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Msearchr Szh gsearchg Lending 2fremortgage e Lending rsearchhsearch Morgagesmortgagelending zh Morgages c Lending osearche Morgages r Lending hlsearchn Deal 1从table来中可以得出，无论是哪种选择，都比罗当初的5.0%的n0 closing cost的利率要省钱。
所以，在你决定做重新贷款时，请仔细考虑是不是不久的将来，自己将面临和罗一样的情形，要将现在的自住房变成投资房，然后再做出明智的选择。
finance/mortgages/bigger-mortgages-will-cost-more-1.aspx
美国房屋贷款中，目前普遍流行的Super Conforming Loan(又称为Jumbo Conforming Loan 或者 High-cost area Conforming Loan）的loan limits将从10月1日起调低。因为眼下这种贷款的Loan limits将在今年的9月30日到期。，为了避免较高的支出及较少的产品选择，建议借贷人，不管是做新贷款还是做Refinance，应该在8月中就开始申请贷款，以确保有充足的时间在10月1日之前申请下贷款。
调低loan limits意味着有larger mortgage - jumbo loan的借贷人将会支出更多：不仅需要支付更多的头期款，而且相应的利息也比一般的高出大约 0.5%至 1%；同时，要qualify做larger mortgage的借贷人还要面对更加紧缩的银行guidelines。
目前的Super Conforming这种贷款的loan limits要高于两房Fannie/Freddie及FHA的Standard Conforming loan limits (贷款额<=$417,000) 。大西雅图地区（Seattle-Tacoma-Bellevue )的King, Pierce, Snohomish Counties目前的Super Conforming loan limit是<= $567,500。
新Conforming loan limits：
• 美国的大多数counties的conforming loan limits是$417,000
• 美国有206个high-cost housing的郡县loan limits 相对要高些。一些房价比较高的Counties的loan limits 将会从$729,750调低至$625,500或者更低，例如Los Angeles 及 New York City。其他的counties的loan limits也将会调低在$417,000 和 $625,500之间。
• 其结果，一些借贷人将不再符合Conforming loan，只好以larger mortgage – jumbo loan代替。
从10月1日起，King , Pierce 及Snohomish county的Jumbo Loan的起点下调至$506,000，San Juan调到$483,000，其他的counties调至$417,000。这意味着所有贷款额超过这个数字的将被视为Jumbo Loan来处理。Jumbo Loan的利率比Conforming Loan的利率要高。
截止9月30日，这个数字仍然是$567,500
The credit reporting agencies do charge a fee if you want to know your credit score. Lenders look at all three scores and use the middle one.
Consumers should be on the lookout for any information that doesn’t belong on their credit report or that is incorrect. In 2007, a survey by Zogby found that 37 percent of consumers find errors when they check their credit reports.
Scour everything from the way your name is spelled and previous addresses to checking that each and every account is yours and reported correctly.
Sometimes people will quickly glance over their information and that’s it. But you should take the time and look at the account numbers.
If the account is closed, make sure that is accurately reflected on the credit report.
Dispute any errors you find. All three credit bureaus make it very easy to begin the process with online systems.
If everything is correct, pay down balances and let time do the rest.
If you’re thinking of buying a home in the near future, try not to apply for new credit. Though it’s not always avoidable — for instance, if you need a car loan or college financing — you should resist opening several new lines of credit at once.”A couple in a year is fine. Four or five in a year will start to have an impact. The best way to think of it is that you don’t want to appear credit hungry, so you don’t want to apply for a lot in a short period of time,” says Katz.
If you’ve done all you can to hike up your score and still are not happy with the interest rate lenders offer, you may be able to buy down your rate.
For homeowners planning to stay in their home for a long time — five years or more — it can be well worth the savings.
The typical range is 1 percent to 3 percent of the home loan amount, expressed as percentage points.
What you’re doing is paying upfront, prepaid interest to the bank and in exchange they’re willing to give you a lower interest rate.
Another way to get a premium interest rate is with a big down payment. Understandably, banks feel less jittery about your prospects of defaulting on the loan with a down payment of 25 percent or more.
The down payment is the second most important criteria after your credit score because that is one of the mechanisms the bank uses to gauge how risky the loan is. If you put down 40 percent, a lot of the banks will give preferred interest rates for that
Transforming your credit report won’t happen overnight, but with time and consistency anyone can get to the elite levels of mortgage pricing and save a ton of money in the long run.