It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

當抵押貸款利率比當前貸款利率低 2% 時，通常是再融資的好時機。即使利率差只有 1% 或更少，這也可能是一個可行的選擇。任何減少都可以減少您每月的抵押貸款付款。示例：您的付款（不包括稅收和保險）約為 770 美元，貸款利率為 100,000 美元，利率為 8.5%；如果利率降低到 7.5%，那麼您的付款將是 700 美元，現在您每月可節省 70 美元。您的儲蓄取決於您的收入、預算、貸款金額和利率變化。您信任的貸方可以幫助您計算您的選擇。

Most lenders charge fees to refinance a loan. So, if you plan to only stay in the property for a couple of years, your monthly savings may not accumulate to recoup these costs. Example: A lender charged $1,000 to refinance your loan that resulted in saving you $50 each month; it would take 20-months to recoup your initial costs. Some lenders will charge a slightly higher than average interest rate on refinance loans, but will waive all costs associated with the loan. This will depend on the interest rate on your current loan.

​

大多數貸方收取費用來為貸款再融資。因此，如果您計劃只在該物業居住幾年，則您每月的儲蓄可能無法累積以收回這些費用。示例：貸方收取 1,000 美元為您的貸款再融資，這導致您每月為您節省 50 美元；需要 20 個月才能收回您的初始成本。一些貸方會對再融資貸款收取略高於平均利率的利率，但會免除與貸款相關的所有費用。這將取決於您當前貸款的利率。

​

You may need to pay an origination fee typically 2% of your loan amount. In most cases you will pay the same costs you had with your current home loan for the title search, title insurance, lender fees, etc. The total sum could cost up to 2-3% of the loan amount. If you don’t have the funds to pay for associated loan costs, you can search for lenders that offer "no-cost" loans which will charge a slightly higher interest rate.

​

您可能需要支付通常為貸款金額 2% 的發起費。在大多數情況下，您將支付與當前房屋貸款相同的產權搜索、產權保險、貸方費用等費用。總金額可能高達貸款金額的 2-3%。如果您沒有足夠的資金支付相關的貸款費用，您可以尋找提供“無成本”貸款的貸款人，這些貸款的利率會略高一些。

​

​

A point is a percentage of the loan amount, or 1-point = 1% of the loan, so one point on a $100,000 loan is $1,000. Points are costs that need to be paid to a lender to get mortgage financing under specified terms. Discount points are fees used to lower the interest rate on a mortgage loan by paying some of this interest up-front. Lenders may refer to costs in terms of basic points in hundredths of a percent, 100 basis points = 1 point, or 1% of the loan amount.

​

1 點是貸款金額的百分比，或 1 點 = 貸款的 1%，因此 100,000 美元貸款的 1 點是 1,000 美元。點子是需要支付給貸方以在特定條款下獲得抵押貸款的成本。折扣點是用於通過預先支付部分利息來降低抵押貸款利率的費用。貸款人可以用百分之幾的基點來表示成本，100個基點=1點，或貸款金額的1%。

Yes, if you plan to stay in the property for a least a few years. Paying discount points to lower the loan's interest rate is a good way to lower your required monthly loan payment, and possibly increase the loan amount that you can afford to borrow. However, if you plan to stay in the property for only a year or two, your monthly savings may not be enough to recoup the cost of the discount points that you paid up-front.  

​

是的，如果您打算在該物業至少住幾年。支付折扣點以降低貸款利率是降低每月所需還款額的好方法，並可能增加您可以藉到的貸款金額。但是，如果您計劃只在該物業停留一兩年，您每月的儲蓄可能不足以彌補您預先支付的折扣點的成本。

Mortgage rates can change from the day you apply for a loan to the day you close the transaction. If interest rates rise sharply during the application process it can increase the borrower’s mortgage payment unexpectedly. Therefore, a lender can allow the borrower to "lock-in" the loan’s interest rate guaranteeing that rate for a specified time period, often 30-60 days, sometimes for a fee.

​

從您申請貸款之日到您完成交易之日，抵押貸款利率可能會發生變化。如果在申請過程中利率急劇上升，可能會意外增加借款人的抵押貸款支付。因此，貸方可以允許借款人“鎖定”貸款利率，以保證特定時間段內的利率，通常為 30-60 天，有時需要收費。

It's unsure how interest rates will move at any given time, but your lender may estimate where interest rates are headed. If interest rates are expected to be volatile in the near future, considering locking your interest rate may be good because it allows you to qualify for the loan. Or, if your budget could handle a higher loan payment, or lender's lock fees, you may want to let interest rates "float" until the loan closing.

​

不確定利率在任何給定時間將如何變動，但您的貸方可能會估計利率的走向。如果預計利率在不久的將來會波動，考慮鎖定利率可能是好的，因為它可以讓您有資格獲得貸款。或者，如果您的預算可以處理更高的貸款付款或貸方的鎖定費用，您可能希望讓利率“浮動”直到貸款結束。

​

Even with poor credit getting a home loan is still possible. A lender will consider you to be a risky borrower and to compensate for this they will charge you a higher interest rate, and expect a higher down payment usually 20%-50%. The worse your credit history is, the more you can expect to pay.

​

即使信用不佳，仍然有可能獲得住房貸款。貸方會認為您是一個有風險的借款人，為了彌補這一點，他們會向您收取更高的利率，並期望您支付更高的首付，通常為 20%-50%。您的信用記錄越差，您可以期望支付的費用就越多。

Not necessarily, if you've been late with your payments less than 3-times in the past year, and the payments were no more than 30-days late, you still have a good change at getting a competitive interest rate. Most lenders will accept certain reasons for this like an illness, or job-change, but explanations are required.

​

不一定，如果您在過去一年中的付款延遲少於 3 次，並且付款延遲不超過 30 天，那麼您在獲得有競爭力的利率方面仍然有很大的改變。大多數貸方會接受某些原因，例如生病或換工作，但需要做出解釋。

There are two important things to consider when choosing one lender over another one 在選擇一個貸方而不是另一個貸方時，需要考慮兩件重要的事情 :

​

• Quality of Service – Especially for first-time homebuyers who will have many questions about the total financing process and available loan options. Finding a lender with outstanding service skills that you trust will comfortably guide you every step of the way, so ask questions, even before you fill-out an application   服務質量——特別是對於首次購房者，他們會對整個融資流程和可用貸款選項有很多疑問。找到您信任且服務技能出色的貸方將輕鬆指導您的每一步，因此，即使在您填寫申請表之前，也要提出問題 .

• ​

• Cost of Services – It’s good to ask potential lenders upfront what they charge for their services and any fees involved. They should be able to give you facts and get you through the financing process so that you feel confident knowing that you made a good decision by choosing them   服務成本 - 最好事先詢問潛在貸方他們的服務收費以及涉及的任何費用。他們應該能夠為您提供事實並幫助您完成融資過程，以便您確信選擇他們做出了正確的決定  .

​