usually quarter higher.

Different market use diff strategy.

If the rate goes down, choose short term program to save money. And use no cost loans since you may need refi a couple of times.

If the rate goes up, choose longer term, you can pay points or fees if you plan to stay longer. Otherwise, it's about the same. No cost loans and 'you pay cost" loans have a break-even period of around 4 years(depends on the rate, loan amount or fees).

所有跟帖： 

• 很多低利率里好象都有trick.比如,除了每月付的mortgage外, -尘埃里开花- ♀ (79 bytes) () 10/05/2007 postreply 13:36:07

• 就是fees in APR, 不知道我理解的对不对 -尘埃里开花- ♀ (0 bytes) () 10/05/2007 postreply 13:42:54

• you are right. Sometimes APR will be lower after -CaLoanAgent- ♂ (125 bytes) () 10/05/2007 postreply 14:02:00