t*o
2 楼
可以
l*t
3 楼
可以搞arm5 只要2.75
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
s*o
4 楼
15 year fix, 3.2%
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
p*r
5 楼
Homebuyer traffic in 40 major U.S. markets in March was down about a third
from a year ago, according to a Credit Suisse index。
from a year ago, according to a Credit Suisse index。
p*r
6 楼
月付太高。
【在 s******o 的大作中提到】
: 15 year fix, 3.2%
【在 s******o 的大作中提到】
: 15 year fix, 3.2%
p*r
7 楼
万一你贷不了款了，你就麻烦了。
【在 l*****t 的大作中提到】
: 可以搞arm5 只要2.75
【在 l*****t 的大作中提到】
: 可以搞arm5 只要2.75
t*o
8 楼
你收入会涨的，你炒股水平高了盈利也提高了，
【在 p*********r 的大作中提到】
: 月付太高。
【在 p*********r 的大作中提到】
: 月付太高。
S*N
9 楼
转贷给我一部分吧，10%.
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
p*r
10 楼
two birds in the bush。
【在 t******o 的大作中提到】
: 你收入会涨的，你炒股水平高了盈利也提高了，
【在 t******o 的大作中提到】
: 你收入会涨的，你炒股水平高了盈利也提高了，
p*r
11 楼
那为什么大千他们那边都是4.125%，4.25%的呢？
【在 S*********N 的大作中提到】
:
: 转贷给我一部分吧，10%.
【在 S*********N 的大作中提到】
:
: 转贷给我一部分吧，10%.
t*o
12 楼
要敢于想象。
历史的经验告诉我们，要敢于想象
【在 p*********r 的大作中提到】
: two birds in the bush。
历史的经验告诉我们，要敢于想象
【在 p*********r 的大作中提到】
: two birds in the bush。
l*t
13 楼
不会。。五年后还清或者出手或者转租。。。
以大牛你炒股的水平。。。三年就可以pay。
off啦。。。
俺手里都没有30年级fix的loan。。。利息太高。。有俩个15年fix 2.75的。。
【在 p*********r 的大作中提到】
: 万一你贷不了款了，你就麻烦了。
以大牛你炒股的水平。。。三年就可以pay。
off啦。。。
俺手里都没有30年级fix的loan。。。利息太高。。有俩个15年fix 2.75的。。
【在 p*********r 的大作中提到】
: 万一你贷不了款了，你就麻烦了。
t*o
14 楼
re，以唠妹的水平，三年就可以pay off啦
【在 l*****t 的大作中提到】
: 不会。。五年后还清或者出手或者转租。。。
: 以大牛你炒股的水平。。。三年就可以pay。
: off啦。。。
: 俺手里都没有30年级fix的loan。。。利息太高。。有俩个15年fix 2.75的。。
【在 l*****t 的大作中提到】
: 不会。。五年后还清或者出手或者转租。。。
: 以大牛你炒股的水平。。。三年就可以pay。
: off啦。。。
: 俺手里都没有30年级fix的loan。。。利息太高。。有俩个15年fix 2.75的。。
S*N
15 楼
我需要贷款，等待敢吃螃蟹的贵人。
【在 p*********r 的大作中提到】
: 那为什么大千他们那边都是4.125%，4.25%的呢？
a*1
16 楼
如果15年月付太高，我会做5年ARM。因为利率不会涨的。5年内长的话美国会破产的，
大部分国债现在都是卖的短期。跟着国家不会错的。They know better.
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
大部分国债现在都是卖的短期。跟着国家不会错的。They know better.
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
t*s
17 楼
肯定偏高。
California average 4.16%
http://www.zillow.com/mortgage-rates/
当地银行比这一般高一档，也就是多 0.125%。
你是哪个银行？negotiate了么？
4.5% 应该能轻松拿下。 4.375% 应该不错。
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
California average 4.16%
http://www.zillow.com/mortgage-rates/
当地银行比这一般高一档，也就是多 0.125%。
你是哪个银行？negotiate了么？
4.5% 应该能轻松拿下。 4.375% 应该不错。
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
s*i
18 楼
The age of 3.125% is far gone. Wow.
