It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. 这可能是一个可行的选择,即使利率差只有1%或更少. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. 你的储蓄取决于你的收入、预算、贷款金额和利率变化. Your trusted lender can help you calculate your options.


A point is a percentage of the loan amount, 或者1点=贷款的1%, 100美元加1分,000的贷款是1美元,000. Points are costs that need to be paid to a lender to get mortgage financing under specified terms. Discount points are fees used to lower the interest rate on a mortgage loan by paying some of this interest up-front. 出借方可能会以百分之一的基本点来表示成本, 100个基点= 1个点, 或者说贷款总额的1%.

Should I pay points to lower my interest rate?

Yes, if you plan to stay in the property for a least a few years. Paying discount points to lower the loan's interest rate is a good way to lower your required monthly loan payment, and possibly increase the loan amount that you can afford to borrow. 然而, if you plan to stay in the property for only a year or two, your monthly savings may not be enough to recoup the cost of the discount points that you paid up-front.


The annual percentage rate (APR) is an interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account points and other 信贷 costs. The APR allows bet9在线登录buyers to compare different types of mortgages based on the annual cost for each loan. The APR is designed to measure the "true cost of a loan." It creates a level playing field for lenders. It prevents lenders from advertising a low rate and hiding fees.

The APR does not affect your monthly payments. Your monthly payments are strictly a function of the interest rate and the length of the loan.

因为APR的计算受到贷方收取的各种不同费用的影响, a loan with a lower APR is not necessarily a better rate. 比较贷款的最好方法是 要求贷款人向你提供一个可靠的成本估算 相同类型的程序(e.g. 30年期固定利率). 你可以 then delete the fees that are independent of the loan such as bet9在线登录owners insurance, title fees, escrow fees, attorney fees, 等. 现在把所有的加起来 贷款费用. The lender that has lower 贷款费用 has a cheaper loan than the 贷款费用较高的贷款人.

The following fees are generally included in the APR:

  • Points - both discount points and origination points
  • 预付利息. 从贷款结束之日起至月底支付的利息.
  • 贷款处理费用
  • 承销费用
  • 文档准备费用
  • 私人九州bet9在线登录保险
  • 托管费用

The following fees are normally not included in the APR:

  • 所有权或摘要费
  • 借款人的律师费用
  • 验房的费用
  • 记录的费用
  • 转让税
  • 信用报告
  • 鉴定费用

What does it mean to lock the interest rate?

Mortgage rates can change from the day you apply for a loan to the day you close the transaction. If interest rates rise sharply during 申请过程 it can increase the borrower’s mortgage payment unexpectedly. 因此, a lender can allow the borrower to "lock-in" the loan’s interest rate guaranteeing that rate for a specified time period, 通常30 - 60天, 有时是收费的.

What documents do I need to prepare for my loan application?

以下是申请九州bet9在线登录时需要的文件列表. 然而,每种情况都是独特的,您可能需要提供额外的 文档. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. 这将有助于加速 申请过程.


  • Copy of signed sales contract including all riders
  • Verification of the deposit you placed on the bet9在线登录
  • 所有房地产经纪人,建筑商,保险公司的名字,地址和电话号码 涉及代理人和律师
  • 清单复印件和法律说明(如有的话) 请提供公寓声明,附例和大部分 最近的预算)


  • 你最近30天和今年至今的工资单复印件
  • Copies of your W-2 forms for the past two years
  • Names and addresses of all employers for the 最后两年
  • Letter explaining any gaps in employment in the past 2 years
  • 工作签证或绿卡复印件 & 回来)

If 自由职业者 或接收 委员会 or 奖金, 利息、股息, or 租赁 收入:

  • Provide full tax returns for the 最后两年 PLUS year-to-date Profit 及损失表(请提供完整的纳税申报表,包括附件) 时间表和语句. If you have filed an extension, please supply a 扩展名的副本.)
  • K-1代表过去两年所有的合伙企业和s -公司(请 仔细检查你的回报. 大多数K-1都没有附在1040上.)
  • Completed and signed Federal Partnership (1065) and/or Corporate Income 纳税申报表(1120),包括所有附表、报表和附录 最后两年. (Required only if your ownership position is 25% or greater.)

如果你想使用 赡养费 or 孩子的抚养费 资格:

  • Provide divorce decree/court order stating amount, as well as, proof of 去年资金接收情况

如果你收到 社会保障 收入, 残疾 or VA 好处:

  • Provide award letter from agency or organization


  • Sale of your existing bet9在线登录 - provide a copy of the signed sales contract 如未售出,请附上您目前的住宅及清单或上市协议 closing, you must also provide a settlement/Closing Statement)
  • 储蓄、支票或货币市场基金——提供银行对账单的复印件 过去三个月
  • Stocks and bonds - provide copies of your statement from your broker or 证书的复印件
  • Gifts - If part of your cash to close, provide Gift Affidavit and proof 收到资金
  • 根据您的申请及/或信用报告上显示的信息, you may be required to submit additional 文档


  • 准备一份所有人的姓名,地址,帐户号码,余额和每月的清单 支付所有当前债务与最近三个月的报表副本
  • 包括所有的姓名,地址,账户号码,余额和每月付款 for mortgage holders and/or landlords for the 最后两年
  • 如果你要支付赡养费或子女抚养费,包括婚姻赡养费/法庭赡养费 说明义务条款的命令
  • 查阅以支付申请费用


信用评分是债权人用来帮助决定是否给你的系统 信贷. 关于您和您的信用经历的信息,例如您的账单支付 历史记录,账户的数量和类型,逾期付款,收款 行动,未偿债务,和您的帐户的年龄,是从您的 信贷 application and your 信贷 report. 使用统计程序,债权人 将这些信息与相似消费者的信用表现进行比较 配置文件. A 信贷 scoring system awards points for each factor that helps predict 谁最有可能偿还债务. A total number of points -- a 信用评分 ——有助于预测你的信誉有多好,也就是说,你的信誉有多大的可能性 will repay a loan and make the payments when due.

