Search found 152 matches

by NORDO
Fri Sep 04, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Refinanced in Early May but looking to do again - crazy with these rates. Went from 30 to 15 for a 1% drop and now looking to go back at 30 at same low rate! Considering LenderFi and was assigned Anthony Assi. Any experience there or want to refer me your contact? He was unbelievably non-responsive...
by NORDO
Wed Sep 02, 2020 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Radian title is not taking inquiries from consumers. How are you getting quotes for title insurance from them? On the phone, I was told I could go to radian.com, but that seems to be for lenders. Also, they may not be licensed in my state (Colorado) from their website, but they couldn't confirm tha...
by NORDO
Wed Sep 02, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Who will Better.com work with in terms of title services? I haven't heard great things about their default title service. I have 5 business days to pick someone else. We used their service, which was Spruce Land Services here, and the local notary that came to the house to sign the paperwork was gr...
by NORDO
Wed Sep 02, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

My wife and I are wrestling with a dilemma regarding amortization period. We are about 2 years into a $624K mortgage (HCOL conforming @ 3.85%). We are looking into a no-cost refinance, and debating whether to reset the existing balance (about 600K after some extra payments) at 30 years or 25 years....
by NORDO
Wed Sep 02, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Who will Better.com work with in terms of title services? I haven't heard great things about their default title service. I have 5 business days to pick someone else. We used their service, which was Spruce Land Services here, and the local notary that came to the house to sign the paperwork was gr...
by NORDO
Tue Aug 25, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Tried to back door LenderFi, accidentally neglected to change the zip code, but filled in the info and it assigned a loan officer who is not licensed in my state. Now I am stuck and cant apply :oops: Can anyone recommend another solid lender who would be receptive to trying to beat my locked LE wit...
by NORDO
Wed Aug 19, 2020 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

We're in the home stretch with Better on our refi - no cash out, just a new loan for the payoff amount on the existing mortgage. Here's the full play-by-play for anyone following along. Final loan amount = 30 yr fixed, 2.50%, $265K, 76% LTV, no escrow Jul 7 - applied with Better Jul 24 - applied wit...
by NORDO
Wed Aug 12, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Who did Better list as their default title company? I closed with Ally in May (which is basically Better, since Better is doing all the work in the background) and Radian was the default title company. Spruce Land Services, who I've never heard of. Meanwhile, when I contacted Radian, they provided ...
by NORDO
Wed Aug 12, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Yea, but if you're comparing different lenders, C shouldnt matter because those costs can be made the same in each loan by choosing your title company. If I did that with these loans I am considering it wouldnt be fair because one of them quoted way higher title fees which I know arent going to app...
by NORDO
Wed Aug 12, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Yea, but if you're comparing different lenders, C shouldnt matter because those costs can be made the same in each loan by choosing your title company. If I did that with these loans I am considering it wouldnt be fair because one of them quoted way higher title fees which I know arent going to app...
by NORDO
Tue Aug 11, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Since the AMEX deal is over unless someone has already applied, I wonder how the business model of Better--where they just match a competing offer or beat it by $100--will work. Anyone got a competitive offer from them to start with? I did not! Presumably they're counting on the vast majority of no...
by NORDO
Tue Aug 11, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Quick question to anyone who worked with Better.com: After an initial application and preapproval, I get a dashboard of rates and also an option to "review your LE" elsewhere (and this LE does not correspond to anything on the dashboard and is not good). What is my next step? The rates th...
by NORDO
Mon Aug 10, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

We're into underwriting with Better now, but they took the latest LE from our current local lender on Friday and matched it. I think I'm going to call this a done deal and keep watching to see if rates somehow continue to drop even further. :o $268K, 30 yr fixed, 2.500%, No Escrow A+B+C = $1110 E+F...
by NORDO
Mon Aug 10, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

We're into underwriting with Better now, but they took the latest LE from our current local lender on Friday and matched it. I think I'm going to call this a done deal and keep watching to see if rates somehow continue to drop even further. :o $268K, 30 yr fixed, 2.500%, No Escrow A+B+C = $1110 E+F...
by NORDO
Mon Aug 10, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

