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            MORTGAGE BASICS

            Refinance

            Refinance Thumbnail

            當AG8手机客户端利率比你現在的貸款利率低2%時,通常是再融資的好時機. 這可能是一個可行的選擇,即使利率差只有1%或更少. Any reduction can trim your monthly mortgage payments. 例:如果不包括稅和保險,你在8點要為10萬美元的貸款支付大約770美元.5%; if the rate were lowered to 7.5%,你的支付是700美元,現在你每個月節省70美元. 你的儲蓄取決于你的收入、預算、貸款金額和利率變化. Your trusted lender can help you calculate your options.

            Most lenders charge fees to refinance a loan. So, if you plan to only stay in the property for a couple of years, your monthly savings may not accumulate to recoup these costs. Example: A lender charged $1,000 to refinance your loan that resulted in saving you $50 each month; it would take 20-months to recoup your initial costs. 一些貸方會對再融資貸款收取略高于平均利率的費用, but will waive all costs associated with the loan. This will depend on the interest rate on your current loan.

            Starting with an application fee for $250 - $350, 你可能需要支付一筆啟動費,通常是貸款金額的1%. 在大多數情況下,你將支付相同的成本,你與你當前的住房貸款為標題搜索, title insurance, lender fees, etc. The total sum could cost up to 2-3% of the loan amount. If you don’t have the funds to pay for associated loan costs, 你可以搜索提供“無成本”貸款的銀行,這將收取稍微高一些的利率.

            A point is a percentage of the loan amount, or 1-point = 1% of the loan, so one point on a $100,000 loan is $1,000. 積分是指需要支付給貸款人的成本,以獲得指定條款下的AG8手机客户端融資. 貼現點是通過預先支付部分利息來降低AG8手机客户端利率的費用. 貸款人可以參考以百分之一為基點的成本, 100 basis points = 1 point, or 1% of the loan amount.

            Yes, if you plan to stay in the property for a least a few years. 支付折扣點來降低貸款利率是一個很好的方法來降低你每月所需的貸款支付, 并可能增加你能負擔得起的貸款金額. However, if you plan to stay in the property for only a year or two, 你每月的儲蓄可能不足以補償你預先支付的折扣點的成本.

            從你申請貸款的那一天到你結束交易的那一天,AG8手机客户端利率都可能發生變化. 如果利率在申請過程中急劇上升,借款人的按揭還款可能會意外增加. Therefore, 貸方可以允許借方“鎖定”貸款利率,保證在指定的時間段內保持該利率, often 30-60 days, sometimes for a fee.

            It's unsure how interest rates will move at any given time, but your lender may estimate where interest rates are headed. If interest rates are expected to be volatile in the near future, 考慮鎖定你的利率可能是好的,因為它允許你有資格獲得貸款. Or, if your budget could handle a higher loan payment, or lender's lock fees, 你可能想讓利率“浮動”直到貸款結束.

            Even with poor credit getting a home loan is still possible. 貸方會認為你是一個有風險的借款人,為了補償這一點,他們會向你收取更高的利率, and expect a higher down payment usually 20%-50%. The worse your credit history is, the more you can expect to pay.

            Not necessarily, 如果你在過去一年中拖欠還款少于3次, and the payments were no more than 30-days late, 你仍然有機會獲得一個有競爭力的利率. 大多數貸款人會認為這是一種疾病, or job-change, but explanations are required.

            在選擇一家銀行時,有兩個重要的因素需要考慮:

            • Quality of Service -特別是對于首次購房者,他們對整個融資過程和可用的貸款選擇有很多疑問. 找一個你信任的有出色服務技能的借貸者會輕松地指導你的每一步, so ask questions, even before you fill-out an application.
            • Cost of Services -最好提前詢問潛在的貸款方他們的服務收費和相關費用. 他們應該能夠給你事實,幫助你通過融資過程,這樣你就會有信心,知道你選擇他們是一個好的決定.
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