Search found 94 matches

by Pessimist55
Fri Sep 25, 2020 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

Technically not LFs fault but they are the ones who requested a soft inquiry. I've never had these pulls from prior refinances. I can't take any action even if I wanted to. I haven't repulled my TU but they are still working on it. I just filed a cfpb complaint. In the meantime going to get Ryan or ...
by Pessimist55
Tue Sep 22, 2020 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Severance and Unemployment
Replies: 9
Views: 1660

Re: Severance and Unemployment

Starts after term date/ last day of paycheck
by Pessimist55
Mon Sep 21, 2020 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

I was hit one business day prior to funding. They verified continued employment like 72 hrs to funding as well. As a follow up. Service first came back and said it was an issue w TU. TU will work to fix all that were impacted over the next few days. Just had same thing happen here. Not worth the tro...
by Pessimist55
Thu Sep 17, 2020 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

As a follow up. Service first came back and said it was an issue w TU. TU will work to fix all that were impacted over the next few days.
by Pessimist55
Thu Sep 17, 2020 1:12 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

Go email amber@lenderfi.com She will get in touch w a leslie from servicefir who will then try to fix this for you. Amber will insist it was a soft inquiry and make you call TU To confirm it wasn't a soft inquiry (jump through hoops) I even recorded my call w TU as evidence that LF was smoking. it w...
by Pessimist55
Wed Sep 16, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: better vs lenderfi refi if all else equal
Replies: 10
Views: 627

Re: better vs lenderfi refi if all else equal

My experience w LF is people (loan processor and Ryan) are hard to reach. Slow in responding or just no response. Even hit me w a hard inquiry day prior to funding . Wouldn't recommend if u had a choice. They did close around 40 days
by Pessimist55
Wed Sep 16, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

So an Amber from their compliance team called me. Said they would only do a hard if there was scrutiny on your app. They'd get charged $$ if it was a hard. They already got my cfpb complaint thus they were very responsive. It's in their interest to not to do a hard. It's listed in the regular inquir...
by Pessimist55
Wed Sep 16, 2020 12:16 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

I just filed a cfpb complaint. In the meantime going to get Ryan or whoever is responsible to reverse this as I have an email from my loan processor stating it is supposed to be a soft inquiry. Was yours from SERVICE FIR? Can't be from anyone else as I intentionally held off on any inquiries til fun...
by Pessimist55
Tue Sep 15, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

My loan took a little over a month. Got a request to confirm that my recent hard inquiries were due to shopping Around (from a months go) than for new credit on the day of funding. It seems it was a hard inquiry despite loan officer claiming it was a soft inquiry.
by Pessimist55
Fri Sep 11, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fsa health claim denied- where to escalate issue
Replies: 2
Views: 318

Fsa health claim denied- where to escalate issue

Which govt agency can I contact to get an fsa health claim approved? Third party admin initially denied my claim then is only willing to pay half of it. They are making stuff up without proving any documentation. I have provided all the applicable receipts and letter of medical necessity. I am leavi...
by Pessimist55
Fri Sep 04, 2020 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19066

Re: How Much House Can We Afford in HCOL Area?

I live in sj. You make tons $$$. Why do you really need a house? What's wrong w renting than take on this huge debt. I don't have a 1M house cuz I dont even make half as much as you. I have a kid and my 2br condo that I got at the bottom is getting small. My plan is to RENT! A 3br townhouses in Cupe...
by Pessimist55
Sat Aug 29, 2020 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Life change after laid off?
Replies: 30
Views: 3543

Re: Life change after laid off?

Why don't you just retire? You got enough$$$$$$
by Pessimist55
Sat Aug 29, 2020 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I quit high paying job?
Replies: 76
Views: 8751

Re: Should I quit high paying job?

