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MilleniumBuc

Back in Oct, we re-fi'd with a local lender largely to do with still having a HELOC, and several online lenders not willing to mess with subordination. I'd like to refi soon-ish into the new year, was planning on targeting LenderFi, but had some questions... We want to waive escrow, but I believe L...

MilleniumBuc

Same here. Bought the 2 year subscription when it came out on the higher level. Last June I switched down to the basic level and it was just a mess. The basic level only deals with checking/savings and credit card accounts. Can’t create loan accounts or paychecks and those accounts created that way ...

MilleniumBuc

Does not sound right. Not sure if it’s a state-by-state thing, but at least in Florida our builder was very pushy about their preferred lender, and did warn us that if we chose another lender and they did not meet the date, they had stipulations in the contract that we could lose the house and the d...

MilleniumBuc

Can someone give inputs on if this reasonable deal from "Better" , iam in IL. ? My goal here is to pay off my mortgage sooner and pay less interest overall. My current rate is 3.375% on 30 year fixed Rate:2.375 Payment:$1,682 APR:2.49% Loan Amount:$254,557 Closing Fees:$3843 (orig fees,A:...

MilleniumBuc

I’ve been very pleased with the Sam’s club in-house brand - Members Mark - for both the XL bath towels (3-4 years) and the beach towels (over 8 years). Previous to that spend $20-30 at Macy’s and $15-20 at Kohl’s for these types of towels, and they didn’t last more than 2-3 years before the ends sta...

MilleniumBuc

Thanks for the post. I just went on chrome and there is a "Safety Check" under settings that will do the check for you, since I had never seen any messages indicating a compromised password. Good thing is that it passed at safe. Bad thing is that I somehow have 489 passwords saved on Chrom...

MilleniumBuc

I was finally able to register to the new Lenderfi servicing site. I was about to set a payment for next month, but got the following message: "Online payments not allowed: Online Payments not allowed, please call Customer Care to make a payment." But if I go to recurring payment, I can s...

MilleniumBuc

I was finally able to register to the new Lenderfi servicing site. I was about to set a payment for next month, but got the following message: "Online payments not allowed: Online Payments not allowed, please call Customer Care to make a payment." But if I go to recurring payment, I can se...

MilleniumBuc

I just did a refi and it didn’t show up on my credit until after the statement that was created after my first payment (statement for payment #2. )

MilleniumBuc

...but now that I saw many people transferred to Mr Cooper (nation star) from whom I just ran away, I hope I stay with Lenderfi. Mr Cooper was so generous in offering a whole point reduction (4.265 to 3.265) and no cost closing with a 5.18% apr. I just learned that my LenderFi mortgage is being tra...

MilleniumBuc

Has anyone who closed a few months or so ago have their mortgage continue to be service by lenderfi? I emailed a rep who contacted me about my upcoming payment. she responded by saying "we will be servicing your loan" after I asked if there are plans of selling it. I have, and it was at L...

MilleniumBuc

I’ve had progressive for over 10 years and their new policy documentation has been like clockwork. My renewals are 3/15 and 9/15 and the policy renewal documents show up online the month before, usually the 10-12 of the previous month.

MilleniumBuc

I closed my loan 3 weeks ago. And, no word from servicing on how to pay my mortgage payments. My payment is due Oct 1. Tried calling "Diego Alvarado" from whom I got last email 3 weeks ago saying : We will send you temporary coupons with the address and instructions on how to make your fi...

MilleniumBuc

That should be a simple question, but it's not. Sigh. If she provides the care in your home, she may be considered a household employee and subject to a lot of paperwork. But if she provides the care at her own home, then you still have to determine according to the IRS rules whether she's an indep...

MilleniumBuc

10 years of BCBS federal and never had a major issue. Only 1 event where they refused to pay and put on the EOB that the Hospital needed to submit a specific paper and the Hospital was calling us to shame us into “you are ultimately responsible “. But the rejection was valid because the Hospital “ch...

MilleniumBuc

I dislike any "points" type card and will only do cash back. I know the value of cash but as we have learned during the pandemic, points values can be very fickle. I have a 2.5% cash back card which pays 2.5% on every purchase made regardless of where or what. I pay it off every month and...

MilleniumBuc

Another data point (almost complete): 8/03 - applied through backdoor link, near midnight. Hi! Can you tell me where the backdoor link is? I did a search for LenderFi but as expected a bunch of threads came up. Thank you! https://app.lenderfi.com/app/signup/partner/C8AX0T65 I just copied that from ...

