回复 1楼QQ.com的帖子 My agent quoted me 2.25% for 15 years and 2.75% for 30 years for amount the same financing amount, primary home not investment. Skyisthelimit 发表于 2021-02-22 14:21
if you don't live in that house in next 12 months, you can only apply investment property refi, doesn't matter it was primary or not. My investment property cash out refi is 3% with $200 lender credit, no point no fee.
cash out 的refinance比普通的refinance要高不少个point,这笔钱拿出来有把握长期投资超过5%，那就拿出来，否则不值得的 TeddybearBB 发表于 2021-02-22 15:28
I have 2 loan underwriting now, one is cash refi, the other is not. No big difference, only lender credit rate is slight higher, get $700 more lender credit.
if you don't live in that house in next 12 months, you can only apply investment property refi, doesn't matter it was primary or not. My investment property cash out refi is 3% with $200 lender credit, no point no fee. bear2012 发表于 2021-02-22 16:02
If the refi was done when it was primary. Several month later, after it is changed to investi property, how can the lender force you to do the refi again?
If the refi was done when it was primary. Several month later, after it is changed to investi property, how can the lender force you to do the refi again? 梦里一生 发表于 2021-02-22 16:07
$10K fine as loan fraud. Ask your lender agent to find it out, don't argue with me.
My agent quoted me 2.25% for 15 years and 2.75% for 30 years for amount the same financing amount, primary home not investment.
你的是要拿钱出来的refinance 吗？
这个利率是以前lock的吧？否则太好了。
if you don't live in that house in next 12 months, you can only apply investment property refi, doesn't matter it was primary or not. My investment property cash out refi is 3% with $200 lender credit, no point no fee.
I have 2 loan underwriting now, one is cash refi, the other is not. No big difference, only lender credit rate is slight higher, get $700 more lender credit.
If the refi was done when it was primary. Several month later, after it is changed to investi property, how can the lender force you to do the refi again?
$10K fine as loan fraud. Ask your lender agent to find it out, don't argue with me.
谢谢给的信息，现在的时间点很麻烦，不知道房子什么时候才买到手，但是如果现在不拿钱出来准备着，看到合适的房子也买不下来。现在的利率涨起来了，再等下去也不知道是怎么回事了。