mortgage rate

qiuyi_01

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  • CMLS financial offers five yr fixed at 2.59%.

    Anybody heard of CMLS? Is there any risk to use broker than bank?

    Thanks
     

    向问天

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    这家我在用,没问题。
     

    冷笑十声

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    CMLS financial offers five yr fixed at 2.59%.

    Anybody heard of CMLS? Is there any risk to use broker than bank?

    Thanks
    他借你钱,有什么担心的。最差是五年后不能续借而已,换一家即可。
     

    向问天

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    需要事先了解的2项:
    容许多还钱吗?
    提前终止罚多少?
     

    qiuyi_01

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    他借你钱,有什么担心的。最差是五年后不能续借而已,换一家即可。
    My mortgage is now with RBC at a higher rate, I'm refinancing to have a better rate.

    RBC is offering five yr fixed at 2.79%, if I stay with RBC, I don't need to pay discharge fee which is 376 dollars, I don't need to pay 560 legal fee from CMLS.

    I just don't know if it's a good idea to switch from RBC to CMLS.
     

    冷笑十声

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    My mortgage is now with RBC at a higher rate, I'm refinancing to have a better rate.

    RBC is offering five yr fixed at 2.79%, if I stay with RBC, I don't need to pay discharge fee which is 376 dollars, I don't need to pay 560 legal fee from CMLS.

    I just don't know if it's a good idea to switch from RBC to CMLS.
    depends how much mortgage you borrowed from RBC
     

    向问天

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    My mortgage is now with RBC at a higher rate, I'm refinancing to have a better rate.

    RBC is offering five yr fixed at 2.79%, if I stay with RBC, I don't need to pay discharge fee which is 376 dollars, I don't need to pay 560 legal fee from CMLS.

    I just don't know if it's a good idea to switch from RBC to CMLS.

    每10万每年省$200.
    Do your own math.
     

    qiuyi_01

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    每10万每年省$200.
    Do your own math.
    Isn't the mortgage rate compounded? It should save me a little bit more than $200 for every 100k/yr but I don't know how much it is.
    My mortgage is about 200k, for five year, it will save me more than 2000 if I switch.
    If I switch, I need to pay 376 discharge fee + 560 legal fee = 936.
    Right now, I don't know if there will be an appraisal which will cost another 250. I don't think there will be a appraisal for my case.

    So if there is no appraisal, I should switch.
     

    向问天

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    Isn't the mortgage rate compounded? It should save me a little bit more than $200 for every 100k/yr but I don't know how much it is.
    My mortgage is about 200k, for five year, it will save me more than 2000 if I switch.
    If I switch, I need to pay 376 discharge fee + 560 legal fee = 936.
    Right now, I don't know if there will be an appraisal which will cost another 250. I don't think there will be a appraisal for my case.

    So if there is no appraisal, I should switch.
    是 Compounded, 但是同时你借的钱也越来越少。
    抵消 Compound.
     

    qiuyi_01

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    是 Compounded, 但是同时你借的钱也越来越少。
    抵消 Compound.
    Thanks.
    Just confirmed that there is no appraisal, so I will switch.
     

    qiuyi_01

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    需要事先了解的2项:
    容许多还钱吗?
    提前终止罚多少?
    They allow 20% lump sum payment every year.
    Did ask about penalty if pay off before 5 yr end.
     

    向问天

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    They allow 20% lump sum payment every year.
    Did ask about penalty if pay off before 5 yr end.

    一般罚三个月的利息。
     
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