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Feb 12th, 2024
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 Re: re-finance
[Re: Buzzsaw]
#7774239
03/16/20 09:35 PM
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Joined: Sep 2012
Posts: 16,133
Jimbo1
THF Celebrity
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THF Celebrity
Joined: Sep 2012
Posts: 16,133 |
Wife paid off our modest abode a few weeks ago in anticipation of my early retirement. She's a smart gal.
FJB - Lets Go Brandon
BBB - Bring Back Better
Awake - Not Woke!
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Re: re-finance
[Re: Greg]
#7774243
03/16/20 09:37 PM
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Joined: Feb 2009
Posts: 396
JEEPMANMC
Bird Dog
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Bird Dog
Joined: Feb 2009
Posts: 396 |
From what I can gather and read it is supply and demand. I just talked to a lender. With 120k equity in my house and a great credit score all they had was 3.5-4.5 percent and that is not going to do anything for me. They have more business than they can handle so up the rate goes. More money in their pockets.
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Re: re-finance
[Re: bill oxner]
#7774276
03/16/20 10:21 PM
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Joined: Apr 2013
Posts: 8,627
freerange
THF Trophy Hunter
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THF Trophy Hunter
Joined: Apr 2013
Posts: 8,627 |
I'm actually a little strapped at this time. Considering a reverse mortgage. Think Ramsey could arrange that?  Fake news.... I concur Caught. Yes, Bill, but your posts are fun to follow.
At some point in life its time to quit chasing the pot of gold and just enjoy the rainbow. FR
Keep your gratitude higher than your expectations. RWH
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Re: re-finance
[Re: Buzzsaw]
#7774288
03/16/20 10:38 PM
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Joined: Oct 2006
Posts: 18,573
ducknbass
THF Celebrity
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THF Celebrity
Joined: Oct 2006
Posts: 18,573 |
For anyone refinancing recently. What was your out of pocket?
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Re: re-finance
[Re: ducknbass]
#7774313
03/16/20 11:06 PM
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Joined: Nov 2008
Posts: 9,952
LFD2037
THF Trophy Hunter
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THF Trophy Hunter
Joined: Nov 2008
Posts: 9,952 |
For anyone refinancing recently. What was your out of pocket? $19 to me. Rolled all the fees back into it. See my prior post for savings even after doing that.
R.I.P. CPO Matt Mills-(DEVGRU)- You will NEVER be forgotten!
10-25-75 / 8-6-11 *K.I.A.*
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Re: re-finance
[Re: freerange]
#7774363
03/16/20 11:50 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
Caught.[/quote]
Yes, Bill, but your posts are fun to follow. [/quote]
Thanks a bunch for your kind words.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill ![[Linked Image]](https://texashuntingforum.com/forum/pics/usergals/2017/07/full-3669-105539-full_16668_105507_image.jpg)
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Re: re-finance
[Re: ducknbass]
#7774567
03/17/20 02:31 AM
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Joined: Nov 2005
Posts: 10,675
Greg
THF Celebrity
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THF Celebrity
Joined: Nov 2005
Posts: 10,675 |
For anyone refinancing recently. What was your out of pocket? I’m rolling all my fees into it so nothing ”out of pocket”. Was able to use previous survey and save $500 there... so that’s nice, but still have to pay appraiser and app/processing fees. Kind of a kick in the gut, but we were at 4.25% previously and got at least 3% as it stands now for a 15 year note.(as mentioned above, I’m trying to negotiate better than the 3% since we haven’t inked the deal yet). We are doing a little bit of a cash out, so we can be debt free less the house and one car payment. I think it’s a smart move for our situation.
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Re: re-finance
[Re: Buzzsaw]
#7774755
03/17/20 12:25 PM
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Joined: Oct 2004
Posts: 39,608
redchevy
THF Celebrity
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THF Celebrity
Joined: Oct 2004
Posts: 39,608 |
rolling fees in doesn't = nothing out of pocket to me. That is like saying you didn't pay for your car because you got a loan.
It's hell eatin em live
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