x*i
2 楼
看到他实在太可爱的躺在椅子上睡觉,麻麻我贱嗖嗖的亲了一口,然后又摸摸他额头,
悲剧瞬间发生了,额头还没摸完,他顺势抱着我的手,前爪死抱不放,嘴巴使劲的咬我
手背,后腿使劲蹬我胳膊~~现在我胳膊都花了~~一道一道又一道~~
我不得不同意LD的话了,我家咪真滴是猫中的神经病患者。。。。。。。。。。
悲剧瞬间发生了,额头还没摸完,他顺势抱着我的手,前爪死抱不放,嘴巴使劲的咬我
手背,后腿使劲蹬我胳膊~~现在我胳膊都花了~~一道一道又一道~~
我不得不同意LD的话了,我家咪真滴是猫中的神经病患者。。。。。。。。。。
l*9
3 楼
不是1% 降低0.25%吗?
l*y
4 楼
我家猫猫也是这样的,不知道有什么方法训练猫猫不咬人不挠人
s*s
6 楼
唔……我现在最怕的就是我家猫死命抱我手然后咬
每次都很紧张盯着他,见势不对就赶紧收手
每次都很紧张盯着他,见势不对就赶紧收手
l*9
7 楼
啥银行,我只问wells fargo? 其他银行更划算?买点数不是挺好的吗?不是说可以退
税吗?
我不懂,外行,只是很快要closing,贷款都还没申请,干着急。
税吗?
我不懂,外行,只是很快要closing,贷款都还没申请,干着急。
m*f
8 楼
我家猫小时候也这样, 一看势头不对就尖声大叫, 猫咪就松开了。 应该很有效。
r*d
9 楼
There is no such formula for you to get the fixed number for your question
because there are many factors will be involved such as:
house type, visa status, loan amount, impound or none impound (FICO and LTV
will not count for 15 yrs fix since it will not play important role),
lenders you choose, broker commission level set, the day you lock the rate..
...etc.
Give you an exmaple here,
If your house is SFR, Primary living, 400K loan amount, No impound, then you
might only need 0.375% point to get the rate lower from 2.75% to 2.625% for
best lender today in California. The other lenders might need 0.5 to 1
point to get the same.
You can do the calculations that what is the interest different for 0.125%
on the rate per year (A) and how much you need to pay for the point(B),
If A=B, means you will break it even in a year and the point can help you to
save some taxes, maybe it worth to do it, predicting the rate is going up.
If A<should not buy down the points since the rate might goes down some times and
you can always refinance.
【在 p****u 的大作中提到】
: 15year. Thank you.
because there are many factors will be involved such as:
house type, visa status, loan amount, impound or none impound (FICO and LTV
will not count for 15 yrs fix since it will not play important role),
lenders you choose, broker commission level set, the day you lock the rate..
...etc.
Give you an exmaple here,
If your house is SFR, Primary living, 400K loan amount, No impound, then you
might only need 0.375% point to get the rate lower from 2.75% to 2.625% for
best lender today in California. The other lenders might need 0.5 to 1
point to get the same.
You can do the calculations that what is the interest different for 0.125%
on the rate per year (A) and how much you need to pay for the point(B),
If A=B, means you will break it even in a year and the point can help you to
save some taxes, maybe it worth to do it, predicting the rate is going up.
If A<should not buy down the points since the rate might goes down some times and
you can always refinance.
【在 p****u 的大作中提到】
: 15year. Thank you.
F*7
10 楼
正常。我两只腿,还有胳膊,全是好了和还没好的口子。有的还是被小白指甲扎的眼。
不过一般都不重,过一段时间就好了。
猫高兴起来难免抓啊抓。
不过一般都不重,过一段时间就好了。
猫高兴起来难免抓啊抓。
A*4
19 楼
看看我那伤痕累累的胳膊,别人家的咪都是天使。。。
x*o
20 楼
我是来BSO的。 我家三个都是天使。 跟人玩的时候绝对不张嘴, 不伸指甲。
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