求建议：这个mortgage rates和points还行吗？如何选择？谢谢 落花起作回风舞2022-03-02 23:35:42

30 year fixed

3.75%  $955.18 P&I

-($00.00) lender credit applied at closing 
$150.00 lender origination fee

$8,273.00 discount points

$9.50 flood certification fee

$96.00 joint credit report

$70.00 tax certification fee  
$595.00 up front appraisal cost

 

30 year fixed

4.00%  $984.67 P&I

-($00.00) lender credit applied at closing 
$150.00 lender origination fee

$6,359.00 discount points

$9.50 flood certification fee

$96.00 joint credit report

$70.00 tax certification fee  
$595.00 up front appraisal cost

 

30 year fixed

4.25%  $1,014.63 P&I

-($00.00) lender credit applied at closing 
$150.00 lender origination fee

$4,742.00 discount points

$9.50 flood certification fee

$96.00 joint credit report

$70.00 tax certification fee  
$595.00 up front appraisal cost

 

30 year fixed

4.5%  $1,045.04 P&I

-($00.00) lender credit applied at closing 
$150.00 lender origination fee

$2,997.00 discount points

$9.50 flood certification fee

$96.00 joint credit report

$70.00 tax certification fee  
$595.00 up front appraisal cost

 

另外，?bankrate上有no point no upfront cost 4.625%的APR，跟这些要points但利率更低的选择比较，应该怎么选？

2个Loan都有Point，为什么要买Point？最好不要买point，不值得。

points买的不知道，而且你这是这周的最新利率么？这周利率都降了不少。25% downpay基本都是4.25-4.375 no

no points

看一下 bankrate.com,

谢谢

lender给我的信息，我看到利率还可以但points很高，所以疑惑

我再找找看

刚刚查了bankrate.com，看来我们这里的利率是比较高，这个lender给的还是蛮好的

刚在bankrate.com查了，我们这里可能是比national average高，买自住房有3.875%没