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全部话题 - 话题: mortgage
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j****y
发帖数: 1714
1
来自主题: Living版 - What Moves Mortgage Rates? [zt]
http://library.hsh.com/read_article-hsh.asp?row_id=85
The questions are simple enough: What's going on with mortgage rates?
What makes them rise, or fall? Is it the Fed? The economy? Inflation?
The banks? The President? Fannie Mae or Freddie Mac? Is it a secret
conspiracy?
The answer is that rates are moved by a number of related factors, and
believe it or not, you -- Joe or Jane Consumer -- are one of those
factors.
Mortgage money can come from many sources, including deposits at banks
and brok... 阅读全帖
l**h
发帖数: 7994
2
这篇不错,不敢贴链接,超过来了。
If you've been sitting on the sidelines, waiting for the best time to
refinance or get a mortgage to buy a home, think of 2013 as your last chance
to act.
With good credit, persistence and some shopping skills, you can still snag
phenomenal deals this year -- even if you are underwater on your loan.
Here are 10 mortgage tips to help you with your mortgage decisions in 2013.
Tip 1: Stop procrastinating and refinance
If you haven't refinanced recently, you're probably paying a hig... 阅读全帖
g*******n
发帖数: 12458
3
来自主题: WashingtonDC版 - Bank of America Starts Mortgage Reduction Effort
Bank of America Starts Mortgage Reduction Effort
Bank of America has started sending letters to thousands of homeowners in
the United States, offering to forgive a portion of the principal balance on
their mortgages by an average of $150,000 each.
The reduction for qualifying homeowners could amount to monthly savings of
up to 35 percent on mortgage payments, Bank of America said in a news
release on Monday evening.
The principal reduction offers from Bank of America Home Loans are the
result of... 阅读全帖
a****g
发帖数: 8131
4
【 以下文字转载自 Stock 讨论区 】
发信人: vankie (似水流年), 信区: Stock
标 题: Government to Deploy Broader Mortgage Aid
发信站: BBS 未名空间站 (Sat Sep 4 03:55:12 2010, 美东)
Government to Deploy Broader Mortgage Aid
By NICK TIMIRAOS
The Obama administration on Tuesday will launch its most ambitious effort at
reducing mortgage balances for homeowners who owe more than their homes are
worth.
Officials say between 500,000 and 1.5 million so-called underwater loans
could be modified through the program, the first initiative to... 阅读全帖
s****e
发帖数: 720
5
去年买的房,把自己找到的一下东西和大家分享一下,希望对象我一样的新手有些帮助
。关于房贷的整体流程,置顶的FAQ说的已经很全面了,我这里主要是说说offer被
accept后如何shop for loan。
首先要清楚mortgage inquiry和 credit score的关系。下面这篇文章讲的很清楚,最
重要的有两点,第一点是mortgage inquiries在30天之内是不被计入credit score的;
所以你有整整30天的时间可以让loan agent查你的credit file,而且不用担心credit
score受影响。第二点是45天之内的mortgage inquiries在算credit score只算做一个
inquiry。这两点对于auto loan或者student loan也都是适用的。
https://www.creditsesame.com/blog/mortgage/mortgage-inquiries-07062011/
为方便,我把网页的全文列在了下面:
How Mortgage Inquiries Affect FICO Scores
Jo... 阅读全帖
T*R
发帖数: 36302
6
Reverse mortgages are loans that provide supplemental income to seniors 62
and older based on the value of their homes. A reverse mortgage does not
need to be repaid until the homeowner sells the property, moves or passes
away.
But the loans that were intended to help retired homeowners maintain their
lifestyle in their current homes are beginning to cast a dark shadow.