The most widely use 信用评分s are FICO scores, which were developed by Fair Isaac Company, Inc. Your score will fall between 350 (high risk) and 850 (low risk).

因为你的信用报告是许多信用评分系统的重要组成部分, 在你提交信用申请之前,确保它的准确性是非常重要的. 要索取你的报告副本,请联络以下三家主要的信用报告机构:

Equifax: (800) 685 - 1111
Experian (formerly TRW): (888) EXPERIAN (397-3742)
Trans Union: (800) 916-8800

You are entitled to receive one free 信贷 report every 12 months from each of the nationwide consumer 信贷 reporting companies – Equifax, 益百利和TransUnion. This free 信贷 report may not contain your 信用评分 and can be requested through the following website: http://www.annual信贷report.com


信用评分模型是复杂的,往往不同的债权人和不同的 类型的信贷. If one factor changes, 你的分数 may change -- but improvement 一般取决于该因素与其他因素之间的关系 该模型. Only the 信贷or can explain what might improve 你的分数 under the particular model used to evaluate your 信贷 application.

然而,评分模型通常评估以下类型的信息 在您的信用报告中:

  • 你按时付帐了吗? 通常付款历史 是一个重要的因素. It is likely that 你的分数 will be affected negatively 如果你已支付账单迟了,有一个账户被指托收,或申报 银行ruptcy, if that history is reflected on your 信贷 report.
  • 你的未偿债务是多少? 许多评分模型评估 the amount of debt you have compared to your 信贷 limits. 如果数量 你的欠债接近你的信用额度,这很可能会产生负面影响 在你的分数.
  • 您的信用记录有多长? 一般来说,模型考虑 你的信用记录的长度. 信用记录不足可能 对你的分数有影响,但这可以被其他因素抵消,比如 作为及时付款和低余额.
  • 你最近申请新学分了吗? 许多得分 模型通过查看你最近是否申请了信用 "inquiries" on your 信贷 report when you apply for 信贷. If 你最近申请了太多的新账户,可能会有负面影响 你的分数. 然而,并不是所有的询问都被计算在内. 调查由债权人 谁在监视你的账户或查看信用报告来进行“预审” 信贷优惠不计算在内.
  • How many and what 类型的信贷 accounts do you have? 虽然建立信用账户一般来说是好的,但是太多了 信贷 card accounts may have a negative effect 在你的分数. 此外, many models consider the type of 信贷 accounts you have. 例如,在 一些评分模型,金融公司的贷款可能会对你的 信用评分.

评分模型可能不仅仅是基于您的信用报告中的信息. 例如,该模型可能考虑来自您的信用申请的信息 以及:你的工作或职业,雇佣期限,或你是否拥有 bet9在线登录.

为了提高你的信用评分,在大多数模式下,集中精力支付你的 按时支付账单,付清未偿债务,不承担新债务. It's likely to take some time to improve 你的分数 significantly.


An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, 它的位置, 设施, 和物理条件.


在传统九州bet9在线登录中, when your down payment is less than 20% of the purchase price of the bet9在线登录 mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, 或者询问其他贷款项目的选择.


这可能看起来令人惊讶, some folks with hefty 收入s find that it’s mighty tough for them to save enough money to make a 20% cash down payment on their dream bet9在线登录s. 使用传统的融资, such buyers must purchase Private Mortgage Insurance (PMI) which increases the cost of bet9在线登录 ownership and, 具有讽刺意味的是, makes it even more difficult to qualify for the mortgage. 然而,如果你是一个需要交钱的人,也不要绝望. Given that your 收入 is sufficiently high, it’s eminently possible to avoid getting stuck with PMI. That is why 80-10-10 financing was invented. It is called 80-10-10 because a savings and loan association, 银行, or other institutional lender provides a traditional 80% first mortgage, 你可以得到10%的二次九州bet9在线登录, and make a cash down payment equal to 10% of the bet9在线登录’s purchase price. 通过使用此方法,您不再有义务在您的财产上取出PMI.

The same principle applies if you can only afford to make a 5% down, 还有80-15-5融资. 然而, 因为小额现金首付会增加贷款人违约的风险, do not be surprised when you are asked to pay higher 贷款费用 and a higher mortgage interest rate for 80-15-5 than you pay for 80-10-10.

交易结束时会发生什么 ?

The property is officially transferred from 卖方 to you at "Closing" or "Funding".

At closing, the ownership of the property is officially transferred from 卖方 to you. 这可能涉及到你, 卖方, 房地产经纪人, 你的律师, 贷款人的律师, 所有权或托管公司代表, 职员, 秘书, 和其他员工. 你可以找个律师代表你如果你不能参加结案会议,我.e.如果你在州外的话. Closing can take anywhere from 1-hour to several depending on contingency clauses in the purchase offer, or any escrow accounts needing to be set up.

Most paperwork in closing or settlement is done by attorneys and real estate professionals. You may or may not be involved in some of the closing activities; it depends on who you are working with.

Prior to closing you should have a final inspection, or "walk-through" to insure requested repairs were performed, and items agreed to remain with the house are there such as drapes, 照明灯具, 等.

In most states the settlement is completed by a title or escrow firm in which you forward all materials and information plus the appropriate cashier's checks so the firm can make the necessary disbursement. 你的代表将把支票交给卖主,然后把钥匙交给你.