房子。目前能拿出15万的首付。
全交首付一分不留，估计也不好周转。估计怎么着得留2，3万作为新买房后的启动。所
以最多能交12万的首付吧，就是30%。 | p******t
发帖数: 1598 | 6 你有很多$$啊，现在没有最好的也没关系，以后可以re-fi
【在 l****n 的大作中提到】
: 现在best rate是指4.xx%是嘛？如果多交down pay 有帮助嘛？
: 我购买力有限，就一个人工作，所以focus on 40万的房子。目前能拿出15万的首付。
: 全交首付一分不留，估计也不好周转。估计怎么着得留2，3万作为新买房后的启动。所
: 以最多能交12万的首付吧，就是30%。
| l****n
发帖数: 727 | |
|