Several disturbing trends have emerged prompting some experts to advise
older homeowners to think twice before considering a re... 阅读全帖
c**m
发帖数: 1457
7
http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Mortgage Loan Closing - Process Overview
发信站: BBS 未名空间站 (Mon Oct 24 22:59:21 2011, 美东)
The Mortgage Loan Closing When Buying a Home
Once your application for a mortgage loan has been approved and you have
received a commitment letter from the lender, the final step before you can
call the house your own is the closing, or settlemen... 阅读全帖
c**m
发帖数: 1457
8
http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Mortgage Loan Closing - Process Overview
发信站: BBS 未名空间站 (Mon Oct 24 22:59:21 2011, 美东)
The Mortgage Loan Closing When Buying a Home
Once your application for a mortgage loan has been approved and you have
received a commitment letter from the lender, the final step before you can
call the house your own is the closing, or settlemen... 阅读全帖
s****e
发帖数: 720
9
Shop for mortgage其实现在比以前要简单多了,可能会有人告诉你那些closing
document有多么复杂,loan agent 在fee上和你耍花招是多么容易,因为HUD-1
settlement statement非常难懂。有点人为刀俎,我未鱼肉的感觉。但其实HUD-1已经
从2015年成为了历史。感谢国会干了点好事,因为过去的HUD-1造成了很多fraud。现在
的mortgage叫做loan estimate, A Loan Estimate is a three-page form that you
receive after applying for a mortgage. The Loan Estimate tells you
important details about the loan you have requested. The lender must
provide you a Loan Estimate within three business days of receiving your
application.
Loan esti... 阅读全帖
d*2
发帖数: 2053
10
来自主题: _GoldenrainClub版 - Obama widens mortgage refi program(ZZ)
http://money.cnn.com/2009/07/01/news/economy/Obama_refi_program
By Tami Luhby, CNNMoney.com senior writer
Last Updated: July 1, 2009: 3:06 PM ET
NEW YORK (CNNMoney.com) -- The Obama administration is widening its mortgage
refinancing program to allow more borrowers hit hard by falling home prices
to take part.
Borrowers whose loans are now worth up to 125% of their home's value are now
eligible to refinance their homes under the Obama foreclosure prevention
plan announced in February. Previously... 阅读全帖
B**W
发帖数: 2273
11
来自主题: USANews版 - Mortgage rates fall to record lows
NEW YORK (CNNMoney) -- Mortgage rates sunk to record lows again this week.
The average rate on the 30-year fixed mortgage fell to 3.94%, matching the
all-time low hit in early October, according to Freddie Mac's weekly
mortgage rate survey. Meanwhile, 15-year fixed-rate loans hit a new record
low of 3.21%, surpassing the record set on October 6.
Five-year adjustable rate mortgages also plumbed new depths, hitting 2.86%
for the week.
"We've been hanging around record lows for a few months now and... 阅读全帖
z***y
发帖数: 79
12
来自主题: Living版 - US offers mortgage aid to the jobless
http://www.boston.com/realestate/news/articles/2010/10/06/us_offers_mortgage_aid_to_the_jobless/
US offers mortgage aid to the jobless
Mass. homeowners could get $50,000; Some loans may not have to be repaid
By Jenifer B. McKim
Globe Staff / October 6, 2010
Unemployed homeowners may be able to borrow up to $50,000 to help them make
monthly mortgage payments — and in some cases not have to pay the money
back — under a federal program unveiled yesterday that allocates $61
million to Massachusetts.... 阅读全帖
c**m
发帖数: 1457
13
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Senators press for mass mortgage refi plan
发信站: BBS 未名空间站 (Wed Oct 12 20:08:11 2011, 美东)
Some positive news on refinance
Wednesday, October 12th, 2011, 12:03 pm
A group of 16 senators sent a letter to regulators Tuesday, pressing for a
plan to boost mortgage refinancing for more homeowners as soon as possible.
Such a plan is being widely discussed admittedly, and now the lawmakers are
ready t... 阅读全帖
c**m
发帖数: 1457
14
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Senators press for mass mortgage refi plan
发信站: BBS 未名空间站 (Wed Oct 12 20:08:11 2011, 美东)
Some positive news on refinance
Wednesday, October 12th, 2011, 12:03 pm
A group of 16 senators sent a letter to regulators Tuesday, pressing for a
plan to boost mortgage refinancing for more homeowners as soon as possible.
Such a plan is being widely discussed admittedly, and now the lawmakers are
ready t... 阅读全帖
w*******y
发帖数: 60932
15
I am opening a new Bank of America checking account and one of their chat
reps gave me a promotional code for $25 off my mortgage principal per month
for 12 months if I link the new account to my existing mortgage. He stated
that I must make my mortgage payment from the new checking account each
month to receive the bonus and that I would see it reflected on my mortgage
statement within 60 days. Enter promotional code CH300EM10 when signing up.
