JY 老大： A few questions about the agency loan

1. For those agency loans (loans from Fannie or Freddie), as you mentioned, the loan cost is so high (5-7%), compared to regular commercial loans' cost is around 1-2%, what are the benefits for those agency loans? Mainly because they are non-recourse loans, so the borrowers do not have to risk their own personal assets in the situation of default?

2. If you have chances to get a regular commercial loan, will you still consider an agency loan if that is possible? In other words, in what situations do you consider an agency loan?

3. What is the normal starting point for the loan amount to consider an agency loan?

Thanks!

所有跟帖： 

• JY人在旅途，可能會耽誤回帖。我談點自己的看法，其他前輩能出來指點我們就更好了。我去年也發過類似的詢問帖，沒多少人討論。 -守月- ♀ (307 bytes) () 10/19/2022 postreply 18:26:10

• 看來agency loan比較好，隻是需要多一些費用。 -DJGO_SF1996- ♀ (0 bytes) () 10/19/2022 postreply 18:43:00

• Thanks for your information -xhjaer19721- ♀ (696 bytes) () 10/19/2022 postreply 18:53:50

• 今年4%一定不可能了。除了費用高時間長，賣方市場（去年）賣家不愛接受agency loan，可能做cashout更好用。 -守月- ♀ (0 bytes) () 10/19/2022 postreply 19:08:04

• Good to know. Thanks for the input. -xhjaer19721- ♀ (0 bytes) () 10/19/2022 postreply 19:20:56

• Agency loans可以3個字形容，坑國家 -smlandlord- ♂ (563 bytes) () 10/19/2022 postreply 22:04:00

• 請教各位大佬，信用卡是越多越好，還是不要超過3，5張，每張都要常嗎？收到各種信用卡開戶的促銷，新卡贈點數和現金等等， -FL330- ♀ (0 bytes) () 10/20/2022 postreply 06:09:58

• 謝謝老大指點 -xhjaer19721- ♀ (0 bytes) () 10/20/2022 postreply 15:25:03