Search found 295 matches

by Eurookat
Tue Oct 20, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

I closed on the 14th of Oct, how long does it take for the payoff to go through? For me it was exactly at end of business day 3 days post-close. I received an email that morning stating it was being funded that day. oh right there's that grace period of 3 days in case I wanted to cancel the refi. t...
by Eurookat
Tue Oct 20, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

I closed on the 14th of Oct, how long does it take for the payoff to go through?
by Eurookat
Wed Oct 14, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

Using new LenderFi servicing portal - My prepaid interest at closing is not showing up as a transaction on my loan, or in my YTD interest paid. Anybody else experiencing the same thing? And does this matter? Ultimately I only care because I want to make sure it shows up on any 1098 that they issue ...
by Eurookat
Wed Oct 14, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

we completed our closing today and one of the docs shows that lenderfi will be keeping the loan according to the notary person. the doc shows it's being transferred to their servicing department. does this mean they're going to keep the loan and not sell to let's say wells fargo. I was hoping for a ...
by Eurookat
Sun Oct 11, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

J6shin wrote: Thu Oct 08, 2020 5:37 pm I just signed my initial disclosure with Lenderfi and I was wondering how long before you received the locked disclosure from the loan processor?
for us it seems once a week I hear from my LO. So the week after signed docs, our LO sent us the locked disclosure
by Eurookat
Sun Oct 11, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

Tenesmus83 wrote: Sat Oct 10, 2020 9:25 am how quickly were you guys able to close after uploading all of your documents.
I uploaded my docs around the week of Sept 23 and we are closing this Wednesday.
by Eurookat
Fri Oct 09, 2020 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

Damn my refi is moving along quickly. We started on 9/21 and closing is scheduled for next Wednesday. So question regarding cash I need to bring to closing. A rep from Lenderfi called today and instead of answering my question directly, she just kept on talking and wouldn't give me a straight answer...
by Eurookat
Sat Oct 03, 2020 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

I'm on track to close before the end of this month and Brad mentioned my first payment would be Nov 1st. I know there's a 15 day grace period but I don't like paying my mortgage that late. With the way amortization tables work, I don’t think you can have a regular payment due the month after you cl...
by Eurookat
Sat Oct 03, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

Refinance, 2.5%, 30yr fixed no cost - 1) Loan initiated 1-Sep 2) Loan approval 18-Sep 3) Draft closure documents received 21-Sep 4) Loan closed 23-Sep 5) Loan funded 29-Sep Very pleased with overall Lenderfi experience thus far, team working on our refinance was extremely fast and efficient both pr...
by Eurookat
Sat Oct 03, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

Refinance, 2.5%, 30yr fixed no cost - 1) Loan initiated 1-Sep 2) Loan approval 18-Sep 3) Draft closure documents received 21-Sep 4) Loan closed 23-Sep 5) Loan funded 29-Sep Very pleased with overall Lenderfi experience thus far, team working on our refinance was extremely fast and efficient both pr...
by Eurookat
Mon Sep 21, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 137
Views: 12007

Re: who do you bank with and why?

Wells Fargo. I don't particularly like them, but they're everywhere. my wife has been a customer since the wachovia days. I'm an ally guy, then we got married and she refuses to switch over to an online bank. I lost so our main bank is with WF and our savings is at Ally. can't win em all but I do m...
by Eurookat
Mon Sep 21, 2020 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

oh man I'm def gonna be watching this thread. my loan is "scheduled" to close around 10/23 and first payment is due 11/1. Im gonna flip if I miss that first payment. :) Payment can't be so soon after closing. Most likely 12/1 due date for first payment. I didn't think so either, just going by what ...
by Eurookat
Mon Sep 21, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

I have been having issue with servicing post close. At the table they told me servicing would be sold, and to wait to get info from the "interim servicing" department before mailing a payment. No problem, not unusual... Never heard anything after that and finally had to call/email the week before m...
by Eurookat
Mon Sep 21, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7427
Views: 506998

Re: Refinance Mega Thread

this is my first refi how are escrow handled? the rep I spoke to today said they would ask for 8months worth of escrow. I believe one of my taxes were just dispersed (June I wanna say) and I have like 1300 sitting in my escrow balancer. I think another draw is happening in Feb. would my current mort...
by Eurookat
Mon Sep 21, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7427
Views: 506998