Details:
Offer Code: CH300EM10
Special offer for ... 阅读全帖
M********0
发帖数: 215
16
来自主题: Living版 - New Mortgage Plan Floated
New Mortgage Plan Floated
Underwater Borrowers Current on Payments Would Get Help.
State and federal officials are pushing a plan that could help some "
underwater" borrowers get refinancing assistance in the latest government
bid to break a legal impasse with big banks over alleged foreclosure abuses
and ease problems in the housing market.
WSJ's Nick Timiraos has details of a proposed plan that would give mortgage
-holders who are underwater access to refinancing assistance. Photo by Joe
Raedl... 阅读全帖
w********9
发帖数: 8613
17
http://online.wsj.com/article/SB1000142405270230490600457636984
“”“”“”“”“”“”
Almost 40% of homeowners who took out second mortgages—extracting cash from
their residences to cover everything from vacations to medical bills—are
underwater on their loans, more than twice the rate of owners who didn't
take out such loans.
WSJ's Robbie Whelan reports nearly 40% of homeowners who have a second
mortgage--that is, they owe more than their home is worth. Photo: Mark
Rulston/AFP/Getty Images
.
The finding... 阅读全帖
t******4
发帖数: 2300
18
估计美国的房子梦对不少的人会消失了。
How might home buying change if the federal government shuts down the
housing finance giants Fannie Mae and Freddie Mac?
The 30-year fixed-rate mortgage loan, the steady favorite of American
borrowers since the 1950s, could become a luxury product, housing experts on
both sides of the political aisle say.
Interest rates would rise for most borrowers, but urban and rural residents
could see sharper increases than the coveted customers in the suburbs.
Lenders could charge fees f... 阅读全帖
d*2
发帖数: 2053
19
http://www.bloomberg.com/apps/news?pid=20601087&sid=avAvJacs7Uc
By Dawn Kopecki and Jody Shenn
June 19 (Bloomberg) -- Fannie Mae and Freddie Mac may get permission to
begin refinancing mortgages with loan-to-value ratios above 105 percent as
the Obama administration seeks to boost participation in its anti-
foreclosure programs.
“We’re actively considering how to structure a program that makes sense
over 105 percent,” Federal Housing Finance Agency Director James Lockhart
said yesterday. He said... 阅读全帖
b***y
发帖数: 372
20
来自主题: Living版 - mortgage fee 明年可能要涨了。
news from Washington post. 我的理解是包括refinance。 所有 Fannie Mae,
Freddie Mac, FHA保的mortgage fee都会涨。这个bill下周就可能通过。然后明年1月
1日起实施。
http://www.washingtonpost.com/politics/congress/to-pay-for-payr
Updated: December 17, 2011 7:39PM
WASHINGTON — Who is paying for the two-month extension of the payroll tax
cut working its way through Congress? The cost is being dropped in the laps
of most people who buy homes or refinance beginning next year.
The typical person who buys a $200,000 home or refinances that amo... 阅读全帖
u**********n
发帖数: 8905
21
刚才可能被误删了
Adds details on president's expected plan throughout.)
WASHINGTON--President Barack Obama will call for a continued but limited
government role to backstop the U.S. mortgage market, as part of a strategy
to ultimately replace Fannie Mae (FNMA) and Freddie Mac (FMCC) with a bigger
private-sector presence, according to White House advisers.
In a speech Tuesday, Mr. Obama will begin making the case that a limited
government guarantee is needed to preserve access to the long-term, fixed-
ra... 阅读全帖
S********e
发帖数: 620
22
[the Washington Post]
Various real estate entities have weighed in with their prognostications for
the 2017 housing market. Most observers expect home sales and prices to
moderate in the coming year. They say suburbs will make a comeback while the
days of low mortgage rates are over.
Of course, a lot depends on the actions of the new administration. Although
President-elect Donald Trump said little about housing during the campaign,
some of the issues he highlighted will have an effect on the re... 阅读全帖
f*****u
发帖数: 729
23
【 以下文字转载自 BayAreaHomeLoan 俱乐部 】
发信人: frankfu (Frank-湾区房贷俱乐部), 信区: BayAreaHomeLoan
标 题: Bipartisan tax plan trims mortgage deduction
发信站: BBS 未名空间站 (Fri Jul 22 00:28:48 2011, 美东)
For example, current law allows homeowners to deduct the interest they pay on home mortgages of up to $1 million. One proposal would lower the limit to $500,000 and exclude mortgage interest on second homes.
