m***y
发帖数: 14763 | 1 有院子就有yardwork,不愿打理的就交condo fee还划算点. |
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d******n
发帖数: 2712 | 3 如果是30年的贷款，condo需要25% down pay才能不影响rate，而single family house
只需要20% down pay。
从loan officer角度，我喜欢single family，贷款容易做，不需要纠结于condo
questionnaire以及warranty的申请。
不过，选condo还是single family，要看LZ打扫庭院的热情有多高了，夏天割草，秋天
扫叶子，冬天铲雪。。。如果到时候要假手于人的话，不如就买个condo了。 |
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h***b
发帖数: 1233 | 4 80%/75% 的 LTV，利率是一样的，只是condo 手续复杂些。
如果买全新 condo, condo project 要是 approve的，而且 occupancy rate要在75%或
以上，不然就一定要用 builder 指定的lender。
========================================
会影响rate吗？还是只是手续复杂些？ |
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x*****o
发帖数: 638 | 5 请问condo的HOA是不是包括了房子的保险，和垃圾处理之类的。SFH这些费用一年大概
要多少呢？ |
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g*****s
发帖数: 1288 | 7 恰恰相反.很多condo是连在一起的，所以HOA包括了master insurance来cover 房子的
replacement cost. |
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S******6
发帖数: 3138 | 8 我们这里 Condo 分外险，内险，Condo fee 含有外部损害保险。 |
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R****9
发帖数: 815 | 9 树砍光了秋天就不用扫落叶了，
买个好点的除草机，夏天除草也不太累，
买个好点的扫雪机，冬天扫雪也不太苦。
house |
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d******n
发帖数: 2712 | 10 我们常做的几个investor，只要是attached condo，30年的term，都有0.75个point的
adjustment。
一般HOA会买master insurance,当然羊毛出在羊身上，估计也是大家集资买的，master
insurance保主体结构和外墙。住户需要买homeowner insurance，保内墙的。 |
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b*d
发帖数: 9308 | 11 有些condo的HOA都不包括房子的保险, 要自己单买的. |
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h***b
发帖数: 1233 | 12 只要有 Association, 即使SFR也得缴 HOA fee，只是比 Condo 少一点而已 |
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Y***o
发帖数: 4135 | 13 The lower dowelling one (Option#1) was quoted by BOA's agent and I am
getting loan from BOA too.
Is $263K enough to build a 2300 ft2 SFR house in SoCal?
Thanks, |
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h***b
发帖数: 1233 | 14 【 以下文字转载自 charles 俱乐部 】
发信人: hkmbb (hkmbb), 信区: charles
标 题: 1st Meaningful Rate Deline in Weeks 02/22/11
关键字: SFR,real estate,mortgage,loan,interest
发信站: BBS 未名空间站 (Tue Feb 22 14:09:10 2011, 美东)
main reasons for the drop are:
1. tension in Middle East--it's been brewing for months since the unrest
started in Tunisia, Egypt, Jordan, etc. as it spreads over to other nations
, including major "oil-producing" country like Libya, ppl start to hedge
themselves by taking profits off table in the eq... 阅读全帖 |
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Y***o
发帖数: 4135 | 16 $640K, 是的还一辈子。 加州居不易 - 当房奴！！ |
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h***b
发帖数: 1233 | 17 funny #2 no show in posting but shows up in reply... :p
both are good depends on if you're willing to cough up cash upfront. |
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Y***o
发帖数: 4135 | 18 I was editing.. :)
How come other place show 5.125% --> provided by MITBBS brokers? Maybe my
builder trying to attract me after I threat to quit the purchase, LOL. |
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Y***o
发帖数: 4135 | 22 Any comments on the rate? |
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Y***o
发帖数: 4135 | 23 Thanks for the info. So,the rate is going lower these days? |
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d******n
发帖数: 2712 | 24 purchase的话，选no piont的最低rate，然后比较一下closing cost，选个相对低的银
行。
羊毛出在羊身上，broker能返出钱来是因为赚的就多，而之所以赚的多，是因为offer
的rate高。 |
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Y***o
发帖数: 4135 | 25 So, you receive 0.625*628K=$3900 from broker/bank?
Which lender - if you do not mind, can you PM me?
Buying from builder or from resale home?
