請教各位大佬,關於conventional mortgage 和 FHA mortgage的選擇

Both of the offers are 30 yrs fixed rate, and  both loan amounts are $550,000, both downpayment are 5%;

(1) Conventional mortgage: rate 6.875%, mortgage insurance is 105;

(2) FHA mortgage: rate 6%, mortgage insuracne is 218;

 

Which offer is better? Or any other suggestion?

 

Many many thanks.

所有跟帖： 

• 選FHA，利率低。conventional loan 還有很多隱藏的莫名其妙垃圾費用，要小心。 -老朽- ♂ (0 bytes) () 07/17/2024 postreply 05:28:58

• 謝謝老朽大俠的回複, 想confirm一下, -吃著吃著就胖了- ♀ (530 bytes) () 07/17/2024 postreply 09:31:14

• 用貸款計算器算。10萬貸款常規月供多316刀，乘係數是總差價。fha容許買家向賣家索要3%closing cost。 -IEbird- ♀ (0 bytes) () 07/17/2024 postreply 05:31:13

• 非常感謝您的熱心幫忙，再好好想一想，主要是怕 -吃著吃著就胖了- ♀ (331 bytes) () 07/17/2024 postreply 09:34:30

• 沒有refi 經驗。一旦有了足夠淨值多數人都會refi 到常規貸款去貸款保險不應有難度。link- -IEbird- ♀ (386 bytes) () 07/17/2024 postreply 09:55:34

• +1, if LTV < 80%, refinancing to conventional is easy -jenning- ♂ (0 bytes) () 07/17/2024 postreply 12:06:58

• Thanks. -吃著吃著就胖了- ♀ (0 bytes) () 07/17/2024 postreply 23:22:39

• downpayment 5%就可以貸款？這是自住房？ -繡球花開- ♀ (0 bytes) () 07/17/2024 postreply 11:15:20

• Yes, -吃著吃著就胖了- ♀ (124 bytes) () 07/17/2024 postreply 23:22:18

• 我問了 一下chatgpt，說是可以refi fha loan，額外的要求可能是需要證明refi確實有利比如利率下降 -吃一塹長一智啊- ♀ (0 bytes) () 07/17/2024 postreply 11:36:58

• That's true if still refinancing to fha, -jenning- ♂ (65 bytes) () 07/17/2024 postreply 12:09:51

• 謝謝jenning！ -吃一塹長一智啊- ♀ (0 bytes) () 07/17/2024 postreply 14:35:18

• Thank you very much for the info. -吃著吃著就胖了- ♀ (0 bytes) () 07/17/2024 postreply 23:20:33

• FHA's PMI will always be there -jenning- ♂ (169 bytes) () 07/17/2024 postreply 12:17:16

• Thanks a lot Jenning, very helpful. -吃著吃著就胖了- ♀ (0 bytes) () 07/17/2024 postreply 23:20:00

• 羨慕利息6.85%。 我昨天得到的是8.5%，今天降了點兒，到8.125% -PeonyInJuly- ♀ (261 bytes) () 07/18/2024 postreply 23:19:56