Search found 359 matches

by easye418
Fri Sep 11, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

just locked 2.625% 30 year in TX with LenderFi.

:sharebeer

Started with 3.75%>3.25% no cost + $2500 AMEX credit> 2.625% no cost
by easye418
Fri Sep 11, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

you guys are getting great rates. In TX, LTV 78%, 2.875% 30 year, with a $2800 lender credit. I was just offered a 30 yr for 2.5% (no closing costs) or a 25 yr loan for 2.625 (no closing costs). I'm in SoCal. Incredible. I've called around other lenders, I am still hitting the 2.875% no cost for he...
by easye418
Thu Sep 10, 2020 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

beingzero wrote: Thu Sep 10, 2020 2:42 pm
easye418 wrote: Thu Sep 10, 2020 2:18 pm can anyone give me someone to talk to at Loan Cabin?
I have tried several numbers and they all go to VM.
Got it. Thanks.
by easye418
Thu Sep 10, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

can anyone give me someone to talk to at Loan Cabin?
by easye418
Thu Sep 10, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

you guys are getting great rates.

In TX, LTV 78%, 2.875% 30 year, with a $2800 lender credit.
by easye418
Thu Sep 10, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

I have the Better credit sitting in my AMEX ready to get cut to check.

Is there any data on potential clawback?

I refi-ed quickly to get the credit @ 3.25%, but now, LenderFi can offer me a 2.875% no cost re-fi.

Just want to make sure, want to get in before December new refi fee hits.
by easye418
Thu Jul 16, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

It has been confirmed multiple times that you did not have to be targeted by Amex to take advantage of the offer. Not sure who you follow up with if you don't receive the credit though. I contacted American Express' "Digital Assistance" Team @ 800-297-7500 (I originally called the number ...
by easye418
Thu Jul 16, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

How long after closing did you guys receive your Amex credit? I know it says 8-12 weeks. But curious if it really takes that long. I did a search in a reddit AMEX discussion site and found that people are reporting that they got their credit in a about a month. I wish I was that lucky. I'm past two...
by easye418
Thu Jun 18, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

I already did appraisal with Better.com and have the report, but I may have to find a new lender now because Better.com has some issue with my 2nd mortgage that I’m keeping. They were supposed to let me know whether they can proceed by yesterday, but they didn’t. Better.com was really good when the...
by easye418
Thu Jun 18, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

So far not impressed with Better.com. They seem worse to me and your"concierge" is a joke- always unreachable. I'd bail if it weren't for the $2500 amex credit after closing. Agreed, process has been horrendous, the team sucks. Disorganized, the first lady I talked to was ignorant. I thou...
by easye418
Thu Jun 11, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Regardless, I think the timing is a bit unfortunate for me, because the 30-year fixed rate mortgage average published on stlouisfed.org is actually Freddie Mac's Primary Mortgage Market Survey (http://www.freddiemac.com/pmms/). They explain that the rates reflect loans offered Monday through Wednes...
by easye418
Thu Jun 11, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

LenderFi quoted me 3.0% with $1,100 credit (or 2.875% with $250 in points). I am almost at the finish line with Better but I am seeing if they will throw me a bone.

Currently locked at 3.25% with $1700 credit, if they match, it would be 3.0% with $600 credit. $1100 difference or 2.3 yr break even.
by easye418
Tue May 19, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Has anyone refinanced in Texas? I am not able to find these sub-3% rates without points (and forget no-fee refinance). I'm wondering what my Texas neighbors are finding. I locked a 3.25% 30 year for no cost (when you including the Better credit, I make $1000). Since I have to subordinate a 2nd lien...
by easye418
Tue May 19, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Has anyone refinanced in Texas? I am not able to find these sub-3% rates without points (and forget no-fee refinance). I'm wondering what my Texas neighbors are finding. I locked a 3.25% 30 year for no cost (when you including the Better credit, I make $1000). Since I have to subordinate a 2nd lien...
by easye418
Thu Apr 23, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Made an account here to say thanks to everyone contributing to this thread. I was able to score a great deal because of you guys. I used the Amex deal thru better.com so it’s a 50/50 chance of getting the statement credit but I still had a great deal even if it doesn’t work out. I was 3 years into ...
by easye418
Tue Apr 21, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