Re: Refinance Mega Thread

I got back an updated LE from LF after verbally locking. It's suppose to be no escrow refi but I still see costs in Section G. Section F Homeowners Insurance - $0 Mortgage Insurance - $0 Prepaid Interest - $27.47 x 21 days @ 2.625% - $577 Property Taxes - $0 Section G Homeowners Insurance - $60 x 1...
by Eurookat
Mon Sep 21, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

Started my application today. Rep says we should be able to close within 30 days. Here's hoping that's true. Wow I can't believe the interest I save by going to a 20yr at 2.75
by Eurookat
Mon Sep 21, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

I take it I can pay that out of pocket? what's the consensus on doing that? assuming one can pay out of pocket and plans on living in the house forever. Yes, you can just pay it out of pocket. I'd ask, though - Are you going to have an escrow account? A lot of that amount being capitalized into you...
by Eurookat
Mon Sep 21, 2020 8:08 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

I take it I can pay that out of pocket? what's the consensus on doing that? assuming one can pay out of pocket and plans on living in the house forever.
by Eurookat
Mon Sep 21, 2020 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7427
Views: 506998

Re: Refinance Mega Thread

I noticed better is enforcing the fee by the FHA (whatever that's called). are aimloan and lenderfi doing the same? I couldn't find it on their website..I just started the process of applying this morning so I'm hoping I don't miss out.
by Eurookat
Mon Sep 21, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123893

Re: My LenderFi refinance is going well

my first time refinancing and I applied via lenderfi. my current balance is 283k, why would my new refi balance show 291k? I sent the LO a msg so hoping to hear back when their office is open
by Eurookat
Mon Aug 24, 2020 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Offer - $100,000 Raise - Would I Be a Fool to Not Accept?
Replies: 94
Views: 7894

Re: New Job Offer - $100,000 Raise - Would I Be a Fool to Not Accept?

I switched jobs a week ago. Same base but my previous job had a bonus structure that ranged between 10%-12% (new job has bonus of 10%). Why did I leave? I was getting too comfortable. No one bothered me but I'm 40 and incant be coasting. In five years if I don't learn new things (I'm in tech), I'll ...
by Eurookat
Wed Jul 22, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a counter offer ...
Replies: 18
Views: 2453

Re: How to get a counter offer ...

Another poster asked an excellent question; what is the culture of your current company regarding working remotely? I took your response to indicate that the culture has not been one where that is widely supported. What has been the culture of the company making you the offer regarding working remo...
by Eurookat
Wed Jul 22, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a counter offer ...
Replies: 18
Views: 2453

Re: How to get a counter offer ...

It all comes down to company culture. If you're one of the only remote employees at your current job, that can lead to issues down the road when everyone goes back into the office. This situation has more risks than a company with many more remote employees. If this is the case, I'd take the new jo...
by Eurookat
Wed Jul 22, 2020 5:41 am
Forum: Personal Finance (Not Investing)
Topic: How to get a counter offer ...
Replies: 18
Views: 2453

Re: How to get a counter offer ...

Im in a similar circumstance myself currently. There are some articles if you use you favorite searching engine on how to do this. From reading around it could go several ways. Your employer agrees, your employer agrees finds your replacement and lets you go or you might be shown the door immediate...
by Eurookat
Wed Jul 22, 2020 5:10 am
Forum: Personal Finance (Not Investing)
Topic: How to get a counter offer ...
Replies: 18
Views: 2453

How to get a counter offer ...

I know the saying, don't take the counter but hear me out. Ive successfully landed a job that is full remote. The pay is the same except I stand to make more because I won't have to pay for the train, my commute and additional taxes for the city I work in. I like where I'm at now. It isn't taxing on...
by Eurookat
Fri Jan 03, 2020 5:14 pm
Forum: Investing - Theory, News & General
Topic: Can anyone get this to be viewable outside of the WSJ paywall?
Replies: 7
Views: 1368

Re: Can anyone get this to be viewable outside of the WSJ paywall?

