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Is this rate good?
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Is this rate good?# Living
d*r
1
http://finance.yahoo.com/tech-ticker/confessions-of-an-apple-st
CONFESSIONS OF AN APPLE STORE EMPLOYEE: We Lie To Customers All The Time
Provided by the Business Insider:
An anonymous Apple store employee pulled back the curtain behind the company
's impressive retail operation. He talked to Popular Mechanics about what it
's like to be an Apple footsoldier on a day to day basis.
Here's what we learned:
On product launch day, all Apple store employees watch the Keynote together.
They don't know anything ahead of time, of course.
Customers can be shockingly rude.
Drug dealers and Chinese resellers like their iPhones and iPads. They will
use fake IDs and fake credit cards and all sorts of tricks to buy Apple
products.
Sales people aren't paid on commission, but they're still encouraged to sell
hard. Each employee's sales number is put up for the employees to see where
they rank, and selling is a way to get a promotion.
Apple store employees dream to be a genius. The coolest thing is to be at
the Genius Bar, and the other Apple store employees work hard and sell hard
because they want to be made a genius.
Showing up to work late won't get you fired -- talking off hand about the
next iPad WILL (even though you don't know anything about the next iPad).
People will use the public computers for all sorts of stuff. Teenagers will
blast Britney Spears really loud and start dancing. And of course pranksters
keep changing the Macs' language to Korean or Russian.
Employees lie to customers. They tell consumers that unlocking their iPhone
will brick them -- make the phone as usless as a brick -- and that T-Mobile
will fry the antenna.
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k*5
2
CA Purchase Loan 600K
30 years fixed
4% with $2000 credit towards to closing cost
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L*n
5
搭车问一下, 我找的可以提供10年arm, 3.12% rate. 南加州,贷款50万。这个如何
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b*2
6
以今天的rate, 10ARM 3.125%不太可能, 哪家的lender?
http://www.mitbbs.com/club_bbsdoc/californiamortgage.html
如果lock了, 一定要lock confirmation.

【在 L****n 的大作中提到】
: 搭车问一下, 我找的可以提供10年arm, 3.12% rate. 南加州,贷款50万。这个如何
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I*s
7
如果no point,no fee的话, 很好的10年ARM的利率。最近$417,000以上的贷款, 有
些local 银行的利率不错。
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L*n
8
credit union. no point and fee. 几周前给我们的rate,我们在几周前open
escrow 的时候已经lock 了,还需要什么lock confirmation 吗?

【在 b********2 的大作中提到】
: 以今天的rate, 10ARM 3.125%不太可能, 哪家的lender?
: http://www.mitbbs.com/club_bbsdoc/californiamortgage.html
: 如果lock了, 一定要lock confirmation.

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I*s
9
最好要个lock confirmation。
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b*2
10
lock confirmation上应该有lock的rate, program, 以及lender给的rebate.
对10ARM来说, 3.125%就算要出$5000 cost也算是很好的deal. 所以还是要个
confirmation比较安心.
如果真的是no cost, no fee,麻烦告诉我一声是哪家的CU, 我就让我的client直接找它
家去做. Thanks

【在 L****n 的大作中提到】
: credit union. no point and fee. 几周前给我们的rate,我们在几周前open
: escrow 的时候已经lock 了,还需要什么lock confirmation 吗?

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m*g
11
ARM是浮动利率,就是说10年以后会很高。那我可不可以再REFINANCE 呢
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s*d
12
这么爽!!!
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rh
13
这个too good to be true吧
哪家lender?

【在 k******5 的大作中提到】
: CA Purchase Loan 600K
: 30 years fixed
: 4% with $2000 credit towards to closing cost

avatar
x*e
14
今天低,今天我的LENDER也说可以做到3.875% - 4%。不过我还没有找到房子。。。。

【在 k******5 的大作中提到】
: CA Purchase Loan 600K
: 30 years fixed
: 4% with $2000 credit towards to closing cost

avatar
s*y
15
I think it's good.
I also got a quote at 4% for 30yrs fix, but my loan amount is only 400k.

【在 k******5 的大作中提到】
: CA Purchase Loan 600K
: 30 years fixed
: 4% with $2000 credit towards to closing cost

avatar
k*5
16
Sorry forgot to mention.The closing cost is around $8500, so it will be 4%
with $6500 closing cost.
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o*p
17
LTV低的话,我们5/1 很好。

【在 L****n 的大作中提到】
: 搭车问一下, 我找的可以提供10年arm, 3.12% rate. 南加州,贷款50万。这个如何
avatar
o*p
20
冭时,说lock, 但并没有。
http://www.mitbbs.com/club_bbsdoc/SoCalMortgageRealty.html

【在 L****n 的大作中提到】
: credit union. no point and fee. 几周前给我们的rate,我们在几周前open
: escrow 的时候已经lock 了,还需要什么lock confirmation 吗?

avatar
o*p
23
仅指说了锁,但还没有close.

【在 L****n 的大作中提到】
: orange county credit union.
: 我们都close escrow了,应该不用lock confirmation了吧

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