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Private Lending & Conventional Mortgage Advice
HomeForumsPrivate Lending & Conventional Mortgage AdviceFHLB V LIBOR rates? PROS/CONS
Yaya Y.'s profile image
Yaya Y.'s profile image
Yaya Y.
  • from Greater New York Area, New York
  • Member since May 5, 2014
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Yaya Y.'s profile image
Yaya Y.'s profile image
Yaya Y.
  • from Greater New York Area, New York
  • Member since May 5, 2014
Connect
Yaya Y.
  • Greater New York Area, NY
5
Votes |
27
Posts
Private Lending & Conventional Mortgage Advice

FHLB V LIBOR rates? PROS/CONS

Yaya Y.
  • Greater New York Area, NY
Posted Mar 8 2018, 08:58

I would like to know everyone's opinions on the scenario below.

You want to get a mortgage for 650k,  one bank quotes you with an interest rate of x basis points over the FHLB 5 year rate, and the other bank's rate is the same spread over a 5 year LIBOR swap. Which option is preferable for the borrower? What are the pros and cons of LIBOR and FHLB and which rate is more susceptible to future increases?

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