【在 G**P 的大作中提到】 : It is purchase, not refinance. : Since I plan to stay in the property for at least 5 years, the closing cost : that I paid today will be paid off by then.
d*w
21 楼
4.75% is too high for refinance now bah. My agent just told me he can do 4. 625 no closing cost today, I'm still thinking if I should wait..... (I'm the one who just refinanced for 4.875 a month ago.)
If you think it is good enough for you, lock it. If you want to gamble with the market, wait... For me I think 4.5% is good enough, so I locked it even there is still downside in the Market.
the
【在 d**w 的大作中提到】 : 4.75% is too high for refinance now bah. My agent just told me he can do 4. : 625 no closing cost today, I'm still thinking if I should wait..... (I'm the : one who just refinanced for 4.875 a month ago.)
b*d
23 楼
Whether we can do 4.625% depends on quite a few factors, like loan amount, FICO scores, etc... If refinance can lower your rate by at least 0.25%, then it is worth doing it.
the
【在 d**w 的大作中提到】 : 4.75% is too high for refinance now bah. My agent just told me he can do 4. : 625 no closing cost today, I'm still thinking if I should wait..... (I'm the : one who just refinanced for 4.875 a month ago.)
d*w
24 楼
对,我的loan agent就是说要降至少。25才可以再做,因为和上次refi时间离得很近。 我的loan amount is 417 exact ah, hehe. And very good FICO scores lah.
then
【在 b*d 的大作中提到】 : Whether we can do 4.625% depends on quite a few factors, like loan amount, : FICO scores, etc... If refinance can lower your rate by at least 0.25%, then : it is worth doing it. : : the
a*n
25 楼
不知兄弟在哪里,要是在加州purchasing loan 今天可以拿到30Years fixed, rate is 4.375%,no point
w*w
26 楼
居然这么低了。。。晕。。。
rate
【在 a*********n 的大作中提到】 : 不知兄弟在哪里,要是在加州purchasing loan 今天可以拿到30Years fixed, rate : is 4.375%,no point
h*y
27 楼
嘛呀,现在利率真是低啊
rate
【在 a*********n 的大作中提到】 : 不知兄弟在哪里,要是在加州purchasing loan 今天可以拿到30Years fixed, rate : is 4.375%,no point
b*d
28 楼
4.375%要有条件的,比方说40%以上downpayment, 还要Impound,etc...
rate
【在 a*********n 的大作中提到】 : 不知兄弟在哪里,要是在加州purchasing loan 今天可以拿到30Years fixed, rate : is 4.375%,no point
h*n
29 楼
这个包括了TITLE COMPANY的钱没啊?
【在 G**P 的大作中提到】 : FYI. : 400k loan, 30 year fixed, no point, around 3100 closing cost.
G*P
30 楼
The lender's title insurance is included but the owner's title insurance is not.