[发表自未名空间手机版 - m.mitbbs.com]
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
[发表自未名空间手机版 - m.mitbbs.com]
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
r*e
19 楼
利率不会涨？我前年refinance 30年fixed 3.25%，今天已经平均4.5%左右了。
【在 a*****1 的大作中提到】
: 如果15年月付太高，我会做5年ARM。因为利率不会涨的。5年内长的话美国会破产的，
: 大部分国债现在都是卖的短期。跟着国家不会错的。They know better.
【在 a*****1 的大作中提到】
: 如果15年月付太高，我会做5年ARM。因为利率不会涨的。5年内长的话美国会破产的，
: 大部分国债现在都是卖的短期。跟着国家不会错的。They know better.
O*l
20 楼
尼玛 现在这么高了
p*r
21 楼
要加0.25%。
【在 t********s 的大作中提到】
: 肯定偏高。
: California average 4.16%
: http://www.zillow.com/mortgage-rates/
: 当地银行比这一般高一档，也就是多 0.125%。
: 你是哪个银行？negotiate了么？
: 4.5% 应该能轻松拿下。 4.375% 应该不错。
【在 t********s 的大作中提到】
: 肯定偏高。
: California average 4.16%
: http://www.zillow.com/mortgage-rates/
: 当地银行比这一般高一档，也就是多 0.125%。
: 你是哪个银行？negotiate了么？
: 4.5% 应该能轻松拿下。 4.375% 应该不错。
i*2
22 楼
我觉得有点偏高了，那个银行的rate？
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
p*r
23 楼
谁知道，据说是approved lender。
先拿下，明年Refi。
【在 i****2 的大作中提到】
: 我觉得有点偏高了，那个银行的rate？
先拿下，明年Refi。
【在 i****2 的大作中提到】
: 我觉得有点偏高了，那个银行的rate？
p*r
24 楼
去年美国银行Refi，给我3.75%，lock了90天。
刚刚lock住，10年国债利息暴涨，美国银行没有毁约。
刚刚lock住，10年国债利息暴涨，美国银行没有毁约。
i*2
25 楼
所以说lock很重要，
这个网站的利率可以做参考 www.bankrate.com
一般小的lender利率会低一些，不过不能lock很久
【在 p*********r 的大作中提到】
: 去年美国银行Refi，给我3.75%，lock了90天。
: 刚刚lock住，10年国债利息暴涨，美国银行没有毁约。
这个网站的利率可以做参考 www.bankrate.com
一般小的lender利率会低一些，不过不能lock很久
【在 p*********r 的大作中提到】
: 去年美国银行Refi，给我3.75%，lock了90天。
: 刚刚lock住，10年国债利息暴涨，美国银行没有毁约。
A*P
26 楼
我们锁了个4.125%。。加州
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
p*r
27 楼
如果是别墅，自住的话，可以拿到这个利息，或者4.25%。
【在 A**P 的大作中提到】
: 我们锁了个4.125%。。加州
【在 A**P 的大作中提到】
: 我们锁了个4.125%。。加州
l*t
28 楼
赞非自助。。。
【在 p*********r 的大作中提到】
: 如果是别墅，自住的话，可以拿到这个利息，或者4.25%。
【在 p*********r 的大作中提到】
: 如果是别墅，自住的话，可以拿到这个利息，或者4.25%。
F*3
29 楼
Re
【在 l*****t 的大作中提到】
: 可以搞arm5 只要2.75
【在 l*****t 的大作中提到】
: 可以搞arm5 只要2.75
a*8
30 楼
高了点，还会涨
a*1
31 楼
从金融股和固定收入股的表现看，利率不会涨的。
要不然人们就Long金融股，Short固定收入股了。现在是反的。
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
要不然人们就Long金融股，Short固定收入股了。现在是反的。
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
F*3
32 楼
关于利率
V*n
33 楼
why bother to ask since you already locked?
it should be cheaper if you look back one year from now
but it was 3.5% a year ago
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
it should be cheaper if you look back one year from now
but it was 3.5% a year ago
【在 p*********r 的大作中提到】
: 30年固定，4.625%，no point no fee，还可以吗？
: 刚刚lock。
t*u
34 楼
看看下面从John Maultin本周news letter中摘的一段。如果是我，我会5/1ARM，然后
择机re-finance。他的最后rate 2.75%，比你每10万每年少付1875。当然，我会做好5
年内利率大涨的准备。——那个是小概率事件，一旦发生，说明这个投资根本就是失败
，现在就不该买。
你只是Lock，还有机会反悔。——既然赌1、2年内有refinance机会，何不赌大点。前
提是worst case结果能接受。
An ARM and a Leg
But then came the time to get a takeout mortgage. Joe had lent me the total
amount at 3.75% for one year.