全文
WASHINGTON (AP) — A new bipartisan plan to reduce government borrowing
would target some of the most cherished... 阅读全帖
r***l
发帖数: 163
24
大伙看看这位有没有道理。你会如何预测明天的利率呢?
by Matthew Graham
High Risk Event For Mortgage Rates Tomorrow
Dec 1 2011, 2:23PM
Much like yesterday (and the day before), Mortgage-Backed-Securities (MBS),
began the day in weaker territory and rallied in the latter part of the day.
Unlike yesterday, we started off in weak enough territory this morning
that the improvements in MBS were not enough to see a positive change in
Mortgage Rates. In fact, rates are a bit higher today, still centered on a
4.0% Best-Executio... 阅读全帖
c**********e
发帖数: 1184
25
来自主题: Living版 - mortgage insurance 的问题
Mortgage Insurance并不是终身要付的。当贷款的剩余balance除以当时房子的市价小
于等于80%的时候,Mortgage Insurance就可以取消。只要在想取消Mortgage
Insurance时做一个Appraisal提交给银行就行(无论是贷款付到一定程度,或者是房价
攀升都行)。但是,并不是说所有的Mortgage Insurance都能够在close之后马上取消
,有的lender规定一年之内无论如何都不能取消,有的lender是6个月,也有2年的。所
以要和lender确认清楚,另外,所有的lender-paid mortgage insurance(一般用
borrower paid)都是终身不能取消的,只能通过refinance来取消。
至于Mortgage Insurance的付法,其是和本金&利息每个月一起交的而且是一个定额。
您听的说法应该是一开始几个月交的是“interest”而不是“insurance”。一个贷款
的本金和利息的每个月交的是固定的,中文叫“等本息”,而本金和利息占总量的比例
是变化的,一开始几乎全部是利息,然后本金的比例慢慢... 阅读全帖
j**a
发帖数: 51
26
来自主题: TAX版 - AMT 6251Eligible mortgage.
AMT form 6251中对Eligible mortgage定义是:
Eligible mortgage. An eligible mortgage is a mortgage whose proceeds were
used to buy, build, or substantially improve your main home
or a second home that is a qualified dwelling. A mortgage whose proceeds
were used to refinance another mortgage is not an eligible mortgage.
如果去年做过refinance的话,只有原先的mortgage interest才可以免税?那么做
refinance就永远不能免税了?
m*******r
发帖数: 8950
27
【 以下文字转载自 WashingtonDC 讨论区 】
发信人: mdrealtor (md_realtor), 信区: WashingtonDC
标 题: 博客第七篇 -- PAYOFF MORTGAGE的一个小TRICK
发信站: BBS 未名空间站 (Wed Dec 14 17:54:24 2011, 美东)
我接触的客人,在贷款买了房以后,大部分都是准备提前付清的。有的是每个月多付一些,有的是先按月付,等攒够了钱,一次付清。
这个小TRICK是以前的一个客人跟我说的,主要适用于准备一次性把MORTGAGE全部付清的。这里有一个先提条件,就是准备PAYOFF的时间一定要在每个月的15号之前。
其实,PAYOFF最简单的方法,就是写一张超过所欠MORTGAGE的CHECK直接把银行打晕。多余的钱,银行会在45天内返还的。但是为了减少麻烦,大部分人会打电话给银行或ONLINE查询,要PAYOFF STATEMENT。STATEMENT上会给出准确的PAYOFF AMOUNT。TRICK就在这里,在要PAYOFF STATEMENT之前,你应该先付一次MORTGAGE把PRINCI... 阅读全帖
r***l
发帖数: 593
28
http://finance.yahoo.com/news/bank-america-starts-mortgage-redu
Bank of America has started sending letters to thousands of homeowners in
the United States, offering to forgive a portion of the principal balance on
their mortgages by an average of $150,000 each.
The reduction for qualifying homeowners could amount to monthly savings of
up to 35 percent on mortgage payments, Bank of America said in a news
release on Monday evening.
