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全部话题 - 话题: conformation
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b********2
发帖数: 5191
1
click on my id
b********2
发帖数: 5191
2
you can always review my service in my club
b********2
发帖数: 5191
b********2
发帖数: 5191
4
rate is still good today
s******t
发帖数: 12883
5
来自主题: SanDiego版 - 买房代理
jumbo loan rate一般比conforming loan高多少?
比如30年conforming load 是3.5%的话, jumbo loan 利率是多少?
A*****8
发帖数: 1948
6
来自主题: SanDiego版 - 买房代理
你说是super conforming还是jumbo还是conforming
s******t
发帖数: 12883
7
来自主题: SanDiego版 - 买房代理
我问的是jumbo. 因为一般loan agent网站上有conforming 和super conforming
报价 , 但是没有jumbo报价。
s******t
发帖数: 12883
8
来自主题: SanDiego版 - 买房代理
如果贷款用jumbo的话, 风险就大了 。 虽然说等付够到refinance成super
conforming
的时候能把rate降低, 等到417k的时候再refinance成conforming的。
但是要是在等待的过程中利息上涨了, 那就没法子换成比4.25%更低的利率了。
要是还按照30年付清的话, 借jumbo loan的人要多花十几万才能付清。
所以现在买房的人, 如果downpayment不够把贷款控制在625k以下的,
会多花不少钱在利息上。 看起来大部分买新房的, 会舍弃watermark而选择
pacific highland.
p*t
发帖数: 275
9
来自主题: SanFrancisco版 - 警惕BSO新花样
Last updated: 02/07/08
“今天你BSO了没有?”
SF版survival要则之一:识别BSO,创造BSO。。
俺实战总结了一些BSO的句式,欢迎补充。。有些明显,有些隐晦,反正表被它们蒙蔽
了。。
1. 昨天去napa,品酒的时候居然要我出示id。
2. 请问SF版的贫困线包括bonus么?
3. 出关时在小黑屋里耽搁了两个小时!
4. 我发现周围的海鸥没有没有2奶的了。
5. [QQMJ] Fremont那个给父母申请医疗保险的不错。
6. 唉,这个月的paycheck都要付property tax了。。or
我的一张paycheck 连mortgage 都不够.
7. [BOXSTER] 早上这一跌害我损失一万多。(BOXSTER refuses to admit this is his
.)
8. [Neuleben] i have to say vs show is just wife level 21.
9. 唉,要买prius了,实在是太丑了。
10. [jeeves] 我不明白LV有什么不好的。
11. 早早孕试纸买多少包装的比较好?
12. ... 阅读全帖
t****u
发帖数: 8614
10

DTI不变,
LTV conforming < 70%, jumbo conforming under 65%.
Rental income必须要有两年的Schedule E才能算。
y*****s
发帖数: 1841
11
来自主题: SanFrancisco版 - 容我得瑟一下,高兴啊
I know <41.7 is conforming, more than 41.7 is jumbo. but what is jumbo
conforming?// blush.
r******d
发帖数: 1879
12
来自主题: SanFrancisco版 - the rate said, "I am so sexy, take me!"
