 想到洛杉矶生活，带上一家人。请问先在美国注册家公司，拿到绿卡再买房合适？还是先买房比较合适？
另外再问下，中国身份先全款付清房款，再用已买的房子去抵押贷款50%，可以操作吗？
Below is a summary on mortgage rates as of 05/06/11**:
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*****Refinance Loan***** (no costs to borrower)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______4.625%__________4.000%_______3.
看见有网友提及尔湾 Irvine，也跟大家讲讲过去20+年，我所看到丶听到丶和经历过的，纯属我个人意见。顺便一提，本人在尔湾居住，工作和服务的市场也是专注尔湾和周边城市，所以对她可能有一些偏爱。 :p
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自1991年
欧罗猪国债务危机的阴影挥之不去，美国这边箱的投资人无法安宁，即使最新失业数据已回到2008年五月的水平，一些其他美国本土经济指标也比预期强劲，股市却依然疲莫能兴。礼拜二结束的联储局会议，没有暗示推出任何新的刺激经济方案，以及联储局局长向国会解释，美国不会也没能力出手“打救”欧盟，都令部分投资者失望。资金持续流向债券市场。
这对想要 refinance 的屋主却是大好消息！就连大额贷款 （ > $417,000）的利率也创出新低。
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今天利率如下 Below is a summary on mortgage rates as of 12/16/11**:
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*****Refinance Loan***** (no costs to borrower 不用付费丶买点)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______3.875%__________3.375%_______2.875%
APR_________3.875%__________3.375%_______2.875%
≤625K______4.000%__________3.375%_______3.500%
APR_________4.000%__________3.375%_______3.500%
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†Contact me on HARP II Refi, LTV >80% (or negative equity) and also on FHA loans.
房价跌了，没法做 Refi 怎么办？请来电咨询有关政府最新推出的 HARP II 计划，旨在帮助没办法符合一般 Refi 条件的屋主。
首付不够多，可以考虑有政府担保的FHA贷款，尤其是贷款保险费较低的15年计划。
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*****Purchase Loan***** (no point 不用买点)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______3.750%_________3.250%________2.750%
APR_________3.850%_________3.400%________2.850%
≤625K______3.875%_________3.250%________3.375%
APR_________3.975%_________3.400%________3.475%
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For more details and questions, please feel free to contact me.
欢迎查询贷款利率动态
Tel: 949.232.0828
Email: hkcharles@yahoo.com
DRE# 01363144
NMLS# 342799
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欢迎访问"言之有屋"，我的博客--Please visit my Blog
[url]http://hkmbb.blogspot.com/[/url]
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**Mortgage rates fluctuate daily. Certain requirements apply. Rate quote based on 15-day Lock, Owner-occupied Single Family Residence (SFR) in CA,Borrower FICO Score ≥740, Loan-to-value (LTV) ≤75%, Loan Amount ≥$380,000 for Conforming, ≥$480,000 for High Balance.
FHA loan 是政府资助，专门针对在买房时没办法支付２０％ down payment的贷款人。FHA loan 最低只要求３．５％的首付，但最大的缺点是要缴一个一次性的贷款保险费，而每月的房贷里也要缴一个贷款保费，１５年的贷款除外。正因为有这个例外，渐渐的很多客人在做 ｒｅｆｉ 的时候，特意选择FHA loan ，因为她“暗藏”了一个不为人知的特大好处（２％的被访者了解这一优点）－－FHA loan 是 “Ａｓｓｕｍａｂｌｅ”的，也就是说，哪天你卖房时，买家可以“接管”你没付完的FHA loan ，享有同等的利率。试想，５年后利率如果比现在的高２％，同样的房子，如果买家可以接管你的FHA loan ，而利率比市场低２％，那么你房子的吸引力就大大得增加了！
有兴趣的，请来电咨询。949.232.0828 Charles
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今天利率如下 Below is a summary on mortgage rates as of 11/18/11**:
.
*****Refinance Loan***** (no costs to borrower)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______4.000%__________3.375%_______2.875%
APR_________4.000%__________3.375%_______2.875%
≤625K______4.250%__________3.750%_______3.625%
APR_________4.250%__________3.750%_______3.625%
.
†Contact me on HARP II Refi, LTV >80% (or negative equity)
房价跌了，没法做 Refi 怎么办？请来电咨询有关政府最新推出的 HARP II 计划，旨在帮助没办法符合一般 Refi 条件的屋主。
.
*****Purchase Loan***** (no point)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______3.875%%________3.250%%_______2.750%
APR_________3.975%_________3.400%________2.850%
≤625K______4.000%_________3.500%________3.500%
APR_________4.100%_________3.650%________3.600%
.
For more details and questions, please feel free to contact me.
欢迎查询贷款利率动态
Tel: 949.232.0828
Email: hkcharles@yahoo.com
DRE# 01363144
NMLS# 342799
.
欢迎访问"言之有屋"，我的博客--Please visit my Blog
[url]http://hkmbb.blogspot.com/[/url]
.
**Mortgage rates fluctuate daily. Certain requirements apply. Rate quote based on 15-day Lock, Owner-occupied Single Family Residence (SFR) in CA,Borrower FICO Score ≥740, Loan-to-value (LTV) ≤75%, Loan Amount ≥$380,000 for Conforming, ≥$480,000 for High Balance.
Below is a summary on mortgage rates as of 07/15/11**:
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*****Refinance Loan***** (no costs to borrower)
Loan Amt__30Yr Fixed_____15Yr Fixed_____5/1 ARM
≤417K______4.500%__________3.750%_______3.
像2004-2006年时候的那种不查收入，甚至任君填写收入的贷款已经绝迹。取而代之的是一些“变向”不查收入的计划。其中的几个选择有1.以40%首付和比较高的利率换取免收入证明；2.以资产代替收入，比例大概为1：3，即每1
More news out of US showing growth is fragile and weakening...
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Initial unemployment claims increased to 383,000 last wk, ADP (known for its payroll services) private sector job survey shows 133,000
★Experienced Underwriter: Full understanding of Fannie Mae & Freddie Mac Guidelines.
★Experienced Loan Processor: Need a full time experienced loan processor that is knowledgeable with Encompa
★Experienced Underwriter: Full understanding of Fannie Mae & Freddie Mac Guidelines.
★Experienced Loan Processor: Need a full time experienced loan processor that is knowledgeable with Encompa
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