f**********n
发帖数: 3081 | 1 大家帮俺看看。 俺现在是两个morgage, first 170k with citi @5.75%, 2nd with
websterbank, 30k@ 8.125%. 房子估计市值200k吧。
联系了个local broker, 他给了几个options:
You currently owe approximately $200,500. Since we can only lend $194750.
So that means that right off the top you would be bringing the difference in
cash to the able which in this case is $5750. Plus you will have to set up
your escrow account which is approximately $1150 (you get your old escrow
account refunded back to you. So that means that you would have to bring
right at $6900 to close. Below are the different options I can provide to
you today. Keep in mind on the scenarios with closing costs, that number
would be added to the $6900 to close.
30 Year Fixed
4.75% with $2474 in closing costs
First mortgage: $856
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $1229.65
4.875% with $1237 in closing costs
First mortgage: $868
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $1241.65
5.0% with NO closing costs
First mortgage: $880
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $1253.65
20 Year Fixed
4.625% with $2474 in closing costs
First mortgage: $1049
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $1422.65
4.75% with $1237 in closing costs
First mortgage: $1060
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $1433.65
5.0% with NO closing costs
First mortgage: $1082
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $$1455.65
15 Year Fixed
4.25% with $2474 in closing costs
First mortgage: $1234
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $1607.65
4.375% with $1237 in closing costs
First mortgage: $1244
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $1617.65
4.625 % with NO closing costs
First mortgage: $1265
Second mortgage: $284.88
Hazard insurance: $62.61
Taxes: $26.16
TOTAL: $1638.65
打算来个30年的no cost的， 5% | f**********n
发帖数: 3081 | 2 昨天联系了几个zillow上的broker,今天一天没有回应。 | d******n
发帖数: 2712 | | f**********n
发帖数: 3081 | 4 老夫06年买的时候23万，付了5%。 弄了个80% @5.75% ， 15% @8.125%
我打算弄第一个 option 了， 80% @ 5%, 15% @ 7.1%, no closing cost.
【在 d******n 的大作中提到】
: 200K的房子要贷190K多？cool！
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