Are you not remotely working? How is he yelling at you?
Log and record everything. Look for new job. Easier to interview over zm than in person
by Pessimist55
Fri Aug 28, 2020 11:56 pm
Forum: Personal Investments
Topic: Dental office 401k advice
Replies: 23
Views: 1574

Re: Dental office 401k advice

What's in It for them to tie up the money w no match?? If you give them an incentive (not the IRS/govt) they would sign up We offer a plan and less than 30 pct sign up. No match but almost everyone is a highly compensated software engineer, many with advanced degrees. You would think people would ru...
by Pessimist55
Thu Aug 20, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: BoA Premium Rewards status
Replies: 61
Views: 3401

Re: BoA Premium Rewards status

What meeting? I dont go to the branch. They don't bug me w calls. Not sure what you're talking about I'm not interested in another brokerage account. It has seemed to me that Premium Rewards is primarily a tool to produce an (at least) annual summons. The physical meting with an employee, is nominal...
by Pessimist55
Wed Aug 19, 2020 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to quit a job for retirement
Replies: 61
Views: 5238

Re: How to quit a job for retirement

Time it to maximize rsu vest, espp schedule, 401k match, annual bonus payout, pension if it exists. Maybe work out a severance agreement but that's wishful thinking.
by Pessimist55
Sun Aug 16, 2020 12:49 pm
Forum: Personal Investments
Topic: Personal Advice 529 or UTMA
Replies: 9
Views: 639

Re: Personal Advice 529 or UTMA

I have a 2 yo. I am going to gift her appreciated shares and capture the annual $2k tax free earnings from the growth of those shares. I don't get 529 state deduction but have taken advantage of account opening bonuses offered by various states.
by Pessimist55
Sun Aug 16, 2020 12:45 pm
Forum: Personal Investments
Topic: Reinvesting 1M AAPL
Replies: 36
Views: 4177

Re: Reinvesting 1M AAPL

Assuming you are also doing ESPP. Make sure to only sell the qualified distribution portions to minimize on the taxes.
by Pessimist55
Sun Aug 16, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy in the SF Bay Area
Replies: 22
Views: 2065

Re: Rent or Buy in the SF Bay Area

Where are you and your wife's office? Bay area is a huge place. Most places you won't find anything decent for at least 1.5M.
by Pessimist55
Sat Aug 15, 2020 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Sooner than Later: A New 0.5% Fee Going Into Effect Sep 1
Replies: 16
Views: 3088

Re: Refinance Sooner than Later: A New 0.5% Fee Going Into Effect Sep 1

Not happening. Loans needs to close before sep1 thus your WM guy can't give you the 2.5..my WM guy gave me 3.0 no cost the day after.
by Pessimist55
Fri Aug 14, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: irs.gov/refunds still processing? filed in May.
Replies: 22
Views: 1141

Re: irs.gov/refunds still processing? filed in May.

I filed electronically in July. Refund came this week along w interest
by Pessimist55
Thu Aug 13, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Which job would you take?
Replies: 18
Views: 1180

Re: Which job would you take?

Based on your response B! No brainer.
by Pessimist55
Thu Aug 13, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Which job would you take?
Replies: 18
Views: 1180

Re: Which job would you take?

What are you making now? Or the last 3-5yrs. Do you have family. Spouse kids. Your age? [ quote=GotNoWisdom post_id=5430978 time=1597350880 user_id=164569] All, I am seeking some guidance on whether to adjust my current position. Which job would you take? Employer A: High level leadership position 3...
by Pessimist55
Thu Aug 13, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

So I had another follow up w Eddie. he doesn't have access to my files and will put in a request to another team to get me an LE that shows the locked rate. kinda feel bad for him cuz he sounds sincere. Claims he just a messenger. Some things are beyond his control. Hopefully they can close this out...
by Pessimist55
Thu Aug 13, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

Yea. I gave Eddie an earful. He tried to get Ryan for me but was on a call w fannie. I Don't blame him. Ryan shortly confirms it was locked and sends a long complaint all in caps of the situation. I need to get Eddie to send me an updated LE that's shows it was indeed locked and a close date. Ryan w...
by Pessimist55
Thu Aug 13, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