Raabe34 wrote: Fri Jan 03, 2020 12:56 pm It’s the Hottest Thing in Life Insurance. Are Buyers Aware of the Risks

https://www.wsj.com/articles/its-the-ho ... 1578047405

TIA

https://outline.com/FPLMdm
by Eurookat
Sat Dec 21, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: new mortgage company auditing paperwork
Replies: 15
Views: 1273

Re: new mortgage company auditing paperwork

I work in mortgage auditing and this can happen as part of the new company's due diligence process. There's a bunch of required documentation for each loan. If they find any of it is missing when they buy the loan, they'll often reach out to the borrowers to get it so the loan meets investor guidel...
by Eurookat
Sat Dec 21, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: new mortgage company auditing paperwork
Replies: 15
Views: 1273

new mortgage company auditing paperwork

My SIL was telling my wife that her mortgage sold to another company. New company is scrutinizing paperwork..It's been a little over a year and now all of a sudden they wanted to know where the down payment money came from..I haven't spoken to her directly so that's all I basically know. this seems ...
by Eurookat
Sun Oct 13, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: differences between Schwab account type
Replies: 1
Views: 339

differences between Schwab account type

one is "Joint Tenant with Rights of Survivorship" and the other is "Tenants in Common." I need to stash my money somewhere before I can contribute to my 401k (9/2020). I have a wife and two kids. does it matter which account I pick? once I die, everything goes to my wife and then to the kids when sh...
by Eurookat
Fri Jul 26, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Interest on short term balance
Replies: 4
Views: 471

Re: Ally Savings Interest on short term balance

Not a reason, not to do it, but leave yourself some leeway. I forget if they don't do it, they charge, or I just didn't like the idea of it being in the mail, but bank checks from Ally are problematic one way or another, so you might need/want to make sure you transfer the money to a local bank eno...
by Eurookat
Fri Jul 26, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Interest on short term balance
Replies: 4
Views: 471

Ally Savings Interest on short term balance

We are selling our house and expect to close at the end of August. We stand to net a very large amount, but the plan is to dump most of it as part of a recasting in October (we bought a new house and first mortgage is due in October). My thought was to stash the amount in our Ally savings and then u...
by Eurookat
Tue Jul 09, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: 401k withdrawal for buying a home
Replies: 9
Views: 1224

401k withdrawal for buying a home

Some information ... - Buying a house and selling our current house - Have $40k in 401k from previous job I haven't fully research just yet but someone mentioned to me I may be able to use my 401k towards downpayment for a house. I need to move the $40k out of my former employees account and into a ...
by Eurookat
Tue Jul 02, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Would I pay taxes on proceed of house?
Replies: 2
Views: 490

Would I pay taxes on proceed of house?

We are expecting to close on our home at the end of August. The plan is to take the proceeds from the sale and put it as down payment for our new home. However, we would be buying our new home first (settlement a week before). Our mortgage company allows us to recast the mortgage so we would take a ...
by Eurookat
Mon Jul 01, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lock in 30y Mortgage Rate at 3.875%?
Replies: 56
Views: 5873

Re: Lock in 30y Mortgage Rate at 3.875%?

I locked my 30yr at 3.75 a week ago. I'm seeing 3.625 now, shame but whatever I'm happy.
by Eurookat
Thu Jun 20, 2019 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Sellers assist or reduction in price
Replies: 13
Views: 1122

Re: Sellers assist or reduction in price

We ended up walking. We found a different (cheaper home) that suits our needs better.
by Eurookat
Thu Jun 20, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Those with mortgages with PSECU
Replies: 1
Views: 257

Those with mortgages with PSECU

We applied and got approved for a loan through PSECU. So here's my dilemma. I found a job that is much closer to our new house. Settlement date is slated for 8/20. Underwriting should happen within the next few weeks. It looks like I may be getting an offer for the new job and start date would be 8/...
by Eurookat
Fri Jun 14, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Sellers assist or reduction in price
Replies: 13
Views: 1122

Re: Sellers assist or reduction in price

Little more context. We were going up against other bids and we got the contract. I asked my realtor to run comps and she was seeing comps around 450s from a few yrs ago but this house has a lot of internal upgrades, which drew us to it. We went into contract and did inspections. Home inspection ca...
by Eurookat
Fri Jun 14, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Sellers assist or reduction in price
Replies: 13
Views: 1122