Conforming <=417K
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
10Yr ARM, 4.375%
7Yr ARM, 3.625%
5Yr ARM, 3.375
Super conforming <=729K
30Yr Fixed, 4.875%
15Yr Fixed, 4.375%
5Yr ARM, 4.0%
r******d
发帖数: 1879
13
Conforming (LTV80, <=417K)
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
10Yr ARM, 4.375%
7Yr ARM, 3.625%
5Yr ARM, 3.375%
Super conforming, (<=729K)
30Yr Fixed (LTV80), 4.875%
15Yr Fixed (LTV80), 4.25%
5Yr ARM (LTV75), 3.5%
r******d
发帖数: 1879
14
来自主题: SanFrancisco版 - 股事不毕再提,房市多少风雨
只有 refinance 还藏在心里
today's rate,
Conforming (LTV80, <=417K)
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
10Yr ARM, 4.5%
7Yr ARM, 3.75%
5Yr ARM, 3.375%
Super conforming (<=729K)
30Yr Fixed(LTV80), 4.875%
15Yr Fixed(LTV80), 4.375%
10YrArm(LTV75),4.75%
7Yr ARM(LTV75), 4.5%
r******d
发帖数: 1879
15
来自主题: SanFrancisco版 - 房贷利率越来越坏了
Conforming (<=417K, LTV80)
30Yr Fixed, 4.875%
15Yr Fixed, 4.625%
10Yr ARM, 4.75%
7Yr ARM, 4.0%
5Yr ARM, 3.625%
Super conforming (<=729K)
30Yr Fixed(LTV80), 4.875%
15Yr Fixed(LTV80), 4.375%
10Yr ARM(LTV75), 5.0%
7Yr ARM(LTV75), 4.625%
5Yr ARM(LTV75), 4.0%
g*s
发帖数: 2277
16
来自主题: SanFrancisco版 - 房贷利率越来越坏了
15Yr Fixed Conforming bi Super conforming gao?
r******d
发帖数: 1879
17
来自主题: SanFrancisco版 - Today's rate is much better
No Point No Fee
Conforming (LTV80,<=417K)
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
10Yr ARM, 4.75%
7Yr ARM, 3.75%
5Yr ARM, 3.375%
Super Conforming (<=729K)
30Yr Fixed(LTV80), 4.875%
15Yr Fixed(LTV80), 4.375%
10Yr ARM(LTV75), 4.875%
7Yr ARM(LTV75), 4.625%
5Yr ARM(LTV75), 3.625%
r******d
发帖数: 1879
18
今天利率还是不错的
Conforming (<=417K, LTV80)
30Yr Fixed, 4.75%
15Yr Fixed, 4.25%
7Yr ARM, 3.75%
5Yr ARM, 3.375%
Super Conforming (<=729K)
30Yr Fixed (LTV80), 4.875%
15Yr Fixed (LTV80), 4.375%
7Yr ARM (LTV75), 4.625%
5Yr ARM (LTV75), 3.75%
r******d
发帖数: 1879
19
Conforming(<=417K, LTV80, Purchase)
5yr ARM, 3.375
7Yr ARM, 3.75
10Yr ARM, 4.625
15Yr ARM, 4.25
30Yr ARM, 4.75
Super Conforming(<=729K, Purchase)
5Yr ARM(LTV75), 3.625
7Yr ARM(LTV75), 4.275
10Yr ARM(LTV75), 4.75
15Yr Fixed(LTV80), 4.375
30Yr Fixed(LTV80), 4.875
r******d
发帖数: 1879
20
来自主题: SanFrancisco版 - 利率这么降,啥时候是个头啊
5Yr Arm Super conforming 3.5%
30yr Super conforming 4.75%
请到我的博客查看每天利率更多详情。
t*******r
发帖数: 22634
21
来自主题: SanFrancisco版 - 马上就要close了,感谢 rainhard !
super conforming 5/1 的话,3.25 的确很好。不知道那些 5/1 的其他
条款是不是都差不多 …………
不过俺还是保守搞 30yr fixed,个人具体情况而已 …………
super conforming 是不是要 75% LTV?
M********8
发帖数: 3837
22
来自主题: SanFrancisco版 - 房市问题已经猛烈冲击高端房了
房地产很local的,百万在弯曲好一点的地方是入门级的吧。最主要看贷款属于什么类
别,是
conforming, jumbo conforming, or jumbo,弯曲比较多人能给大的首期。
k*********t
发帖数: 2999
23
conforming or jumbo conforming?
