[quote:12ebc1df45="MaximA_list"]
Делюсь. Washington Mutual. Хотя, естественно, не все так просто. Для того, чтобы получить closing costs that low, нужно.
1. Согласиться на automatic payment option - снижает на $200.
2. Иметь credit score > 740 - скидывают еще $400.
3. У меня нет escrow, поскольку соотношение loan/value около 60%.
4. Вместо полноценного appraisal использовали assessed value, с которой платится property tax.
[/quote:12ebc1df45]
OK. Cчитаем appraisal $300 и escrow $800. Таким образом Вы скинули $1,700. Ну чтож, поздравляю, красиво жить не запретишь. Все числа сходятся, проблем нет.
Согласен на 100% - cчитать нужно каждый раз. Нельзя клевать на "халяву" и нельзя отметать "no closing costs" как заведомый лохотрон.
Mortgage rates dropped again. Are you refinancing?
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GoodBuyAmerica
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sergeibob
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Mortgage rates set a new 36-year low
Bankrate.com Posts Weekly Mortgage Survey Results
Wednesday September 4, 5:25 pm ET
NEW YORK--(BUSINESS WIRE)--Sept. 4, 2002--Mortgage rates staged another sharp decline this week, reaching the lowest point yet in the great rate party of 2002.
Both fixed and adjustable rates declined in the latest Bankrate.com national survey of large lenders, establishing a new 36-year low. The benchmark 30-year fixed mortgage declined 13 basis points to 6.17 percent, eclipsing the previous low of 6.19 percent established the week of Aug. 14.
That's the lowest rate recorded since Bankrate began tracking mortgages in 1985. The last time rates were this low was May 1966, when FHA loans averaged 6 percent.
The low rates are sure to extend the 2002 refinancing boom. Rates on the 15-year fixed rate mortgage, popular for refinancing, also declined this week, falling from 5.73 percent to 5.62 percent. Rates on the 1-year ARM dropped 10 basis points to 4.56 percent. A basis point is one one-hundredth of one percent.
At these new levels, a 30-year fixed rate mortgage of $150,000 carries a monthly payment of just $915.79. Three months ago, with 30-year fixed rates at 6.76 percent, the monthly payment for the same loan was $973.89. The difference in monthly payment is $58.10, which amounts to nearly $21,000 over the length of the loan.
The low rates are another demonstration of the one-step-forward, three-steps-back economy, writes Laura Bruce of Bankrate.com. "We get a snippet of good news and it gets buried by another corporate scandal, the Japanese stock market tumbling or President Bush waving his fist at Iraq."
The experts surveyed by Bankrate for this week's Mortgage Rate Trend Index think that these low rates may stick around. More than three-quarters of the experts think rates will drop or remain about the same (plus or minus 2 basis points) over the next five weeks. That doesn't mean you should wait for rates to drop lower. Historically, when rates are below 6.5 percent, they don't stay there for long. And when they start rising, they might rise rapidly.
Wednesday September 4, 5:25 pm ET
NEW YORK--(BUSINESS WIRE)--Sept. 4, 2002--Mortgage rates staged another sharp decline this week, reaching the lowest point yet in the great rate party of 2002.
Both fixed and adjustable rates declined in the latest Bankrate.com national survey of large lenders, establishing a new 36-year low. The benchmark 30-year fixed mortgage declined 13 basis points to 6.17 percent, eclipsing the previous low of 6.19 percent established the week of Aug. 14.
That's the lowest rate recorded since Bankrate began tracking mortgages in 1985. The last time rates were this low was May 1966, when FHA loans averaged 6 percent.
The low rates are sure to extend the 2002 refinancing boom. Rates on the 15-year fixed rate mortgage, popular for refinancing, also declined this week, falling from 5.73 percent to 5.62 percent. Rates on the 1-year ARM dropped 10 basis points to 4.56 percent. A basis point is one one-hundredth of one percent.
At these new levels, a 30-year fixed rate mortgage of $150,000 carries a monthly payment of just $915.79. Three months ago, with 30-year fixed rates at 6.76 percent, the monthly payment for the same loan was $973.89. The difference in monthly payment is $58.10, which amounts to nearly $21,000 over the length of the loan.
The low rates are another demonstration of the one-step-forward, three-steps-back economy, writes Laura Bruce of Bankrate.com. "We get a snippet of good news and it gets buried by another corporate scandal, the Japanese stock market tumbling or President Bush waving his fist at Iraq."
The experts surveyed by Bankrate for this week's Mortgage Rate Trend Index think that these low rates may stick around. More than three-quarters of the experts think rates will drop or remain about the same (plus or minus 2 basis points) over the next five weeks. That doesn't mean you should wait for rates to drop lower. Historically, when rates are below 6.5 percent, they don't stay there for long. And when they start rising, they might rise rapidly.
Если я попался вам навстречу,
Значит, вам со мной не по пути.
(С) Алексей Романов
Значит, вам со мной не по пути.
(С) Алексей Романов