I locked last night with AIM 30yr 3.25% with $90 lender fee - I'll be coming down from 4.125% and 10 months into a 30yr. They are providing a credit for appraisal as I was able to have the appraisal waived. Was waiting for 3.125% with no/low fee but over the long haul the difference between 3.125 v...
by easye418
Mon Apr 20, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

First time refinancer hopeful. When you all say ‘closing costs’, are you referring to what you will be paying out of pocket at closing, or are you referring to the whole kit and caboodle: Origination fees Discount points Appraisal fee Title-Lender Title Insurance And the list goes on....to $11K! Ro...
by easye418
Sun Apr 19, 2020 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Someone on this thread had mentioned Northpointe. So, I reached out to them to get an estimate. They sent me a Closing Costs Worksheet. I sent that to Better to ask if they could beat that price. Better mentioned that I need to get an official loan estimate for them to determine if they could do a ...
by easye418
Fri Apr 17, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

LenderFi was great when I spoke with the guy, website a bit clunky. I have to subordinate a 2nd loan but he still got me at 3.25% for low closing cost. Take the Loan Estimate to Better for the $2500 credit. Would have went with him if it wasn't for the $2500 credit. Better.com is a bit difficult to...
by easye418
Fri Apr 17, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

LenderFi was great when I spoke with the guy, website a bit clunky. I have to subordinate a 2nd loan but he still got me at 3.25% for low closing cost. Take the Loan Estimate to Better for the $2500 credit. Would have went with him if it wasn't for the $2500 credit. Better.com is a bit difficult to ...
by easye418
Fri Apr 17, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Got pretty much a 30 year 3.25% no cost refi using the Better AMEX credit. Might just take that.

I had a 3.375%, $1k cost cash out refi but the appraisal didn't come back.
by easye418
Thu Apr 16, 2020 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Dang, I am tempted to do the Northpointe 2.625% 15 year just offered instead of the 3.375% 30 year (cash out refi). Tough choice. Think I am leaning 30 year for flexibility if necessary. Edit: LOL nevermind. Northpointe wanted like $9K in points to get to 3.375% on a 30, gonna keep my 3.375% 30 for ...
by easye418
Thu Apr 16, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Can you provide any additional info on your loan? I've checked LenderFi 3 times throughout the day and the best no cost rate was 3.75. 510k conforming (bringing in a little cash to get down to this balance), ~30% LTV (SF bay area with a lot of appreciation over the last 7 years), excellent credit s...
by easye418
Thu Apr 16, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Bit the bullet and locked 3% 30yr fixed with LenderFi today. We were offered 3.125 no cost or $400 for the 3%. We spent the $400. I feel like rates may drift downward and maybe hit bottom in June but I'd rather just get this thing closed and start enjoying the lower payment, it's a lot of savings c...
by easye418
Wed Apr 15, 2020 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Currently: 3.75%, 30 year, $289K 318 months left 5.99%, 20 year, $24K 144 payments left New: 3.375%, 30 year, $313K, total closing cost $3.5K - $2.5K credit = $1K Lender kinda pushed me to lock in so they could get the appraisal going. She said if rates drop, they could still match. Payment will go ...
by easye418
Wed Apr 15, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

hm, my lending threw out the idea of doing a cash out refi to scoop up my home improvement loan. Current: 3.75% 30 year $1450 P&I, and 5.99% 20 year $221 P&I. $1671 total. New: 3.375% 30 year, $1406, $3445 closing (inc $1000 lender credit) or I could always do the Northpointe 2.75% 15 year f...
by easye418
Tue Apr 14, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Hey guys, sorry I am little confused. currently: $289K out of $314k, 4 years into 30 years @ 3.75% new: 30 year @ 3.25%, $3K closing ($2500 better credit) OR 15 year @ 2.65% (2.75% APR) One lender said I would be insane to reset to 30 year for 3.25%, he said I should only be looking at 15 year. Is ...
by easye418
Tue Apr 14, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Better had terrible rates. They wanted me to pay $7K in pts for a 3.25% 30 year. I was floored at how bad it was. Even with the credit and free appraisal, it doesn't make sense. They will beat any other lender’s loan estimate by $1000. Google better price guarantee. Combines just fine with $2500 cr...
by easye418
Tue Apr 14, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Better had terrible rates. They wanted me to pay $7K in pts for a 3.25% 30 year. I was floored at how bad it was. Even with the credit and free appraisal, it doesn't make sense.
by easye418
Tue Apr 14, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Hey guys, sorry I am little confused. currently: $289K out of $314k, 4 years into 30 years @ 3.75% new: 30 year @ 3.25%, $3K closing ($2500 better credit) OR 15 year @ 2.65% (2.75% APR) One lender said I would be insane to reset to 30 year for 3.25%, he said I should only be looking at 15 year. Is ...
by easye418
Tue Apr 14, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Hey guys, sorry I am little confused. currently: $289K out of $314k, 4 years into 30 years @ 3.75% new: 30 year @ 3.25%, $3K closing ($2500 better credit) OR 15 year @ 2.65% (2.75% APR) One lender said I would be insane to reset to 30 year for 3.25%, he said I should only be looking at 15 year. Is ...
by easye418
Tue Apr 14, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8035
Views: 560345

