问一下这个mortgage# Living
a*n
1 楼
mortgate agent发的，这个可调一次的感觉没啥用啊
因为是builder的mortage agent，没法用别家的，NND
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I currently show you doing 20% down on a 30 year fixed conventional
loan. If you were to lock in today, If you were to do a 120 day rate
lock, you would add .125% to today’s rate to determine your cap rate.
Based on where we are today, the cap rate would be 4.375% + .125% or
4.50%. That means the worst your rate could be is 4.50%. You then have
one chance to float the rate down within 30 days of closing. At time
of float down, you would get the market rate + .125%. If the market
rate is at 3.00%, you would actually get 3.125% as your final rate.
If the market rate at float down was 6.00%, you would get 4.50% which
was your initial cap rate. You would pay .50% of the loan amount up
front which is credited back to you at closing unless you cancel for any
reason.
现在project的是3月底4月初close,
给我说90-day lock还没有120-day lock rate好，怎么会这样?
因为是builder的mortage agent，没法用别家的，NND
-------------
I currently show you doing 20% down on a 30 year fixed conventional
loan. If you were to lock in today, If you were to do a 120 day rate
lock, you would add .125% to today’s rate to determine your cap rate.
Based on where we are today, the cap rate would be 4.375% + .125% or
4.50%. That means the worst your rate could be is 4.50%. You then have
one chance to float the rate down within 30 days of closing. At time
of float down, you would get the market rate + .125%. If the market
rate is at 3.00%, you would actually get 3.125% as your final rate.
If the market rate at float down was 6.00%, you would get 4.50% which
was your initial cap rate. You would pay .50% of the loan amount up
front which is credited back to you at closing unless you cancel for any
reason.
现在project的是3月底4月初close,
给我说90-day lock还没有120-day lock rate好，怎么会这样?