l******0
发帖数: 14
24
来自主题: SanFrancisco版 - 每日一loan - 07/29
每天各类房屋贷款最低利率汇总,供弯曲人士参考:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.375, APR 3.375
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K):
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.625, APR 3.625
4) 7 year ARM, 3.875, APR 3.875
5
l******0
发帖数: 14
25
来自主题: SanFrancisco版 - 每日一loan - 07/30
每天各类房屋贷款最低利率汇总,供弯曲人士参考:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.375, APR 3.375
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K):
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.625, APR 3.625
4) 7 year ARM, 3.875, APR 3.875
5
l******0
发帖数: 14
26
来自主题: SanFrancisco版 - 每日一loan - 08/09
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.625, APR 3.625
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.5, APR 3.5
4) 7 year ARM, 3.75, APR 3.75
5) 10 year ARM, 4.25, APR 4
l******0
发帖数: 14
27
来自主题: SanFrancisco版 - 每日一loan - 08/10
具体loan rate 请email至:b*************[email protected] 联系。
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.625, APR 3.625
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.625, APR 3.625
4)
l******0
发帖数: 14
28
来自主题: SanFrancisco版 - 每日一loan - 08/11
具体loan rate 请email至:b*************[email protected] 联系。
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.625, APR 3.625
7) 10 year ARM, 4.0, APR 4.0
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.625, APR 3.625
4)
l******0
发帖数: 14
29
来自主题: SanFrancisco版 - 每日一loan - 08/12
具体loan rate 请email至:b*************[email protected] 联系。
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year ARM, 3.5, APR 3.5
4) 7 y
l******0
发帖数: 14
30
来自主题: SanFrancisco版 - 每日一loan - 08/13
具体loan rate 请email至:b*************[email protected] 联系。
based on no point no fee:
The best conforming rate up to 417K :
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5 year
r******d
发帖数: 1879
31
来自主题: SanFrancisco版 - 今天5/1贷款利率是多少?
Conforming 5Yr no cost no impound 3.125
Super conforming no cost no impound 3.375
l******0
发帖数: 14
32
来自主题: SanFrancisco版 - 每日一loan - 08/16
具体loan rate 请email至:b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K):
1) 30 year fixed 4.625, APR 4.625
2) 15 year fixed 4.125, APR 4.125
3) 5
l******0
发帖数: 14
33
来自主题: SanFrancisco版 - 每日一loan - 08/17
具体loan rate 请email至:b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 yea
l******0
发帖数: 14
34
来自主题: SanFrancisco版 - 每日一loan - 08/18
具体loan rate 请email至:b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 year
l******0
发帖数: 14
35
来自主题: SanFrancisco版 - 每日一loan - 08/19
具体loan rate 请email至:b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 year
l******0
发帖数: 14
36
来自主题: SanFrancisco版 - 每日一loan - 08/21
具体loan rate 请email至:b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K) :
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 year
l******0
发帖数: 14
37
来自主题: SanFrancisco版 - 每日一loan - 08/23
具体loan rate 请email至:b*************[email protected] 联系。
rate based on no point no fee:
The best conforming rate up to 417K:
1) 30 year fixed 4.375, APR 4.375
2) 20 year fixed, 4.25, APR 4.25 - for 417K loan
3) 15 year fixed 3.875, APR 3.875
4) 10 year fixed 3.75, APR 3.75 - Lowerest fixed rate
5) 5 year ARM, 3.25, APR 3.25
6) 7 year ARM, 3.5, APR 3.5
7) 10 year ARM, 3.875, APR 3.875
The best high-balance conforming (417K-729K):
1) 30 year fixed 4.5, APR 4.5
2) 15 year fixed 4.125, APR 4.125
3) 5 year
F*********t
发帖数: 22
38
来自主题: SanFrancisco版 - Best Rate for Today!
