Refinancing after four months?

[briansd1]

[quote=walterwhite]i submit that 6 years is fundamentally different than 30 years. 30 isnt just 5 groups of 6.
i am pretty similar to the person I was when i was in 2005, but I bear no resemblance to the fellow from the 80’s. fundamental changes happen over 30 years. 6 can fly by but 30 is difficult to pass without notice.

30 is similar to a lifetime. 6 is just a temporary stretch.

things are basically the same over 6 years. but things are totally different after 30.

as to 15, it’smore like 6 than 30.[/quote]

Depends on where you are in life.

I have many elderly relatives because my dad was the youngest and married and had kids late.

I was talking to a 90yo relative. She was joking that in 5 years she’ll be dead. At least she has a good sense of humor.

It also depends on your age, stage in life and outlook.

I still feel young and don’t mind hanging out with the college age crowd (well, maybe grad students). But my peers are nearly all married with kids, fat and living the burbs. They’ve let themselves go and don’t care much anymore.

I think that most people go through predictable stages. But who says it has to be that way?

But I do agree with walter that, psychologically, 30 years is disproportionately greater than 6 years.

[afx114]

People always say that time flies faster the older you get, and it’s true, because time is a human construct that is meaningless without context. When you’re 5 years old, 1 year is a long fucking time. When you’re 100 years old, 1 year ain’t shit.

[afx114]

People always say that time flies faster the older you get, and it’s true, because time is a human construct that is meaningless without context. When you’re 5 years old, 1 year is a long fucking time. When you’re 100 years old, 1 year ain’t shit.

[afx114]

People always say that time flies faster the older you get, and it’s true, because time is a human construct that is meaningless without context. When you’re 5 years old, 1 year is a long fucking time. When you’re 100 years old, 1 year ain’t shit.

[afx114]

People always say that time flies faster the older you get, and it’s true, because time is a human construct that is meaningless without context. When you’re 5 years old, 1 year is a long fucking time. When you’re 100 years old, 1 year ain’t shit.

[afx114]

People always say that time flies faster the older you get, and it’s true, because time is a human construct that is meaningless without context. When you’re 5 years old, 1 year is a long fucking time. When you’re 100 years old, 1 year ain’t shit.

[AK]

[quote=jimmyle]I just got the Good Faith Estimate, and it seems like the numbers are all over the place.

Is it true that she is just trying to get approval right now and the numbers don’t matter that much?[/quote]

I’d call and e-mail to clarify the numbers. Things like loan payoff amount and daily interest charges are just guesses at this point but I’d definitely clear up any differences in things like origination fee, discount points, title insurance, and so on.

In my case the lender threw in $700 or so for an unnecessary appraisal and transfer taxes. I was assured those were just sloppy preparation and that the fees would be removed. I guess we’ll see … if not I’ll start screaming “RESPA violation.”

Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.

[AK]

[quote=jimmyle]I just got the Good Faith Estimate, and it seems like the numbers are all over the place.

Is it true that she is just trying to get approval right now and the numbers don’t matter that much?[/quote]

I’d call and e-mail to clarify the numbers. Things like loan payoff amount and daily interest charges are just guesses at this point but I’d definitely clear up any differences in things like origination fee, discount points, title insurance, and so on.

In my case the lender threw in $700 or so for an unnecessary appraisal and transfer taxes. I was assured those were just sloppy preparation and that the fees would be removed. I guess we’ll see … if not I’ll start screaming “RESPA violation.”

Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.

[AK]

[quote=jimmyle]I just got the Good Faith Estimate, and it seems like the numbers are all over the place.

Is it true that she is just trying to get approval right now and the numbers don’t matter that much?[/quote]

I’d call and e-mail to clarify the numbers. Things like loan payoff amount and daily interest charges are just guesses at this point but I’d definitely clear up any differences in things like origination fee, discount points, title insurance, and so on.

In my case the lender threw in $700 or so for an unnecessary appraisal and transfer taxes. I was assured those were just sloppy preparation and that the fees would be removed. I guess we’ll see … if not I’ll start screaming “RESPA violation.”

Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.

[AK]

[quote=jimmyle]I just got the Good Faith Estimate, and it seems like the numbers are all over the place.

Is it true that she is just trying to get approval right now and the numbers don’t matter that much?[/quote]

I’d call and e-mail to clarify the numbers. Things like loan payoff amount and daily interest charges are just guesses at this point but I’d definitely clear up any differences in things like origination fee, discount points, title insurance, and so on.

In my case the lender threw in $700 or so for an unnecessary appraisal and transfer taxes. I was assured those were just sloppy preparation and that the fees would be removed. I guess we’ll see … if not I’ll start screaming “RESPA violation.”

Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.

[AK]

[quote=jimmyle]I just got the Good Faith Estimate, and it seems like the numbers are all over the place.

Is it true that she is just trying to get approval right now and the numbers don’t matter that much?[/quote]

I’d call and e-mail to clarify the numbers. Things like loan payoff amount and daily interest charges are just guesses at this point but I’d definitely clear up any differences in things like origination fee, discount points, title insurance, and so on.

In my case the lender threw in $700 or so for an unnecessary appraisal and transfer taxes. I was assured those were just sloppy preparation and that the fees would be removed. I guess we’ll see … if not I’ll start screaming “RESPA violation.”

Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.

[bearishgurl]

[quote=AK]…Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.[/quote]

AK, this is true in that your loan officer is not sitting down with you and generating your GFE (formerly “Reg Z”) on a form by hand with his/her calculator. Your GFE now comes by way of a (distant) computer or fax machine “who” has NO IDEA what the County of SD charges for this or that or what reasonable and customary charges are for an ALTA title policy in CA, flood certification, etc, etc :={

[bearishgurl]

[quote=AK]…Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.[/quote]

AK, this is true in that your loan officer is not sitting down with you and generating your GFE (formerly “Reg Z”) on a form by hand with his/her calculator. Your GFE now comes by way of a (distant) computer or fax machine “who” has NO IDEA what the County of SD charges for this or that or what reasonable and customary charges are for an ALTA title policy in CA, flood certification, etc, etc :={

[bearishgurl]

[quote=AK]…Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.[/quote]

AK, this is true in that your loan officer is not sitting down with you and generating your GFE (formerly “Reg Z”) on a form by hand with his/her calculator. Your GFE now comes by way of a (distant) computer or fax machine “who” has NO IDEA what the County of SD charges for this or that or what reasonable and customary charges are for an ALTA title policy in CA, flood certification, etc, etc :={

[bearishgurl]

[quote=AK]…Sometimes I’m not sure how much GF is in the GFE. I think one of the problems is that the GFE has been offshored to BFE.[/quote]

AK, this is true in that your loan officer is not sitting down with you and generating your GFE (formerly “Reg Z”) on a form by hand with his/her calculator. Your GFE now comes by way of a (distant) computer or fax machine “who” has NO IDEA what the County of SD charges for this or that or what reasonable and customary charges are for an ALTA title policy in CA, flood certification, etc, etc :={

[Author]

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