Chase Jumbo loan, 30y 2.75% 的利率 还能更低吗？

信用记录 780+ 湾区

求介绍agent

求介绍agent
oldbear1 发表于 2021-06-28 21:10

同求介绍，谢谢

求介绍agent
oldbear1 发表于 2021-06-28 21:10

直接去银行branch问的啊

我前两个月refinance的，2.625， no point no fee. Jumbo.

这玩意跟agent 还有关系吗？

求介绍agent
oldbear1 发表于 2021-06-28 21:10

https://homelendingadvisor.chase.com/az/phoenix/1820-e-sky-harbor-circle-s-HLA-1367333

可以联系我看看 其他lender的

我前两个月refinance的，2.625， no point no fee. Jumbo.
lianzi 发表于 2021-06-28 21:20

羡慕嫉妒恨啊

挺好嗒。。。。

我们如果可以放DEPOSITS 的话，7arm可以2.375，JUMBO LOAN REFINANCE

在fixed rate 这么低的情况下，为啥还要ARM? 这是觉得几年后利率更低？

为什么我朋友2015年就能贷到2.5%？15年jumbo。

在fixed rate 这么低的情况下，为啥还要ARM? 这是觉得几年后利率更低？
Summer_Breeze 发表于 2021-06-28 23:59

几年后卖房。

只报利率不报LTV的都没有意义。 楼主的LTV肯定小于70%，说不定只有50% jumbo能做到那么低的LTV，要么就是买了几年了要么就是首付很多， 未必很多今年或者去年刚买的都能qualify的。

回复 13楼公用马甲5的帖子
15fixed本来就比30fixed低
大额贷款30fix肯定是利率最高的，因为数额大时间长所以风险高啊

我最近问到的jumbo, 30年，2.875%， 我还要花2700块钱买点数

在fixed rate 这么低的情况下，为啥还要ARM? 这是觉得几年后利率更低？
Summer_Breeze 发表于 2021-06-28 23:59

arm around 2.125%. For a $2M loan, 0.625% rate difference is still a lot of money on the table. So many people do go with arm. In the future, they may sell, they may refinance to another arm which probably is still not higher than 2.75% (or not much higher), and in the worst case (rate goes up and they intend to keep the house), they very likely have the cash to pay down the mortgage significantly so the rate doesn't matter too much anymore.

Jumbo no cost refi不转移资产，最好可以做到5arm 2.375%。需要的可以私信我，仅限湾区

回复 13楼公用马甲5的帖子
15fixed本来就比30fixed低
大额贷款30fix肯定是利率最高的，因为数额大时间长所以风险高啊
生如夏花 发表于 2021-06-29 00:12

对 但是2015年不应该比现在利率高很多吗？现在15年jumbo loan有2.5%的吗？

只报利率不报LTV的都没有意义。 楼主的LTV肯定小于70%，说不定只有50% jumbo能做到那么低的LTV，要么就是买了几年了要么就是首付很多， 未必很多今年或者去年刚买的都能qualify的。
生如夏花 发表于 2021-06-29 00:10

有道理 不是jumbo， 30年， 2.5， LTV 50%

回复 1楼doge2moon的帖子
借帖子求refi利率，lvt <60%（appraisal的价钱是不是比redfin/Zillow低不少？），conforming loan，信用分760+

appraisal的价钱是不是比redfin/Zillow低不少？
同问，最近Zillow涨得挺多的，LVT自己真不好估计

回复 1楼doge2moon的帖子
借帖子求refi利率，lvt <60%（appraisal的价钱是不是比redfin/Zillow低不少？），conforming loan，信用分760+
goodluckall 发表于 2021-06-29 02:12

30y fixed在2.75%的样子 有兴趣可以私信我

refer my loan agent, works in the big bank and has very good jumbo purchase rate. her tel: 408-310-3510

arm around 2.125%. For a $2M loan, 0.625% rate difference is still a lot of money on the table. So many people do go with arm. In the future, they may sell, they may refinance to another arm which probably is still not higher than 2.75% (or not much higher), and in the worst case (rate goes up and they intend to keep the house), they very likely have the cash to pay down the mortgage significantly so the rate doesn't matter too much anymore.
anye 发表于 2021-06-29 00:52

2.125% without deposit requirement? Would you mind sharing which lender that is? Thanks!

回复 5楼lianzi的帖子
hi, can you DM me your agent's contact info? Many thanks! Sorry can't type Chinese at the moment.

Jumbo no cost refi不转移资产，最好可以做到5arm 2.375%。需要的可以私信我，仅限湾区
shuixiu1 发表于 2021-06-29 01:03

Could the rate be lower with deposit? If so, please DM me your contact info.

这个利率根本就是羊毛出自羊身上 低利率的closing fee高，跟保险的deductible一个意思