It soon became apparent I would get only a 70% loan, which would basically
take me out of the construction loans. I got lucky in that the appraisals
turned out higher than my cost basis, as values have actually moved up.
First feelers were not encouraging, so I began to shop.
I wanted a 5-year adjustable-rate mortgage (ARM) with a 30-year
amortization. My feeling is that there will be a recession within the next
five years (if we do not have one, it will be the longest span on record
with no recession in the US) and that rates will once more go way down –
and I can then lock in whatever I want, probably a 15-year fixed, at that
time. My risk is that we may never again see rates as low as they are today,
but that is a chance I am prepared to take. (I really do eat my own “
cooking.”)
Two personal connections turned up offers in the 4.5% range. Ron was
beginning to get feelers in the high 3% range. I called my broker at JP
Morgan (more below), and Travis Moss in his office went to work and got me
an offer for the 5-year ARM at 2.875%; but it was not clear they could
actually do the deal, as high-rise financing is complicated in Texas. About
that time, my regular bank, Capital One, changed loan officers. The new guy
gave me a courtesy call; and upon finding that I needed a mortgage, he
jumped into the process. Rather than a loan that they would securitize, they
were looking for a loan to put on the books. They matched the JP Morgan
offer and really dropped the closing costs. No points, etc. I sheepishly
told Travis (who is a friend) that I was getting a better offer, and within
a day he had matched it. We decided to go with JP Morgan, as that is where I
am going to do my yen hedge, but it was hard to turn down Clinton Coe from
Capital One. He really wanted that loan. When we had our crisis in Texas
back in the early ’90s, we “lost” our banks to national banks and lost a
lot of that personal touch I had known for the first part of my career. It
is nice to see bankers like that again in Texas.
I signed the closing papers and had literally just stood up from the table
when I took a call from the banker at Capital One, offering to cut the rate
to 2.75% and axe a few other costs as well. WOW. Now, in Texas you can
cancel a loan commitment for up to three days. I was tempted for a minute,
but decided that because I had told Travis I would do the deal, I was not
willing to take that back. But I did call Travis and tell him what had
happened, joking about it. He said “wait a minute.” He hung up, then
quickly called me back and said, “We will match it. Go cancel your loan.”
When was the last time your banker tore up your loan and then lowered the
rate for you five minutes after you signed the deal?
So I rescinded the first loan and then had to wait another 30 days (the
rules) but finally closed on the way to the airport to come to Amsterdam.
择机re-finance。他的最后rate 2.75%，比你每10万每年少付1875。当然，我会做好5
年内利率大涨的准备。——那个是小概率事件，一旦发生，说明这个投资根本就是失败
，现在就不该买。
你只是Lock，还有机会反悔。——既然赌1、2年内有refinance机会，何不赌大点。前
提是worst case结果能接受。
An ARM and a Leg
But then came the time to get a takeout mortgage. Joe had lent me the total
amount at 3.75% for one year.
It soon became apparent I would get only a 70% loan, which would basically
take me out of the construction loans. I got lucky in that the appraisals
turned out higher than my cost basis, as values have actually moved up.
First feelers were not encouraging, so I began to shop.
I wanted a 5-year adjustable-rate mortgage (ARM) with a 30-year
amortization. My feeling is that there will be a recession within the next
five years (if we do not have one, it will be the longest span on record
with no recession in the US) and that rates will once more go way down –
and I can then lock in whatever I want, probably a 15-year fixed, at that
time. My risk is that we may never again see rates as low as they are today,
but that is a chance I am prepared to take. (I really do eat my own “
cooking.”)
