{"id":5221,"date":"2020-11-25T11:09:13","date_gmt":"2020-11-25T11:09:13","guid":{"rendered":"https:\/\/www.flyhomes.com\/blog\/?p=5221"},"modified":"2021-11-17T19:48:34","modified_gmt":"2021-11-17T19:48:34","slug":"how-to-get-best-mortgage-rate","status":"publish","type":"post","link":"https:\/\/flyhomes.com\/blog\/mandarin\/how-to-get-best-mortgage-rate\/","title":{"rendered":"\u5e72\u8d27\uff5c\u8d37\u6b3e\u4e70\u623f\uff0c\u600e\u4e48\u624d\u80fd\u62ff\u5230\u66f4\u4f4e\u5229\u7387\uff1f"},"content":{"rendered":"\n<p>\u8d37\u6b3e\u4e70\u623f\uff0c\u9009\u62e9\u8d37\u6b3e\u673a\u6784\u7684\u65f6\u5019\uff0c\u5927\u5bb6\u6700\u5173\u5fc3\u7684\u5c31\u662f\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u5f71\u54cd\u5229\u7387\u7684\u56e0\u7d20\u6709\u5f88\u591a\uff0c\u4eca\u5929\u5c31\u6765\u8ddf\u5927\u5bb6\u804a\u804a\uff0c\u8981\u505a\u597d\u54ea3\u65b9\u9762\uff0c\u624d\u80fd\u62ff\u4e0b<strong>\u4f4e\u5229\u7387\u3002<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u62ff\u5230\u4f4e\u5229\u7387\u56e0\u7d20\u4e00<\/strong><\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u4fe1\u7528\u5206\u6570<\/strong><\/h2>\n\n\n\n<p><strong>\u4fe1\u7528\u5206\u6570\u5bf9\u5229\u7387\u7684\u5f71\u54cd\u6700\u5927\u3002<\/strong><\/p>\n\n\n\n<p>\u623f\u5c4b\u8d37\u6b3e\u662f\u9636\u68af\u5b9a\u4ef7\uff08tier pricing)\uff0c\u901a\u5e3820\u5206\u4e00\u7ea7\uff0c\u6bcf\u4e2a\u4fe1\u7528\u5206\u6570\u9636\u68af\u5bf9\u5e94\u4e00\u4e2a\u5229\u7387\u3002\u4fe1\u7528\u5206\u6570\u5206\u6bb5\u8d8a\u9ad8\uff0c\u4f4e\u5229\u7387\u53ef\u80fd\u6027\u8d8a\u9ad8\uff0c\u3002<\/p>\n\n\n\n<p><strong>\u5927\u90e8\u5206\u4e70\u5bb6\u5e38\u7528\u7684\u8d37\u6b3e\u662fConventional loan\uff0c\u6700\u4f4e620\u5206\u5c31\u53ef\u4ee5\u8d37\u6b3e\uff0c720\u5206\u4ee5\u4e0a\u7b97\u662f\u7b2c\u4e00\u68af\u5ea6\u3002<\/strong><\/p>\n\n\n\n<p>\u53e6\u4e00\u79cd\u662f\u8d37\u6b3e\u662f\u9650\u989d\u8f83\u9ad8\u7684Jumbo loan\uff0c\u8981\u6c42\u501f\u6b3e\u4eba\u6709\u66f4\u9ad8\u7684\u4fe1\u7528\u5206\u6570\u548c\u66f4\u591a\u7684\u9996\u4ed8\uff0c\u5229\u7387\u901a\u5e38\u4e5f\u8f83\u9ad8\u3002\u5bf9\u4e8eJumbo loan\uff0c\u4fe1\u7528\u5206\u6570720-780\u5206\u662f\u7b2c\u4e00\u68af\u5ea6\u3002<\/p>\n\n\n\n<p><strong>\u867d\u7136\u6bcf20\u5206\u5c31\u4f1a\u76f8\u5dee\u4e00\u4e2a\u7b49\u7ea7\uff0c\u4e0d\u8fc7\u53ea\u8981\u4fe1\u7528\u5206\u6570\u5728720\u4ee5\u4e0a\uff0c\u90fd\u4e0d\u4f1a\u6709\u7279\u522b\u663e\u8457\u7684\u5dee\u522b\u3002<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"336\" src=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/wp-content\/uploads\/sites\/3\/2021\/11\/image-4.jpeg\" alt=\"\" class=\"wp-image-9170\" srcset=\"https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/17194655\/image-4.jpeg 