Search found 6 matches

by Hugo Township
Mon Oct 12, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: Solar with battery/tesla wall
Replies: 116
Views: 8630

Re: Solar with battery/tesla wall

Quick update. Talked to my rep who helped me add 3 panels to my design (total: 15 panels). Makes me more comfortable/future proof with my current annual use around 7200 kwh. They are working on an updated quote/contract. I also dropped the powerwall. One pw just doesn't seem worth it. 2 too much $....
by Hugo Township
Sat Sep 12, 2020 12:43 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1634
Views: 151791

Re: My LenderFi refinance is going well

b2bserver wrote: Fri Sep 11, 2020 3:17 pm Also, do they price match rates after you lock? Seems like some lenders only do it before locking while some have better luck after, no matter what their official policy is.
No, they got mad when I sent them a slightly better offer post-lock. They did not budge.
by Hugo Township
Thu Sep 03, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660276

Re: Refinance Mega Thread

Got a quote from loan depot today. Cash out, total loan $225k, 15 year, $1500 in points, $5100 fees (TX) 2.375%. 30 year adds almost half point to interest rate, not worth it for me. Current loan is 15 year 3.25% This seems like a no brainer to me, unless I can get better. Any experience with loan ...
by Hugo Township
Wed Sep 02, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660276

Re: Refinance Mega Thread

I have lost faith on LenderFi's ability to execute. Rate lock expiration has come and gone. Still in line to be underwritten. They came back one time for more information which I provided. Super conforming, 2.5%, 75% LTV, CA, Lender Credit covers all costs, from a month ago. Will anybody match? Rat...
by Hugo Township
Mon Aug 31, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660276

Re: Refinance Mega Thread

I just locked a no-cost refi with LenderFi @2.5% (30 year) having gone through the process with them in February/March (was @3.125%). A+B+C+E-Lender Credits = -$30. My numbers (credit score, LTV, loan amount) are pretty optimal I think for a good rate. I didn't have to fill out a new application. C...
by Hugo Township
Mon Aug 24, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660276

Re: Refinance Mega Thread

No points, but total closing costs of ~$4K, unless I get an appraisal waiver in which case the costs will be closer to $3.6K. The closing costs you should be looking at are the boxes A B C and E, and then the Lender Credits under section J. It's not clear to me where this $3.6k is going. I think ov...