The principal reduction offers from Bank of America Home Loans ar... 阅读全帖
s*****i
发帖数: 261
29
被迫选择了FHA loan,就是要付private mortgage insurance
那种。每个月多付好多。原因是我付20%的现款打到银行的账户上不到两个月,而我最
近就必须closing. 我问我的loan officer,那在一年之内多付贷款,付了20%, 是不是
那个该死的mortgage insurance就可以摆脱掉呢?她回信写了下面的两段话。
谁给翻译一下(谢谢!),怎么觉得乱糟糟地理不出头绪来呢?
到底是不是必须付5年呢还是早付完20%早解脱呢?怎么我的loan文件上写着这种保险必
须付105个月呢?这不是远远超出60个月吗?
When you get a conventional loan, you need to have a 20% down payment in
order to avoid private mortgage insurance. When you get a FHA loan, even
though you may put down 20%, you still have to pay mortgage insurance for
the... 阅读全帖
B******y
发帖数: 9065
30
来自主题: Money版 - 用Bluebird付Mortgage有点小问题
Update:
更新一下,我后来发message给mortgage公司,告诉它们我在message里面已经写明“
Principal Only”,为什么还扣interest。它们非常心虚,赶快回信说它们会处理这件
事情。今天早上打开activities一看,果然interest退给我了。。。后来参照别人说的
,我也给二房bill pay了mortgage,丝毫不差的全部Principal reduction。而且两次
mortgage都是3天就到账,比check快而且安全多了。。。呵呵,看来bluebird付
mortgage还是不错的,我收回原来的观点。。。
****************************************************************************
******
首先,bluebird毕竟不是bank checking,无论如何没法做ACH,bill pay是唯一选择;
其次,bluebird的bill pay也不可能做到和寄支票那样个性化。
最近我尝试了用bluebird付mortgage,因为它不能ACH,我又不想ca... 阅读全帖
s*********8
发帖数: 901
31
来自主题: Stock版 - Mortgage Rate to go to 2%? Like Japan
In the 1980s, nobody could imagine a mortgage rate below 10%. In the 1990s,
nobody could imagine a mortgage rate below 7%. In the 2000s, nobody could
imagine a mortgage rate below 5%. Yet here we are, in 2011… and mortgage
rates have spent the last month in the 4.5% range.
As long as I can remember, the trend in interest rates has been down. This
chart shows the trend clearly…
Could mortgage rates go any lower? Of course.
How?
Japan's experience shows us how…
In the late 1980s in Japan, asset pr... 阅读全帖
c**m
发帖数: 1457
32
来自主题: Boston版 - 关于买房时的mortgage Contingency
关于买房时的mortgage Contingency
现在房市很热,为了抢房,很多人放弃mortgage contingency.但是很多人,根本不理
解mortgage contingency 是干什么用的。什么情况下可以放弃和放弃意味着什么。以
及如何利用mortgage contingency 保护和最大化你的利益。 今天我就在这里给大家做
一个总结。
首先,我先来解释一下什么是mortgage contingency: 如果买家拿不到贷款可以无损
失退出交易。
第二, 为什么放弃mortgage contingency 可以增强竞争力: 这是在买房的时候,对
买家的一种保护。也就是说,万一买家拿不到贷款,买家可以退出交易,并且可以拿回
自己在签合同时支付的百分之五的deposit.当然了,对买家的保护就是对卖家的风险,
这也就是为什么大家放弃它有利于抢房的原因。话说回来,这个保护也是有条件的,其
一,这个保护只在commitment date 之前管用,如果你拿不到贷款,你就可以把你的
deposit 取回。过了这个日子,就没用了你。你必须买,要不然你的预付金就没了。
不仅如... 阅读全帖
c**m
发帖数: 1457
33
来自主题: Boston版 - 关于买房时的mortgage Contingency
关于买房时的mortgage Contingency
现在房市很热,为了抢房,很多人放弃mortgage contingency.但是很多人,根本不理
解mortgage contingency 是干什么用的。什么情况下可以放弃和放弃意味着什么。以
及如何利用mortgage contingency 保护和最大化你的利益。 今天我就在这里给大家做
一个总结。
首先,我先来解释一下什么是mortgage contingency: 如果买家拿不到贷款可以无损
