如何shop for mortgage? - 海外工作

Mia avatar
By Mia
at 2010-04-12T03:44

Table of Contents

今天拿到原本pre-approved銀行的quote

20% downpayment
75% 5/1 ARM 4% no point
5% 2nd mortgage 20yr fixed 7.74% no point

可能是如果是80%都是1st mortgage, interest rate會高上去
可是2nd mortgage不能抵稅
想去問一下80% 1st mortgage會是怎樣
再算算看

不知道有沒有人拿過像這樣兩個mortgage的quote?
麻煩分享比較一下
謝謝~


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All Comments

Barb Cronin avatar
By Barb Cronin
at 2010-04-14T02:12
2nd mortgage一樣可以tax deductible
Iris avatar
By Iris
at 2010-04-17T15:47
結果問了可以1st 80%一樣利率 不知道為什麼要這樣算...
Kyle avatar
By Kyle
at 2010-04-18T09:26
仔細看了closing costs發現80%要一樣的rate要1point
Lauren avatar
By Lauren
at 2010-04-20T14:16
你的房子是condo/townhome嗎? 有時候lender只肯借75%
Edward Lewis avatar
By Edward Lewis
at 2010-04-21T12:30
沒錯是condo 剛剛跟另一個loan officer談 condo一定要75%
不然就是rate會提高或要用point buy down 說是跟formula
Poppy avatar
By Poppy
at 2010-04-25T12:05
有關 所以不管找什麼lender都有這樣的差異
Rosalind avatar
By Rosalind
at 2010-04-28T16:08
那就再生出5%的本金,或是忍受高利息,優先還清;反正都能抵稅
Aaliyah avatar
By Aaliyah
at 2010-05-01T11:35
以後401k/IRA也先少放,優先把高利息的2nd loan壓低/還清
Steve avatar
By Steve
at 2010-05-02T06:41
除非要住很多年,否則point buydown划不來;就先兩個loan吧
Harry avatar
By Harry
at 2010-05-04T03:56
0.125-0.25 第二個快8%很嚇人阿 可能在台灣貸那5%本金都划
Candice avatar
By Candice
at 2010-05-07T13:51
少打一行...要先說的是75%跟80%的interest rate大概差
Callum avatar
By Callum
at 2010-05-09T07:07
第二個loan金額很小,利息高也還好,一兩年不存401k就還清了

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