Just to be clear. You have found someone to lower your interest rate by 1% and you pay no closing costs, fees, points, etc? Or are you just rolling it all into the new loan? The reason I ask is that the general rule of thumb for refinancing I have always read is that the rate drops by at least 2% and you plan on living in the house for at least 10 more years. Every case has it's own merits, I'm sure.
Just to be clear. You have found someone to lower your interest rate by 1% and you pay no closing costs, fees, points, etc? Or are you just rolling it all into the new loan? The reason I ask is that the general rule of thumb for refinancing I have always read is that the rate drops by at least 2% and you plan on living in the house for at least 10 more years. Every case has it's own merits, I'm sure.
"If you don't have time to do it right....you have time to do it twice"
"Bored!?!...you're not happy unless you got a bomb up your a$$"
"Moron!"
"Boy...you need a hat...a brain like that needs to be protected"
Good ole dad
Mom: After read a roadsign saying 'Welcome to Georgia'...saying, "I think we're lost" That was a fun day.
"Bored!?!...you're not happy unless you got a bomb up your a$$"
"Moron!"
"Boy...you need a hat...a brain like that needs to be protected"
Good ole dad
Mom: After read a roadsign saying 'Welcome to Georgia'...saying, "I think we're lost" That was a fun day.
Originally posted by: aphexII
"If you buy crap, you get crap"
Anyone elses parents have equally profound statements?
yeh, like wearing clean underwear every day just in case I get into an accident..
nik
The heck with them, nik - don't do it!Originally posted by: ffmcobalt
Originally posted by: aphexII
"If you buy crap, you get crap"
Anyone elses parents have equally profound statements?
yeh, like wearing clean underwear every day just in case I get into an accident..
nik
You'll show them!
Originally posted by: Cyberian
The heck with them, nik - don't do it!Originally posted by: ffmcobalt
Originally posted by: aphexII
"If you buy crap, you get crap"
Anyone elses parents have equally profound statements?
yeh, like wearing clean underwear every day just in case I get into an accident..
nik
You'll show them!
Supermercado
Diamond Member
- Jan 18, 2002
- 5,893
- 0
- 76
My dad is insane, sometimes. He gets a catch phrase and doesn't let it go for weeks. He just recently stopped walking around the house, hiding in dark corners and whispering to us when we walked nearby: "Can you hear me now?" I'd be sitting in my room at the computer and I'd hear him say that and I'd look over and there's his head, poking out from the top of the stairs. It was only a couple of weeks before that when he stopped saying "Zoom zoom!" like in the Mazda commercial.
For the longest time, he's said: "I like cats. But I can't eat a whole one." (substitute "cats" for any other animal....)
He doesn't ever have anything profound or intelligent to say. He's just odd.
For the longest time, he's said: "I like cats. But I can't eat a whole one." (substitute "cats" for any other animal....)
He doesn't ever have anything profound or intelligent to say. He's just odd.
2 of my Dads favorites:
When you are up to your ass in alligators, its hard to remember you were supposed to be draining the swamp.
Ohhhhh fvck, I dont know.
When you are up to your ass in alligators, its hard to remember you were supposed to be draining the swamp.
Ohhhhh fvck, I dont know.
"Advertising?" - said when my zipper was down.
"Put it on before you put it in." - said by mother as I was leaving on a date.
"Put it on before you put it in." - said by mother as I was leaving on a date.
Chief, although young and stupid I do realize that and I have used the 2% as a rule of thumb. From what mom and dad tell me, if you dont save at least 2% the costs associated with refinancing offset the savings.
After some shopping around the internet I found some excellent rates. Depending on the lender, I saw CharterOne mortgage is offering a 15 year no points 6% fixed rate, no closing cost refinance to certain states. I'm gonna check in the morning with them and see if FL qualifies for no closing costs on a refinance.
Another lender (Avant Lending Group 323.935.8355) is offering 5.75% with the same prerequsites as CharterOne (1-800-288-5569) but with an $800 closing.
I checked for TN and obviously the rate will depend on your credit rating but I found 5.75% and about $1100 in closing costs thru First Rate Mortgage.
-PAB
My dad is a regular cornucopia of pithy colloquialism's
"If If's and but's were candy and nuts... what a Merry Christmas this would be"
In reference to whether or not he can drive stick (in mixed company)
"Does a bear go who-who in the woods?"
"son... often you have a choice between being right and being happy... when it comes to it, pick happy."
In reference to infamous recognition.. as though he were quoting something...
"You build ten-thousand bridges do they call you Harry the engineer?... No... but fvck one pig and you're a pigfvcker the rest of your life...."
"I have a good memory, but it's short."
After finishing large meals... which he's famous for doing... and being offered desert or another serving..
"i have had and elegant sufficiency. To partake of more, would be an overindulgence of my already exasperated appetite."
I could go on and on...
"If If's and but's were candy and nuts... what a Merry Christmas this would be"
In reference to whether or not he can drive stick (in mixed company)
"Does a bear go who-who in the woods?"
"son... often you have a choice between being right and being happy... when it comes to it, pick happy."
In reference to infamous recognition.. as though he were quoting something...
"You build ten-thousand bridges do they call you Harry the engineer?... No... but fvck one pig and you're a pigfvcker the rest of your life...."
"I have a good memory, but it's short."
After finishing large meals... which he's famous for doing... and being offered desert or another serving..
"i have had and elegant sufficiency. To partake of more, would be an overindulgence of my already exasperated appetite."
I could go on and on...
My dad on life:
"Hindsight is better than foresight by a damnsight"
and in response to a question where the answer is obviously yes:
"does a bear go pee-pee in the woods?"
"Hindsight is better than foresight by a damnsight"
and in response to a question where the answer is obviously yes:
"does a bear go pee-pee in the woods?"
TRENDING THREADS
-
Discussion Zen 5 Speculation (EPYC Turin and Strix Point/Granite Ridge - Ryzen 9000)- Started by DisEnchantment
- Replies: 25K
-
Discussion Intel Meteor, Arrow, Lunar & Panther Lakes + WCL Discussion Threads
- Started by Tigerick
- Replies: 24K
-
Discussion Intel current and future Lakes & Rapids thread- Started by TheF34RChannel
- Replies: 23K
-
-
Facebook
Twitter