MilleniumBuc

So I finally received a "loan estimate" from Loan Cabin. It's marked Draft. And includes about $2500 in prepaid property tax - but is marked no escrow? Can someone explain why tax would be prepaid if there is no escrow? It also looks like $1300 in "closing cost financed." I'm as...

MilleniumBuc

Another data point (almost complete): 8/03 - applied through backdoor link, near midnight. 8/04 - called by Lenderfi at 11 am, quick “what do you have and this is a good offer, better than the rates last night. Will you close with us if we do this?” Type of call. I said yes and he sent the paperwork...

MilleniumBuc

Aug 3 applicant here (back door) and got my final closing disclosure documents on 8/20 with a closing date of 8/24 (today) but never heard from them or Amrock regarding closing. It’s a little too rushed for me and sometimes you are not sure who is running point, but at the end of the day, the will ...

MilleniumBuc

Thanks for the clarification. So you applied prior to July 9th and didn't close yet??? We applied Aug. 7 and the banner was not present at that time. I saw it at some point prior to our app date and it came back not too long afterwards. I guess there was a window when they were accepting new apps. ...

MilleniumBuc

In Florida, my insurance has a discount for shutters. I’ve was told by the insurance agent that if a hurricane hits and you don’t have your shutters on, they wind pay for the hurricane damage.

MilleniumBuc

Part of getting a new hire is to compensate them enough that the financial aspect is not the first thing in their mind. You don’t want to lose the investment in the new employee by losing them over a few thousand more over the first few years. I would be happy for a prospective employee to tell me t...

MilleniumBuc

I verbally locked with my loan officer on the 12th. He sent an email requesting documents right after hanging up. I uploaded my documents that same day. It's now been 7 days and I haven't received a locked loan estimate or rate lock disclosure to sign. Is this normal? Mine was the next day after ha...

MilleniumBuc

Wow. Interesting. I was super prompt and responded to them right away. Not sure what I could have done better. I am real organized and got them everything they asked for within minutes. I don’t want to say much more to identify myself. Glad it went well for so many of you! I know what you mean. I s...

MilleniumBuc

Wow. Interesting. I was super prompt and responded to them right away. Not sure what I could have done better. I am real organized and got them everything they asked for within minutes. I don’t want to say much more to identify myself. Glad it went well for so many of you! I know what you mean. I s...

MilleniumBuc

Maybe it won’t work because of the urgency, but at my company it’s encouraged to do Fedex overnight with early morning delivery to our smaller offices within the state, even one at about 60 miles from us. Check with the client to see if it’s ok to receive all this paperwork by 9 am the next morning,...

MilleniumBuc

Are you supposed to just create an account via the backdoor link and wait for somebody to call you or proceed with providing all the information? Will that be a hard pull? That is what I did on 8/3 around midnight east coast, and received a call the following day at noon, 9 am their time, with an o...

MilleniumBuc

With the free ride over, should I keep my lock with Rocket Mortgage at 1.99% but 9000 in fees and 8000 in prepaid escrows rolled into the loan, with escrow of 6500 from old lender and 2500 Amex credit, with an overall 15 year interest of 39500 and be done with refinance? Or go with Lenderfi locked 2...

MilleniumBuc

Thanks to all in this thread for your constant updates. I have finally locked down my rate with Quicken Loans / Rocket Mortgage through the AMEX $2500 offer. I found a buy down rate for me based on all the searching I have done that was too good to play games with. 15 year - 1.99% with 1.875 buy do...

MilleniumBuc

Thanks to all in this thread for your constant updates. I have finally locked down my rate with Quicken Loans / Rocket Mortgage through the AMEX $2500 offer. I found a buy down rate for me based on all the searching I have done that was too good to play games with. 15 year - 1.99% with 1.875 buy dow...

MilleniumBuc

I just saw that my local credit union, midflorida is offering 2.5% cash back on their Visa signature card. It used to be a 1.5% cash back. They are expanding and have a foot print from Naples to Gainesville and from Tampa to Orlando. https://www.midflorida.com/loans-and-mortgages/credit-cards/signat...

MilleniumBuc

Can anyone give me a sanity check...I'm coming from a 4.5%, but my quotes are coming in higher than what I'm seeing in this thread. All for 30-year fixed, no-cost. LD 3.5% Better 3.625% LenderFi 3.375% Loan of $234K Home Value of $312K, so LTV is 75%. Credit 750+. I've been carrying a CC balance to...

