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  • December 16, 2010 at 12:58 PM #641478
    briansd1
    Guest

    [quote=paramount]I just refinanced at 4.8% with a LTV of 103%.

    My PI is now $1100/month.

    Taxes = $2500/year[/quote]

    Can you please give a little more detail on your 103% LTV deal?

    Fixed with a piggyback? PMI?

    Some people might benefit from doing the same thing.

    December 16, 2010 at 2:49 PM #640492
    paramount
    Participant

    No PMI, no piggyback – I’m not sure what the program is exactly; it may be under the Home Affordable Act but I will verify.

    About 2 weeks ago I received a letter from Wells Fargo (who currently holds my mortgage).

    In this letter were (3) refinance options that I was actually pre-approved for – basically a 30 fixed, a 15 year and a 20 year option as I recall.

    All I had to do was go to a Wells Fargo website submit some basic info and that was really it.

    My LTV on the form was actually 102.73%.

    I’ll find out more info and post.

    December 16, 2010 at 2:49 PM #640563
    paramount
    Participant

    No PMI, no piggyback – I’m not sure what the program is exactly; it may be under the Home Affordable Act but I will verify.

    About 2 weeks ago I received a letter from Wells Fargo (who currently holds my mortgage).

    In this letter were (3) refinance options that I was actually pre-approved for – basically a 30 fixed, a 15 year and a 20 year option as I recall.

    All I had to do was go to a Wells Fargo website submit some basic info and that was really it.

    My LTV on the form was actually 102.73%.

    I’ll find out more info and post.

    December 16, 2010 at 2:49 PM #641144
    paramount
    Participant

    No PMI, no piggyback – I’m not sure what the program is exactly; it may be under the Home Affordable Act but I will verify.

    About 2 weeks ago I received a letter from Wells Fargo (who currently holds my mortgage).

    In this letter were (3) refinance options that I was actually pre-approved for – basically a 30 fixed, a 15 year and a 20 year option as I recall.

    All I had to do was go to a Wells Fargo website submit some basic info and that was really it.

    My LTV on the form was actually 102.73%.

    I’ll find out more info and post.

    December 16, 2010 at 2:49 PM #641281
    paramount
    Participant

    No PMI, no piggyback – I’m not sure what the program is exactly; it may be under the Home Affordable Act but I will verify.

    About 2 weeks ago I received a letter from Wells Fargo (who currently holds my mortgage).

    In this letter were (3) refinance options that I was actually pre-approved for – basically a 30 fixed, a 15 year and a 20 year option as I recall.

    All I had to do was go to a Wells Fargo website submit some basic info and that was really it.

    My LTV on the form was actually 102.73%.

    I’ll find out more info and post.

    December 16, 2010 at 2:49 PM #641599
    paramount
    Participant

    No PMI, no piggyback – I’m not sure what the program is exactly; it may be under the Home Affordable Act but I will verify.

    About 2 weeks ago I received a letter from Wells Fargo (who currently holds my mortgage).

    In this letter were (3) refinance options that I was actually pre-approved for – basically a 30 fixed, a 15 year and a 20 year option as I recall.

    All I had to do was go to a Wells Fargo website submit some basic info and that was really it.

    My LTV on the form was actually 102.73%.

    I’ll find out more info and post.

    December 17, 2010 at 6:54 PM #641390
    sdrealtor
    Participant

    Sounds like a HAMP Loan Mod/Refi

    December 17, 2010 at 6:54 PM #641462
    sdrealtor
    Participant

    Sounds like a HAMP Loan Mod/Refi

    December 17, 2010 at 6:54 PM #642043
    sdrealtor
    Participant

    Sounds like a HAMP Loan Mod/Refi

    December 17, 2010 at 6:54 PM #642179
    sdrealtor
    Participant

    Sounds like a HAMP Loan Mod/Refi

    December 17, 2010 at 6:54 PM #642500
    sdrealtor
    Participant

    Sounds like a HAMP Loan Mod/Refi

    March 3, 2011 at 1:42 PM #672860
    enron_by_the_sea
    Participant

    Saw an interesting chart about US govt. yield for last 200 years. Thought I would share it in this thread. You can see how low the govt. bond yields are ..

    http://www.ritholtz.com/blog/wp-content/uploads/2011/03/200-YEARS-US-GOVT-BONDS.png

    March 3, 2011 at 1:42 PM #672922
    enron_by_the_sea
    Participant

    Saw an interesting chart about US govt. yield for last 200 years. Thought I would share it in this thread. You can see how low the govt. bond yields are ..

    http://www.ritholtz.com/blog/wp-content/uploads/2011/03/200-YEARS-US-GOVT-BONDS.png

    March 3, 2011 at 1:42 PM #673532
    enron_by_the_sea
    Participant

    Saw an interesting chart about US govt. yield for last 200 years. Thought I would share it in this thread. You can see how low the govt. bond yields are ..

    http://www.ritholtz.com/blog/wp-content/uploads/2011/03/200-YEARS-US-GOVT-BONDS.png

    March 3, 2011 at 1:42 PM #673669
    enron_by_the_sea
    Participant

    Saw an interesting chart about US govt. yield for last 200 years. Thought I would share it in this thread. You can see how low the govt. bond yields are ..

    http://www.ritholtz.com/blog/wp-content/uploads/2011/03/200-YEARS-US-GOVT-BONDS.png

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