Re: Refinance Mega Thread

Hey guys, sorry I am little confused. currently: $289K out of $314k, 4 years into 30 years @ 3.75% new: 30 year @ 3.25%, $3K closing ($2500 better credit) OR 15 year @ 2.65% (2.75% APR) One lender said I would be insane to reset to 30 year for 3.25%, he said I should only be looking at 15 year. Is h...
by easye418
Mon Jan 27, 2020 6:13 pm
Forum: Personal Investments
Topic: Re-invest my RMD: Up 401K % or open ROTH IRA?
Replies: 3
Views: 498

Re-invest my RMD: Up 401K % or open ROTH IRA?

So I think I kinda screwed this up (nothing CRAZY but still not optimal) 2019 gross MFJ income: ~$205K (won't be this high in 2020, probably $185k, had a sign on bonus and bonus pay out in same year) - $125K sitting in an inherited IRA going over the 30 year stretch withdrawal rule, I believe it is ...
by easye418
Thu Jan 17, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 62310

Re: John Bogle has died at age 89

Thank you Jack and RIP.
by easye418
Tue Apr 11, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 3178

Re: Need help picking term life policy (updated 04/10)

Term life insurance is cheap at your age. We got ours at about your age when we had our first child. I suggest the 30yr term for $1M for each you and your wife. We got that and it was about $700/yr for female, $900/yr for male. Since it's cheap, don't skimp with a 20yr policy or less than $1M. You ...
by easye418
Mon Apr 10, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 3178

Re: Need help picking term life policy (updated 04/10)

So I ended up going through my insurance company (Amica), they have highest rating A+, they were extremely fair on my past history (both parents passing), and I got approved for a 30 year, $1MM for $78 dollars a month (plus it will knock $42 dollars off my car insurance). I got approved for the 2nd ...
by easye418
Fri Mar 24, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 3178

Re: Need help picking term life policy (updated)

Agent #1 sounds good, agent #2 a little over the top. Standard is probably correct best-case for psoriatic arthritis with those meds, possibly standard-plus as a stretch. Agent #1 sounds good, agent #2 a little over the top. Standard is probably correct best-case for psoriatic arthritis with those ...
by easye418
Fri Mar 24, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 3178

Re: Need help picking term life policy

So I went through TERM4SALE and spoke with 2 independent agents (I was tired after the 2nd so I just let the 3rd know I am educating myself)... Wow-wee. You really need to be careful with those calculators, Preferred Plus health rating..... :oops: Both agents were actually quite informative... 1. No...
by easye418
Mon Mar 06, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 3178

Re: Need help picking term life policy

Your parents' history of cancer with one of them dying prior to age 60 complicates your picture a bit. There are only a few insurance companies that will offer you a preferred plus rate. Make sure you're applying with one of those companies. An independent agent should be able to steer you to the c...
by easye418
Mon Mar 06, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Need help picking term life policy (updated 04/10)
Replies: 33
Views: 3178

Need help picking term life policy (updated 04/10)

Hello, I was on TERM4SALE.com and I really am undecided on really how much and how long of a policy I need? Here is the relevant info: Me: 28/Male/Both parents died of cancer (mother at 55 (Breast)/father at 62 (fatty tissue)/Non Smoker/ Healthy Wife: 27/Female/Both parents still living/ Healthy/ No...
by easye418
Mon Feb 15, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help with shopping 30 yr rates...
Replies: 5
Views: 1201

Re: Help with shopping 30 yr rates...