MilleniumBuc

Hello Bogleheads, I am hoping you can help me understand how the mechanics of the IRS allowing Mid-Year FSA Changes in 2020. Here is the scenario we are in : - December of 2019 we elected to have $500 withheld for our FSA for 2020. - June of 2020 we had a dental bill of $1,500 - July-Aug 2020 Mid Y...

MilleniumBuc

Just closed today - refinanced to 2.5%, 15 years, conventional loan. Many thanks to Bogleheads for introducing me to Lenderfi. I applied through Lenderfi and was conditionally approved for 2.5%. I then took that rate to my existing lender and asked them to beat it. They were willing to match the ra...

MilleniumBuc

The other thing to consider is if they will process them by FIFO or LIFO. Depending how things have been stacked at either the post office (not delivered) or at the IRS (received but not sorted), there is a good possibility that the first ones in could be the last ones processed.

MilleniumBuc

From the IRS: IRS operational status and alternatives If you already have filed via paper but it has not yet been processed, do not file a second tax return or write to the IRS to inquire about the status of your return or your economic impact payment. https://www.irs.gov/newsroom/irs-urges-taxpaye...

MilleniumBuc

From the IRS: IRS operational status and alternatives Paper Tax Returns: All taxpayers should file electronically through their tax preparer, tax software provider or IRS Free File if possible. The IRS is not currently able to process individual paper tax returns. If you already have filed via paper...

MilleniumBuc

Here is a con that I read about, that contradicts the no credit report effect. Please ensure with your lender and o would suggest to get it all in writing. Do not go into any forbearance on a mortgage unless it is absolutely necessary. It will hurt your ability to obtain financing (new purchase/refi...

MilleniumBuc

Find a kids camp that hasn't cancelled (yet) and is still accepting payment. Pay and file for FSA reimbursement asap... maybe you'll get a refund down the road when they cancel. Or pay the family member who picked up the kids for past service. Don’t think he can do that since it’s not based on paym...

MilleniumBuc

They hired you as a specialist. When things cannot get done in the timeframe they ask you have to stand your ground and tell them it cannot be done and give them x, y and z reasons. Their delay in getting someone in that position and pushing and placing others in a rush deadline where they expect yo...

MilleniumBuc

The part I would ask a question on is if the 6 on-time payments only apply if they keep the loan or does also apply if they sell the loan. From reading the big thread they been unloading about 90% of loans written.

MilleniumBuc

Civil engineer, Transportation field. 16 yrs exp, MCOL (FL), about $120k full time (45 hrs). No advanced degrees. Megacorp. Design work, supervising designers and young engineers. Have been asked to go into PM work, but avoid it for my sanity. No bonuses in this role other than project bonuses. 50% ...

MilleniumBuc

You should have the option to roll over to another 401k, if starting a new job.

If the wording is what you have, you have tax + penalty on the first. Tax on the second, and bad choice on the third one. Make sure that are the only choices before proceeding.

MilleniumBuc

Never done a private auto transaction, do people write a contract between two private individuals when doing this? I would think people would write something down (agreement, contract, etc) when involving large amounts of money. Or is it not common? Again, as bad as it is for OP, I see most of these...

MilleniumBuc

Thinking back to my younger days, I loved picking up a letter book from the encyclopedia set (world book encyclopedia?) and just randomly learn about different subjects.

MilleniumBuc

Long ago in late September, we needed coats for the 50-60 degree plus rainy weather in Venice. I would imagine to be much colder in the other northern cities.

MilleniumBuc

My old dentist had to bill BCBS health, and wait months for like 8 dollars, before the dental would pay. I think they scraped just a little harder because of it. With my new one, I purposely looked for one that didn’t take BCBS and only United Concordia. I don’t think the price is bad (about 1100 a ...

MilleniumBuc

Ours is on automatic reimbursement and as long as an EOB is generated, the co-pay is usually deposited. Nothing else to do. Also federal FSAFEDS.

ETA: Some payments have been cash, others credit card and others with the BCBS card that you get money in for doing the health survey yearly.

MilleniumBuc

Traffic Engineer in large mega Corp - 0-5%. Jobs never end because we are always juggling 5-10 jobs that are active and with deadlines. And if they slow down, there is always the marketing for new work or the usual “out of nowhere” crisis with a client that is being pushed by politicians to solve. U...

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