Thanks, |
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j***k
发帖数: 2719 | 26 I just locked in with Citibank last Friday. 450K Loan 3.75% on 5/1 ARM, 1/8
pt back (about $500). Just recieved the Good Faith closing estimate. The bank fees are;
appraisal: $550
origination: $625
credit rpt/fedex/etc: <$200
With the $500 rebate, Citi only charges me a total that's less than $975, including appraisal. Not even any bank lawyer's fee.
Of course, because the property is long island, NY, I got to pay various tax and
also title insurance. That pushes the closing cost to close to $... 阅读全帖 |
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h***b
发帖数: 1233 | 27 on loan, definitely SFR.
townhouse (i.e. condo) usually 1. requires a higher down pay to avoid add'l
fees; 2. lender requires condo certification--specific req on owner
occupancy rate (usually > 51%), pending litigation, HOA due delinquency, etc
.; 3. if it's new condo project, req is even stricter.
on selling, above issues apply to prospective buyer if loan is req'd.
otherwise, about the same. |
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c**********e
发帖数: 1184 | 29 昨天还能做到4.5%，但今天只能做到4.625%（38万贷款额，LTV<=75%，信用分数>740，
SFR，income qualified）。现在股票市场还在跌，看今天稍晚些时候利率能否向下调
整一下。 |
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c**********e
发帖数: 1184 | 30 假设贷款在加州，贷款金额是$380K，LTV<=75%，信用分数>760，SFR，今天5/1 ARM重
贷利率要拿到2.5%的话，out-of-pocket的费用要$2,500左右。 |
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h***b
发帖数: 1233 | 31 如果是 SFR 里外都要量。外面是量 lot size, 里面是 living space. |
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d*****y
发帖数: 205 | 32 两个房子offer 都被接受了，
两口+两个2岁的孩子，
一个交通便利，离高速近，离上班就不到10分钟，SFR，有比较大的院子（3000-4000尺
吧，和豪宅不能比），小学不错，初中和高中都不行，房子面积只有1000尺，1945年
另一个离上班35分钟，学区好（小学到高中都不错），
是个townhouse比第一个贵9万，院子小一半，房子面积倒是大不少，1800尺，1984年的
房子。
都需要花几万装一下因为原来的内部条件都不怎么样，第一个更老一些，需要做的事情
更多，
拿不定主意，买第一个的话就打算等他们小学上完再搬
大家觉得如果是你的话会怎么考虑？ |
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b********2
发帖数: 5191 | 33 去年在一个real estate show 上,一家公司说20K就可以卖一个SFR,难以置信 |
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A**l
发帖数: 225 | 34 看你多少的loan amount, dp 多少，SFR not not, credit score怎样... 差别可以很
大。
既然看15 yr fixed, 估计 conforming了。
如果40W的primary loan，re-fi 3%，而purchase大概3.125%能做下来， 这还是no
point no fee.
NY不清楚。哦在CA |
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C****n
发帖数: 2324 | 35 If you come to Irvine, CA, there's a lot SFR, detached, does not have a
drive way at all, even its price run up to $800K. Here we call it Motor
Court. Sounds like mobile home.
A drive way is a luxury in Irvine area. |
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Y***o
发帖数: 4135 | 36 595K 贷款, SFR， LTV ~70-75%,肯定是 <75%.
credit >740.
请问 15年和30年利率? 要求 Refinance NO cost No Fee
谢谢。 |
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r******d
发帖数: 1879 | 37 on prelim, if it is fee simple or fee, it will be SFR or PUD
if it is condomium, it is condo |
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L**P
发帖数: 3792 | 38 目前似乎就有类似趋势，70万为界，下面的涨，上面的不动
还有就是70万以下的，有地的sfr涨，没地有hoa的townhouse跌 |
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r******d
发帖数: 1879 | 39 We are the CA broker. Based on today's rate, we can offer 3.625% for 30 yrs
fix on SFR primary living, LTV80%, FICO 740+, 30 days locking, NO cost.
closing |
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r******d
发帖数: 1879 | 40 If you are US citizen/Green card holder, LTV60 or less, FICO 740+, SFR,
primary living, with impound, you still can get 3.125% for 30 yrs fix in
California. |
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r******d
发帖数: 1879 | 41 Assuing the house is SFR, investment, FICO 740+, LTV75% or less, the best
rate today is 3.75% for 30 yrs fix no cost in CA. |
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r******d
发帖数: 1879 | 42 It will depend on the conditions. If you have multiple proeprties, 2nd job,
assets transactions, account is not clear, tax return is not matching the
IRS's transcript, company aquisition but not enough proof, paycheck has any
unknow item that PF suspect, attached PUD qustionares are not satisfied PF's
guidline....