I am screwed then. They never sent me another doc indicating that it was locked They are ignoring me. I pushed them to initiate hoa certification for my condo. They also kept on ignoring me. After a few calls Eddie verbally said to go ahead without sending me the updated LE. LF is now ignoring me. H...
by Pessimist55
Thu Aug 13, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

LF is now ignoring me. How do you tell if your rate is locked. I instructed them to do so over 10 days ago and never got confirmation.
Ryan never answers. Always Eddie.
Have a bad feeling w them.
by Pessimist55
Sat Aug 08, 2020 3:13 pm
Forum: Personal Investments
Topic: Holding Vanguard ETFs in Merril Edge
Replies: 19
Views: 1645

Re: Holding Vanguard ETFs in Merril Edge

Not at ME They liquidate 3rd wed of each month. Even if you call, they claim they need to find corresponding buyer before they can be liquidated and it's sold at a random price. Multiple calls to force the liquidation. PITA! It's a MAJOR PITA To liquidate fractional shares at ME. Don't do DRIP! How ...
by Pessimist55
Sat Aug 08, 2020 3:11 pm
Forum: Personal Investments
Topic: Experience with RSU's during layoffs?
Replies: 13
Views: 987

Re: Experience with RSU's during layoffs?

Was recently laid off. Had large chunk of rsus vesting soon. Company refused to budge in allowing me to stay 6 weeks longer for those to vest. They did pick a date that enabled the impacted to get the year end bonus. Some of the rsus vested due to that but not a large portion of my overall rsus. The...
by Pessimist55
Wed Aug 05, 2020 10:41 pm
Forum: Personal Investments
Topic: Holding Vanguard ETFs in Merril Edge
Replies: 19
Views: 1645

Re: Holding Vanguard ETFs in Merril Edge

It's a MAJOR PITA To liquidate fractional shares at ME. Don't do DRIP!
by Pessimist55
Wed Aug 05, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

During my convo w Ryan yesterday..he was like I only want u to proceed if ur ok w the rate. If you are gona back out after we lock I rather u take your time to shop around cuz were busy and it is resources ur taking away from us. Completely fair imo. I posted this in the mega thread as well, but has...
by Pessimist55
Mon Aug 03, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

Re: Refinance Mega Thread

My LC agent came back to me w updated numbers. basically $900 in fewer Lender credit vs Fri while WM rates improved slightly for the 15yr. weird.
by Pessimist55
Mon Aug 03, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

i have not gotten replies from ryan, his minions Eddie and another guy is manning calls. I'd send them my competing LE, and it goes down to a black hole. they all sound super polite on the phone but it's been screeching halt. WM and LC are much more responsive. If i dont hear back from them til tmw,...
by Pessimist55
Sun Aug 02, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108318

Re: My LenderFi refinance is going well

I loan processor also is Ryan. I don't think I ever managed to talk to him. I got a quote from someone who picked up the phone two weeks then as I applied, I get a significantly higher rate. All his peers who pick up the phone is like we'll have him return your call w a better quote. Nothing from hi...
by Pessimist55
Fri Jul 31, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

Re: Refinance Mega Thread

I"m reading over the Calculating cash to close section There's a huge dollar amount in the Downpayment/Funds from borrower line/ D+I is close to lender credits. What is that line item comprised of? https://lh3.googleusercontent.com/pw/ACtC-3e5JrmFk5-rcdjohWZ-64V87weSJ0XoD4bg5FWLupcTjbX4JsLe_GWp7z77m...
by Pessimist55
Fri Jul 31, 2020 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

Re: Refinance Mega Thread

I first called them w some haggling got an agent. After he gave me some numbers I applied w his link so he gets credit (trying to return the favor) then replied to him asking for an LE. Very fast turn around. But they are 60day not 30 day lock Press 3 then insist on a loan officer. Leaving a VM or m...
by Pessimist55
Fri Jul 31, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

LE Fees

I got a LE from LC.
Do they have the ability to change section E? Looks high.

