Recommendation for 15 yrs fixed mortgage lender

[Coronita]

[quote=bearishgurl][quote=HLS]Absolutely Flu,,,
Do u accept bitcoin or Monopoly money ?

I have to bite my tongue to not call the jerks out for what they really are, and even though they don’t think they are jerks,it’s obvious to everyone else.

I actually feel sorry for them.[/quote]Ha ha, HLS … As you may surmise, I, OTOH, don’t have any problems with calling a spade a spade, whether online, on the phone or in person. I guess that trait might have the effect of reducing my “popularity” around here …. lol.[/quote]

No, likeability is not your main problem. its just most of what you have to say makes no sense to anyone logical. And you have a track record of pretty much being wrong about anything investment,real estate, or finance related, as proven by any of your prior posts about those subjects. It seems like how likely you are to be closer to reality in those subjects is inversely proportional to how long your dissertation is on those subjects you absolutely know nothing about.

Often, people respond to your post not because they like you or not. Often, people respond to your post because a lot of your posts are so out of touch with being factual and/or just plain wrong, that we are worried for any newbie that happens to see your post, that doesn’t understand your history of glaringly wrong posts and habit of commenting (with authority) on subjects you know absolutely nothing about. And heaven forbid should actually take your advice (which most likely is wrong) and do something with it (unless it’s doing the complete opposite of what you say).

[bearishgurl]

[quote=flu][quote=bearishgurl][quote=HLS]Absolutely Flu,,,
Do u accept bitcoin or Monopoly money ?

I have to bite my tongue to not call the jerks out for what they really are, and even though they don’t think they are jerks,it’s obvious to everyone else.

I actually feel sorry for them.[/quote]Ha ha, HLS … As you may surmise, I, OTOH, don’t have any problems with calling a spade a spade, whether online, on the phone or in person. I guess that trait might have the effect of reducing my “popularity” around here …. lol.[/quote]

No, likeability is not your main problem. its just most of what you have to say makes no sense to anyone logical. And you have a track record of pretty much being wrong about anything investment,real estate, or finance related, as proven by any of your prior posts about those subjects. It seems like how likely you are to be closer to reality in those subjects is inversely proportional to how long your dissertation is on those subjects you absolutely know nothing about.[/quote]It’s a free country and you’re certainly welcome to your own opinion. I only opine here on subjects that I know a LOT about. You seem to have gotten a bit of a chip on your shoulder of late, flu and it’s not clear why. Especially over the issue of the UC favoring admittance of non-resident applicants over resident applicants by holding the non-resident applicants to lesser admission standards. You twisted the whole argument (and state auditor report) out of context in an effort to turn it into some kind of “race war” on my “CA university” thread and “shoot the messenger.” I didn’t make the recent state auditor’s report and was simply reporting it here.

If anything, you should be concerned that YOUR (hopefully highly-qualified) CA-resident kid(s) will be able to get accepted one day (if they just so happen to choose to apply to the UC).

Why don’t you head on down to SD/South County this weekend to one of the big political rallies and let off some steam?

http://piggington.com/ot_everything_hillary

http://piggington.com/reasons_i_cannot_vote_trump#comment-267724

[Coronita]

BG, we’re talking about mortgages here,

If you know how an amortization table works, you might have something valuable to say. But I doubt you know that, do you?

And this particular thread
http://piggington.com/mira_mesa_7510_bannister_ln_10_lost_in_less_than_one_year

is the epitome of you commenting on things real estate, finance, investment related you absolutely know nothing about. and proven, time and time again, you’re just plain wrong, despite being an expert in real estate having made exactly 0.00000000000000000000 rental properties over the past decade+, and having refinanced over the past decade exactly 0.00000000000 times to speak from any relevant experience about mortgages (after all, you did say many times you weren’t able to qualify for a new loan many many times)…..

QED

But thanks for hijacking this mortgage thread and self-professing your “expertness” again in a subject matter that is way above your head. I appreciate you proving the point I was just trying to make, because for a minute there, I thought people new to this thread and unfamiliar your history would wonder what I was talking about… It appears, they don’t really need to search and figure that out too much now….Well done.

And yes, it’s a free country. You’re free to demonstrate you are completely unknowledgeable in subjects you know nothing about. And that IS something you are an expert at.

[bearishgurl]

[quote=flu]BG, we’re talking about mortgages here,

If you know how an amortization table works, you might have something valuable to say. But I doubt you know that, do you?

