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现在贷款低于20%downpay还有second loan 一说吗?
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现在贷款低于20%downpay还有second loan 一说吗?# Living
n*p
1
有同学问如何向编辑或者Publisher要证明信来说明自己的审稿工作。 我把Publisher
给我的证明信贴在这里,给大家(特别是DIY的)一个参考。
我给Publisher一个草稿,其中第二段杂志证明是从杂志网页上Copy的,目的是证明
杂志很牛B。 关于审稿资格,关键是要有一句说“individual's expertise in a
specialized field.” 能详细说一下更好。
Dear USCIS officer,
I am writing this letter as the Senior Publications coordinator
of SIAM to confirm that Dr. NONPP has served as a peer reviewer
for our journal SIAM Journal on Mathematical Analysis (SIMA).
The SIAM Journal on Mathematical Analysis features research
articles of the highest quality employing innovative analytical
techniques to treat problems in the natural sciences. Every paper
has content that is primarily analytical and that employs
mathematical methods in such areas as partial differential
equations, the calculus of variations, functional analysis,
approximation theory, harmonic or wavelet analysis, or dynamical
systems. Additionally, every paper relates to a model for natural
phenomena in such areas as fluid mechanics, materials science,
quantum mechanics, biomathematics, mathematical physics, or to the
computational analysis of such phenomena.
Reviewers, such as Dr. NONPP, play a key part in determining what
the journal accepts for publication. The invitation to work as a
referee for the journal reflects the individual's expertise in a
specialized field. A key step on the road to publication is the
review, and the referee must judge the work for originality,
accuracy, and relevance. Dr. NONPP's work in assessing the
suitability of manuscripts for publication is valued and appreciated.
SIAM is a community of more than 13,000 members, including applied
and computational mathematicians, computer scientists, and other
sciences and engineers.
Sincerely,
XXXX
Senior Publications Coordinator
[address]
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y*h
2
一开始agent就说如果低于20%downpayment就要付pmi,所以一直以为就是这种选择。
最近在网上看到以前的精华帖子里提到80%/10%的 two loan plan,现在还能这样贷
吗?谢谢
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T*y
3
very good!
If the journals have some high rankings or world-wide circulations with
specific subscription numbers, all that info can be put in the journal
introduction paragraph, as well.
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i*a
4
no. it was only during housing bubble and banks are lining up to lend you
money

【在 y****h 的大作中提到】
: 一开始agent就说如果低于20%downpayment就要付pmi,所以一直以为就是这种选择。
: 最近在网上看到以前的精华帖子里提到80%/10%的 two loan plan,现在还能这样贷
: 吗?谢谢

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j*l
5
Thank you very much!
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y*h
6
Thanks a lot.

【在 i****a 的大作中提到】
: no. it was only during housing bubble and banks are lining up to lend you
: money

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p*l
7
My lawyer says the letter should explicitly mention you are invited because
of your "intentional acclaim". "expertise in a
specialized field" is not strong enough.
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b*d
8
你可以直接做10%首付的Conventional的贷款。

【在 y****h 的大作中提到】
: 一开始agent就说如果低于20%downpayment就要付pmi,所以一直以为就是这种选择。
: 最近在网上看到以前的精华帖子里提到80%/10%的 two loan plan,现在还能这样贷
: 吗?谢谢

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w*5
9
Thanks for sharing.
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t*n
10
首付少于20%是不是很难代到?

【在 b*d 的大作中提到】
: 你可以直接做10%首付的Conventional的贷款。
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p*y
11
现在想用2nd loan躲避mortgage insurance是不行了,2nd loan很难拿到,因为房价下
滑,2nd loan太没保障。
只pay 10% down,需要交mortgage insurance,loan倒并不难批。
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k*o
12
Basically two choice, either 20% conventional, or < 20% (with FHA/PMI).

【在 y****h 的大作中提到】
: 一开始agent就说如果低于20%downpayment就要付pmi,所以一直以为就是这种选择。
: 最近在网上看到以前的精华帖子里提到80%/10%的 two loan plan,现在还能这样贷
: 吗?谢谢

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b*d
13
不是,只要你的条件好(信用好,工资不错),都是能贷到的。

【在 t***n 的大作中提到】
: 首付少于20%是不是很难代到?
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k*o
14
No, it depends on at which cost you will get your loan.
FHA loan (as low as 3.5% 首付) is widely available for most first time home
buyer.

【在 t***n 的大作中提到】
: 首付少于20%是不是很难代到?
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c*l
15
If you are in Texas, still can apply for the second loan. We have several
banks have second loan.
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k*a
16
FVCK FHA loans! it's one of the main reasons lead to the housing bubble
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k*o
17
Agree. Plus stated income (you say how much you earn) makes borrower to get
loan they can't afford.

【在 k*****a 的大作中提到】
: FVCK FHA loans! it's one of the main reasons lead to the housing bubble
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