房子贷款的一点心得

二周前签了一个买房合同，6月办手续。今天有空打了几个电话， 了解一些贷款的
事情。

There are big difference about the closing costs. The main difference is
lender fee and interest rate. The big banks charge more lender fee with a
higher interest rate. The cheapest lenders are from the internet.

I search: bankrate.com and yahoo-finance for fixed 15 year loan. The interest
rates vary from 2.875 to 3.25%. The lender fees vary from paying $1,995
to -$1,600.

 For example, I could get a rate of 2.875% without paying lender fee, or get  a
rate of  3% with a bonus of $1600.  Majority of banks charge 3% rate, but
you have to pay $500-2000 lender fees.

My suggestion is: search online first, then to call at least 3 lenders to
get a better rate.

Good luck!

所有跟帖： 

• Thanks for sharing. -qiaoshe- ♀ (0 bytes) () 05/04/2012 postreply 16:08:33

• 问个问题，second home 可以按自住屋贷款， 那third home and more home 是否也可以按自住屋贷款 -trimtip- ♂ (123 bytes) () 05/04/2012 postreply 16:34:06

• I do not knw if you can lie. The rate is slight higher for renta -Tianyazi- ♂ (0 bytes) () 05/04/2012 postreply 16:40:55

• lie? 50 mils 以上可以买second home 如果工作需要, 可美国工作是到处跑的，到一个地方就可以买房子自住 -trimtip- ♂ (153 bytes) () 05/04/2012 postreply 16:48:14

• no one cares the house you have bought. If move, you can buys as -Tianyazi- ♂ (0 bytes) () 05/04/2012 postreply 16:55:22

• 银行不管但是irs管，呵呵。 -美蓝海- ♀ (0 bytes) () 05/04/2012 postreply 19:24:03

• thanks for sharing. -hc29- ♀ (0 bytes) () 05/04/2012 postreply 19:32:42