And this particular thread
http://piggington.com/mira_mesa_7510_bannister_ln_10_lost_in_less_than_one_year?page=4

is the epitome of you commenting on things real estate, finance, investment related you absolutely know nothing about. and proven, time and time again, you’re just plain wrong, despite being an expert in real estate having made exactly 0.00000000000000000000 rental properties over the past decade+, and having refinanced over the past decade exactly 0.00000000000 times to speak from any relevant experience about mortgages (after all, you did say many times you weren’t able to qualify for a new loan many many times)…..

QED

But thanks for hijacking this mortgage thread and self-professing your “expertness” again in a subject matter that is way above your head. I appreciate you proving the point I was just trying to make. Well done.[/quote]There you go again, flu …. blah, blah, blah, assuming, assuming, assuming …. to your heart’s content … umm, except whatever crap you believe about me in your head and are regurgitating here is all false.

FWIW, I actually wrote a program for an excel spreadsheet back in about 2009 which calculated amortization for a “COFI ARM” (11th Dist FHLBB) based upon future projections. It took me about 10-12 hours and it was no small feat to get the last tweak out. If I can find it (it’s in one of my boxes of floppy disks), I’ll be glad to share. I created it to make an exhibit for direct examination on an expert witness in trial (who confirmed its accuracy both in deposition and on the stand).

I was also one of earliest adopters/users of the HP 12C, which figured various amortization scenarios out for prospective buyers and was widely used by RE professionals up thru the early nineties (when there were far more diverse mortgage programs to choose from than there are today). I became quite the “expert” at using this clunky little gem and still have it lying around in its case (likely in one of my file cabinets).

https://en.wikipedia.org/wiki/HP-12C

I’m also an “expert” on calculating property tax rates in the various communities I’m familiar with (inclusive of voter approved bonds, utility/RR districts, etc) but exclusive of CFDs. I don’t need to see the tax bill to do this as I know the percentages for all the additions to the “ad-valoream” portion of the bill in the various communities.

I have been in recent contact with HLS but suffice to say, I don’t owe enough on my mortgage for a refi (w/zero closing cost or not) to make sense for either me or any mortgage broker. Why would I refi when I’m in my 16th year (of a 30 yr ARM) with a current interest rate of ~3.6%? Or, I could just pay it off tomorrow if I wished to? What’s the point?

Lemme ask you, flu. If you were on the cusp of “retirement,” would YOU be refinancing and taking out purchase-money mortgages?

[bearishgurl]

The problem with your posts, flu, is that many (most?) of them are gibberish. You not only hijack other’s threads with your gibberish …. you’ve hijacked and even polluted your OWN threads. You’ve actually had nothing to say here lately unless it’s self-serving.

Seriously . . . you must be suffering from stress overload. I meant it when I said you should attend a local political rally this weekend and let off some steam.

[Coronita]

[quote=bearishgurl]

There you go again, flu …. blah, blah, blah, assuming, assuming, assuming …. to your heart’s content … umm, except whatever crap you believe about me in your head and are regurgitating here is all false.

(deleted painful detail about cobol program and a HP calculator)
[/quote]
Sure, if you say so.

[quote]
I’m also an “expert” on calculating property tax rates in the various communities I’m familiar with (inclusive of voter approved bonds, utility/RR districts, etc) but exclusive of CFDs. I don’t need to see the tax bill to do this as I know the percentages for all the additions to the “ad-valoream” portion of the bill in the various communities.
[/quote]

Sure, if you say so.

[quote]
Why would I refi when I’m in my 16th year (of a 30 yr ARM) with a current interest rate of ~3.6%?
[/quote]

3.6% ARM 14/30 years left. Sure, if you say so.

[quote]
Or, I could just pay it off tomorrow if I wished to? What’s the point?
[/quote]

If you could pay if off tomorrow. Sure if you say so.

[quote]
Lemme ask you, flu. If you were on the cusp of “retirement,” would YOU be refinancing and taking out purchase-money mortgages?[/quote]

Close to retirement. Sure, if you say so.

[quote=bearishgurl] (anything you say to be construed as expert financial advice or real estate advice, or property location, or property taxes, or about the deductible of Mello-Roos on your income taxes(which on that subject, you were ALSO wrong about)[/quote]

Sure, if you say so.

[Coronita]

[quote=bearishgurl] (blah blah blah) I’m an expert in this subject too. You might be suffering from stress, but I don’t know what I suffer from. Because my malfunction has been going on for decades[/quote]

Sure, if you say so.