We're into underwriting with Better now, but they took the latest LE from our current local lender on Friday and matched it. I think I'm going to call this a done deal and keep watching to see if rates somehow continue to drop even further. :o $268K, 30 yr fixed, 2.500%, No Escrow A+B+C = $1110 E+F ...
by NORDO
Sat Aug 08, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Working with Better, LoanDepot and AmeriSave for refinancing a recent mortgage with balance $680k on a high rise condo at no cost. Current loan is 30 year fixed for 3% from last year and hence don't want pay anything out of pocket(other than escrow) I have received offers for 2.625 at no cost. I'm ...
by NORDO
Sat Aug 08, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Lender: Loan Depot, Loan Amount 400k LTV ~60% FICO 800+ Locked a 15 yr refinance @ 2.25% with 0 closing costs to me (I'm ok with paying out of pocket $1K for prepaids/escrow) Very excited and feel like this is a great deal coming from a 30 yr 3.875% mortgage. However, Loan Depot is asking for "...
by NORDO
Sat Aug 08, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Still working with Better, LC, and our current lender to see where we end up. LC has been far from responsive, but I've been able to leverage their LE to push the other two lower. $268K, 79% LTV, 30 year, no escrow. We're currently locked at 2.500% with Better and moving into underwriting. I applied...
by NORDO
Tue Aug 04, 2020 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Last week Better Mortgage declined to beat an LE from Loan Depot 30yr 2.625% with A+B+C covered by the lender credit. This morning, after little bit of haggling, I have received an updated LE from the same lender 30yr 2.50% with A+B+C+$550 covered by the lender credit. Does it make any sense to sub...
by NORDO
Fri Jul 31, 2020 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: LE Fees

SilenceAttack wrote: Fri Jul 31, 2020 5:55 pm How long did you have to wait for a quote from LoanCabin? I applied on Wednesday and still waiting for a response.
It took me 4 business days from application + 3 follow-up emails to get the draft LE this week.
by NORDO
Fri Jul 31, 2020 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Loan Cabin came back (after a little pestering - 4 days after initial application) with a LE this morning. 30 year, 2.500%, $268K, 79% LTV, no escrow ... $1,000 lender credit yields $1,900 total cost. I expect I can lower the cost by $500 to $1000 using the local title agency from our last refinanc...
by NORDO
Fri Jul 31, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

JimmyD wrote: Fri Jul 31, 2020 10:50 am What site or service does everyone use to track daily rate fluctuations? I'd like to hold my loan officer accountable if rates keep heading lower.
This has been referenced by many - I've read that Better tracks it closely:
https://fred.stlouisfed.org/series/MORTGAGE30US
by NORDO
Fri Jul 31, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Loan Cabin came back (after a little pestering - 4 days after initial application) with a LE this morning. 30 year, 2.500%, $268K, 79% LTV, no escrow ... $1,000 lender credit yields $1,900 total cost. I expect I can lower the cost by $500 to $1000 using the local title agency from our last refinanc...
by NORDO
Thu Jul 30, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Loan Cabin came back (after a little pestering - 4 days after initial application) with a LE this morning. 30 year, 2.500%, $268K, 79% LTV, no escrow ... $1,000 lender credit yields $1,900 total cost. I expect I can lower the cost by $500 to $1000 using the local title agency from our last refinance...
by NORDO
Fri Jul 24, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Unfortunately i'm in MA and can't use Loan Cabin or Better. I currently have applications with LoanDepot, Watermark, LenderFI, Caliber, and a local Broker that i'm hoping to get updated rates from on Monday and then lock something in. Yeah it does vary plenty state to state. We refi'ed last year (a...
by NORDO
Fri Jul 24, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Did they block this link too? I still get the banner about not taking applications. Anyone have a backdoor to apply to LenderFI? If you don't have a cached personal search (check your browser history for a lenderfi.com address with "search-results" in the URL) then try this: https://app.l...
by NORDO
Fri Jul 24, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Did they block this link too? I still get the banner about not taking applications. Anyone have a backdoor to apply to LenderFI? If you don't have a cached personal search (check your browser history for a lenderfi.com address with "search-results" in the URL) then try this: https://app.l...
by NORDO
Fri Jun 19, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2447

