Urgent:马上要贷款,该选哪个？利率怎么样？选ingdirect Second home loan安全吗？

１００K loan:
Loan 1: closing cost: 1946$, Monthly pay:567$ rate:5.5%
Loan2: Closing cost:3196$ (buy point),monthly pay 552$, Rate:5.25%
Loan3: Closing cost:4696$,monthly pay 536$ Rate:5%
The above loans are from local loan broker, the loan is for investment property.
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Loan 4: ingdirect has orange mortgage for second home. The house I am buying is 40 to 50 miles from my primary home. Ingdirect might be able to approve as a second home. If approved, it will be 5 year or 7 year adjustable (ARM). Rate for 5 year ARM is 3.875%, 7 year ARM is 4.125%. Closing cost will be approximately 3000$. But what happen is they find out it's a rental property later? Do they check home insurance and see rental policy and will find out it's a rental instead of owner-occupied?

多谢大家的意见！

所有跟帖： 

• I would go with either Orange or Loan #1 -va_landlord- ♂ (435 bytes) () 01/05/2010 postreply 06:50:14

• agree. Low closing cost, or zero upfront is always good -sunskitehomes- ♂ (328 bytes) () 01/05/2010 postreply 07:14:59

• 我记得买点可以报税 -蠢蠢女孩- ♀ (77 bytes) () 01/05/2010 postreply 09:28:39

• 谢谢各位的及时回答。帮我理清了思路，谢谢 -逸然- ♀ (0 bytes) () 01/06/2010 postreply 05:17:53