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n***b
发帖数: 5914 | 2 我对那些挨着墙的condo/th都有阴影, 也没听说过有哪个2、30年的HOA 会特意花钱去
改善隔音状况。。。。所以那些紧邻着铁路/高速的新complex我还是敬而远之 |
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c**l
发帖数: 324 | 4 It is conforming.
4.625 is for super conforming. SFR, LTV<=75% |
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c**l
发帖数: 324 | 5 【 以下文字转载自 Collin_Home_N_Loan_Valley 俱乐部 】
发信人: cxhl (countable), 信区: Collin_Home_N_Loan_Valley
标 题: Rate update 8/2/2011 Very good rate
发信站: BBS 未名空间站 (Mon Aug 1 13:26:03 2011, 美东)
For no cost refi ready to lock loan rates are based on
SFR LTV = 60% Conforming limit 417k
Super Conforming limit 417K to 729.5K
Conforming Super Conforming
30Yr. Fixed 4.25% 30Yr. Fixed 4.375%
15Yr. Fixed 3.5% 15Yr. Fixed 3.625%
10Yr. Fixed 3.375% ... 阅读全帖 |
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c**l
发帖数: 324 | 6
conforming 4.0 is for sure. 3.875 need impound. LTV<=60, SFR, FICO >=740 |
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c**l
发帖数: 324 | 7
Down Payment多少? 那个county? SFR? |
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b****a
发帖数: 1144 | 8 房子 =\= SFR
你没看lz说无孩儿吗？你怎么知道人家有孩儿的时候没钱换房子。 |
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c**l
发帖数: 324 | 9
3.25% for SFR, LTV<=60, Primary, FICO >=740 |
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s*********3
发帖数: 2890 | 10 总共34个SFR， 14个duet。 明天帮你问一下hoa多少。 |
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c**d
发帖数: 3888 | 11 For a typical 1-story SFR, I'm guessing anywhere between $8K-15K.
Don't send me baozi. |
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c**d
发帖数: 3888 | 12 For a typical 1-story SFR, I'm guessing anywhere between $8K-15K.
Don't send me baozi. |
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s*****g
发帖数: 237 | 13 Location: South San Jose, on Tully and Capital
Looking for Tenant
Description: 4bedroom/2bathroom SFR, recently remodeled, decent condition,
brand new kitchen with granite counter top, 2 car garage. Available from
January.
Rent: $2000/month, $2000 security deposit, minimum 1 year lease
Restriction: No pets
Email: please email s*********[email protected], or call 408 717 0868 if
interested. |
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s*****g
发帖数: 237 | 17 Location: San Jose Evergreen area, on Tully and Capital
Looking for Tenant
Description: 4bedroom/2bathroom SFR, recently remodeled, decent condition,
brand new kitchen with granite counter top, 2 car garage. Available from
January.
Rent: $2100/month, $2100 security deposit, minimum 1 year lease
Restriction: No pets, prefer family
Send message to me if you are interested. |
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A********t
发帖数: 240 | 19 就一condo/appartment, not TH or SFR |
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s*********3
发帖数: 2890 | 20 请问你是要买 SFR 还是 TH? 价位如何？ |
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r******d
发帖数: 1879 | 21 If your loan amount is close to 400K, SFR, LTV60, 30 dyas lock, US citizen
or Green Card, FICO 740+, you will get 3.375% today no cost. |
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s*********3
发帖数: 2890 | 22 可以买到一般学区50～60万的SFR。好学区的话， 就只能TH了。 |
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r******d
发帖数: 1879 | 23 Unfortunately not. this is only for PUD or SFR. |
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s*********3
发帖数: 2890 | 24 对！我们经纪人比较重视Market value。 你说的是use value。 有时两者是不一致的
。在弯曲买房，投资的成分相当大， 不只是光光解决shelter的作用。想想看， 你一
天房子的开销有多大？住一个motel才$60左右一天就差不多了吧。我有不少客人， 即
使单身，也希望买在区好一点的， SFR买不起， 就买TH / Condo。
反过来说， 如果买一个房子， 内部结构，layout，房龄都非常满意， 但是每天掉价$
50～$100, 你是绝对不会高兴的。 |
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s*********3
发帖数: 2890 | 26 我的意思是说在94086属于Homestead 高中的那一部分，90万以下的SFR都是很小或者很
老旧。 |
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s*********3
发帖数: 2890 | 27 1.中半岛的CONDO， Mountain View， Sunnyvale的TH.
2. 94085， Blossom Hill SFR. 打火车去SF downtown上班。 |
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r******d
发帖数: 1879 | 28 best scenario, for LTV60% or less, FICO 740+, SFR, primary, you can get 2.5%
if LTV75 or less, will be 2.625%, none impound and impound is the same.
