r******e
发帖数: 289 | 1 The Feds is purchasing bonds with the injection of around 8 billion. Do not
assume the balance will be staying for next few days. The passage of tax
bill or the comments from Fed's meeting hold tomorrow can easily tilt the
direction again.
Conforming Loan (<=417k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.750 4.125 3.250
Refinance Loan 4.875 4.250 3.500
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=400K, FICO>=740, LTV<=80%( SFH) or 75%( Condo), primary residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
High Balance Loan (<=729k)
Purpose of Loan 30 YR 15 YR 5/1
Purchase Loan 4.875 4.250 3.500
Refinance Loan 5.000 4.375 3.625
The rates are based on criterion below and good for the time when they are
quoted:
Loan $ >=600K, FICO>=740, LTV<=80% for SFH or 75% for Condo, primary
residence.
There is no point, no fee for refinance but there is fee for purchase loan.
Rate change is subject to loan amount, impound and other conditions.
If you need to get real-time rate for your specific loan,
please include the answers to following questions into your email or visit
my club
洛城房地产贷款(LA_Real_Estate_Mortgage)俱乐部
http://www.mitbbs.com/club_bbsdoc/LA_Real_Estate_Mortgage.html
DRE # 01880010
NMLS # 339172
1) Loan amount
2) Self-occupied or Investment
3)Single Family House or Condo
4)Self-estimated FICO score
5)Expected LTV (loan to value of house)
6) W-2 or Self employed
7) Expected yearly DTI (Debt to income) ratio
8) Any other houses or loans
9) Type of loan you are interested(refi/new, 30,15,5/1)
10) Your current mortgage rate
Hope this make your life easier ! | l**p
发帖数: 569 | 2 which direction it might tilt ne?
not
【在 r******e 的大作中提到】
: The Feds is purchasing bonds with the injection of around 8 billion. Do not
: assume the balance will be staying for next few days. The passage of tax
: bill or the comments from Fed's meeting hold tomorrow can easily tilt the
: direction again.
: Conforming Loan (<=417k)
:
: Purpose of Loan 30 YR 15 YR 5/1
: Purchase Loan 4.750 4.125 3.250
: Refinance Loan 4.875 4.250 3.500
:
| r******e
发帖数: 289 | 3 The extension of tax-bill will disfavor the mortgage rate.
If Feds will continue its program after its own evaluation, the rates will
be driven down.
Both will trigger short-term jittery. If you are new purchasers, you got to
take advantage of the short-window opportunity given by the second one.
The general market condition at this time is still trending up. And the
first factor will add more splash into the market than the second one. So,
if the window does open up, it will be a very short one. Overall, the
current rate is testing refinance people's guts and patience.
Everything above is my personal opinion. Welcome comments and discussions.
【在 l**p 的大作中提到】
: which direction it might tilt ne?
:
: not
| l**p
发帖数: 569 | 4 Tax-bill is extended, and Fed is keeping its program. So
it means the rate will keep going up with some jittery?
to
【在 r******e 的大作中提到】
: The extension of tax-bill will disfavor the mortgage rate.
: If Feds will continue its program after its own evaluation, the rates will
: be driven down.
: Both will trigger short-term jittery. If you are new purchasers, you got to
: take advantage of the short-window opportunity given by the second one.
: The general market condition at this time is still trending up. And the
: first factor will add more splash into the market than the second one. So,
: if the window does open up, it will be a very short one. Overall, the
: current rate is testing refinance people's guts and patience.
: Everything above is my personal opinion. Welcome comments and discussions.
| r******e
发帖数: 289 | 5 Yes, the rates are trending up with possible slight drops brought up by some
economic indicators coupled with market speculation. If you are a purchaser
and have a short waiting period, say one week, I would suggest you to lock
your rate. Too much pressure now.
Just hope when we get up tomorrow morning, something can happen to avert
this trend!
【在 l**p 的大作中提到】
: Tax-bill is extended, and Fed is keeping its program. So
: it means the rate will keep going up with some jittery?
:
: to
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