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[美国房产租售] 度假房和投资房conforming loan利率要大涨

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发表于 2021-3-19 07:34:41 | 显示全部楼层 |阅读模式
政府要求二级市场限制二套房和投资房的贷款。二套房和投资房Purchase 和 refi conforming loan利率下周起码要涨0.5.
FHFA (Fannie Mae's and Freddie mac's conservator) announced March 10 that they are limiting new loans secured by second homes or investment properties to 7% of the overall loans they purchase (roughly HALF their historic levels!), effective April 1.  What does this mean to borrowers seeking investment/2nd home mortgages? Turns out, it means A LOT.

While FHFA did not add any new "loan level pricing adjustments" (the fees borrowers pay for various perceived risk factors) in the announcement, many mortgage lenders added (or will soon add) substantial costs to these loans. For example, Penny Mac (who buys large numbers of Fannie/Freddie loans from originating lenders), immediately added a 2.25% cost to new 2nd home mortgages, regardless of equity. The pricing adjustment for a new investment property loan with less than 25% equity rose to a staggering 5% of the loan size ($10,000 on a $200k loan!).

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