640w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/17194655\/image-4-300x158.jpeg 300w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/17194655\/image-4-610x320.jpeg 610w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/17194655\/image-4-370x194.jpeg 370w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/figure><\/div>\n\n\n\n<p>\u5982\u4f55\u63d0\u9ad8\u4fe1\u7528\u5206\u6570\uff1f\u5206\u4eab2\u4e2aExperian\u5b98\u65b9\u7684\u5efa\u8bae\uff1a<\/p>\n\n\n\n<p><strong>\u9996\u5148\u5c31\u662f\u8981\u6309\u65f6\u8fd8\u8d26\u5355\uff0c\u5305\u62ec\u4fe1\u7528\u5361\u3001\u8d37\u6b3e\u3001\u8bdd\u8d39\u3001\u79df\u91d1\u3001\u6c34\u7535\u8d39\u7b49\u7b49\u3002<\/strong>\u8d37\u6b3e\u673a\u6784\u67e5\u770b\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u7684\u65f6\u5019\uff0c\u4f1a\u901a\u8fc7\u4f60\u6709\u6ca1\u6709\u6309\u65f6\u8fd8\u6b3e\u6765\u5224\u65ad\u4f60\u662f\u5426\u53ef\u9760\uff0c\u4ece\u800c\u6765\u9884\u6d4b\u4f60\u8d37\u6b3e\u4e4b\u540e<strong>\u4f1a\u4e0d\u4f1a\u6309\u65f6\u8fd8\u8d37\u6b3e\u3002<\/strong><\/p>\n\n\n\n<p><strong>\u7b2c\u4e8c\u4e2a\u662f\uff0c\u5982\u679c\u6709\u8ba1\u5212\u4e70\u623f\uff0c\u6bd4\u8f83\u5efa\u8bae\u5728\u4fe1\u7528\u5361\u8fd8\u6b3e\u65e5\u671f\u524d2-3\u5929\u8fd8\u6b3e<\/strong>\uff0c\u8fd9\u6837credit institution\u4f1a\u62a5\u544a$0 spending\uff0c\u4e0d\u4ec5\u5bf9\u4fe1\u7528\u5206\u6709\u597d\u5904\uff0c\u6709\u53ef\u80fd\u5bf9\u8d37\u6b3e\u989d\u4e5f\u6709\u5e2e\u52a9\u3002<\/p>\n\n\n\n<p>\u8f83\u4f4e\u7684\u4fe1\u7528\u5361\u989d\u5ea6\u5229\u7528\u7387\u4ee3\u8868\u4f60\u6bcf\u4e2a\u6708\u6ca1\u6709\u82b1\u5149\u6240\u6709\u7684\u4fe1\u7528\u5361\u989d\u5ea6\uff0c\u8bf4\u660e\u4f60\u662f\u4e00\u4e2a\u77e5\u9053\u5982\u4f55\u59a5\u5584\u5904\u7406\u4fe1\u7528\u8d37\u6b3e\u7684\u4eba\u3002\uff08<a href=\"https:\/\/www.flyhomes.com\/blog\/credit-score\/\">\u4fe1\u7528\u5206\u6570\u600e\u4e48\u6512\uff1f\u770b\u8fd9\u91cc\uff01<\/a>\uff09<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u62ff\u5230\u4f4e\u5229\u7387\u56e0\u7d20<\/strong>\u4e8c<\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u5de5\u4f5c\u65f6\u957f\u548c\u6536\u5165\u6c34\u5e73<\/strong><\/h2>\n\n\n\n<p><strong>\u4e00\u822c\u60c5\u51b5\u4e0b\u8d37\u6b3e\u673a\u6784\u4f1a\u8981\u6c42\u8d37\u6b3e\u4eba\u6709\u4e00\u6bb5\u65f6\u95f4\u7684\u5de5\u4f5c\u548c\u7a33\u5b9a\u6536\u5165\u3002\u4e24\u5e74\u662f\u4e00\u4e2a\u6bd4\u8f83\u7a33\u59a5\u7684\u65f6\u957f\u3002<\/strong>\u6700\u597d\u7684\u60c5\u51b5\u662f\u4f60\u4e4b\u524d\u540c\u4e00\u4efd\u5de5\u4f5c\u505a\u4e86\u4e24\u5e74\uff0c\u6216\u8005\u8bf4\u867d\u7136\u4e2d\u95f4\u6362\u4e86\u5de5\u4f5c\uff0c\u4f46\u662f\u6362\u5230\u4e86\u4e00\u4e2a\u6536\u5165\u66f4\u9ad8\u7684\u5de5\u4f5c\u3002<\/p>\n\n\n\n<p>\u4f46\u6709\u4e00\u4e9b\u521a\u5f00\u59cb\u5de5\u4f5c\u7684\u5e74\u8f7b\u4e70\u5bb6\u4e5f\u4e0d\u7528\u7279\u522b\u62c5\u5fc3\uff0c\u53ea\u8981\u6709\u96c7\u4e3b\u63d0\u4f9b\u7684offer