The rate is based on last week quote. Loan amount should be close to 400K. |
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r******d
发帖数: 1879 | 29 based on today's rate, if your LTV is 60 or less, FICO 740+, SFR, Primary
living, loan amount is close to 400K, yes, you can get 2.5% for 5 yrs ARM
otherwise, 2.625% for LTV75% is the best so far. |
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s*********3
发帖数: 2890 | 30 你这个是SFR吗？ 房价多少？ 有时TH 或 CONDO可能还会多一些items的。
hazard insurance 就是home insurance。 |
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r******d
发帖数: 1879 | 31 If you meet the following requirement:
SFR, Primary living, FICO 740+, LTV75 or less
Today's rate is 2.875% for both 5 yrs and 7 yrs ARM, no cost.
Super conforming 5 yrs ARM never be that low before. |
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r******d
发帖数: 1879 | 32 There are many angents on this board. You can check around.
You need to get the pre-approval from agent to see how much loan you are
qualifed, based on your down payment, credit score, visa status, house type
(SFR, PUD or condo), agent can let you know the rate and programs. |
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r******d
发帖数: 1879 | 33 The loan amount you can borrow will depend on your down payment and DTI (
Debts to Income Ratio). The rate you can get will also related with your
house type (SFR, PUD or Condo), credit score, loan amount, visa type....etc
Usually appraisal value for new purchase is similar as purchase price. |
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r******d
发帖数: 1879 | 34 assuming the following conditions:
SFR, Primary living, FICO 740+, LTV75, 30 days lock
3.5% for 30 yrs fix, no point no fee. |
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r******d
发帖数: 1879 | 35 3.25% for 20 yrs fix, if
SFR, Primary living, FICO 740+, loan amount 400K, LTV60 or less, NO IMPOUND. |
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r******d
发帖数: 1879 | 36 Assuming your condition:
SFR, Primary living
Loan amount 625K
LTV75%
FICO 740+
30 days close
based on today's rate,
2.875% for 7 yrs ARM, with $3000 rebate to cover loan related cost.
You can check my club's rate for everyday update. |
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r******d
发帖数: 1879 | 37 If your loan amount 450k/LTV75/FICO740/SFR, you can get 3.5% no cost, based
on Friday's rate. |
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r******d
发帖数: 1879 | 38 LTV80/SFR/Primary/FICO740+, 3.5% for 30 yrs fix, no cost today. |
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r******d
发帖数: 1879 | 39 来自主题: SanFrancisco版 - 寻房贷公司 Assuming your house is SFR, the best no point no fee rate you can get today
was:
3.875% for 30 yrs fix
3.125% for 10 yrs ARM
But if this house is CONDO, price will be different.
Is this new house a brank new home from builder OR you mean the new purchase? |
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s*********3
发帖数: 2890 | 40 SFR会比较困难，可能要看TH，或者去Evergreen。Frwy#17以东的85交通应该还可以。 |
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s*********3
发帖数: 2890 | 42 年收入应该不是问题，15万左右首付可能只能买到70万左右的房子了。 可以考虑Warm
Spring， 95132， 95124， 95118（部分），95008， 95051， 买到TH比SFR的希望大
些， 娃多大？ |
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s*********3
发帖数: 2890 | 43 现在南湾许多地方首付至少要25%以上才有可能拿到房子。否则seller会质疑你哪来non
contingency 的能力。朝东，朝南走，离开mountain view 25 miles 以外，80万以下
的SFR，TH还是有可能买到滴。 |
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s*********3
发帖数: 2890 | 44 来自主题: SanFrancisco版 - 买房一问 90万SFR和70万的TH budget level 不是差得很大，过几年又要换房，可能划不来。 |
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s*********3
发帖数: 2890 | 45 室内40dB还是有些影响的， 所以买TH / CONDO时， 同一个 model的房子在小区内的不
同location，朝向，和楼层（指CONDO）对价格影响那是蛮明显的， 同时还要注意是不
是就在游泳池的机器房， 小区洗衣房，停车场，garbage dump 边上。
对于SFR， 大部分客人都是希望前院 / driveway 不超过50dB， 后院不超过40dB， 室
内30dB左右（门窗全关上）
40dB |
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s*********3
发帖数: 2890 | 46 如果在同一个区域， 同一个时间段来比， 从保值， 增值的角度上讲， always， SFR
, TH， then CONDO，个例除外。
分） |
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s*********3
发帖数: 2890 | 47 我经常有新房开盘的消息，80万左右好点学区的TH南湾就有，SFR可能要到 Dublin了。
新房20%首付就够了， 15%也可以勉强， 因为建房需要6个月左右的时间， 在这段时间
里，怎么地你那5%不也凑出来了吗？ |
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s*********3
发帖数: 2890 | 48 是， 同一小区， 同样的使用utility （几房，几浴，面积，房龄等）， TH是要比SFR
便宜30%左右。
SFH
townhouse
townhouse |
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s*********3
发帖数: 2890 | 49 可能不是Evergreen High的，目前还没有房型和价格信息， 有意者多多关注。 |
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