Piggington's Econo-Almanac

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January 8, 2009 at 4:06 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #326574

RB-Home Buyer
Participant

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

January 8, 2009 at 4:06 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #326490

RB-Home Buyer
Participant

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

January 8, 2009 at 4:06 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #326471

RB-Home Buyer
Participant

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

January 8, 2009 at 4:06 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #326404

RB-Home Buyer
Participant

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

January 8, 2009 at 4:06 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #326060

RB-Home Buyer
Participant

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

January 7, 2009 at 2:15 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #326108

RB-Home Buyer
Participant

I called the following number.
1-888-376-0103
Rates are dynamic. Call them and find out. Advertised rates on their website are always wrong or obsolete.

January 7, 2009 at 2:15 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #326026

RB-Home Buyer
Participant

I called the following number.
1-888-376-0103
Rates are dynamic. Call them and find out. Advertised rates on their website are always wrong or obsolete.

January 7, 2009 at 2:15 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #326008

RB-Home Buyer
Participant

I called the following number.
1-888-376-0103
Rates are dynamic. Call them and find out. Advertised rates on their website are always wrong or obsolete.

January 7, 2009 at 2:15 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #325938

RB-Home Buyer
Participant

I called the following number.
1-888-376-0103
Rates are dynamic. Call them and find out. Advertised rates on their website are always wrong or obsolete.

January 7, 2009 at 2:15 PM in reply to: 530K is accepted for 2300 SFT home in 4s ranch. #325600

RB-Home Buyer
Participant

I called the following number.
1-888-376-0103
Rates are dynamic. Call them and find out. Advertised rates on their website are always wrong or obsolete.

January 6, 2009 at 8:53 PM in reply to: low mello roos /HOA areas in N County Coastal? #325247

RB-Home Buyer
Participant

Hi PadreBrian,
Generally Mello-Roos tax is not tax deductable.
See FTB link below.
http://www.ftb.ca.gov/individuals/faq/net/909.shtml

January 6, 2009 at 8:53 PM in reply to: low mello roos /HOA areas in N County Coastal? #325583

RB-Home Buyer
Participant

Hi PadreBrian,
Generally Mello-Roos tax is not tax deductable.
See FTB link below.
http://www.ftb.ca.gov/individuals/faq/net/909.shtml

January 6, 2009 at 8:53 PM in reply to: low mello roos /HOA areas in N County Coastal? #325653

RB-Home Buyer
Participant

Hi PadreBrian,
Generally Mello-Roos tax is not tax deductable.
See FTB link below.
http://www.ftb.ca.gov/individuals/faq/net/909.shtml

January 6, 2009 at 8:53 PM in reply to: low mello roos /HOA areas in N County Coastal? #325669

RB-Home Buyer
Participant

Hi PadreBrian,
Generally Mello-Roos tax is not tax deductable.
See FTB link below.
http://www.ftb.ca.gov/individuals/faq/net/909.shtml

January 6, 2009 at 8:53 PM in reply to: low mello roos /HOA areas in N County Coastal? #325752

RB-Home Buyer
Participant

Hi PadreBrian,
Generally Mello-Roos tax is not tax deductable.
See FTB link below.
http://www.ftb.ca.gov/individuals/faq/net/909.shtml
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