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全部话题 - 话题: conformation
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b********2
发帖数: 5191
1
来自主题: Living版 - Conforming Loan Limit是啥意思?
conforming loan又分为conforming和super conforming, 每个地区有自己的limit.
一般来说super conforming 的rate比conforming的rate稍高一点
p********h
发帖数: 544
2
我提供的出生证明是前几年父母来时办的公证书,有三页。
第一页就是个封面,写着公证书。
第二页是公证书的主体,兹证明我名字,性别,出生日期,地点,父母名字。落款是中
华人民共和国公证处,公证员,日期,盖个红章。
第三页就是第二页的英文翻译,但是没有盖章。
问问该怎么提供这个conformity statement?
下面是RFE原信。
Item 1.
The Service acknowledges the notarial certificate of birth (number 188
issued May8, 2012) submitted in support of the application. However, this
does not appear to be a complete copy of the document as the conformity
statement that addresses the English translation is not present. Absent the
conformity statement, the doc... 阅读全帖
c**l
发帖数: 324
3
Reminder: August 16, 2011 is the last day to lock a Super Conforming loan
amount greater than the permanent loan limits for 45-days. After August 16,
2011, a lock period shorter than 45 days will be required.
Original Announcement: 7/26/2011
The temporary Super Conforming loan limits (up to $729,750) are scheduled to
expire September 30, 2011. Super Conforming loans exceeding the "permanent"
loan limits for 2011 (up to $625,500) will not be allowed to lock with a
lock period expiring after Septe... 阅读全帖
A**********i
发帖数: 780
4
那jumbo conforming呢?41.7w 以下conforming, 41.7-70w jumbo conforming, 70w
以上jumbo对吧。这个4.76 对应哪个?
f*****u
发帖数: 729
5
【 以下文字转载自 BayAreaHomeLoan 俱乐部 】
发信人: frankfu (Frank), 信区: BayAreaHomeLoan
标 题: Temporary Super Conforming Loan Limits Expiring
发信站: BBS 未名空间站 (Tue Jul 26 13:14:12 2011, 美东)
The temporary Super Conforming loan limits (up to $729,750) are scheduled to
expire September 30, 2011. Super Conforming loans exceeding the "permanent"
loan limits for 2011 (up to $625,500) will not be allowed to lock with a
lock period expiring after September 30, 2011.
k**g
发帖数: 1558
6
lender好变态,因为我以前没有任何installment的loan,就把我jumbo拒了。现在要按
时close只能贷conforming, 我的mortgage broker说贷conforming没有问题。但是我需
要钱装修,还得close之后立马找home equity loan。大家说贷home equity loan 容易
吗?
我的credit score>800,如果贷conforming的话,downpayment达到appraisal value的
40%. 我最大的问题是工作换了才9个月,中间没有gap. 但是monthly payment to
income达到37%。
b********2
发帖数: 5191
7
【 以下文字转载自 SanDiego 讨论区 】
发信人: blueangel2 (A=X+Y+Z), 信区: SanDiego
标 题: 30年conforming 3.375%, super conforming 3.5%
发信站: BBS 未名空间站 (Wed Aug 22 11:07:14 2012, 美东)
no point, no fee, no closing cost. covers appraisal & credit report fee.
http://www.mitbbs.com/club_bbsdoc/californiamortgage.html
t****u
发帖数: 8614
8
来自主题: SanFrancisco版 - 房贷新动向 - conforming 625K了
布核心刚签,这个是permenant的。但是Double F情况不好转,还是白搭。
如果人民政府用印钞机bail out double F, 那么差不多这轮房市,可以call bottom了。
Stay tuned,看人民政府怎么救FRE/FMN。

The bill permanently increases the conforming loan limit to $625,500. C.A.R
. has long advocated for higher conforming loan limits. In February, the
Economic Stimulus Act of 2008 was signed, temporarily raising the conforming
loan limit in high-cost areas to $729,750 from $417,000 until December 31,
2008.
f*****u
发帖数: 729
9
【 以下文字转载自 BayAreaHomeLoan 俱乐部 】
发信人: frankfu (Frank), 信区: BayAreaHomeLoan
标 题: Temporary Super Conforming Loan Limits Expiring
发信站: BBS 未名空间站 (Tue Jul 26 13:14:12 2011, 美东)
The temporary Super Conforming loan limits (up to $729,750) are scheduled to
expire September 30, 2011. Super Conforming loans exceeding the "permanent"
loan limits for 2011 (up to $625,500) will not be allowed to lock with a
lock period expiring after September 30, 2011.
e*******n
发帖数: 117
10
前几天注册了shopper,买了2张油卡,买完后立刻将shopper发来的油卡receipt
forward 给shopper了,第二天没有收到conformation letter。昨天又forward了一遍
,今天依旧没有conformation letter。。。
不知道这样的情况是不是正常?谢谢!!!
s****e
发帖数: 37
11
Jumbo conforming Mortgage >417K
5/1 ARM rate 4.375% no point
30-year fixed 5.25% no point
If we plan to refinance within a year to conforming loan, which one is more
sound? I can save $200/month if I go for the 5/1 ARM right now.
Thanks for your suggestion!
O**o
发帖数: 2071
12
到底是jumbo还是conforming?
还是说现在有jumbo conforming这么种loan?

