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3
Posted on 1/13/15 at 2:37 pm to TexasTiger34
This thread just had me decide to look into refinancing my mortgage... Gonna try and move from a 30yr (28 yrs left) to a 15 year.
Posted on 1/13/15 at 2:37 pm to TexasTiger34
Yes. House paid off in the last year. Just ongoing normal credit card purchases (definitely planned and under control).
Posted on 1/13/15 at 2:37 pm to TexasTiger34
you set a date yet broseph?
Posted on 1/13/15 at 2:38 pm to SouthOfSouth
quote:
Gonna try and move from a 30yr (28 yrs left) to a 15 year.
I did this about 2.5 years ago (15 year to 15 year - previously at 4.25 %).
2.875 % on a 15 year, no points and paid only $995 in closing costs.
This post was edited on 1/13/15 at 2:39 pm
Posted on 1/13/15 at 2:39 pm to Will Cover
I am looking at moving from a 4.25% to a 2.9% with 1300 in closing cost. Feel pretty good about it.
I realized I had only paid down 4k of principal in almost 2 years... Felt shitty.
I realized I had only paid down 4k of principal in almost 2 years... Felt shitty.
This post was edited on 1/13/15 at 2:40 pm
Posted on 1/13/15 at 2:39 pm to SouthOfSouth
quote:
SouthOfSouth
Assuming your mortgage originated 2 years ago, I would assume you are in the 3.3-3.5 range on a 30 year. Can you beat that on a 15 year now?
Posted on 1/13/15 at 2:40 pm to CidCock
quote:
Assuming your mortgage originated 2 years ago, I would assume you are in the 3.3-3.5 range on a 30 year. Can you beat that on a 15 year now?
Unfortunately when I started my search it was at 3.5 and moved up to 4.25 by the time I locked in my rate.
Still was happy but now I can get under 3% with a 15 year.
Posted on 1/13/15 at 2:41 pm to yellowfin
you got some companies in mind with an in?
May need to add 1 or 2 more partners tho
May need to add 1 or 2 more partners tho
This post was edited on 1/13/15 at 2:42 pm
Posted on 1/13/15 at 2:41 pm to Tiger Ryno
student loans and mortgage....
building another house soon, so that mortgage debt is about to be 2x larger...
around 2019, we will have paid off our highest interest loans which will put about $700 more of expendable income in our budget... we plan on putting that back into more school loans, paying those off quickly, then using that money to pay a lot more on the house... so in about 15-18 years we'll be very close to being debt free...
building another house soon, so that mortgage debt is about to be 2x larger...
around 2019, we will have paid off our highest interest loans which will put about $700 more of expendable income in our budget... we plan on putting that back into more school loans, paying those off quickly, then using that money to pay a lot more on the house... so in about 15-18 years we'll be very close to being debt free...
Posted on 1/13/15 at 2:42 pm to Tiger Ryno
I remember when I first graduated from college, had a great paying job, and virtually zero bills/debt. It was glorious! Worked offshore and stayed at my parents/gf's house when I was home.
Posted on 1/13/15 at 2:43 pm to SouthOfSouth
quote:
I realized I had only paid down 4k of principal in almost 2 years... Felt shitty.
I have a 30 year at 3.375, just checked mine, I have paid down $10k in 2 years, not terrible.
Posted on 1/13/15 at 2:43 pm to WDE24
quote:
As soon as I get my discharge I will be
Posted on 1/13/15 at 2:45 pm to CidCock
quote:
I have a 30 year at 3.375, just checked mine, I have paid down $10k in 2 years, not terrible.
The extra 0.875% is pretty significant...
Mine has really only been 1.5 years or so but still wont be more than 6k at this rate paid off by July.
Posted on 1/13/15 at 2:47 pm to SouthOfSouth
quote:
I am looking at moving from a 4.25% to a 2.9% with 1300 in closing cost. Feel pretty good about it.
I realized I had only paid down 4k of principal in almost 2 years... Felt shitty.
Some on the Money Talk board will say to keep your 30 year loan. I like the feeling of knowing that I will have my house paid off by the time my girls are in high school.
Posted on 1/13/15 at 2:48 pm to SouthOfSouth
quote:
Still was happy but now I can get under 3% with a 15 year.
Check out the lenders on Zillow.
Posted on 1/13/15 at 2:49 pm to Will Cover
I went through lending tree an hour ago.. It was crazy. Had about 10 people call me almost instantly...
I know, but you can get better rates with 15 year and I can afford either. So I mean, it makes sense to me...
quote:
Some on the Money Talk board will say to keep your 30 year loan. I like the feeling of knowing that I will have my house paid off by the time my girls are in high school.
I know, but you can get better rates with 15 year and I can afford either. So I mean, it makes sense to me...
This post was edited on 1/13/15 at 2:51 pm
Posted on 1/13/15 at 2:50 pm to Tiger Ryno
You fear losing what you have from bullshite lawsuits etc.
Posted on 1/13/15 at 2:59 pm to Tiger Ryno
quote:
man that has to feel really good every morning and just doing whatever you want with no fear.
or regret the fact that you've probably not managed your finances properly, if you have absolutely no debt. but no debt is better than crappy debt.
Posted on 1/13/15 at 3:02 pm to McLemore
quote:love when the amateur hedge fund managers show up in these threads.
or regret the fact that you've probably not managed your finances properly, if you have absolutely no debt.
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