请教各位大佬,关于conventional mortgage 和 FHA mortgage的选择

Both of the offers are 30 yrs fixed rate, and  both loan amounts are $550,000, both downpayment are 5%;

(1) Conventional mortgage: rate 6.875%, mortgage insurance is 105;

(2) FHA mortgage: rate 6%, mortgage insuracne is 218;

 

Which offer is better? Or any other suggestion?

 

Many many thanks.

所有跟帖： 

• 选FHA，利率低。conventional loan 还有很多隐藏的莫名其妙垃圾费用，要小心。 -老朽- ♂ (0 bytes) () 07/17/2024 postreply 05:28:58

• 谢谢老朽大侠的回复, 想confirm一下, -吃着吃着就胖了- ♀ (530 bytes) () 07/17/2024 postreply 09:31:14

• 用贷款计算器算。10万贷款常规月供多316刀，乘系数是总差价。fha容许买家向卖家索要3%closing cost。 -IEbird- ♀ (0 bytes) () 07/17/2024 postreply 05:31:13

• 非常感谢您的热心帮忙，再好好想一想，主要是怕 -吃着吃着就胖了- ♀ (331 bytes) () 07/17/2024 postreply 09:34:30

• 没有refi 经验。一旦有了足够净值多数人都会refi 到常规贷款去贷款保险不应有难度。link- -IEbird- ♀ (386 bytes) () 07/17/2024 postreply 09:55:34

• +1, if LTV < 80%, refinancing to conventional is easy -jenning- ♂ (0 bytes) () 07/17/2024 postreply 12:06:58

• Thanks. -吃着吃着就胖了- ♀ (0 bytes) () 07/17/2024 postreply 23:22:39

• downpayment 5%就可以贷款？这是自住房？ -绣球花开- ♀ (0 bytes) () 07/17/2024 postreply 11:15:20

• Yes, -吃着吃着就胖了- ♀ (124 bytes) () 07/17/2024 postreply 23:22:18

• 我问了 一下chatgpt，说是可以refi fha loan，额外的要求可能是需要证明refi确实有利比如利率下降 -吃一堑长一智啊- ♀ (0 bytes) () 07/17/2024 postreply 11:36:58

• That's true if still refinancing to fha, -jenning- ♂ (65 bytes) () 07/17/2024 postreply 12:09:51

• 谢谢jenning！ -吃一堑长一智啊- ♀ (0 bytes) () 07/17/2024 postreply 14:35:18

• Thank you very much for the info. -吃着吃着就胖了- ♀ (0 bytes) () 07/17/2024 postreply 23:20:33

• FHA's PMI will always be there -jenning- ♂ (169 bytes) () 07/17/2024 postreply 12:17:16

• Thanks a lot Jenning, very helpful. -吃着吃着就胖了- ♀ (0 bytes) () 07/17/2024 postreply 23:20:00

• 羡慕利息6.85%。 我昨天得到的是8.5%，今天降了点儿，到8.125% -PeonyInJuly- ♀ (261 bytes) () 07/18/2024 postreply 23:19:56