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枫下茶话 / 美国话题 / 提醒一下，mortgage rates又降了，刚refinance 4.375%， 15 yr fixed, no closing cost.
-transformers(Transformers);
2009-9-11
(#5542827@0)
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no closing cost? 就是可以随便refinance? 不用花钱? 你是哪家银行?
-tonyhao(tonyhao);
2009-9-16
(#5550930@0)
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是啊。每过三个月就可以refinance。这个是我第三次refinance了，每次签一大堆文件而已。rate从最早的6%到现在的4.375%.找的broker,他们负责找最低的银行。我也搞不清楚这种搞法银行怎么能赚钱。
-transformers(Transformers);
2009-9-16
(#5551265@0)
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Is there any penality for refinance?
-hkchan(0);
2009-9-16
(#5551647@0)
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No.
-oopp(ops);
2009-9-16
(#5551897@0)
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最低三个月才能refinance?
-tonyhao(tonyhao);
2009-9-16
(#5553469@0)
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能否告知broker 或银行的名字？ 我的利率太高了急须换银行。谢谢！
-aliceyaya(sony);
2009-9-17
(#5555236@0)
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他们都是只做本州生意的。你是北卡的我就告诉你。
-transformers(Transformers);
2009-9-17
(#5555357@0)
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麻烦你告诉我吧，我在北卡。我的RATE是5.15， 几个月刚买的房，30年FIXED MORTGAGE。
多谢了！
-summer224318(cadragonca);
2009-9-18
(#5557001@0)
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PM'd. 告诉她变形金刚介绍的。
-transformers(Transformers);
2009-9-18
(#5557049@0)
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每过三个月是什么意思?
-tonyhao(tonyhao);
2009-9-25
(#5569738@0)
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I am just thinking, even though there is no closing cost, still, refinancing too often is not always good--you might pay more interest since every time you had to restart your term-30 years,and most of your payment is interest for the first 5 years. Calculate a bit if the rate difference is not too much. It is my sense, havent' proved it with calculation though.
-xiaoxiuliang(xiaoxiu);
2009-9-18
{176}
(#5557227@0)
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错
-transformers(Transformers);
2009-9-19
(#5558927@0)
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Could you please tell me your broker's name? I am at NC. Thanks a lot.
-houwazhubao(homemonster);
2009-9-19
(#5559211@0)
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请问如果是5/1 ARM 你的BROKER能给多少利率? 谢谢了! REFINANCE, 心里好有个底.
-xiaoxiuliang(xiaoxiu);
2009-9-20
(#5559820@0)
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直接到zillow上去问。很快就能得到答案。
-steve888(Steve曾经曰过);
2009-9-21
(#5562338@0)
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有没有BROKER玩猫腻的? 说出来给提个醒.
-tonyhao(tonyhao);
2009-9-20
(#5560103@0)
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summit mortgage bankers , rate for 15 yrs fix is 4.375%
-tonyhao(tonyhao);
2009-9-21
(#5562318@0)
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刚刚查了一下他们的网站, 发现是个小银行, 会不会有问题?
-tonyhao(tonyhao);
2009-9-21
(#5562425@0)
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有经验的大侠出个声啊
-tonyhao(tonyhao);
2009-9-22
(#5563177@0)