A 0
B 250 (HOA Questionnaire) I had them add it cuz it's expected
C 1015
D 1265
E, 406.
by Pessimist55
Thu Jul 30, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

Re: Refinance Mega Thread

i begrudgingly submitted my app w LF. apparently it only works w mobile. i got a really crappy rate roughly 3% for both 15/30yr for no closing cost $170k loan.30% LTV When i called a couple weeks ago i was given 2.625% for 15yr w no closing. WM gave me a 2.625% w a couple hundred in closing costs fo...
by Pessimist55
Wed Jul 29, 2020 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

Re: Refinance Mega Thread

Your post further proves my point the heads up to avoid Jesse Kuhn for those in California. Im not looking for "LE". I just want some rough estimates. I don't get why this can't be provided. Many fees are fixed title county fees etc. Many sites online provide ' estimate' w the basic info like how Le...
by Pessimist55
Wed Jul 29, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

Re: Refinance Mega Thread

Im not looking for "LE". I just want some rough estimates. I don't get why this can't be provided. Many fees are fixed title county fees etc. Many sites online provide ' estimate' w the basic info like how Lenderfi does it. If I like It I will proceed. Had been 2 weeks since LF closed 'closed shop' ...
by Pessimist55
Wed Jul 29, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

Re: Re:

Am on phone w watermark. They ain't asking for my SSN. Not my first rodeo at this. Just wanted an estimate. Not locking an app He could have just told me to go pound sand from the get go than hang up on me 5min into the call I had a horrible experience w loan depot Called their 800 number. Their bou...
by Pessimist55
Wed Jul 29, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6984
Views: 464022

I had a horrible experience w loan depot Called their 800 number. Their bouncer took my basic info then fwd my call to a loan specialist. I told the guy what I wanted and he kept on wanting to do an app for me. Kept on wanting my email my current loan terms. I was explicit in telling him that I only...
by Pessimist55
Wed Jul 22, 2020 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Gaming FSA Health account
Replies: 4
Views: 680

Re: Question on Gaming FSA Health account

I was invited to enroll in my contract gigs health benefits and the math was they adjusted expected contribution according to the number of remaining pay periods. My spouse is not quitting. My contract gig will term in early Jan. This is not by choice. I lost out $xx,xxx on RSU vesting cuz my term d...
by Pessimist55
Wed Jul 22, 2020 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Question on Gaming FSA Health account
Replies: 4
Views: 680

Question on Gaming FSA Health account

Goal: Use FSA Health account to buy a $,$$$ ergo chair (already have letter from PCP) without paying the full amount I have received notice of upcoming termination in Aug My company will pay for my COBRA through EOY My spouse is enrolled in HSA at her company. She can't have FSA acct if enrolled in ...
by Pessimist55
Tue Aug 13, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 7825

Re: Are you refinancing now?

I don't get why better needs to do a soft inquiry for a basic rate quote Too invasive for me Currently locked for a 15-year 3% no cost. Can you share name.of the Lender Go to better.com to get a loan estimate. Then go to mortgage professor to get the best quote. If price is lower than better, obtain...
by Pessimist55
Mon Aug 12, 2019 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 7825

Re: Are you refinancing now?

seawolf21 wrote: Mon Aug 12, 2019 1:35 pm Currently locked for a 15-year 3% no cost.


Can you share name.of the Lender
by Pessimist55
Wed Aug 15, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 24
Views: 2813

Re: Chevy Volt for Commute

As a heads up the middle space in the rear is blocked and can't seat another passenger
by Pessimist55
Sun Aug 05, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 5084

Re: How to Start CC Churning

if you are over 5 cards within the last 24 months, try getting a CSP/CSR card from Chase. a relationship w an wealth banker also won't bypass it
i rest my case.
whodidntante wrote: Sun Aug 05, 2018 3:08 pm
Pessimist55 wrote: Thu Aug 02, 2018 8:43 am You're a couple years too late to the game
Not so. Churning is alive and well.
by Pessimist55
Sun Aug 05, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 4288

Re: Do you think I am being too conservative on buying a house?

If you're looking to have two kids I'd get at least a two bedroom place. I have a 9mo old in a 2bdrm condo 1100sqft. It is tight!.