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  • January 8, 2009 at 11:21 AM #326392
    LarryTheRenter
    Participant

    Newbie question for HLS..

    If you need to borrow 700K…Do you pay the lower rate up to the conforming amount, then a separate loan at a higher rate for the amount above that..or is it a jumbo loan at a higher rate for the whole loan amount..(assuming you qualify of course)???? or can you do either?

    thanks

    January 8, 2009 at 11:48 AM #325911
    AK
    Participant

    USAA offers VA 30yr fixed at 5.00%, no points.

    Looks like the VA hybrid ARM is no longer available … if it were it would be something like 2.4% initial rate with a 7.4% cap!!! That’s the kind of ARM I could go for.

    January 8, 2009 at 11:48 AM #326252
    AK
    Participant

    USAA offers VA 30yr fixed at 5.00%, no points.

    Looks like the VA hybrid ARM is no longer available … if it were it would be something like 2.4% initial rate with a 7.4% cap!!! That’s the kind of ARM I could go for.

    January 8, 2009 at 11:48 AM #326321
    AK
    Participant

    USAA offers VA 30yr fixed at 5.00%, no points.

    Looks like the VA hybrid ARM is no longer available … if it were it would be something like 2.4% initial rate with a 7.4% cap!!! That’s the kind of ARM I could go for.

    January 8, 2009 at 11:48 AM #326340
    AK
    Participant

    USAA offers VA 30yr fixed at 5.00%, no points.

    Looks like the VA hybrid ARM is no longer available … if it were it would be something like 2.4% initial rate with a 7.4% cap!!! That’s the kind of ARM I could go for.

    January 8, 2009 at 11:48 AM #326424
    AK
    Participant

    USAA offers VA 30yr fixed at 5.00%, no points.

    Looks like the VA hybrid ARM is no longer available … if it were it would be something like 2.4% initial rate with a 7.4% cap!!! That’s the kind of ARM I could go for.

    January 8, 2009 at 12:44 PM #325965
    WaitingToExhale
    Participant

    HLS, how would only having 10% down affect the rates?

    January 8, 2009 at 12:44 PM #326307
    WaitingToExhale
    Participant

    HLS, how would only having 10% down affect the rates?

    January 8, 2009 at 12:44 PM #326376
    WaitingToExhale
    Participant

    HLS, how would only having 10% down affect the rates?

    January 8, 2009 at 12:44 PM #326395
    WaitingToExhale
    Participant

    HLS, how would only having 10% down affect the rates?

    January 8, 2009 at 12:44 PM #326479
    WaitingToExhale
    Participant

    HLS, how would only having 10% down affect the rates?

    January 8, 2009 at 10:14 PM #326188
    thebazman
    Participant

    [quote=WaitingToExhale]HLS, how would only having 10% down affect the rates?[/quote]

    That’s the category I’m in!!!! With only 15K available to put down, 20% would put me at $75,000 purchase price whereas 10% would let me buy up to $150,000 of property.

    Thanks for asking the question.

    January 8, 2009 at 10:14 PM #326527
    thebazman
    Participant

    [quote=WaitingToExhale]HLS, how would only having 10% down affect the rates?[/quote]

    That’s the category I’m in!!!! With only 15K available to put down, 20% would put me at $75,000 purchase price whereas 10% would let me buy up to $150,000 of property.

    Thanks for asking the question.

    January 8, 2009 at 10:14 PM #326597
    thebazman
    Participant

    [quote=WaitingToExhale]HLS, how would only having 10% down affect the rates?[/quote]

    That’s the category I’m in!!!! With only 15K available to put down, 20% would put me at $75,000 purchase price whereas 10% would let me buy up to $150,000 of property.

    Thanks for asking the question.

    January 8, 2009 at 10:14 PM #326616
    thebazman
    Participant

    [quote=WaitingToExhale]HLS, how would only having 10% down affect the rates?[/quote]

    That’s the category I’m in!!!! With only 15K available to put down, 20% would put me at $75,000 purchase price whereas 10% would let me buy up to $150,000 of property.

    Thanks for asking the question.

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