The conforming 417K:
1) 30 year fixed, 4.25
2) 20 year fixed, 4.125
3) 15 year fixed 3.75
4) 10 year fixed 3.5
5) 5 year ARM, 3.125
6) 7 year ARM, 3.375
7) 10 year ARM, 3.75
High-balance (super conforming) 729K:
1) 30 year fixed, 4.375
2) 15 year fixed, 3.875
3) 5 year ARM, 3.375
4) 7 year ARM, 3.50
5) 10 year ARM, 4.00
F*********t
发帖数: 22
39
来自主题: SanFrancisco版 - 房贷利率降了吗?
Yes. BTW, What's your mortgage rate and term?
Best Rates 11/5/2010
No point no closing cost, no prepay penalty unless specified otherwise.
The conforming 417K:
1) 30 year fixed 4.125
2) 20 year fixed, 3.75
3) 15 year fixed 3.5
4) 10 year fixed 3.25
5) 5 year ARM, 3.125
6) 7 year ARM, 3.375
High-balance (super conforming) 729K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 5 year ARM, 3.125
Some limits might apply. Thank you.
If you are interested in, please contact me at:
Jessica Liu
MaxReal S... 阅读全帖
F*********t
发帖数: 22
40
来自主题: SanFrancisco版 - Best Rate 11/05/10
Best Rates 11/5/2010
No point no closing cost, no prepay penalty unless specified otherwise.
The conforming 417K:
1) 30 year fixed 4.125
2) 20 year fixed, 3.75
3) 15 year fixed 3.5
4) 10 year fixed 3.25
5) 5 year ARM, 3.125
6) 7 year ARM, 3.375
High-balance (super conforming) 729K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 5 year ARM, 3.125
If you are interested in, please contact me at:
Jessica Liu
MaxReal Sunnyvale, www.maxrealusa.com
1288 Kifer Road, Suite 208, Sunnyvale, CA 94086
(Cell... 阅读全帖
F*********t
发帖数: 22
41
来自主题: SanFrancisco版 - Best Rates 11/05/10
Best Rates 11/5/2010
No point no closing cost, no prepay penalty unless specified otherwise.
Some limits may apply. thanks.
The conforming 417K:
1) 30 year fixed 4.125
2) 20 year fixed, 3.75
3) 15 year fixed 3.5
4) 10 year fixed 3.25
5) 5 year ARM, 3.125
6) 7 year ARM, 3.375
High-balance (super conforming) 729K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 5 year ARM, 3.125
If you are interested in, please contact me at:
Jessica Liu
MaxReal Sunnyvale, www.maxrealusa.com
1288 Kifer Road, Suite... 阅读全帖
F*********t
发帖数: 22
42
来自主题: SanFrancisco版 - Today's Rates 11/11/10
The conforming <=417K:
1) 30 year fixed 4.25
2) 15 year fixed 3.75
3) 10 year fixed 3.25
4) 5 year ARM, 3.25
6) 7 year ARM, 3.375
High-balance (super conforming)<=729K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 5 year ARM, 3.75
No point, no fee, all APRs are same.
Some limits may apply.
If you are interested in, please contact me at:
Jessica
j***********[email protected]
650-265-8137
F*********t
发帖数: 22
43
来自主题: SanFrancisco版 - Today's rate.
The conforming <=417K:
1) 30 year fixed 4.375
2) 15 year fixed 3.75
3) 10 year fixed 3.75
4) 5 year ARM, 3.25
6) 7 year ARM, 3.375
High-balance (super conforming)<=729K:
1) 30 year fixed 4.5
2) 15 year fixed 4.0
3) 5 year ARM, 3.75
No point, no fee, all APRs are same.
Some limits may apply.
If you are interested in, please contact me at:
Jessica
j***********[email protected]
650-265-8137
t****u
发帖数: 8614
44
来自主题: SanFrancisco版 - 现在买房首付多少?
Conventional,
SFH 20%.
If you are willing to pay PMI, conforming 10%, jumbo conforming 15%.
Once your LTV is below 80%, you can request to cancel PMI.
Condo 25%.
