I**********0 发帖数: 17 | 1 550K loan, 5/1 ARM no cost, how much is rate now? |
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j*****3 发帖数: 654 | 2 我觉得你这个agent真的是seller那一边的,这么pushy,居然跟你算月供多多少不算什
么,这跟那些car salesman有什么区别?跟你的agent说,如果ta肯帮你出这每月90刀
你就提价。
不要以为熟人介绍的就会为你着想,我看过相反的例子。我猜你们大概表现得太喜欢这
个房子了,而且ta成功地让你们从550k升到570k,所以你的agent跟sell,还有seller
的agent就觉得还能从你这里多榨出点血来,我就没见过buyer agent跟seller agent那
套出那么多详情,一套套的跟故事似的,一般出价、还价都是心理战,哪儿那么容易就
给出底线来?!所谓“底线”就是做套等你钻呢。
跟你的agent说,你们雇他是希望他能够跟seller方面negotiate hard to get the
price YOU want, not the price the seller wants,如果他做不到你们不排除另谋他
人。如果nj允许dual agency的话,说你们会直接找seller agent,seller agent有双
份可赚,绝对会说服seller帮你降价 |
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d*******8 发帖数: 3182 | 3 short sale, list price: $550k
打算:
1,$480k, 20% downpay
2, $400k, all cash
那个被银行接受的可能性大呢? |
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i****y 发帖数: 5184 | 4 刚刚从国内回来,朋友说赶紧去refinance,现在利率又狂降。我们现在的loan是
550k jumbo conforming
30 year
4.875%
我还没问当前可以拿到什么rate,fee要多少之类。
大家看看我这个情况值得去折腾吗?
能拿到多少rate值得去搞? |
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T********e 发帖数: 1025 | 7 4.5% with 1400 credit or 4.375% with no credit? Plan to live for at least 5
years. |
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t****o 发帖数: 442 | 8 I will go with 4.375 if I were you.
Can I get your broker's number? Thank you. |
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d*****s 发帖数: 9 | 9 请大家看看我们这样撑不撑?
550k with downpay 130k, 双职工 150k/yr. 一个娃1岁,还有一个明年出生。工作稳
定性一
般。
谢谢大家阿,穷人没有包子,呵呵。 |
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P******e 发帖数: 81 | 10 还得看地税,有的地方550k的房子要1万多,每月就是1000, |
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l*****g 发帖数: 3084 | 11 OK deal?
Or there will be lower rate in near future? |
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g********3 发帖数: 1281 | 12 could be lower, but a good deal. which company and which area? we are
looking to refinance too. DC area. Thx. |
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l*****g 发帖数: 3084 | 13 I am in DC area too. Just send the broker's phone to you. |
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d**s 发帖数: 1255 | 15 with or w/o impound account? |
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d**s 发帖数: 1255 | 16 could be lower if w/ impound |
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l*****g 发帖数: 3084 | 18 Any contact info for the agency who can give a lower rate with impound? |
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l*****g 发帖数: 3084 | 20 several days ago
but I think should be similar to today. |
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a*******8 发帖数: 5069 | 21 今天还涨了一些,由于股市高涨,我今天lock的4.375 30 yr fixed,MA |
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l*****g 发帖数: 3084 | 22 > 417k and without impound? |
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l*******n 发帖数: 2718 | 24 not bad.
Why do people care so much about impound or not? For me, that's no
difference at all. |
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g********3 发帖数: 1281 | 25 Thanks, but she can only do MD and VA. We are in DC. :(
Do you know any other brokers? Thanks. |
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g********3 发帖数: 1281 | 26 How about AmeriSave? Their rates are low. Anyone has used this company? |
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p**q 发帖数: 535 | 27 thank laoying
i called this broker today. it's 4.5% now |
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b*d 发帖数: 9308 | 28 The rate went up by around 0.125% in the past week or so. |
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l*****g 发帖数: 3084 | 29 今天又可以锁到了
看来是,没有最低,只有更低啊。 |
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g********3 发帖数: 1281 | 31 You did not lock last time?
We are still waiting for 15 yr fixed 3.875% no cost, jumbo. 4% was reached a
few times, but it just does not go down any further. Hopefully soon.
Thanks for the agent you recommended last time. She can't do DC, but
recommended someone else who is also good. :) |
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s*****g 发帖数: 237 | 33 【 以下文字转载自 SanDiego 讨论区 】
发信人: shiying (~不哭了~), 信区: SanDiego
标 题: super conforming 4.375@30yr fixed for no cost refinance
发信站: BBS 未名空间站 (Thu Sep 23 10:34:33 2010, 美东)
For loan amount > 550k. no impound no poit no fee.
