如果您正处于事业上升期收入不是很高，正为是否凑齐房贷首付款而犯愁，以下信息或许能给您带来一个购买自住房的契机: 旗舰贷款的长期合作银行最近推出的首付款资助额最高4000美元的低首付贷款项目（限时资助有效期至3/31/2024），首付只需付房产成交价的3% ，其中买家只出1%，银行资助2% 或者最多4000美元（按两者中少的金额资助）。房屋借款人需要满足的主要条件如下： 报税收入需要低于当地平均家庭收入的80% 第一次购买自住房 仅限于购买1个单元的房子。 满足查收入的常规贷款基本条件（CONVENTIONAL LOAN） 详细情况请联系旗舰贷款公司经纪人 YAN GUO。 Flagship Lending © 2024
5/1/23开始，常规房贷(CONVENTIONAL LOAN)开始实行新规则。在旧的贷款条例里，基本上是首付比例越高，相应的拿到的利率也会越低。首付20%后，就不需要贷款保险(Mortgage Insurance)，因此首付20% 一直是我们华人贷款者的标配。新规则有如下调整（以自住房为例）： 在首付5%-20%之间，首付5%，10%的利率会稍微低于首付15%，20%的利率，在首付20%以下这一档里，首付越高利率微高。 当首付超过25%，还是首付越高利率越低。 旧版里信用分高于740分就会拿到相对最优惠的利率。新版里信用分780以上可以拿到更为优惠的利率，信用分680-740和旧版比会利率相对稍微升高，信用分680分以下会得到相应稍微利率优惠。 当然还是信用分越高利率越低。 Credit Score Band for Pricing Adjustment Old Rule New Rule <620 ≤ 639 620-639 640-659 640-659 660 – 679 660 – 679 680 – 699 680 – 699 700 – …
As of May 28, 2020, the average 30-year term fixed rate mortgage rate reaches the lowest point in the past 30 years in US, according to most recent Federal Reserve (30年固定期平均按揭利率: 商业银行对私贷款款率), according to most recent Federal Reserve macroeconomic data (Source: https://fred.stlouisfed.org/series/MORTGAGE30US). The following graphs shows the trend of 30-Year term fixed rate mortgage rate since 1990, in …
As one probably already knows, Federal Reserve Bank recently set the federal benchmark rate to the range of 0-0.25% on March 16 in an effort to boost up the economy which faces an upcoming economic turmoil as a result of COVID-19 pandemic. As the federal benchmark rate is the fundamental interest rate US central bank …
Federal Benchmark Rate Drops to Near Zero. What about Mortgage Interest Rate? Read More »
This is a question clients have asked Flagship Lending from time to time. This short article is intended to shed some light on this topic. The quick answer is NO. The interest you’ve already paid has nothing to do with your decision whether to do the refinance or not. It is simply the price you …
Do I Waste Interest already Paid if I Refinance my Mortgage? Read More »