point
A**********i
发帖数: 780
13
都要20%down pay吧。但conforming 不conforming是按loan amount算的。
b*d
发帖数: 9308
14
这样不好,第一,现在Conforming和Jumbo Conforming的利率相差得很少;第二,现在
银行都不太愿意做Second Loan,因为风险太大。

rate
b****r
发帖数: 1272
15
谢谢! 貌似有的银行Conforming和Jumbo Conforming的利率相差很少,但有的可以差
很多,不
知什么原因
感觉HELOC挺麻烦的
b*d
发帖数: 9308
16
我们做的银行Conforming和Jumbo Conforming的利率差得都很少,有时候只有0.125%,
多的时候也只是0.25%。现在的HELOC非常难申请的。
d******n
发帖数: 2712
17
现在正是做super conforming的好时机呀,尤其是15年fixed,rate跟conforming很
接近。
很多银行批2nd loan都十分严格,2nd loan的guidelines要比1st loan严格很多,时下很难拿到了。
k****y
发帖数: 781
18
来自主题: Living版 - Conforming Loan Limit是啥意思?
Conforming Loan Limit
Fannie Mae and Freddie Mac are restricted by law to purchasing single-family
mortgages with origination balances below a specific amount, known as the
“conforming loan limit.” Loans above this limit are known as jumbo loans.
http://www.fhfa.gov/Default.aspx?Page=185
Fairfax, VA 最多只能贷款 625,000?
p******y
发帖数: 3523
19
是被哪个银行拒的? Wells Fargo?
对于conforming loan来说,LZ的疑虑都不会成为问题。对于Heloc,如果combined LTV
不是很高的话应该还是可以的。就是说conforming loan + heloc不超过房子Value的
80%的情况下,应该都还好。
U**********b
发帖数: 13
20
【 以下文字转载自 Chemistry 讨论区 】
发信人: UofLlaserlab (UofLlaserlab), 信区: Chemistry
标 题: postdoctoral researcher in solution NMR for protein conformational dynamics
发信站: BBS 未名空间站 (Sat Jan 21 19:01:07 2017, 美东)
The Li lab in the Department of Chemistry at University of Louisville is
seeking a highly motivated postdoctoral researcher to join our lab
immediately.
Our research interests focus on applying solution NMR techniques to
understand the functional roles of protein conformational dynamics in the
deu... 阅读全帖
r******d
发帖数: 1879
21
15 yr fix no cost no impound conforming 3.75, 45 days lock
for SFR, primary primary residence, FICO 740+, Loan >= 400K
15 yr fix no cost no impound super conforming 3.875, 45 days lock
for SFR, primary residence, FICO 740+, Loan >= 600K
c**l
发帖数: 324
22
来自主题: SanFrancisco版 - Conforming 又回落到
9/29/11 11:30AM update
Non impound, no cost loan
Conforming Super Conforming
30Yr. Fixed 3.875% 30Yr. Fixed 4.%
k***a
发帖数: 2400
23
经常有人问为什么有时看到Jumbo Loan的rate会比Conforming/Super Conforming的低
, 这篇文章解释得很详细和清楚:
http://thebasispoint.com/2013/06/13/jumbo-rates-lower-than-conf
r******d
发帖数: 1879
24
来自主题: SanFrancisco版 - 同时满足Jumbo和conforming贷款选哪个?
You should choose lower interest rate if you are qualified both program.
Usually jumbo loan's guide line is more strict than the conforming
guidelines. Closing cost will have be different too, but not much.

conforming
I******s
发帖数: 223
25
Single Family 现在Super Conforming 的上限是$625,500, 所以您的情况肯定是
Jumbo 了, 不过最近Jumbo利率并不比Super Conforming高。
y*****u
发帖数: 224
26
26号的, 我东西都受到了,第三个(merchant conformation)勾还没有。现在也不敢用受到的东
西
我click那个LINK两次,第一次加了东西,没有付钱,关了窗口
第二次正常付钱, 不知是不是抄作失误?
给OO 发了信也没个回音,急啊!如果到时他们赖帐,我是不是没任何招?