If you are intersted feel free to call 408 717 0868 or email shiyingdeng@
gmail.com to discuss.
Window may be short...... |
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r******d 发帖数: 1879 | 34 Your own income is enough for maximum 550K loan. OPT only complicates your
loan application |
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c**********e 发帖数: 1184 | 36 今天早晨利率发布(7:36AM PST)后的第一次更新(9:46AM PST):
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.375 3.750 3.625 3.875
<=$729K 4.750 4.125 3.750
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/... 阅读全帖 |
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c**********e 发帖数: 1184 | 37 SUMMARY: 今天的利率和上星期五的大致持平。Conforming Purchase可做到4.375%了。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.375 3.750 3.625 3.875
<=$729K 4.750 4.125
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$4... 阅读全帖 |
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c**********e 发帖数: 1184 | 38 SUMMARY: 1:45PM (PST)更新!今天到目前为止利率又更新了两次,比今天开始时发布
的利率稍好。大家可以比较一下自己所关注的贷款品种是否有变化。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.375 3.750 3.375 3.625
<=$729K 4.750 4.000 3.625
REFINANCE CASH-OUT RATE:
30-Yr ... 阅读全帖 |
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c**********e 发帖数: 1184 | 39 SUMMARY: 今天(12月1日星期三)的利率涨了。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.625 3.875
<=$729K 4.750 4.250 3.750
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$... 阅读全帖 |
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c**********e 发帖数: 1184 | 40 SUMMARY: 今早利率初次发布后,银行又发布了两次利率价格更新,向下调整了!
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.625 3.875
<=$729K 4.750 4.250 3.750
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM ... 阅读全帖 |
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c**********e 发帖数: 1184 | 41 SUMMARY: 今天的利率和昨天收盘时持平。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.625 3.875
<=$729K 4.750 4.250 3.750
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K... 阅读全帖 |
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c**********e 发帖数: 1184 | 42 SUMMARY: 今天的利率和星期五(12月3日)收盘时持平。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.500 3.750
<=$729K 4.750 4.250 3.750
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM... 阅读全帖 |
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c**********e 发帖数: 1184 | 43 SUMMARY: 今早利率初次发布后,银行又下调了两次利率价格,重新贷款30年固定可以
做到4.5%了!
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.500 3.875 4.375 3.750 3.250 3.500
<=$729K 4.750 4.125 3.500
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr ... 阅读全帖 |
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c**********e 发帖数: 1184 | 44 SUMMARY: 今天的利率涨了!比昨天普遍的高0.125%!
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.625 4.000 4.500 3.875 3.625
<=$729K 4.750 4.250
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K... 阅读全帖 |
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c**********e 发帖数: 1184 | 45 SUMMARY: 今天的初始利率发布后,银行又多次上调了利率价格。30年固定购房贷款涨
到到4.625%了,前不久还可以做到4.375%呢,这利率真是疯涨啊!
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.250 4.625 4.125
<=$729K
REFINANCE CASH-OUT RATE:
30-Yr 15... 阅读全帖 |
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c**********e 发帖数: 1184 | 46 SUMMARY: 今天的利率又涨了!银行的利率发布出错,15年和10年固定还是可以做No
Point No Fee的。虚惊一场!
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125
<=$729K 5.000 4.375
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 1... 阅读全帖 |
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c**********e 发帖数: 1184 | 47 SUMMARY: 今天(12月9日星期四)的利率比昨天的稍低。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.250 4.750 4.125
<=$729K 4.875 4.375
REFINANCE CASH-OUT RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417... 阅读全帖 |
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c**********e 发帖数: 1184 | 48 SUMMARY: 今天(12月10日星期五)的重贷利率和昨天的基本持平。Conforming的购房
贷款中30年固定、20年固定、5\1 ARM、7/1 ARM较昨天的降了。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.750 4.250 4.750 4.125
<=$729K 4.875 4.375
REFINANCE CASH-OUT RATE:
30-Yr... 阅读全帖 |
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d*********2 发帖数: 48111 | 49 NJ地税太高了, 同样的房子, 550k那个, 每年地税就要多6k至少.
其实100k那个算法, 还不如不买, 干脆只租房好了.
,比较了最近看过的几个房,包括租 apt, |
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c**********e 发帖数: 1184 | 50 SUMMARY: 今天(12月13日星期一)的利率较上星期五基本持平。加州的购房贷款30年
固定稍涨,只能做到4.75%了。
******************************** CALIFORNIA ********************************
REFINANCE RATE:
30-Yr 15-Yr 20-Yr 10-Yr 5/1 ARM 7/1 ARM
<=$417K 4.875 4.250 4.750 4.125
<=$729K 5.000 4.375
REFINANCE CASH-OUT RATE:
... 阅读全帖 |
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