Re: Sellers assist or reduction in price

Little more context. We were going up against other bids and we got the contract. I asked my realtor to run comps and she was seeing comps around 450s from a few yrs ago but this house has a lot of internal upgrades, which drew us to it. We went into contract and did inspections. Home inspection cam...
by Eurookat
Fri Jun 14, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Sellers assist or reduction in price
Replies: 13
Views: 1122

Re: Sellers assist or reduction in price

How's the housing market there? Worst they could say is no, or simply accept a stronger offer (if there are multiple on the table). We walked after the stucco inspection and they came back and said they were stripping it all down and replacing with vinyl siding. That they have to do regardless but ...
by Eurookat
Fri Jun 14, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Sellers assist or reduction in price
Replies: 13
Views: 1122

Sellers assist or reduction in price

We need to respond to the seller and my realtor thinks I should ask for a reduction in price. The house is 462k but we are looking for at least 10k in either a reduction in price or sellers assist. Reason being, we need to fix a patio. The difference in mortgage payment isn't much so I'm torn. Here'...
by Eurookat
Sun May 19, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit union for mortgage?
Replies: 26
Views: 1997

Re: Best credit union for mortgage?

+1 for PSECU if you are eligible. I had a Mortgage with them from 2006-2016 (refi in 2008 and 2013) payoff in 2016. New house, new mortgage with them starting in Dec 2017. Easy payment method (online or automatic) and they handle extra payments correctly each and every time. How's the loan applicat...
by Eurookat
Sat May 18, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit union for mortgage?
Replies: 26
Views: 1997

Re: Best credit union for mortgage?

Navy is only available to military and their family correc
by Eurookat
Fri May 17, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit union for mortgage?
Replies: 26
Views: 1997

Re: Best credit union for mortgage?

Eurookat, What state are you in? I know that Digital Federal Credit Union does not sell their mortgages. I had one with them before I sold that old house. Or, let me be more precise; they may have sold the loan but retained servicing rights within DCU throughout the 8+ years I held the loan. I beli...
by Eurookat
Fri May 17, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit union for mortgage?
Replies: 26
Views: 1997

Best credit union for mortgage?

I know of alliant credit union and was wondering if anyone has experience with them as a mortgage company. What I'm hoping for someone who doesn't end up selling my mortgage 4x. I understand CUs don't do this, is this correct?

Any other good ones I should research?
by Eurookat
Fri May 17, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4596

Re: Reservations about job offer

For people who dismiss job title and only focus on the $$ -- the job title may matter in your search for the next job. This. So I didn't take the offer. The title on the offer letter was changed but he backtracked and said he can't guaranteed mgmt role. I was baffled. Sounds like what the recruiter...
by Eurookat
Thu May 16, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4596

Re: Reservations about job offer

I might be in the minority here, for better or for worse I have grown to not pay much attention to job titles. There's just so much variability as to when a VP is a "real" VP; the difference between a sales engineer and solution architect and so on... I look at three things: a) money / benefits pac...
by Eurookat
Thu May 16, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4596

Re: Reservations about job offer

They may also have internal department candidates who applied for the promotion and anticipate some department morale issues by hiring someone as a lead without lead experience from the outside rather than promoting from within. In either case, if it were me, I would push back to say no unless it’s...
by Eurookat
Thu May 16, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4596

Reservations about job offer

I interviewed and got an offer for a lead tech position. During the interview process the hiring manager set expectations by saying that he didn't want to give me the title until the guys on the team can trust me. He even stated right before we parted ways that he wants me to come in and not act lik...
by Eurookat
Mon May 13, 2019 6:16 am
Forum: Investing - Theory, News & General
Topic: Where to invest when there isn't a 401k available
Replies: 4
Views: 389

Where to invest when there isn't a 401k available

I'm used to maxing my 401k so this will sting for a bit. I started as a contractor and my contract is for 9 months. More than likely I will convert after 3 months. In the meantime, should I dump money that I would put towards my 401k into a brokerage account? I won't get the tax savings but it's som...
by Eurookat
Thu Apr 11, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: HRA vs PPO
Replies: 8
Views: 368

Re: HRA vs PPO

[quote=BeneIRA post_id=4489131 time=1555023411 If I have some kind of illness where I regularly need medication or I regularly go to the doctor, then the PPO plan would possibly make sense. If not, then the HRA seems like a no brainer. [/quote] So I am on meds for the rest of my life but a copay pro...