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最近把房子refinance了，又买了一栋更大的房子。

最近把房子refinance了，又买了一栋更大的房子。# Stock

j*52012-02-24 08:02

1 楼

房子是2005年买的，现在deeply under water.
但是用的是HARP refinance, 30 年 4.125% interest, no closing cost， no paper
work. feels like 2005 all over again.
谢谢大本,欧8。难怪古尸爹不下去呀。

k*82012-02-24 08:02

2 楼

恭喜

w*t2012-02-24 08:02

3 楼

"no paper work" ??, really?

paper

【在 j*****5 的大作中提到】

: 房子是2005年买的，现在deeply under water.
: 但是用的是HARP refinance, 30 年 4.125% interest, no closing cost， no paper
: work. feels like 2005 all over again.
: 谢谢大本,欧8。难怪古尸爹不下去呀。

B*t2012-02-24 08:02

4 楼

大本暗笑：好了，有人接盘了。。。

g*l2012-02-24 08:02

5 楼

不错，我现在住的以前就是个老中，赔钱卖了，人又去买个大的，将来再赚回来

s*d2012-02-24 08:02

6 楼

哪里？

paper

【在 j*****5 的大作中提到】

i*e2012-02-24 08:02

7 楼

大地主

m*i2012-02-24 08:02

8 楼

Double down?

paper

【在 j*****5 的大作中提到】

i*e2012-02-24 08:02

9 楼

跟炒股似的: 买在高处了,然后割肉,然后马上换股还上马金

【在 g***l 的大作中提到】

: 不错，我现在住的以前就是个老中，赔钱卖了，人又去买个大的，将来再赚回来

r*a2012-02-24 08:02

10 楼

这种房子，美国人一般都是直接走人吧。

paper

【在 j*****5 的大作中提到】

k*82012-02-24 08:02

11 楼

毁了信用不是什么好事啊

【在 r***a 的大作中提到】

: 这种房子，美国人一般都是直接走人吧。
:
: paper

g*l2012-02-24 08:02

12 楼

有啥不好，最多就是不买房吧

【在 k********8 的大作中提到】

: 毁了信用不是什么好事啊

j*52012-02-24 08:02

13 楼

这房子是在gated community. 2006 年人家花了73万买的，现在卖给我44万。

paper

【在 j*****5 的大作中提到】

j*52012-02-24 08:02

14 楼

要讲一次电话，签两次字。3 step HARP program from Wells Fargo.

【在 w******t 的大作中提到】

: "no paper work" ??, really?
:
: paper

m*i2012-02-24 08:02

15 楼

科普一下，什么是HARP program?

【在 j*****5 的大作中提到】

: 要讲一次电话，签两次字。3 step HARP program from Wells Fargo.

j*52012-02-24 08:02

16 楼

What is the Home Affordable Refinance Program (HARP)?
Announced in March 2009, HARP is a federal government program designed to
help 5 million underwater or near-underwater homeowners refinance into a
fixed loan with a lower monthly payment. However, as of Aug. 31, only 894,
000 borrowers have refinanced through HARP. On Oct. 24, 2011, President
Obama announced an overhaul to the HARP program with the intent of reaching
more underwater homeowners. The expanded HARP program - also referred to as
HARP 2.0 - will take effect on December 1, 2011 for borrowers with a loan-to
-value ratio of less than 125 percent and in the first quarter of 2012 for
borrowers with a loan-to-value ratio of greater than 125 percent.

m*i2012-02-24 08:02

17 楼

thanks.
What is the safe guard for loan to value over 125%?
I hope it's not subprime all over again.

reaching
as
to

【在 j*****5 的大作中提到】

: What is the Home Affordable Refinance Program (HARP)?
: Announced in March 2009, HARP is a federal government program designed to
: help 5 million underwater or near-underwater homeowners refinance into a
: fixed loan with a lower monthly payment. However, as of Aug. 31, only 894,
: 000 borrowers have refinanced through HARP. On Oct. 24, 2011, President
: Obama announced an overhaul to the HARP program with the intent of reaching
: more underwater homeowners. The expanded HARP program - also referred to as
: HARP 2.0 - will take effect on December 1, 2011 for borrowers with a loan-to
: -value ratio of less than 125 percent and in the first quarter of 2012 for
: borrowers with a loan-to-value ratio of greater than 125 percent.

j*52012-02-24 08:02

18 楼

No safe guard, the next thing is short sale, the final one is foreclosure.

【在 m*****i 的大作中提到】

: thanks.
: What is the safe guard for loan to value over 125%?
: I hope it's not subprime all over again.
:
: reaching
: as
: to