Refinance now??

[grapedrink]

for 30 year fixed, no cash out. 60% LTV, 740+ FICO..it's 2.5%, zero fees. @DW2 has refinanced with me twice in the last 3 months. Dont sleep

^^^ This guy's legit. No BS.

 

[parkiteric]

^^^ This guy's legit. No BS.

Mr. @grapedrink also refinanced with me back in May. Thanks for the vouch, sir!

 

[keweiling]

Cool help, how did I miss these opportunities! Nailed myself! What a shame. But, what happens can be for a better goal. My application was made at Mortgage Advisor Bristol after long discussion to understand the scheme better and have full understanding of what I’m signing on the paper, have finally decided to accept here offer. Even tough I was sweaty and did not know excellent UK, knew that such option can be controlled financially only if not a scam scheme will fall under my feet. Time passed everything is nice, found the right place after all.

 

[Truth]

It would be through our LLC for sure but temperamentally and logically it’s not a good time for us. I mean, even if they TOOK such a Small down payment, it would still be paid using most or all of my liquid savings, which is more important in this era. I have No debt except 1 modest mortgage, no CC balances, and a healthy 401k. We are thinking about maybe keeping the classes small and just having them in our living room. Semi private, 4-6 people per class, (which we could do easily and be well within current space requirements, plus masks and a dope HEPA filter of course)and beefed up in insurance. And handle the finances through the LLC “just in case”. Waivers like we’ve been doing all summer on the beach. Humbly speaking our great room makes a gorgeous studio. My attorney said get more insurance. But, when I asked him if we should go to city hall for a permit or something, he said the city will not allow it. Am I crazy or does that suggest just get the extra insurance and financial set up and hold your classes, just don’t involve the city in the first place? most of our students are within walking or quick biking distance, and a few drive from other towns So it wouldn’t cause any nuisance our little street. Nuisances are generally when the city does get involved (rarely) and maybe issue a fine

wait what about the costa rica plan that i was going to your "boots on the ground" guy?

 

[Subway]

Haven’t you tortured us enough?

 

[grapedrink]

Haven’t you tortured us enough?

That and his “I miss Blacks” comment made me want to dropkick a box of kittens

 

[Leaverite]

Trump.

 

[JoeBakero]

Well, better contact some specialists in this domain that will help you for sure. Moreover, today internet is full with different wealth management, tax advantaged strategies and alternative investments plans companies, that will help you increase your profit in a pretty short period of time. You have just to choose wisely a good professional. I recommend you to contact financial advisor Cornelius, who will help you with pleasure.

 

[parkiteric]

If anyone missed the boat last year, rates are still at historical lows

If you have 720+ FICO, one loan against the home, 30 year fixed starts at 2.62% zero fees, 15 year fixed starts at 1.99% zero fees. If you want to run some numbers, email eric.park@interactivemortgage.com with a mortgage statement and/or call 949-635-4019.

 

[potato-nator]

that stuff can make a big dif.
my2centavos.

 

[Muscles]

So anyone refi lately?

I'm being quoted 2.99 30 year fixed.

 

[grapedrink]

So anyone refi lately?

I'm being quoted 2.99 30 year fixed.

Sounds like it's going up. I did last fall for <2.4%

 

[Muscles]

Sounds like it's going up. I did last fall for <2.4%

No points and 30 year?

 

[grapedrink]

No points and 30 year?

Yes. Went through the guy I quoted above on this page/thread

 

[casa_mugrienta]

So anyone refi lately?

I'm being quoted 2.99 30 year fixed.

Where?

We have our 30 yr fxd through Wells Fargo. It's our only debt. Could pay it off now.

Credit should be excellent.

They quoted me 3.4% on my condo. Everyone else I know that has recently refied is talking <3%

WTF??

I'm afraid to call around because I don't want a bunch of people checking my credit and dropping my score.

 

[hammies]

I paid off my house last winter.

Even though my mortgage payment was pretty small ($1200/mo), words do not describe how good that feels.

 

[silentbutdeadly]

I paid off my house last winter.

Even though my mortgage payment was pretty small ($1200/mo), words do not describe how good that feels.

pretty small?

Fvck I'd be rich!

 

[grapedrink]

Where?

We have our 30 yr fxd through Wells Fargo. It's our only debt. Could pay it off now.

Credit should be excellent.

They quoted me 3.4% on my condo. Everyone else I know that has recently refied is talking <3%

WTF??

I'm afraid to call around because I don't want a bunch of people checking my credit and dropping my score.

See the poster parkiteric above

 

[silentbutdeadly]

he consistently posted good numbers if I recall correctly. Not sure about credit checks significantly impacting your credit. I've re-fi'd a fair amount in the last 5 years along with a HELOC and our credit just keeps getting better and better.

 

[Random Guy]

Not a refi question, but a mortgage question
When buying a house that’s missing CO for things like a second kitchen / illegal apartment, or a deck, I’ve heard smaller lenders will let that slide, as applied to banks that will not underwrite the mortgage

So if a real estate agent introduces the buyer to a mortgage lender, and the lender say they have no problem with the missing CO, I’d expect there’s a premium to pay for that flexibility

My questions ar
Is it true that major lenders will be more sticklers for COs
Should someone expect to pay more when missing COs
And assuming yes, how much more
@parkiteric interested in your thoughts
Also, not sure if being in NY makes any difference
And not sure if you do business in ny, but if you are, let me know
Thanks!