b********2
发帖数: 5191 | 1 check it out in my club:
http://www.mitbbs.com/club_bbsdoc/californiamortgage.html
Conforming Loan (Amount <= $417K)
5ARM - 2.625%
7ARM - 2.625%
15 Yr. Fixed - 2.75%
30 Yr. Fixed - 3.375%
High Balance (Amount >$417K & <= $625,500)
5ARM - 2.75%
15 Yr. Fixed - 2.875%
30 Yr. Fixed - 3.5%
Condition:
==========================================
Single Family House - Owner Occupied
LTV <= 75% (or <=80% for 15 yr)
FICO >= 740
30-day lock
loan amount (Conforming ~ 400K, HB ~ 600K)
may need impound
H1B may not qualify the best rate
========================================== |
z***h
发帖数: 998 | 2 what if loan amount is less than the requirement
【在 b********2 的大作中提到】
: check it out in my club:
: http://www.mitbbs.com/club_bbsdoc/californiamortgage.html
: Conforming Loan (Amount <= $417K)
: 5ARM - 2.625%
: 7ARM - 2.625%
: 15 Yr. Fixed - 2.75%
: 30 Yr. Fixed - 3.375%
: High Balance (Amount >$417K & <= $625,500)
: 5ARM - 2.75%
: 15 Yr. Fixed - 2.875%
|
b********2
发帖数: 5191 | 3 send PM to you.
【在 z***h 的大作中提到】
: what if loan amount is less than the requirement
|
i****a
发帖数: 36252 | 4 is it .125% higher in that case?
【在 b********2 的大作中提到】
: send PM to you.
|
b********2
发帖数: 5191 | 5 worst case, yes.
but most of cases, the rate may stay same.
【在 i****a 的大作中提到】
: is it .125% higher in that case?
|
b********2
发帖数: 5191 | 6 or if you provide the following questions, I can quote you a rate:
1. Loan type: [Owner Occupied/Investment]
2. Property type: [Single Family House Type/Town House/Condo]
3. Property value:
4. Loan amount:
5. FICO score (Credit score):
6. Desired loan term: [30 Yr. Fixed/15 Yr. Fixed/7ARM/5ARM]
7. With impound: [Yes/No]
To find out what is impound, click here
8. Your current loan term and rate if refinance:
9. Has it been six months since your last refinance?
Your old lender may require you stay four to seven months before doing
refinance again.
10. Status [Green Card/H1B/Others]:
11. Property Zip Code:
12. 您期望的Rate是多少?
please don't just say "the lower the better".
Additionally, please let me know if you have the following conditions:
1. Have HELOC (Home Equity Line of Credit): [Yes/No]
2. Does your house have upgrade without permit? If yes, what kinds of
upgrade?
3. Do you have rental properties?
4. Any borrower is taking maternity/paternity or any kinds of leave?
5. If the property is condo, what's the owner occupy ratio? |
