y**u
发帖数: 2788 | 1 FYI. A townhouse in Chicago was bought half year ago.Interest rate was 5.375
% with 30 years term and 10% down. Refinancing offer is: 4.875% with 30 year
s term and no cost, no fee. Loan amount is 280K. |
a****o
发帖数: 484 | 2 没让你补到20％down?
375
year
【在 y**u 的大作中提到】
: FYI. A townhouse in Chicago was bought half year ago.Interest rate was 5.375
: % with 30 years term and 10% down. Refinancing offer is: 4.875% with 30 year
: s term and no cost, no fee. Loan amount is 280K.
|
e********t
发帖数: 397 | 3 Should try 5/1 or 7/1 ARM. I think we are heading Japanese route. We might
see 30 Fixed mortgage below 4%.
375
year
【在 y**u 的大作中提到】
: FYI. A townhouse in Chicago was bought half year ago.Interest rate was 5.375
: % with 30 years term and 10% down. Refinancing offer is: 4.875% with 30 year
: s term and no cost, no fee. Loan amount is 280K.
|
k***e
发帖数: 7933 | 4 我刚刚refi了5/1 ARM, 3.5%, no cost
ARM还是挺担心的。。。
【在 e********t 的大作中提到】
: Should try 5/1 or 7/1 ARM. I think we are heading Japanese route. We might
: see 30 Fixed mortgage below 4%.
:
: 375
: year
|
t**s
发帖数: 1393 | 5
loan is not so big, 还不如直接上 15 year @ 4%? 除非谁肯定数年后离开。
【在 e********t 的大作中提到】
: Should try 5/1 or 7/1 ARM. I think we are heading Japanese route. We might
: see 30 Fixed mortgage below 4%.
:
: 375
: year
|
y**u
发帖数: 2788 | 6 补了。
【在 a****o 的大作中提到】
: 没让你补到20％down?
:
: 375
: year
|
y**u
发帖数: 2788 | 7 At that time, we can do refinancing again.
【在 e********t 的大作中提到】
: Should try 5/1 or 7/1 ARM. I think we are heading Japanese route. We might
: see 30 Fixed mortgage below 4%.
:
: 375
: year
|
e********t
发帖数: 397 | 8 what is the 5 year arm rate and 30 fixed rate now?
【在 y**u 的大作中提到】
: At that time, we can do refinancing again.
|
b*d
发帖数: 9308 | 9 Yes,that's exactly the point of doing refinance without any cost.
【在 y**u 的大作中提到】
: At that time, we can do refinancing again.
|
e********t
发帖数: 397 | 10 The point is, if you knew the rate will go lower or stay low, you should go
with the lowest interest rate, which is ARM, not the 30 year fixed.
【在 b*d 的大作中提到】
: Yes,that's exactly the point of doing refinance without any cost.
|
|
|
b*d
发帖数: 9308 | 11 The other reason of choosing ARM is because you know you are going to move
or upgrade in the next 5/7 years.
go
【在 e********t 的大作中提到】
: The point is, if you knew the rate will go lower or stay low, you should go
: with the lowest interest rate, which is ARM, not the 30 year fixed.
|
e********t
发帖数: 397 | 12 五月份的讨论。
【在 e********t 的大作中提到】
: Should try 5/1 or 7/1 ARM. I think we are heading Japanese route. We might
: see 30 Fixed mortgage below 4%.
:
: 375
: year
|
d******n
发帖数: 2712 | 13 看来如果不是中部的rate高，就算那里的cost高。 |
a********6
发帖数: 118 | 14 right, but nobody know exactly the trend, 5/1 has more chance to bear a
higher rate in the future compare with the possibility of refinance for
lower rate as Fed floods so many green bills...
go
【在 e********t 的大作中提到】
: The point is, if you knew the rate will go lower or stay low, you should go
: with the lowest interest rate, which is ARM, not the 30 year fixed.
|
b*d
发帖数: 9308 | 15 Exactly, we all know that the rate is at historical low, and this trend
shouldn't last long. The rate after 5 years has a very high chance of double
what is is right now.
【在 a********6 的大作中提到】
: right, but nobody know exactly the trend, 5/1 has more chance to bear a
: higher rate in the future compare with the possibility of refinance for
: lower rate as Fed floods so many green bills...
:
: go
|
e********t
发帖数: 397 | 16 Well, this has been said for over ten years now...
What we know is that 30year fixed is a sucker for 10 years.
【在 a********6 的大作中提到】
: right, but nobody know exactly the trend, 5/1 has more chance to bear a
: higher rate in the future compare with the possibility of refinance for
: lower rate as Fed floods so many green bills...
:
: go
|
w********u
发帖数: 545 | 17 谁现在知道VA的refinance 15 fixed no cost 能拿多少？可能 3.75%吗？ |
b*d
发帖数: 9308 | 18 上个星期可以，这个星期涨到了3.875%。
【在 w********u 的大作中提到】
: 谁现在知道VA的refinance 15 fixed no cost 能拿多少？可能 3.75%吗？
|
