c*******n
发帖数: 679 | 1 2.75% for 15 years fixed, 3.375% for 30 years fixed at no closing cost now
if your loan amount is around $350k-$417k. (for VA, not sure about MD) |
m*t
发帖数: 1862 | |
N***M
发帖数: 4295 | |
c*******n
发帖数: 679 | 4 VA. I had thought MD and VA would have the same interest rates. |
x*****o
发帖数: 361 | 5 I got 2.75% 15yr fixed with loan amount under 417k last friday. |
m*******r
发帖数: 8950 | 6 意味着最近股市向上... HOHO...
【在 m*t 的大作中提到】
: 是否意味着形势还是不太好？
|
m*t
发帖数: 1862 | 7 那房子也向上，是吧？
【在 m*******r 的大作中提到】
: 意味着最近股市向上... HOHO...
|
b*****n
发帖数: 10665 | 8 我们的AGENT说还做不到，还是2。875
【在 c*******n 的大作中提到】
: 2.75% for 15 years fixed, 3.375% for 30 years fixed at no closing cost now
: if your loan amount is around $350k-$417k. (for VA, not sure about MD)
|
U***J
发帖数: 5998 | 9 What is the minimum difference that will make this worthwhile? |
n**********g
发帖数: 152 | 10 Technically, any positive number. Practically, I'll choose 0.375%,
considering the consumption of time and energy.
【在 U***J 的大作中提到】
: What is the minimum difference that will make this worthwhile?
|
|
|
U***J
发帖数: 5998 | 11 I am always confused with this. For example, I have been paying my current
mortgage for a while, and if I refinance, the 30 yrs starts all over again.
SO how is the savings calculated? I know this is lame, but I am terrible
with math.
【在 n**********g 的大作中提到】
: Technically, any positive number. Practically, I'll choose 0.375%,
: considering the consumption of time and energy.
|
n**********g
发帖数: 152 | 12 The correct math is:
pay the same amount of monthly payment (principal+interest) before and after
refinancing, even the rate is lower after, you will pay off your loan
earlier with refinancing. Equivalently, your overall interest paid is lower.
.
【在 U***J 的大作中提到】
: I am always confused with this. For example, I have been paying my current
: mortgage for a while, and if I refinance, the 30 yrs starts all over again.
: SO how is the savings calculated? I know this is lame, but I am terrible
: with math.
|
l*****l
发帖数: 4691 | 13 这事儿我也一直没想通。。。虽然每个月少了，但是还的时间变长了，怎么才能算明白
啊？我数学也不灵光。。。
.
【在 U***J 的大作中提到】
: I am always confused with this. For example, I have been paying my current
: mortgage for a while, and if I refinance, the 30 yrs starts all over again.
: SO how is the savings calculated? I know this is lame, but I am terrible
: with math.
|
l**n
发帖数: 7272 | 14 我们明天close。30年3.5% 500 credit。 |
c*h
发帖数: 33018 | 15 Rate很好呀。
【在 l**n 的大作中提到】
: 我们明天close。30年3.5% 500 credit。
|
U***J
发帖数: 5998 | 16 Mine is jumbo, so not sure what is available now. |
g********0
发帖数: 15010 | 17 你每月的payment是不是降低了？
.
【在 U***J 的大作中提到】
: I am always confused with this. For example, I have been paying my current
: mortgage for a while, and if I refinance, the 30 yrs starts all over again.
: SO how is the savings calculated? I know this is lame, but I am terrible
: with math.
|
c*******n
发帖数: 679 | 18 that's pretty good, congrats!
【在 l**n 的大作中提到】
: 我们明天close。30年3.5% 500 credit。
|
U***J
发帖数: 5998 | 19 I have not refinanced yet, but my agent has been calling me. My current rate
is 3.875%, so not sure what rate is available out there for me right now.
【在 g********0 的大作中提到】
: 你每月的payment是不是降低了？
:
: .
|
h***y
发帖数: 10334 | 20 学生也可以贷款买房吗？ 还以为只有工作的人才可以呢。 |
f********7
发帖数: 2899 | 21 估计是2.875% 左右15年。
rate
【在 U***J 的大作中提到】
: I have not refinanced yet, but my agent has been calling me. My current rate
: is 3.875%, so not sure what rate is available out there for me right now.
|
m*******r
发帖数: 8950 | 22 是真JUMBO, 还是假JUMBO?
【在 U***J 的大作中提到】
: Mine is jumbo, so not sure what is available now.
|