letter \uff0c\u8fd8\u662f\u6709\u5f88\u591alender\u53ef\u4ee5\u5e2e\u5fd9\u505a\u8d37\u6b3e\u3002<\/p>\n\n\n\n<p>\u4f46\u5982\u679c\u4f60\u662f\u81ea\u5df1\u521b\u4e1aself-employed, \u8d37\u6b3e\u673a\u6784\u5c31\u4f1a\u66f4\u5c0f\u5fc3\u66f4\u4e25\u683c\u3002\u4ed6\u4eec\u4f1a\u4ed4\u7ec6\u6bd4\u5bf9\u4f60\u7684\u6536\u5165\u548cTax Return\u3002<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u62ff\u5230\u4f4e\u5229\u7387\u56e0\u7d20<\/strong>\u4e09<\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u9996\u4ed8Down Payment<\/strong><\/h2>\n\n\n\n<p><strong>\u4e00\u822c\u6765\u8bf4\uff0c\u5982\u679c\u80fd\u63d0\u524d\u51c6\u590720%\u4ee5\u4e0a\u7684\u9996\u4ed8\uff0c\u5bf9\u62ff\u4e0b\u597d\u7684\u8d37\u6b3e\u5229\u7387\u4f1a\u6bd4\u8f83\u6709\u5229\u3002<\/strong><\/p>\n\n\n\n<p><strong>\u56e0\u4e3a\u8d37\u6b3e\u90fd\u662f\u6839\u636e\u98ce\u9669\u56e0\u7d20\u6765\u8c03\u6574\u7684\uff0c5%\u7684\u9996\u4ed8\u80af\u5b9a\u4f1a\u6bd420%\u9996\u4ed8\u98ce\u9669\u66f4\u9ad8\uff0c\u5229\u7387\u4e5f\u4f1a\u66f4\u9ad8\u3002<\/strong>\uff08<a href=\"https:\/\/www.flyhomes.com\/blog\/how-to-buy-a-home-with-5-down-payment\/\">\u5728\u7f8e\u56fd\uff0c\u9996\u4ed85%\u5c31\u80fd\u4e70\u5230\u623f\uff01\u8fd8\u6709\u8fd9\u79cd\u9a9a\u64cd\u4f5c\uff01\uff1f<\/a>\uff09<\/p>\n\n\n\n<p>\u4e5f\u6709\u5f88\u591a\u4eba\u8ba4\u4e3a\uff0c\u662f\u4e0d\u662f\u5e94\u8be5\u6512\u591f20%\u518d\u5f00\u59cb\u8003\u8651\u4e70\u623f\u3002\u4f46\u8003\u8651\u5230\u8fc7\u53bb\u4e24\u5e74\u7f8e\u56fd\u623f\u4ef7\u7684\u589e\u957f\u901f\u5ea6\uff0c\u6512\u94b1\u7684\u901f\u5ea6\u5f88\u6709\u53ef\u80fd\u8d76\u4e0d\u4e0a\u623f\u4ef7\u589e\u957f\u3002<strong>\u6240\u4ee5\u6839\u636e\u81ea\u5df1\u7684\u60c5\u51b5\uff0c\u627e\u4e13\u4e1a\u4eba\u58eb\u8ba1\u7b97\u51fa\u5982\u679c\u4f4e\u9996\u4ed8\u6bcf\u4e2a\u6708\u8981\u591a\u4ed8\u7684\u91d1\u989d\uff0c\u518d\u505a\u8003\u8651\u662f\u6bd4\u8f83\u7a33\u59a5\u7684\u505a\u6cd5\u3002<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"263\" src=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/wp-content\/uploads\/sites\/3\/2021\/11\/image-3.jpeg\" alt=\"\" class=\"wp-image-9169\" srcset=\"https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/17194651\/image-3.jpeg 500w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/17194651\/image-3-300x158.jpeg 300w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/17194651\/image-3-370x195.jpeg 