失退出交易。
第二, 为什么放弃mortgage contingency 可以增强竞争力: 这是在买房的时候,对
买家的一种保护。也就是说,万一买家拿不到贷款,买家可以退出交易,并且可以拿回
自己在签合同时支付的百分之五的deposit.当然了,对买家的保护就是对卖家的风险,
这也就是为什么大家放弃它有利于抢房的原因。话说回来,这个保护也是有条件的,其
一,这个保护只在commitment date 之前管用,如果你拿不到贷款,你就可以把你的
deposit 取回。过了这个日子,就没用了你。你必须买,要不然你的预付金就没了。
不仅如... 阅读全帖
m*******r
发帖数: 8950
34
我接触的客人,在贷款买了房以后,大部分都是准备提前付清的。有的是每个月多付一些,有的是先按月付,等攒够了钱,一次付清。
这个小TRICK是以前的一个客人跟我说的,主要适用于准备一次性把MORTGAGE全部付清的。这里有一个先提条件,就是准备PAYOFF的时间一定要在每个月的15号之前。
其实,PAYOFF最简单的方法,就是写一张超过所欠MORTGAGE的CHECK直接把银行打晕。多余的钱,银行会在45天内返还的。但是为了减少麻烦,大部分人会打电话给银行或ONLINE查询,要PAYOFF STATEMENT。STATEMENT上会给出准确的PAYOFF AMOUNT。TRICK就在这里,在要PAYOFF STATEMENT之前,你应该先付一次MORTGAGE把PRINCIPAL尽量付清,留个一两块的BALANCE就行了。
为什么要这么做?我举个例子,比较一下你就清楚了。假设你的PAYOFF DATE是10号,
如果你不先把PRINCIPAL尽量付清,PAYOFF AMOUNT的是这样计算的。上个月的MORTGAGE PAYMENT+PRINCIPAL+PRINCIPAL在1-10号产生的... 阅读全帖

发帖数: 1
35
Summit Mortgage Bankers, inc. (SMB), a leading residential mortgage lender
headquartered in NYC, offering home loans nationwide. Whether you are
currently licensed through CalBRE (California Bureau of Real Estate), CalDBO
(California Department of Business Oversight), or looking to get licensed;
We have the perfect opportunity for you. SMB has been providing our clients
lending solutions for over 23 years and we will assist you in developing the
skills necessary to enjoy a successful career as a... 阅读全帖
b*d
发帖数: 9308
36
这就是利率利率飞涨的结果。
NEW YORK (AP) -- Applications for mortgages tumbled last week, led by a
sharp decline in refinancing as rates ticked up.
The Mortgage Bankers Association said Wednesday overall applications for
loans dropped 16.5 percent from the previous week. Refinance applications
plunged 21.6 percent, while purchase applications edged up 1.1 percent from
the previous week.
The survey adjusted for the Thanksgiving holiday.
The average rate for a 30-year fixed loan rose to 4.56 from 4.50 percent
... 阅读全帖
N*****a
发帖数: 2630
37
说是只有qualify mortgage insurance才可以抵税,然后下面这些是qualified. 最后
那个private mortgage insurance是泛指的我们常说的PMI吗?是不是只要是PMI都可以
qualified呢?怎么知道到底是否qualify啊。还是只要box 4 of form 1098 上面有数
目就可以?
Qualified mortgage insurance is mortgage insurance provided by the
Department of Veterans Affairs, the Federal Housing Administration,
Rural Housing Service, and certain private mortgage insurance.
Generally it is reported in Box 4 of Form 1098. Do not include mortgage
insurance premiums paid for rental, business, farm, or f... 阅读全帖
d******0
发帖数: 3640
38
贷款lender是United wholesale mortgage,收到shore mortgage的账
单说我是他的新客户,打电话结shore mortgage,声称他们是sister公司,一
个管放贷,一个管收贷。但是我还是不放心将支票寄给shore mortgage,毕竟地
址什么的都大不一样。请问大家没有同这个United wholesale和Shore
Mortgage公司打过交道?
