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Additional Details
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lonleyluver20 | Is this rate ok for a 80/20 loan? |
I am going to purchase a home soon, and I was wondering about the rate they are giving me. I am going 0 down, one rate is 6.5% and the other is 8.5%. What do you think is it worth it? |
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Kevin H
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If they are fixed rate loans your likely sitting on about as good as you will find. A 100% loan would be higher then the blended rate you are looking at. It would also have PMI which can be tax deductible now. The bad thing about that so far is loan officers are pushing it hard yet few know the IRS only allows the deduction for less than 100K per year household incomes. My guess is that many lenders prefer a 1 loan situation as they can charge more and do less work. Most seconds wont allow as much in fees. By nature second loans have a higher rate as they are bearing more risk in the event of default. You can help lower your end cost by getting a seller contribution of up to 3% of the purchase price to be contributed towards buyers closing costs. Then use a point of that to buy your rate down on the first. |
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frankie b
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Sounds average to me.
RE Agent,
Remax |
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tinnee
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yes it is much better than mines. My credit score is 700 and I got a 6.625 and 10 |
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John Corey
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The rate has a lot to do with your credit score. The rates above sound pretty good. See if they reset and when? That can make a big difference. Assuming they do reset then check to see what index they are pegged to. If both loans are fixed rate loans for the duration of the loan then all the better.
The short the loan term the better the rate generally is. |
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pazporamor
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It's not bad for a 100% LTV loan, but it is dependent on your credit score. You can check with other mortgage companies to see if they can do better, given your credit score. But you need to know what your score is in order to get back reliable information from them.
The other thing to keep in mind is the "prepayment penalty". You don't want to be stuck in the loan for too long, so try to keep it as short as possible, so that you could refinance if you want, or you could sell the property and pay off the loan if you want, without having to pay a "penalty" (a percentage of the loan amount). One year is best, but try not to go beyond 3 years for the prepayment penalty. |
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whatevit
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If you can find a 30 year fix rate 6.5% rate it is good. |
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Paineless S
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actually yes, 8.5 on the piggyback is great. Then sit in it for a couple of months 6-12 and refi, you should be able to get a great rate on a 30 yr fixed (or if you have faith in the market) go to another ARM |
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Skip
 |
No one here can really tell you if you have a good rate or not because each person's credit is different. You also have different credit scores.
Some people are stronger borrowers than others, for instances you might have $65,000 in the bank with a job that you have been on for the last 4.5 years. You have a good rental history that can be verified.
So looking at your credit score would only tell me that if you had a very good mortgage broker, he got the very best loan for you, that is the interest rate you qualified for.
Now some other person with the same score with no reserves in the bank and could not verify their rental history have been on the job for 2.5 years, but just got a raise 3 months ago, would not get the same rate as you because of the perceived risk for the lender.
I hope this has been of some use to you, good luck.
"FIGHT ON" |
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Jonathan D
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It is great if you think the rate on the second is hi then you can try and buy down. if it is anywhere for 20K to 30K then it will cost about 2 grand but will save you that much in intrest over 3 years so it is up to you wether it is worth it. |
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Art
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seems decent to avoid pmi |
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Kenny L
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I don't know what your credit score is but at 0% down, 6.5% is good considering the current rates are around 5.875%-6.125% with 5% down. The second will always be 1-1.5 points higher.
If you shop around maybe you might get a better deal, but the savings will be minimal per month.
The bank is taking ALL the risk, so they're entitle to charge you a bit higher.
I think it is a good rate for 0% down! |
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