[Coronita]

[quote=bearishgurl][quote=flu]BG, we’re talking about mortgages here,

If you know how an amortization table works, you might have something valuable to say. But I doubt you know that, do you?

And this particular thread
http://piggington.com/mira_mesa_7510_bannister_ln_10_lost_in_less_than_one_year?page=4

is the epitome of you commenting on things real estate, finance, investment related you absolutely know nothing about. and proven, time and time again, you’re just plain wrong, despite being an expert in real estate having made exactly 0.00000000000000000000 rental properties over the past decade+, and having refinanced over the past decade exactly 0.00000000000 times to speak from any relevant experience about mortgages (after all, you did say many times you weren’t able to qualify for a new loan many many times)…..

QED

But thanks for hijacking this mortgage thread and self-professing your “expertness” again in a subject matter that is way above your head. I appreciate you proving the point I was just trying to make. Well done.[/quote]There you go again, flu …. blah, blah, blah, assuming, assuming, assuming …. to your heart’s content … umm, except whatever crap you believe about me in your head and are regurgitating here is all false.

FWIW, I actually wrote a program for an excel spreadsheet back in about 2009 which calculated amortization for a “COFI ARM” (11th Dist FHLBB) based upon future projections. It took me about 10-12 hours and it was no small feat to get the last tweak out. If I can find it (it’s in one of my boxes of floppy disks), I’ll be glad to share. I created it to make an exhibit for direct examination on an expert witness in trial (who confirmed its accuracy both in deposition and on the stand).

I was also one of earliest adopters/users of the HP 12C, which figured various amortization scenarios out for prospective buyers and was widely used by RE professionals up thru the early nineties (when there were far more diverse mortgage programs to choose from than there are today). I became quite the “expert” at using this clunky little gem and still have it lying around in its case (likely in one of my file cabinets).

https://en.wikipedia.org/wiki/HP-12C

I’m also an “expert” on calculating property tax rates in the various communities I’m familiar with (inclusive of voter approved bonds, utility/RR districts, etc) but exclusive of CFDs. I don’t need to see the tax bill to do this as I know the percentages for all the additions to the “ad-valoream” portion of the bill in the various communities.

I have been in recent contact with HLS but suffice to say, I don’t owe enough on my mortgage for a refi (w/zero closing cost or not) to make sense for either me or any mortgage broker. Why would I refi when I’m in my 16th year (of a 30 yr ARM) with a current interest rate of ~3.6%? Or, I could just pay it off tomorrow if I wished to? What’s the point?

Lemme ask you, flu. If you were on the cusp of “retirement,” would YOU be refinancing and taking out purchase-money mortgages?[/quote]

Gotta quote you on this before you edit it.

[Coronita]

So, since you volunteered this information……..

*You have 14 years left on a 30 year ARM that is 3.6%….
*You, in other threads, have agreed with a lot of uber bears that Fed will eventual raise rates and that will cause mortgage rates to skyrocket.
*You say you choose not to refinance because you say your rate (which is variable by the way) is so low (it isn’t)
*You complain on previous threads that things like a CD rate are so low, it’s unfair to people trying to save and that those 1%CD’s are getting eaten by inflation.
* You say you can pay off your mortgage right now if you want to, but choose not to?

And yet, you don’t see the irony of all of these statements you made, which pretty much contradicts each other?

And you say I’m the one that is stressed and can’t think straight? Lol….

Thanks for the good laugh.

[bearishgurl]

[quote=flu][quote=bearishgurl] (blah blah blah) I’m an expert in this subject too. You might be suffering from stress, but I don’t know what I suffer from. Because my malfunction has been going on for decades[/quote]

Sure, if you say so.[/quote]Seriously, this thread should be closed. flu’s apparently gone off the deep end. Instead of polluting his own posts with gibberish, he’s now taken to “inventing” gibberish posts for OTHER posters. That should be banned.

Hopefully, Pigg masayako got the info he needed, left the room and is now making a loan application :=0

[Coronita]

[quote=bearishgurl][quote=flu][quote=bearishgurl] (blah blah blah) I’m an expert in this subject too. You might be suffering from stress, but I don’t know what I suffer from. Because my malfunction has been going on for decades[/quote]

Sure, if you say so.[/quote]Seriously, this thread should be closed. flu’s apparently gone off the deep end. Instead of polluting his own posts with gibberish, he’s now taken to “inventing” gibberish posts for OTHER posters. That should be banned.

Hopefully, Pigg masayako got the info he needed, left the room and is now making a loan application :=0[/quote]

Can’t answer my last post about the contradictions you just made, versus your professed “expertise in apparently now understanding how mortgages, amortization works”… So what do you do? “Let’s redirect this thread and ask this thread to be closed….”