谢谢
I******s
发帖数: 223
39
来自主题: Living版 - mortgage insurance 的问题
Conventional 贷款的Mortgage Insurance在LTV<=80%时可以打电话给贷款银行要求取
消,而如果LTV<=78%时, 贷款银行会自动取消Mortgage Insurance。以当前的贷款利率
(15年固定利率大约3.25% ,30年固定利率大约4.25%)来算的话,起始LTV为90%的贷
款,假设房价保持不变, 如果是15年的贷款的话在第二年结束就可以要求取消
Mortgage Insurance,如果是30年的贷款的话也可以在第六年结束时要求取消Mortgage
Insurance。
而起始LTV 为90%或者以下的FHA贷款,在付款11年后才能取消Mortgage Insurance。起始
LTV为90%以上的FHA贷款, 终生都要付Mortgage Insurance。
c**********e
发帖数: 1184
40
来自主题: Living版 - mortgage insurance的问题
保持11年这个说法是不正确的。对于conventional loan来说,
(1)当贷款的balance掉到close时的市价(当时的appraised value)的78%时,
mortgage insurance会自动取消。
(2)当贷款还到一定程度,或者感觉房价上升了不少时,可以自己找appraiser做一个
appraisal(需要是lender approved的appraisal company),如果mortgage balance
除以这个新appraisal report上的价格小于或等于80%的时候,可以直接把appraisal
report提交给银行要求取消mortgage insurance。
(3)有的lender要求mortgage insurance不能在6个月内取消,有的是1年或者2年,一般
没有超过2年的。需要跟银行确认一下。
(4)一般mortgage insurance都是borrower-paid,但是如果申请贷款的时候用的是
lender-paid mortgage insurance(monthly payment较少),那么这种MI终身不能... 阅读全帖
d******8
发帖数: 1972
41
Obama $1 Trillion Mortgage Fix Rumor Pushing Bank Stocks
http://www.thestreet.com/story/11366791/1/obama-1-trillion-mort
NEW YORK (TheStreet) -- Bank stocks were reversing early losses and rising
Thursday afternoon, amid market chatter that President Obama might soon
announce a massive refinancing program that could help boost housing and the
economy in the election year.
A blog post by Jim Pethokoukis at the American Enterprise Institute appears
to be generating much excitement on Twitter, alth... 阅读全帖
n*****g
发帖数: 626
42
来自主题: SanFrancisco版 - Boxer Rocked by Mortgage Scandal
This is for those who think Boxer has done nothing wrong --
http://pajamasmedia.com/rogerlsimon/2010/10/26/foundation-requests-holder-investigate-boxer/?singlepage=true
In a breaking development that may affect the close California Senate race,
Pajamas Media has learned The Foundation for Ethics in Public Service sent a
letter to Eric Holder last Thursday requesting the attorney general “begin
an investigation to determine whether United States Senator Barbara Boxer
violated any criminal laws or... 阅读全帖
a*****p
发帖数: 1285
43
【 以下文字转载自 Living 讨论区 】
发信人: aaandpp (不知道), 信区: Living
标 题: mortgage疑问,大家出出注意?
发信站: BBS 未名空间站 (Sat Sep 7 21:07:05 2013, 美东)
前段时间在看房,看中的都被cash offer拿掉了。后来抢了个 shortsale。这个
approval的过程要3个月到2年, 现在也在看,就是房源很少。手头上的cash只够down
pay的。
原本有另外计划中的事要花费差不多10k,本来打算买了房以后用信用卡贷款分期还这
10k,前18个月可以免息。这样贷mortgage的时候可以不用影响信用纪录。
现在房子这边还不知道什么时候能入手。 如果现在就把那个10K用现金付掉了,肯定
downpay 不够了,如果那个10k现在就跟银行贷的话,肯定有个hardpull。
有2个问题,
1. 这个hard pull会影响很大么? mortgage打算贷15年fix的。
2. 如果贷了10k,然后手上保留down payment的cash,贷mortgage的时候,银行会查你
的asset,查你... 阅读全帖
p*****r
发帖数: 595
44
非常有意思的文章
Mortgage Rates: What Happened Yesterday?
Published on March 25, 2010 by Robert Hyder under Mortgage Rate Trends and
Analysis
Mortgage Rates: What Happened Yesterday?
The mortgage industry witnessed to sharp rises in bond yields yesterday,
forcing mortgage lenders to alter pricing on at least two occasions mid-day.
