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发信人: mt (mt), 信区: Seattle
标 题: 赶快refinance以免Fannie, Freddie fee rise from payroll tax
发信站: BBS 未名空间站 (Sun Jan 8 04:01:22 2012, 美东)
For details on the increase of guarantee fees on Fannie Mae and Freddie Mac
to cover the cost of the extension of payroll tax deduction, visit：story/fannie-freddie-fee-rise-from-payroll-tax-set-2011-12-29，
webfiles/22982/GFEESTMT122911F.pdf
Note although the starting date is 4/1/2012, lenders will need to impose
fees much earlier because it will take a long time to close loans and sell
them to Fannie Mae or Freddie Mac.
10 base points more guarantee fees means that the interest rate is 0.1%
higher.
Here is an example for how a loan's rate can be affected:
Primary residence, single family house, 30-year fixed, loan amount of $400,
000, house's value of at least $667,000, credit score of at least 740
without no special situations, currently the borrower can get: 3.75% wihout
cost, plus about $1100 extra credit to be applied to the prepaid interes and
tax/insurance reserves. But with the new guarantee fees, the borrower's
rate would be about 3.85% if the mortgage market remains the same.
看到一家银行刚刚推出调整利息的细则：1月10日前锁利息的并且在2月17日前Funding
的，不受新的收费影响。大部分银行还未发布相应的调整细则。
现在fixed-rate的房贷利息创历史新低。想refinance的请赶紧申请呀。
如果想要Quote，请提供以下信息：
1. Loan amount, estimated property value,term (such as 30-year fixed)
2. Property type (primary residence or condo). Primary residence, investment
property, or second home.
3. Estimated credit scores. Scores of at least 740 usually can get the best
rates.
4. Any special situations such as short period of employment and credit
history in USA, has never filed tax return yet, unemployment gap, collection
and disputes.
有意refinance者，请联系（206-816-5814，m.he.finance@gmail.com).
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※ 来源:·WWW 未名空间站 海外: mitbbs.com 中国: mitbbs.cn·[FROM: 75.145.]
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