m****M
发帖数: 360 | 1 Is it a good deal to lock it at 4% today? Thanks. |
m****M
发帖数: 360 | 2 4%, 15 years, downpay at 10%, no PMI. |
s****l
发帖数: 221 | |
g********l
发帖数: 506 | |
m****M
发帖数: 360 | 5 I asked the FHA load before, but most of the people said no idea on it.
I used FHA (federal housing agent), can downpay 3.5%, but have to pay PMI.
If downpayment is 10%, there is no PMI.
The rate is also lower than conventional one. It's 3.8% a week ago, but didn't lock it because I just start to look for lender
The FHA is only for first home buyer |
m****M
发帖数: 360 | 6 it could be a good program if you are in CA. Less downpayment, but buy a
higher value house.
Just google "FHA first home buyer"
I pretty sure you can find FHA lenders around you.Most lenders do it.
【在 g********l 的大作中提到】
: how come no pmi?
|
b*d
发帖数: 9308 | 7 利率不错，不过FHA的Closing Cost就要高不少，还要交PMI。
【在 m****M 的大作中提到】
: it could be a good program if you are in CA. Less downpayment, but buy a
: higher value house.
: Just google "FHA first home buyer"
: I pretty sure you can find FHA lenders around you.Most lenders do it.
|
d******n
发帖数: 2712 | 8 down pay 10%,会不要求交Mortgage Insurance么？
FHA loan有个Upfront mortgage insurance，conventional loan不收这笔钱，不过。
。。mortgage insurance是避不开的吧？
【在 m****M 的大作中提到】
: 4%, 15 years, downpay at 10%, no PMI.
|
b*d
发帖数: 9308 | 9 没有PMI，好像没有听说过。
南加州贷款利率查询，欢迎访问我的俱乐部：
http://www.mitbbs.com/club_bbsdoc/SoCalMortgage.html
【在 m****M 的大作中提到】
: 4%, 15 years, downpay at 10%, no PMI.
|
t**********j
发帖数: 382 | 10 PMI means Private Mortgage Insurance. For FHA loan,it calls MIP (Mortgage
Insurance Premium).
For 15 year FHA loan, you don't need to pay annual MIP if your down payment
is 10% or more but you do need to pay Upfront 1% MIP. Sometimes the lender
will pay the 1% MIP for you with increasing the rate by 0.125-0.25%.
The Annual MIP will be increased by 0.25% if the CASE number assigned on or
after 4/18/2011. Your should apply for your FHA loan by 4/10 to avoid paying
the extra 0.25%.
Questions, please email to me @c********[email protected] |