That’s your typical MO, BG…

Step 1. Argue for the sake of arguing

Step 2. Present things that don’t make sense and don’t add up

Step 3. Wait for someone to point out the contradictions in things you presented as enlightened facts (which clearly they are not)

Step 4. When you have nothing to say to rebuttal being called out for your inconsistencies and errors in what you posted as factual and/or as “the smartest thing anyone else can do” (because you can’t dispute the self-contradiction and inconsistencies), redirect the attention to something else…ask this thread to be closed, vent, get angry, etc,etc…to cover up what you said.

Step 5. If that doesn’t work, stop posting for a few days and come back in a few weeks after everyone else forgot about this thread.

Step 6. Go find a new thread and start over with Step #1.

Hence, why I quoted you on it. What you posted can’t be altered or changed…..

I didn’t ask you about your loan, your mortgage, your retirement. Frankly I don’t care. But you did post it yourself, as if it’s data to back up your professed opinion about refinancing. I’m just merely pointing out, what you post makes no sense to support your position.

Even Harvey’s Economics 101 posts in the previous thread… some of it makes sense (I’d disgree on some key parts, but whatever) Your’s doesn’t. at all.

[bearishgurl]

Oh, Good L@rd, flu. Stop playing games. Don’t you have actual “work” to do in the middle of the biz day?

I’ve never edited ANY of my posts except to clarify a sentence or add/fix punctuation. You can waste as much bandwidth as you like re-quoting me if that is what floats your boat. And you are welcome to print out as many of my posts as you like and chew on them (or paper your kitchen with them) for all I care.

I’m not at liberty to discuss with you or anyone why I want to keep my (small) mortgage right now. I could have paid it off four years ago but choose to keep it because it is in my “best interest” to have one at this time. I might change my mind in 6 months, two years or never depending on what I decide to do re: a “retirement home.”

I’ve never made any mortgage interest rate forecasts on this forum or opined in their direction one way or another. You must be mixing me up with yourself or another Pigg.

All the other gibberish you wrote about me is just that. It offers nothing for readers of this forum except a terribly biased opinion on why you don’t like reading my posts. Why don’t you just block me, then, so you’re not “bothered” by them? I don’t understand what you have against me. I’ve always tried to make good suggestions to you if I was able to (when you presented a problem you had here) as you have many, many times.

I feel sorry for you if you are getting sub-par CD yields. I’m doing just fine in that dept and have never complained about that issue here … or anywhere.

[Coronita]

BG I know you’re the type of person who can’t stand not having the last word or zinger….So…. Since you started dragging this thread down a rathole anyway, let’s just completely go down the rathole all the way to sewer. Since I’m a pigg, I love rolling in mud.

If you had 14 of 30 years left on your ARM that is right now 3.6%, and if you are one of the bears that think rates are going to rise once Fed starts adopting a hawkish stance. Then why wouldn’t you refinance into a fixed 15 year at what 2.85ish% or a 10 year fixed at 2.66%ish as you head into retirement, as you claim you are heading, guaranteeing you to have a fixed living cost for the next 14+years instead of putting yourself at risk for an ARM rate increase?

And if you really can pay off your house right now, why not pay off that 3.66% loan (and essentially pay yourself 3.66%, instead of paying the bank 3.66% and letting the bank pay you 1% CD or so?) After all, you’re heading to retirement, if you can pay off your house completely, you should have sufficient working cash after paying off your house to live off of, and your expenses would be low with no mortgage and there would be no uncertainty from a ARM rate increase…

[Anonymous]

[quote=flu]Careful HLS…. People are probably going to be accusing you of paying me to say nice things about you… Or they might think you’re trying to fish for business here.[/quote]

Of course he’s not fishing for business by showing up on every thread involving someone shopping for a mortgage.

Why would anyone think he was fishing for business?

[HLS]

[quote=harvey][quote=flu]Careful HLS…. People are probably going to be accusing you of paying me to say nice things about you… Or they might think you’re trying to fish for business here.[/quote]

Of course he’s not fishing for business by showing up on every thread involving someone shopping for a mortgage.

Why would anyone think he was fishing for business?[/quote]

Harvey, there’s a concept that you are apparently completely oblivious to; which is posting about subjects that you actually know something about and are relevant and helpful.

Your snarky comments have sent business my way and I’m not the only one who recognizes that you are pathetic.
(or is it jealous )

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