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

Finally pulled the trigger - we're moving everything from Amica to Erie. What we gain in coverage: guaranteed replacement cost, 2x other structures, +$200K personal liability, $50K equipment breakdown, $25K service line, 4x tree and landscaping, 3x debris removal, new car replacement, diminishing de...
by NORDO
Thu Jun 18, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2447

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

Amica does its dividend in the next 1-2 months. I expect you were quoted a price without the dividend taken into effect. I noted it in one of my earlier posts - the Amica rates above are after / including the dividend. In other words, I've reduced the premium by 20% or 25% based on the dividend we ...
by NORDO
Thu Jun 18, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2447

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

Pardon me for disappearing entirely for a few months - between the whole pandemic, working from home with a toddler, a new baby, and a few other things... life has been rather hectic. Anyway, our Amica renewal is next month so I finally lit a fire under myself to get this insurance shopping complete...
by NORDO
Thu Feb 06, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2447

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

You're in a very serious situation right now, and you don't realize it. You're rearranging deck chairs on the Titanic while the ship goes down. You need to find a lifeboat. Homeowners insurance has half the claim frequency of auto insurance. Filing two claims in three years is like getting into fou...
by NORDO
Thu Feb 06, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2447

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

After 10+ years with Amica, we're leaving for Safeco. We'll save over $1500/year with better coverages. Safeco seems to be becoming very popular in our area of Colorado. They were one of my leading contenders when I began the search. However, I utilized our $0 / Full Glass Coverage with Amica to re...
by NORDO
Thu Feb 06, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2447

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

I should note that I'm utilizing local agencies/brokers for this process. Not planning on buying directly from any insurer as we do with Amica. So even if we went with MetLife (unlikely) it would be from a local agent. I would suggest checking the Nationwide Private Client website for an agent in yo...
by NORDO
Thu Feb 06, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2447

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

Self insure where you can afford to, so your rates dont go up like they did. And claims handling becomes less important. But if you want the best service, also check out Chubb, PURE, AIG & Nationwide Private Client We do generally self-insure; we only made the claim (which paid us ~$2K) because...
by NORDO
Thu Feb 06, 2020 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2447

Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

We've had Amica for about a decade and have been extremely happy with them for claims and overall service - and price has always been competitive. Long story short, we made a claim on some scheduled personal property last year. At the time, the claims agent assured us it would not impact our rates. ...
by NORDO
Sat Sep 07, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Yesterday I locked a 3.5% 30-year cash-out mortgage with Lenderfi. Total loan fees are $298 + escrow which will be around $4293. I consider escrow to pretty much be money I need to pay anyway and $2,800 of it is already in my current escrow that will come back. Also, if rates are down by .25% or mo...
by NORDO
Fri Sep 06, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Insurance
Replies: 64
Views: 4618

Re: Wedding/Engagement Ring Insurance

We use Jeweler's Mutual. I would think if you put a ring on your homeowner's insurance and then need to make a claim, your premiums for the entire policy, not just the rider will go up? It very well might. My wife's ring was damaged (it cracked and some stones - not the center one - fell out) so we...
by NORDO
Fri Sep 06, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8037
Views: 560541

Re: Refinance Mega Thread

Have been shopping heavily over the past month for the house we bought about a year ago. Both of us have 790+ FICO. Original mortgage $275K @ 4.25% / 30 yrs on $320K house, currently $271K remaining at estimated $325K value so 83% LTV. Best local offer right now is $271K @ 3.5% / 30 years for $1100 ...
by NORDO
Fri Sep 06, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: How often do you receive out-of-sequence pay bumps?
Replies: 56
Views: 3607

Re: How often do you receive out-of-sequence pay bumps?

I've received a couple off-cycle raises (not tied to promotions) over the years. Largest was 15%. Since entering the workforce, I've averaged an 11.8% annual increase on my base salary. 2008-08 +2% 2010-06 +8% 2011-11 +13% 2013-05 +15% (off-cycle) 2013-11 +2% 2014-10 +2% 2016-06 +10% (off-cycle) 201...
by NORDO
Fri Sep 06, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Insurance
Replies: 64
Views: 4618

Re: Wedding/Engagement Ring Insurance

We use Jeweler's Mutual. I would think if you put a ring on your homeowner's insurance and then need to make a claim, your premiums for the entire policy, not just the rider will go up? It very well might. My wife's ring was damaged (it cracked and some stones - not the center one - fell out) so we...
by NORDO
Wed Aug 21, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7905

Re: Are there advantages to being married to a teacher?