As the bonds rose, Treasury yields reached their highest point since the
beginning of the year. Additionally, the 10-year Treasury yield reached its
highest level since June 2
s******8
发帖数: 4192
45
All mortgage interests for your home (main home or a second home) are tax
deductible.
From Pub 936.
Generally, home mortgage interest is any interest you pay on a loan secured
by your home (main home or a second home). The loan may be a mortgage to buy
your home, a second mortgage, a line of credit, or a home equity loan.
You can deduct home mortgage interest if all the following conditions are
met.
* You file Form 1040 and itemize deductions on Schedule A (Form 1040).
* You are legally liable f
D********g
发帖数: 650
46
研究了一下几种基本mortgage的概念,有了如下的印象,不确定是不是准确,发上来请
教一下专家:
不管是Adjustable rate mortgage还是Fixed rate mortgage,每个月的付款都是固定
的,是mortgage开始时预设好了的。
请问上述说法是不是准确?可不可以人为地在每个月mortgage付款量的基础上增加还款
。比如我最近几年收入高,每月多还3k,过两年有了小孩,每月多还1k或者少还一点,
可不可以?
s**m
发帖数: 1564
47
用一个mortgage broker做refinance两次了,觉得她的利率不是最好,还要自己交
appraisal fee。现在正在做第三次。材料已经更新签字交了上去。
现在和另一个mortgage broker联系上了,利率看起来要好一点,虽然他也没有给个准
确的数字。这个mortgage broker还把appraisal fee给cover了。
我想给第二个mortgage broker也交一份loan application,这样两家的利率就都不是
大约估摸出来的,就可以比较了。
可以给两个mortgage broker同时交loan application吗?如果用了一个,没有被用的
那一个有什么损失吗?loan应该还没有被originated。我知道broker要花20块钱查信用
分的。还有别的费用吗?
明白的给指点一下吧。谢谢。
y******n
发帖数: 8667
48
http://money.cnn.com/2013/06/27/real_estate/mortgage-interest/i
Rising interest rates have hit mortgages big time.
Rates on 30-year, fixed-rate home loans spiked 0.53 percentage points to an
average of 4.46% this week -- the largest weekly increase in more than 26
years, mortgage giant Freddie Mac said Thursday.
The 30-year loan, which stood at 3.35% as recently as early May, is at its
highest level since July 2011.
Rates for 15-year loans, popular with homeowners refinancing their mortgages
, j... 阅读全帖
o*****p
发帖数: 5952
49
来自主题: Living版 - mortgage pre-approval的问题
如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮,是否容易找到有 licence 的 mortgage broker 本人,还是助理或
同事?是否真诚,是否靠谱,是否有经验.根据法律,只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段,因为利率每天变化,有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多,在不了解的前提下,多花点时间沟通考察
mortgage broker,确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款,特别是第一次,肯定有很多问题。一个好的 mortgage broker 应该把
整个贷款过程和你讲清楚,使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富,业务能
力强,又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需好4-5周,看broker 是否尽心尽力,是否及时回你的电话和电邮,
能否主动和你联系。这是个态度... 阅读全帖
o*****p
发帖数: 5952
50
来自主题: Living版 - Mortgage房屋贷款FAQ
如何找 mortgage broker的经验体会,仅供参考.
1. 打电话和电邮,是否容易找到有 licence 的 mortgage broker 本人,还是助理或
同事?是否真诚,是否靠谱,是否有经验.根据法律,只有有贷款执照之人才能和给你贷
款的 offer.
2. 报价最好同一天同—时间段,因为利率每天变化,有时—天多次。若某一家贷款公
司给的利率和条件比市面上同行好很多,在不了解的前提下,多花点时间沟通考察
mortgage broker,确保不是不肖之人的Bait and Switch的策略.经常上网发言应该都
比较在意名声和长期合作关系.
3. 房屋贷款,特别是第一次,肯定有很多问题。一个好的 mortgage broker 应该把
整个贷款过程和你讲清楚,使你有一个合理的希望值。
4. 购屋贷款有remove loan contingency 和按时close圧力.找—个经验丰富,业务能
力强,又负责任,靠谱的 mortgage broker 尤其重要
5. 做一个贷款需好4-5周,看broker 是否尽心尽力,是否及时回你的电话和电邮,
能否主动和你联系。这是个态度... 阅读全帖
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