All, I am looking for some wisdom here as I am trying to get the best possible rate on a 30 year mortgage. This will be my 2nd mortgage (1st was at 4.125%). What are the best places to search? I have a guy I use but I want to keep him honest and make sure I am getting the best loan for my family. I...
by easye418
Mon Feb 15, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my mortgage
Replies: 30
Views: 3282

Re: Should I refinance my mortgage

I am 34 years old and my wife is 29, and we are debating if we should refinance our 30 years fixed mortgage and would like to 2. 30 year fixed - Rate : 3.125% - APR : 3.299% - Monthly Payment : $1,477 - Closing Cost : $8,632 I echo the other poster.... where are you finding a 30 year at 3.29% APR? ...
by easye418
Mon Feb 15, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Help with shopping 30 yr rates...
Replies: 5
Views: 1201

Help with shopping 30 yr rates...

All, I am looking for some wisdom here as I am trying to get the best possible rate on a 30 year mortgage. This will be my 2nd mortgage (1st was at 4.125%). What are the best places to search? I have a guy I use but I want to keep him honest and make sure I am getting the best loan for my family. I ...
by easye418
Mon Feb 15, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my mortgage
Replies: 30
Views: 3282

Re: Should I refinance my mortgage

I am 34 years old and my wife is 29, and we are debating if we should refinance our 30 years fixed mortgage and would like to 2. 30 year fixed - Rate : 3.125% - APR : 3.299% - Monthly Payment : $1,477 - Closing Cost : $8,632 I echo the other poster.... where are you finding a 30 year at 3.29% APR? ...
by easye418
Fri Jan 22, 2016 1:47 pm
Forum: Personal Investments
Topic: New 401k, need input on AA
Replies: 5
Views: 713

Re: New 401k, need input on AA

I don't see all of the expense ratios, but you can certainly do international with a Vanguard choice...just a matter of selecting the ratio of foreign to domestic. You also have a small cap fund, so you can replicate the total US stock market. You did not mention bonds. Do you have another tax-adva...
by easye418
Fri Jan 22, 2016 10:48 am
Forum: Personal Investments
Topic: New 401k, need input on AA
Replies: 5
Views: 713

New 401k, need input on AA

I am 99.999% sure I am going to go 100% in VFINX. However, I might not mind diversifying with a little international and 10% bonds in VFFVX. Only reason I am questioning because some of these funds I have never seen before, not sure if my company is offering me a premium choice. Thank you! Tax Filin...
by easye418
Thu Jan 07, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: (Solved) Home Builder didn't put gutters yet it states it in MLS
Replies: 15
Views: 1725

Re: Home Builder didn't put gutters yet it states it in MLS

Wow. Thank you for all the responses. Apparently, the Metal Deverters are actually "FHA Gutters". All is well. That is what I thought were the gutters all along but then the builder I was speaking to called them Metal Deverters, not Gutters. There are no issues with my Foundation, I have ...
by easye418
Thu Jan 07, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: (Solved) Home Builder didn't put gutters yet it states it in MLS
Replies: 15
Views: 1725

Re: Home Builder didn't put gutters yet it states it in MLS

Wow. Thank you for all the responses. Apparently, the Metal Deverters are actually "FHA Gutters". All is well. That is what I thought were the gutters all along but then the builder I was speaking to called them Metal Deverters, not Gutters. There are no issues with my Foundation, I have h...
by easye418
Thu Jan 07, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: (Solved) Home Builder didn't put gutters yet it states it in MLS
Replies: 15
Views: 1725

Re: Home Builder didn't put gutters yet it states it in MLS

I'm pretty sure the MLS listing sheet isn't a legally binding agreement for things like that. Mistakes happen. The MLS sheet is mostly an advertisement and the ones I used in IL specifically said at the bottom that mistakes can occur and to verify all information yourself. The only "binding&qu...
by easye418
Thu Jan 07, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: (Solved) Home Builder didn't put gutters yet it states it in MLS
Replies: 15
Views: 1725

Re: Home Builder didn't put Gutters yet it states it in MLS

All, I am putting my house up for sale (today actually) and my new realtor noticed my original MLS listing states "Gutters" as an exterior feature. Not one single gutter is on my house and I have been fighting with eroding grass and standing water for the past 1.5 years. My realtor stated...