The good benefits (health, vision, dental) are mostly a myth. When my wife was a public school teacher we waived all her benefits and just elected for mine (publicly traded tech company) Probably varies greatly by jurisdiction. My stepfather's benefits are significantly better than those offered by...
by NORDO
Sun Dec 02, 2018 3:26 am
Forum: US Chapters
Topic: New Columbus, Ohio Chapter
Replies: 146
Views: 40465

Re: New Columbus, Ohio Chapter

Don't know that I'll be able to make this week's meeting but hoping to join you all sometime soon. The Cincinnati chapter appears to be defunct / on hiatus and you're the next-closest option! 8-) In all seriousness, glad to see there's another active group of Bogleheads in Ohio. There were very few ...
by NORDO
Mon Oct 15, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: High APY Checking
Replies: 10
Views: 1333

Re: High APY Checking

We've been very happy with Alliant Credit Union as our primary bank for years now. Currently paying 0.65% on checking and 1.90% on savings. No fees for either account. Quick ACH. Easy mobile/online check deposit up to $50K. Refund up to $20 in ATM fees every month (though they have a giant network o...
by NORDO
Wed Feb 21, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 7001

Re: How much life insurance - and for how long?

Appreciate all the feedback and sorry I disappeared for a week - last week was a tad busy for me. Good points all around and a few more good things to ponder before making the final decision. Pretty certain we lean the 20/30 ladder - a big part is that, to avoid aviation exclusions for myself, short...
by NORDO
Sun Feb 11, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 7001

Re: How much life insurance - and for how long?

One final round of thoughts/questions on this - thanks again everyone! Doing the math on expenses, and assuming maintaining essentially the exact same standard of living including continuing to fully fund a Roth and 529s for 2 kids, my numbers actually suggest my spouse needs to carry higher coverag...
by NORDO
Wed Feb 07, 2018 12:43 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 7001

Re: How much life insurance - and for how long?

So... got a few more quotes in. Not all are with companies I'm familiar with. Accordia seems to have some less-than-stellar reviews if their BBB page is to be believed. Banner's always been highly regarded in my mind. I'm not particularly familiar with NA, Ameritas, AG, or AXA. Anyone care to commen...
by NORDO
Tue Jan 30, 2018 11:09 pm
Forum: Personal Investments
Topic: TD Ameritrade $75 Account Transfer Fee
Replies: 15
Views: 10621

Re: TD Ameritrade $75 Account Transfer Fee

OldSport wrote: Mon Jan 29, 2018 11:51 pm To avoid the $75 transfer fee, do you need to push in kind from Scottrade to the new brokerage, or have the new brokerage pull in kind from Scottrade?
Not sure, but I initiated the pull from Vanguard.
by NORDO
Mon Jan 29, 2018 11:41 pm
Forum: Personal Investments
Topic: TD Ameritrade $75 Account Transfer Fee
Replies: 15
Views: 10621

Re: TD Ameritrade $75 Account Transfer Fee

I'm in the process of moving my entire Scottrade account in-kind to Vanguard. Never had any issues with them (I barely trade anything in taxable - literally less than once per year) but I figured I might as well take advantage of the current $0 transfer fee before the TD Ameritrade switch is complete.
by NORDO
Mon Jan 29, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 7001

Re: How much life insurance - and for how long?

$1.5 million on you $0.750 million on your wife Time value of money - inflation reduces value of a dollar. First policy I took out, cost of college was half! Today cost has doubled!! Prices of things have gone up and point of reaching self-insured stage is still a ways off. Figure you want survivor...
by NORDO
Mon Jan 29, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 7001

Re: How much life insurance - and for how long?

And just to be clear, everyone here thinks a ballpark $10,000 annual premium into a Hancock VUL policy is completely insane and I'm totally, utterly better off putting that money into a 457 for the wife or some other tax-advantaged space if we choose to buy term and invest the difference, right? Cr...