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Posted on 8/27/20 at 10:13 am to ellesssuuu
What’s the deal with that refinance fee? I heard it won’t start till December now. How is it priced in, by total loan amount?
Posted on 8/27/20 at 10:56 am to Rust Cohle
It's nothing the consumer needs to worry about
Posted on 8/27/20 at 11:28 am to Rust Cohle
It has been removed for now
Posted on 8/27/20 at 11:54 am to ellesssuuu
Was pre-approved this morning for our first mortgage. Honestly kind of confused by it all, but going to sit down and dig a little deeper this evening.
Approved up to $200k, loan amount for $194k. 30 year fixed. 3.25%. 97% LTV.
Approved up to $200k, loan amount for $194k. 30 year fixed. 3.25%. 97% LTV.
Posted on 8/27/20 at 5:38 pm to ellesssuuu
808 before the hard inquiry for the mortgage. Down to 799 now I believe.
Posted on 8/27/20 at 7:43 pm to ellesssuuu
Kansas
Posted on 8/27/20 at 7:47 pm to LSUShock
Damn I am not licensed there. Will find out if anyone in company is
Posted on 8/29/20 at 12:41 pm to ellesssuuu
Let me know.
Posted on 8/30/20 at 6:54 am to Lickitty Split
(no message)
This post was edited on 9/4/20 at 2:08 am
Posted on 8/30/20 at 6:00 pm to bigblake
Just got quoted on a refi:
15 year 2.375
25 year 2.875
currently 4 years into a 30 year with 3.75
15 year 2.375
25 year 2.875
currently 4 years into a 30 year with 3.75
Posted on 8/30/20 at 7:50 pm to ellesssuuu
So I was about to lock-in on 2.125 15 year refinance. Then about 36 hours before, Fannie and Freddie sent out that bulletin with the 0.5% charge. Instead I locked in at 2.375 for 15. I signed the papers and got my appraisal... then I reached out to the bank and said pleasantly, “you essentially charged me for a few that no longer exists, what can you do to help rectify this...?” They bank got back and said it isn’t up to them but up to the investor they are selling my loan to. They “are awaiting The investor’s response.” How stuck am I being this far into the process if the “investor” says no? I imagine I’d have to pay for the appraisal. What else am I on the hook for if I walk away?
Posted on 8/30/20 at 8:13 pm to HamCandy
I finally closed on my refi Thursday.
2.813%, 30yr, max conventional, no points.
2.813%, 30yr, max conventional, no points.
Posted on 8/30/20 at 8:17 pm to LSUtigerME
I cleaned out my attic today and found my first house mortgage papers.
30 years, 9.5% on 95K with $50/mo PMI
1995 in Algiers USA
30 years, 9.5% on 95K with $50/mo PMI
1995 in Algiers USA
Posted on 8/30/20 at 9:37 pm to ellesssuuu
I’m brainstorming about going from 15 years left in loan to a 30, I’ll cut my payment in half, and be able to use the money for investments. In 30 years could it be possible that the value of my home be the sum of the principal and interest paid on my home? A net 0 interest rate? Is this crazy talk? Is it just figuring the amount of interest I’d save vs the amount of money I’d make off investments, and factoring in speculatory inflation?
Posted on 8/31/20 at 6:25 am to AndyJ
You can always walk away but you would be on the hook for the appraisal. We actually removed the fee on deals we had locked which essentially lowered the rate
Posted on 8/31/20 at 7:45 am to AndyJ
Just pay the small cost to get it to a 2.125 and tell them to knock down on a fee
Posted on 8/31/20 at 2:22 pm to ellesssuuu
Can you give me your contact information (email and/or phone) for info on refi on primary property in NOLA. I think we spoke a couple of weeks ago and I lost your mobile number. Will M. in NOLA. ocllcwillm@gmail.com
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