If you qualify FHA,
3.5%, but you need to upfront 1.75pt and every year 0.55pt, and you can't
cancel it.
r******d
发帖数: 1879
45
来自主题: SanFrancisco版 - 什么是jumpo loan
729K >= jumbo conforming (super conforming) > 417K
Jumbo > 729K
t****u
发帖数: 8614
46
来自主题: SanFrancisco版 - 如果两房完全私有化

利率肯定会涨,因为现在的conforming和jumbo conforming,F2是市场上的唯一买家,
这是当政治任务完成的。银行的人自己都说,这么低的利率,如果银行自己做100%赔钱
的,正因为F2买下来,银行没风险才会做。
F2私有化,就不可能明知赔钱也去买这么低利率的loan,所以利率肯定要涨。
但利率涨和房价跌没有必然联系。历史数据也没有显示其有联系。比方说从1968年到
1990年加州只有一年的房价是跌的,但是大部分年间利率是涨的。
此外,最近10年实战情况来说,03-07年加州地产狂涨,同期利率也是涨的,07年到10
年,则是反过来,大部分时间,房价和利率一起跌。
利率涨会降低人民群众的affordibility,但影响affordibility因素并不只有这一个。
房价本身的因素更重要。
实际上,房价跌后,利率会跟着跌,这时候会有一段一起跌的时间,反过来,房价开始
涨的时候,利率也会跟着涨,这时候会有一段时间一起涨。这个似乎更符合实战的情形。
l******0
发帖数: 14
47
来自主题: SanFrancisco版 - 每日一loan 04/19/11
具体loan rate 请email至:b*************[email protected] 联系。
The conforming 417K:
1) 30 year fixed 4.75
2) 20 year fixed, 4.625
3) 15 year fixed 4.125
4) 10 year fixed 3.55
5) 5 year ARM, 2.875
High-balance (super conforming) 729K:
1) 30 year fixed 4.875
2) 15 year fixed 4.25
3) 5 year ARM, 3.375
4) 7 Year ARM, 4.125
JUMBO (417K+ up to 2m):
1) 3 year ARM 3.75 (no prepay penalty)
2) 5 year ARM 3.875 (no prepay penalty)
3) 7 year ARM 4.25 (no prepay penalty)
4) 10 year ARM 4.625 (no prepay penalty)
5) ... 阅读全帖
j********i
发帖数: 913
48
如果是purchase Loan, 你要注意closing cost 的差别, 如果是Santa Clara County
的旧房子, 因为Title 部分的cost 大部分是Seller 出, buyer的部分跟refinance
差不多,$3,000 左右, 你可以No points, No costs 拿到最低利息。
别的County 无论新旧, Closing cost 要 $5,000-$8,500, depending on Title
company, loan amount and purchase price, 所以, 为了拿到最低利息, 你要
付closing cost -$3,000 的差价, 或者, 提高点利息, 也可以做到 cover 所有
的Closing costs.
其实, 如果是Conforming Loan, <$417K, Primary residence, 5/1 and 7/1 ARM
都是很好的选择。如果是Super Conforming, $417K-$729K, 你如果有25%
downpayment,
我目前只推荐 5/1 ARM... 阅读全帖
s*******d
发帖数: 380
49
conforming贷款上限417k,往上面就是super conforming。不过现在利率低,两者差别
不是很大。
F*********t
发帖数: 22
50
来自主题: SanFrancisco版 - Today's best rate!!
The conforming FRM( < 417K ):
1) 30 year fixed, 4.375
2) 20 year fixed, 4.25
3) 15 year fixed 3.75
4) 10 year fixed 3.25
The conforming ARM( < 417K )
5) 3 year ARM, 2.75
6) 5 year ARM, 2.875
6) 7 year ARM, 3.375
Note: The rates are subject to mid-day changes. This is
true when stock and bond markets move radically during the day.
Also the rates are based on No Point No Fee. So APR = Note Rate.
Please send me an email to j***********[email protected] or directly reply if you
are interested in the prog... 阅读全帖
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