发帖数: 1
27
最近在EBAy卖个二手,有个买家给我发两封邮件要求signature conformation
shipping,有没有诈啊?虽然是个有40个好评的卖家。
附一个DP,我设置了obo选项,结果有人出价比原价还高,然后是个刚注册的新号,一
看就肯定有问题…
s******g
发帖数: 605
28
I forwarded the email receipt after order and already got the shipping email
, but I still did not get the email for conformation of the monthly saving.
Sould I forward them again? thanks.
w******0
发帖数: 3
29
有没有人有同种经历?
签完Conformance Agreement之后,多久能上班?
可不可以跟公司说晚几个星期上班?
b*******1
发帖数: 127
30
How is 4.625% for 15 year-fixed jumbo conforming loan? No cost refinance in
California. Is it a good deal?
t****o
发帖数: 442
31
来报告一下,今天刚lock了,30 yr fixed rate jumbo conforming 4.875% no point
,lock 30天,在NJ。用的是版上同学推荐的一个loan officer。非常professional,
速度快,利率好。
t****o
发帖数: 442
32
拜托。没听说过jumbo conforming?
w***y
发帖数: 6251
33
high balance conforming吧
p**q
发帖数: 535
34
locked last thursday
also jumbo conforming
5.125% with$770 credit
30 yr fixed
$520 bank fee
$400 appraisal fee
A*****p
发帖数: 57
35
什么是 JUMBO CONFORMING 啊?
你们拿到的利率都比我问道的低。 还没有费,这个太神奇了, 有没有什么窍门。
T*U
发帖数: 22634
36
全国4.76% 30年conforming,not jumbo
T*U
发帖数: 22634
37
conforming是downpay 20-25%啊
b*d
发帖数: 9308
38
应该是Jumbo Conforming.
T*U
发帖数: 22634
39
我把conforming理解成dp的要求了,其实是贷款的数额,特别是对第二套第三套房的数
额。
f********r
发帖数: 3155
40
同样30 year fixed,no point, no cost
conventional: 4.35
jumbo conforming: 4.75
原来以为只差0.125呢
b*d
发帖数: 9308
41
Loan Amount在41万7一下的一般被称为Conforming Loan.
r******d
发帖数: 1879
42
【 以下文字转载自 BayAreaMortgageRate 俱乐部 】
发信人: rainhard (rainhard), 信区: BayAreaMortgageRate
标 题: First time! 3.0% for Conforming 5Yr ARM with Impound (9:48Am 8/16/2010)
发信站: BBS 未名空间站 (Mon Aug 16 12:50:05 2010, 美东)
Applys to Loan 400K, SFR primary living, Credit score 740+, LTV<=80
r******d
发帖数: 1879
43
【 以下文字转载自 BayAreaMortgageRate 俱乐部 】
发信人: rainhard (rainhard), 信区: BayAreaMortgageRate
标 题: 30Yr super conforming no cost no imound---4.375
发信站: BBS 未名空间站 (Wed Aug 25 13:16:05 2010, 美东)
SFR Primary FICO 740+ LOAN 600K
s*****g
发帖数: 237
44
【 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 [email protected] 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 [email protected]
gmail.com to discuss.
Window may be short......
b****r
发帖数: 1272
45
一个417K 一个50K的样子,据说第二个LOAN RATE是BASED ON PRIMARY RATE 大概5点多
谁给扫盲一下这样做优缺点是什么? 我的理解是大额的那个能拿到conforming rate
,代价是小额
的那个rate很高
谢谢!
d******n
发帖数: 2712
46
概念上super conforming和jumbo是不同的,要看不同county的上限。比较常见的是
729K以上算是jumbo,rate比较高。
c****u
发帖数: 135
47
来自主题: Living版 - conforming 还是FHA?
网上看的一头雾水。哪位大侠指点一下。
如果是first time buyer,哪个loan合适?conforming 还是FHA?打算20% downpay,
credit score excellent, residence purpose。 谢了。
h*********d
发帖数: 1054
48
来自主题: Living版 - conforming 还是FHA?
当然是conforming。
fha是给没有首付的人准备的,要另外付钱买loan insurance.每月要多付钱
b*d
发帖数: 9308
49
来自主题: Living版 - conforming 还是FHA?
如果你有20%的Downpayment,肯定是用Conforming的Loan了。
k******o
发帖数: 3328
50
来自主题: Living版 - Non-Conforming Loan利率
假如你贷45万>$417K,归为 Jumbo (conforming) loan. 利率稍高。至于高多少,每个
lender 都不太一样。最低的在某些时候只高0.125%。
可以参考连接喔。
http://en.wikipedia.org/wiki/Conforming_loan
http://en.wikipedia.org/wiki/Jumbo_loan
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