370w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure><\/div>\n\n\n\n<p><strong>\u6700\u8fd1\uff0cFlyhomes\u5c31\u6b63\u5f0f\u63a8\u51fa\u4e86Mortgage\u4e1a\u52a1\uff0c\u4e3a\u60f3\u8981\u4e70\u623f\u7684\u4f60\uff0c\u63d0\u4f9b\u771f\u6b63\u7684\u8d37\u6b3e\u3001\u4e70\u623f\u4e00\u7ad9\u5f0f\u670d\u52a1\u3002<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Flyhomes Mortgage\u597d\u5728\u54ea\u91cc\uff1f<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4ef7\u683c\u516c\u5f00\u900f\u660e<\/strong><\/h3>\n\n\n\n<p>\u76ee\u524d\u884c\u4e1a\u4e2d\u8d37\u6b3e\u7ecf\u7eaa\u4eba\u901a\u5e38\u4f1a\u6536\u53d6\u603b\u4ea4\u6613\u989d\u76841-2%\u7684\u8d39\u7528\u3002Flyhomes Mortgage\u5728\u4e0d\u540c\u5e02\u573a\u7684\u8d39\u7528\u7565\u4f4e\u4e8e\u76ee\u524d\u5e02\u573a\u6536\u8d39\u3002\u6211\u4eec\u4f63\u91d1\u5c11\u62ff\u4e00\u70b9\uff0c\u628a\u5229\u6da6\u8ba9\u7ed9\u5ba2\u6237\uff0c\u4e3a\u6211\u4eec\u7684\u5ba2\u6237\u7701\u66f4\u591a\u7684\u94b1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u6587\u4ef6\u529e\u7406\u5feb\u901f<\/strong><\/h3>\n\n\n\n<p>\u5f88\u591a\u670b\u53cb\u6709\u8fc7\u51c6\u5907\u4e0boffer\uff0c\u4f46\u662f\u8d37\u6b3ePre-Underwritten\u6ca1\u51c6\u5907\u597d\uff0c\u623f\u5b50\u5c31\u5df2\u7ecfpending\u7684\u7ecf\u5386\u3002<\/p>\n\n\n\n<p><strong>\u5176\u4ed6\u94f6\u884c2-3\u5468\u624d\u80fd\u529e\u597dPre-Underwritten\uff0cFlyhomes mortgage\u7075\u6d3b\u7684\u56e2\u961f\u8fd0\u8425\uff0c\u6700\u77ed7\u4e2a\u5de5\u4f5c\u65e5\u5185\uff0c\u5c31\u80fd\u51c6\u5907\u597d\u4e70\u623f\u9700\u8981\u7684Pre-Underwritten\u6587\u4ef6\uff0c\u8ba9\u4f60\u80fd\u653e\u5fc3\u4e0boffer\uff0c\u518d\u4e5f\u4e0d\u7528\u62c5\u5fc3\u9519\u5931\u5fc3\u4eea\u7684\u623f\u5b50\u3002<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4e70\u623f\u65e0\u7f1d\u8854\u63a5<\/strong><\/h3>\n\n\n\n<p>\u5728\u6e7e\u533a\u8fd9\u79cd\u7ade\u4e89\u6fc0\u70c8\u7684\u5e02\u573a\uff0cFlyhomes Cash Offer\u3001Buy Before You Sell 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class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/calendly.com\/flyhomes-team?utm_source=mandarinblog\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/wp-content\/uploads\/sites\/3\/2023\/02\/Mandarin-Blog-CTA.jpg\" alt=\"\" class=\"wp-image-10373\" width=\"475\" height=\"109\" srcset=\"https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA.jpg 950w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA-300x69.jpg 300w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA-768x176.jpg 768w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA-610x140.jpg 610w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA-370x85.jpg 370w\" 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