c****u 发帖数: 135 | 1 今天刚收到的。这个30年的rate可信吗? 2000 lender fee。 这个是不是就是
application fee? 贵吗? |
c****u 发帖数: 135 | 2 这个更清楚些。
【在 c****u 的大作中提到】 : 今天刚收到的。这个30年的rate可信吗? 2000 lender fee。 这个是不是就是 : application fee? 贵吗?
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b*d 发帖数: 9308 | 3 APR4.767%,这要收多少的Point呀!!!
【在 c****u 的大作中提到】 : 今天刚收到的。这个30年的rate可信吗? 2000 lender fee。 这个是不是就是 : application fee? 贵吗?
|
c****u 发帖数: 135 | 4 APR我还没有搞清楚怎么用。能解释一下吗?谢了。 |
b*d 发帖数: 9308 | 5 APR就是把所有的Point,Cost全都加到Rate里面以后的利率。有时候Lender给你一个非
常诱人的利率,但是Cost很高,还有Point,最后实际的利率并不好。
【在 c****u 的大作中提到】 : APR我还没有搞清楚怎么用。能解释一下吗?谢了。
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t**********j 发帖数: 382 | 6 This is a FHA loan. Loan amount is $200,000. Upfront MI=$2000 (1%). Monthly
MI = $200000*1.1%/12=$183. The current rate for FHA loan is about 4.25% for
30 year fixed. |
S******6 发帖数: 3138 | 7 4.767% 不是也还好吗 ? 你说的里面收了很多 point 是什么意思,lender 好像并没
有明说要楼主买 point 啊。
【在 b*d 的大作中提到】 : APR4.767%,这要收多少的Point呀!!!
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t**s 发帖数: 6972 | 8 这种lender躲远远的。用表面的低利率骗人来他这里。
loan borker之间竞争很激烈,利润也不高,不可能差很多。 |
d******n 发帖数: 2712 | 9 俺们不做FHA loan,不太了解,不过,先交1个point,还得再交mortgage ins。。。莫
非LZ的down pay很低? |
t**********j 发帖数: 382 | 10 We usually have 20% down payment and very good credit and income, we don't
want to pay MI, so we always go to Convention loan.
Most people don't save a lot of Savings to buy a house. I have clients who
barely has no money in their accounts but they can buy a house for FHA loan.
FHA allows 100% gift. Rates are much much better for low down payment,
especially for Condo. There is no price adjustment for 3.5% down payment,
single house or condo. The current 30 year fixed rate is about 4.25%. If the
client doesn't want to pay 1% upfront MI, he/she can get it by increasing
the rate to 4.375 or 4.5%.
In addition, EAD card is welcome to FHA. It may have issue for Conventional
loan.
One more point, if your credit score is good, I have loans with more than 55
% DTI closed. For conventional loan, if the DTI is more than 45%, it usually
can not be approved. |