Going on the radio this afternoon… quick questions for the piggs

[sdcellar]

It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?

[an]

[quote=sdcellar]It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?[/quote]
No refinancing. I just use their purchase price – 20% down to get an estimate of what their original loan would be. I provided all my data for you to see. I use the sold price, the date it was sold, then I go here:http://mortgage-x.com/general/historical_rates.asp, and find out what the rate was at that time. Please do tell where I’m “tipping” the variables? Also, please do tell what I’m guessing on?

Can we ever have a discussion where you see the forest from the trees? You seem to get bogged down on the nitty gritty details trying to disprove my point that you often time fail to see what my original point was.

[an]

[quote=sdcellar]It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?[/quote]
No refinancing. I just use their purchase price – 20% down to get an estimate of what their original loan would be. I provided all my data for you to see. I use the sold price, the date it was sold, then I go here:http://mortgage-x.com/general/historical_rates.asp, and find out what the rate was at that time. Please do tell where I’m “tipping” the variables? Also, please do tell what I’m guessing on?

Can we ever have a discussion where you see the forest from the trees? You seem to get bogged down on the nitty gritty details trying to disprove my point that you often time fail to see what my original point was.

[an]

[quote=sdcellar]It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?[/quote]
No refinancing. I just use their purchase price – 20% down to get an estimate of what their original loan would be. I provided all my data for you to see. I use the sold price, the date it was sold, then I go here:http://mortgage-x.com/general/historical_rates.asp, and find out what the rate was at that time. Please do tell where I’m “tipping” the variables? Also, please do tell what I’m guessing on?

Can we ever have a discussion where you see the forest from the trees? You seem to get bogged down on the nitty gritty details trying to disprove my point that you often time fail to see what my original point was.

[an]

[quote=sdcellar]It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?[/quote]
No refinancing. I just use their purchase price – 20% down to get an estimate of what their original loan would be. I provided all my data for you to see. I use the sold price, the date it was sold, then I go here:http://mortgage-x.com/general/historical_rates.asp, and find out what the rate was at that time. Please do tell where I’m “tipping” the variables? Also, please do tell what I’m guessing on?

Can we ever have a discussion where you see the forest from the trees? You seem to get bogged down on the nitty gritty details trying to disprove my point that you often time fail to see what my original point was.

[an]

[quote=sdcellar]It was a fun lunchtime project, but I now that I know the details of the comps, yes, you’re doing a lot of guessing. Are you factoring in a refinance as well?

Can we ever have a discussion where you don’t tip every variable in your favor to the fullest extent possible?[/quote]
No refinancing. I just use their purchase price – 20% down to get an estimate of what their original loan would be. I provided all my data for you to see. I use the sold price, the date it was sold, then I go here:http://mortgage-x.com/general/historical_rates.asp, and find out what the rate was at that time. Please do tell where I’m “tipping” the variables? Also, please do tell what I’m guessing on?

Can we ever have a discussion where you see the forest from the trees? You seem to get bogged down on the nitty gritty details trying to disprove my point that you often time fail to see what my original point was.

[sdcellar]

Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.

[sdcellar]

Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.

[sdcellar]

Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.

[sdcellar]

Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.

[sdcellar]

Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.

[an]

[quote=sdcellar]Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.[/quote]
You know what, my original data point still stand. If you want to discuss detail, feel free to PM me, but we’ve taken this way off topic already. I’ll make it nice and clear for you since you still can’t seem to grasp the original point. I’m paying less than 50% in term of monthly payment compare to comparable house sold in 2000.

[an]

[quote=sdcellar]Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.[/quote]
You know what, my original data point still stand. If you want to discuss detail, feel free to PM me, but we’ve taken this way off topic already. I’ll make it nice and clear for you since you still can’t seem to grasp the original point. I’m paying less than 50% in term of monthly payment compare to comparable house sold in 2000.

[an]

[quote=sdcellar]Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.[/quote]
You know what, my original data point still stand. If you want to discuss detail, feel free to PM me, but we’ve taken this way off topic already. I’ll make it nice and clear for you since you still can’t seem to grasp the original point. I’m paying less than 50% in term of monthly payment compare to comparable house sold in 2000.

[an]

[quote=sdcellar]Details? I think you may have that reversed. Forest and trees, same thing. I’d answer your “tipping” question, but unfortunately, that requires detail and I’m not sure if that’s allowed.

What I can say is you ignore square footage when it suits you and things like cul-de-sacs, location and lot sizes (and layouts).

If you saw the forest, you’d understand that even historically, some people made better and worse purchases, but you ignore that and make stunning assumptions. You seem to have a predilection to gravitate toward the ones that make you look better.

As far as refinancing, I was talking about your rate, not the comps (which makes no sense to me, btw). Using the same 80% LTV, I just can’t get the numbers you can for the rough rate it was at the time you bought.[/quote]
You know what, my original data point still stand. If you want to discuss detail, feel free to PM me, but we’ve taken this way off topic already. I’ll make it nice and clear for you since you still can’t seem to grasp the original point. I’m paying less than 50% in term of monthly payment compare to comparable house sold in 2000.

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