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No cost refi locked at 4% 15yr fixed rate

No cost refi locked at 4% 15yr fixed rate# Living

z*a2011-03-17 07:03

1 楼

【以下文字转载自 GunsAndGears 讨论区】
发信人: lazydude (懒dude), 信区: GunsAndGears
标题: 上了hunting课，竟然都是小孩子........
发信站: BBS 未名空间站 (Mon Jun 4 01:29:09 2012, 美东)
一节课13,4个人，只有两三个大人，其余全是小孩，有几个看着也就5,6岁，而且那大
人看着是为陪小孩来上课的。
象在幼儿园上课...
美国小朋友们这么小，家长们就开始让他们了解各种武器和如何使用了...
上几张照片...

t*o2011-03-17 07:03

2 楼

Loan amount 570,000. Very happy.

N*n2011-03-17 07:03

3 楼

这帖子我也看到了，原楼主脑子是不是不好使？
我在幼儿园想拍两张儿子和同学的合照都被制止了，说没有家长的同意，不能拍未成年
人，这原楼主要是用这理解水平和智力去ｈａｎｄｌｅ枪支，靠，家人求多福吧。。。

h*u2011-03-17 07:03

4 楼

Congrats! We're looking for refinance too. Which state you are at? Did you
use a local broker? Thanks!

z*02011-03-17 07:03

5 楼

公共场合拍了没问题，但拿到网上分享就大有问题了！
我们的幼儿园没这一说，可能是基于对家长的信任吧。

【在 N********n 的大作中提到】

: 这帖子我也看到了，原楼主脑子是不是不好使？
: 我在幼儿园想拍两张儿子和同学的合照都被制止了，说没有家长的同意，不能拍未成年
: 人，这原楼主要是用这理解水平和智力去ｈａｎｄｌｅ枪支，靠，家人求多福吧。。。

t*o2011-03-17 07:03

6 楼

I am in NJ. I use the same broker that worked for my initial purchase.

【在 h*****u 的大作中提到】

: Congrats! We're looking for refinance too. Which state you are at? Did you
: use a local broker? Thanks!

s*i2011-03-17 07:03

7 楼

legally, they need permission from the daycare (property owner), no need to
get permission from parent unless they want to publish the photo for
commercial purpose.

【在 N********n 的大作中提到】

h*u2011-03-17 07:03

8 楼

I have a silly question..Does "zero cost refinance" really mean "no cost at
all"? My husband told me there's no real zero cost refi because the bank
just rolls over the cost to your loan. Every bank that he checked asked for
some kind of closing cost, including origination fee/point/appraisal/
underwriting fees.....about $5k-6k
But everybody here are talking about zero cost re-fi. So I'm confused. Let's
say if my principal is 170k now, zero cost re-fi means your loan amount
will still be 170k?
Is this different from state to state even we use the some online agent?
Many thanks!

p*a2011-03-17 07:03

9 楼

wow, saving 200k maybe

t*o2011-03-17 07:03

10 楼

As far as I know, my loan amount will remain the same. The broker told me if
I pay closing cost of 3k, the rate could be 3.75% or lower.

at
for
's

【在 h*****u 的大作中提到】

: I have a silly question..Does "zero cost refinance" really mean "no cost at
: all"? My husband told me there's no real zero cost refi because the bank
: just rolls over the cost to your loan. Every bank that he checked asked for
: some kind of closing cost, including origination fee/point/appraisal/
: underwriting fees.....about $5k-6k
: But everybody here are talking about zero cost re-fi. So I'm confused. Let's
: say if my principal is 170k now, zero cost re-fi means your loan amount
: will still be 170k?
: Is this different from state to state even we use the some online agent?
: Many thanks!

h*u2011-03-17 07:03

11 楼

Thank you very much!

d*22011-03-17 07:03

12 楼

if with cost u can get rate 0.125% lower, better to choose no cost.
even 0.25% is unfavorable up to how much the cost is.

at
for
's

【在 h*****u 的大作中提到】

d*22011-03-17 07:03

13 楼

0.5% of loan amt for 0.25% rate down is worth doing,
if u will hold the loan for 10 yrs +.

if

【在 t****o 的大作中提到】

: As far as I know, my loan amount will remain the same. The broker told me if
: I pay closing cost of 3k, the rate could be 3.75% or lower.
:
: at
: for
: 's