Your case is easy or not will depend on your agent's preparation and review
too. As long as you provide what PF ask for, it will be smooth :)
PF is good on rate and processing, but is... 阅读全帖 |
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c**********e
发帖数: 1184 | 43 给一个rate quote不需要SSN，只要提供如下信息即可得到一个准确的quote:
1. Est. Market Value or Purchase Price of the subject property:
2. Desired loan amount:
3. Desired loan term [30-yr fixed | 15-yr fixed | 7ARM | 5ARM]:
4. Property type [SFR | Townhouse | Detached Condo | Attached Condo]:
5. Occupancy [Primary Home | 2nd Home | Investment Property]:
6. Property Zip Code:
7. Any 2nd lien (such as HELOC) on the house? [Yes | No] If yes, HELOC limit
and current balance:
8. Most recent credit score(s):
9. Immigration statu... 阅读全帖 |
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r******d
发帖数: 1879 | 44 There is no such formula for you to get the fixed number for your question
because there are many factors will be involved such as:
house type, visa status, loan amount, impound or none impound (FICO and LTV
will not count for 15 yrs fix since it will not play important role),
lenders you choose, broker commission level set, the day you lock the rate..
...etc.
Give you an exmaple here,
If your house is SFR, Primary living, 400K loan amount, No impound, then you
might only need 0.375% point to ge... 阅读全帖 |
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r******d
发帖数: 1879 | 45 这种情况应该贷5年或者7年的ARM啊。 ARM的利率要比30年固定的利率低很多， 而且月
供又比15年固定少很多。 按今天的利率来说， 如果
SFR, Primary, LTV75, FICO 740, loan amount 400K, rate can be 2.5% for 5 yrs
and 2.625 for 7 yrs. |
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Y***o
发帖数: 4135 | 46 What is the current rate for NO cost refin for $585K loan, LTV < 75%, SFR in
CA? |
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r******d
发帖数: 1879 | 47 光看rate是无法定夺的。 你要综合所有条件：
1。 是否是独立房， townhouse 还是 condo
2。 是否是20% 首付， 还是25%
3。 是否是绿卡公民还是工作签证
4。 信用分数是否在740分以上
5。 贷款额度大小
你可以到我的俱乐部看每天加州的purchase 和 refinance的利率。 你做的应该是
super conforming 的利率，
如果你是下列情况，
Super Conforming(LOAN = 600K, LTV75, SFR, 740+, 30 days) Primary living
Purchase
3.625% for 30 yrs fix, with 0.5 point rebate, no impound.
希望对你有所帮助。 |
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r******d
发帖数: 1879 | 48 光看rate是无法定夺的。 你要综合所有条件：
1。 是否是独立房， townhouse 还是 condo
2。 是否是20% 首付， 还是25%
3。 是否是绿卡公民还是工作签证
4。 信用分数是否在740分以上
5。 贷款额度大小
你可以到我的俱乐部看每天加州的purchase 和 refinance的利率。 你做的应该是
super conforming 的利率，
如果你是下列情况，
Super Conforming(LOAN = 600K, LTV75, SFR, 740+, 30 days) Primary living
Purchase
3.625% for 30 yrs fix, with 0.5 point rebate, no impound.
希望对你有所帮助。 |
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r******d
发帖数: 1879 | 49 我给你的利率是加州的利率。 duplex的情况会比SFR高一些， 但是不会有如此之大的
差别。
州和州之间也许不太一样， 我们有的银行你的代理可能没有。 多问一问， 你是不用
买点的。 |
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I******A
发帖数: 426 | 50 能拿什么样的利率,还需要考虑以下几个因素:
1. Est. Market Value or Purchase Price of the subject property.
2. Desired loan amount.
3. Most recent credit score(s).
4. Property type [SFR | Townhouse | Detached Condo | Attached Condo].
5. Occupancy [Primary Home | 2nd Home | Investment Property].
6. Immigration status [Citizen | Green Card | H1B | Other]. |
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