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Posted on 1/14/19 at 1:55 pm to tiger10lsu
quote:
I can't stand throwing that $140 per month away.
Yikes, yeah that's a lot. I'd certainly do some math if you are throwing away damn near 1700 dollars a year towards it...
Posted on 1/14/19 at 1:56 pm to tiger10lsu
Better pray for several more rounds of QE since China and Russia are no longer buying our Treasury bonds. Your only hope for a conventional to get down close to that rate.
Posted on 1/14/19 at 9:39 pm to tiger10lsu
Im in the same boat. I got a 3.75% which i won’t get now.
Posted on 1/15/19 at 3:49 pm to tiger10lsu
your rate really isn't what you think it is. When you add back the PMI you are paying a higher rate then what's on paper. when you reach the 20% equity point you need to refinance. Right now rates are in the 4.625% range . They will not be back to the 4% range without a massive recession in the country so don't wait around thinking that will happen. Also if you reach yr 10 in any loan you need to refinance to a 10 or 15yr term. A 30yr mortgage is front end loaded with interest so you are paying a small amount of your payment towards principal anyway.
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