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Jul 25 2024 08:44am
Quote (lolkggz @ Jul 25 2024 09:43am)
Refinanced right before covid, was at 3.2 moved to local credit union.
Smartest decision of my life


That's sick/smart as hell

We bought our house in.........2014(?) so COVID was a long ways away

This post was edited by Diutinus on Jul 25 2024 08:45am
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Jul 25 2024 08:47am
Quote (Diutinus @ Jul 25 2024 09:44am)
That's sick/smart as hell

We bought our house in.........2014(?) so COVID was a long ways away


Always worth taking a look to check what banks would offer to take over.
Even if the appraisal is a bit pricey it's worth in the long run if you're getting a better rate.

Do this with insurance too, tell your insurance company you're looking at cheaper offers for same coverage, actually browse around tell them you found something better and make them fight for your business.
Throw the deuces and move to the other company if they don't beat them.

This post was edited by lolkggz on Jul 25 2024 08:47am
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Jul 25 2024 08:50am
Quote (lolkggz @ Jul 25 2024 09:47am)
Always worth taking a look to check what banks would offer to take over.
Even if the appraisal is a bit pricey it's worth in the long run if you're getting a better rate.

Do this with insurance too, tell your insurance company you're looking at cheaper offers for same coverage, actually browse around tell them you found something better and make them fight for your business.
Throw the deuces and move to the other company if they don't beat them.


We have done that with the insurance companies lol
I assume we didn't refinance since we want to move at some point but I really couldn't say lol my husband's brain is my husband's brain
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Jul 25 2024 08:51am
170k @ 4.75% for another 3 yrs
then it'll be lower than that hopefully with interest going down

Quote (sirthom @ Jul 25 2024 08:44am)
Mortgages?
Dumb, dumb, dumb, dumb, dumb.

Buy a cheap house with issues and fix it yourself?
Smart, smart, smart, smart, smart.


bought a house 215k had 185k mortage on it and sold it 460k

That's what you call dumb?

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Jul 25 2024 08:53am
Quote (Diutinus @ Jul 25 2024 09:50am)
We have done that with the insurance companies lol
I assume we didn't refinance since we want to move at some point but I really couldn't say lol my husband's brain is my husband's brain


Low interest rates will come back, take advantage when they do.
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Jul 25 2024 08:56am
Quote (sirthom @ Jul 25 2024 08:44am)
Mortgages?
Dumb, dumb, dumb, dumb, dumb.

Buy a cheap house with issues and fix it yourself?
Smart, smart, smart, smart, smart.


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Jul 25 2024 09:06am
Quote (MadMardi @ 25 Jul 2024 07:42)
What a godly interest rate



Super Saiyan interest rates apparently


Refinanced in 2021 during record low federal interest rates.
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Jul 25 2024 09:14am
Quote (sirthom @ Jul 25 2024 07:44am)
Mortgages?
Dumb, dumb, dumb, dumb, dumb.

Buy a cheap house with issues and fix it yourself?
Smart, smart, smart, smart, smart.


I don't trust trailer parks :)

Quote (lolkggz @ Jul 25 2024 09:53am)
Low interest rates will come back, take advantage when they do.


Most definitely will
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Jul 25 2024 10:28am
842k @ 1.9%
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Jul 25 2024 11:05am
Quote (Diutinus @ Jul 25 2024 10:14am)
I don't trust trailer parks :)


That's mighty pre-judgemental and not very accepting or progressive of you.
BTW, I bet all of my fg vs all of yours my house is worth more than yours.

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