Two personal connections turned up offers in the 4.5% range. Ron was
beginning to get feelers in the high 3% range. I called my broker at JP
Morgan (more below), and Travis Moss in his office went to work and got me
an offer for the 5-year ARM at 2.875%; but it was not clear they could
actually do the deal, as high-rise financing is complicated in Texas. About
that time, my regular bank, Capital One, changed loan officers. The new guy
gave me a courtesy call; and upon finding that I needed a mortgage, he
jumped into the process. Rather than a loan that they would securitize, they
were looking for a loan to put on the books. They matched the JP Morgan
offer and really dropped the closing costs. No points, etc. I sheepishly
told Travis (who is a friend) that I was getting a better offer, and within
a day he had matched it. We decided to go with JP Morgan, as that is where I
am going to do my yen hedge, but it was hard to turn down Clinton Coe from
Capital One. He really wanted that loan. When we had our crisis in Texas
back in the early ’90s, we “lost” our banks to national banks and lost a
lot of that personal touch I had known for the first part of my career. It
is nice to see bankers like that again in Texas.
I signed the closing papers and had literally just stood up from the table
when I took a call from the banker at Capital One, offering to cut the rate
to 2.75% and axe a few other costs as well. WOW. Now, in Texas you can
cancel a loan commitment for up to three days. I was tempted for a minute,
but decided that because I had told Travis I would do the deal, I was not
willing to take that back. But I did call Travis and tell him what had
happened, joking about it. He said “wait a minute.” He hung up, then
quickly called me back and said, “We will match it. Go cancel your loan.”
When was the last time your banker tore up your loan and then lowered the
rate for you five minutes after you signed the deal?
So I rescinded the first loan and then had to wait another 30 days (the
rules) but finally closed on the way to the airport to come to Amsterdam.
p*r
35 楼
不要太贪了。
我是乘这房价高才买的房子，否则谁愿意贷款给我啊？
30年固定放心。
5
total
basically
【在 t***u 的大作中提到】
: 看看下面从John Maultin本周news letter中摘的一段。如果是我，我会5/1ARM，然后
: 择机re-finance。他的最后rate 2.75%，比你每10万每年少付1875。当然，我会做好5
: 年内利率大涨的准备。——那个是小概率事件，一旦发生，说明这个投资根本就是失败
: ，现在就不该买。
: 你只是Lock，还有机会反悔。——既然赌1、2年内有refinance机会，何不赌大点。前
: 提是worst case结果能接受。
: An ARM and a Leg
: But then came the time to get a takeout mortgage. Joe had lent me the total
: amount at 3.75% for one year.
: It soon became apparent I would get only a 70% loan, which would basically
我是乘这房价高才买的房子，否则谁愿意贷款给我啊？
30年固定放心。
5
total
basically
【在 t***u 的大作中提到】
: 看看下面从John Maultin本周news letter中摘的一段。如果是我，我会5/1ARM，然后
: 择机re-finance。他的最后rate 2.75%，比你每10万每年少付1875。当然，我会做好5
: 年内利率大涨的准备。——那个是小概率事件，一旦发生，说明这个投资根本就是失败
: ，现在就不该买。
: 你只是Lock，还有机会反悔。——既然赌1、2年内有refinance机会，何不赌大点。前
: 提是worst case结果能接受。
: An ARM and a Leg
: But then came the time to get a takeout mortgage. Joe had lent me the total
: amount at 3.75% for one year.
: It soon became apparent I would get only a 70% loan, which would basically
t*u
36 楼
这？没看懂。
是信用记录不够好？还是因为是投资房？投资房的话反正只要net cash flow是正的，
都好说。俺家的出租房5.25,refinance楞没人愿意做。NND
【在 p*********r 的大作中提到】
: 不要太贪了。
: 我是乘这房价高才买的房子，否则谁愿意贷款给我啊？
: 30年固定放心。
:
: 5
: total
: basically
是信用记录不够好？还是因为是投资房？投资房的话反正只要net cash flow是正的，
都好说。俺家的出租房5.25,refinance楞没人愿意做。NND
【在 p*********r 的大作中提到】
: 不要太贪了。
: 我是乘这房价高才买的房子，否则谁愿意贷款给我啊？
: 30年固定放心。
:
: 5
: total
: basically
p*r
37 楼
昨天问了bank of america，他们的利息只要4.25%。
不过月付差不太多。
不过月付差不太多。
h*a
38 楼
用过provident funding，利率挺低的。你查查
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