度假房和投资房conforming loan利率要大涨

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!).

政策变化会对房价有什么影响吗？

链接在这里

https://www.google.com/amp/amp.m....com/article/969796

我感觉政府是希望提高投资客买房成本来给市场降温。不鼓励频繁的买进卖出。 对Primary Home Buyer是利好。
调控效果还是看1-2 个月以后吧。希望大家接下来抢房容易些。

今天跟我的loan agent确认了下这个消息，确实接下来几周估计投资房利率会涨不少。所以周末看到这条消息赶紧一狠心加钱抢了一套投资房争取这几天把利率锁了。

tonyxug 发表于 2021-03-15 12:48:22
今天跟我的loan agent确认了下这个消息，确实接下来几周估计投资房利率会涨不少。所以周末看到这条消息赶紧一狠心加钱抢了一套投资房争取这几天把利率锁了。

这个啥时候生效？四月以前锁利率还来得及吗？