Well folks….Looks like interest rates for loans are about to go lower……

[Coronita]

….because I just locked in on my refi…..

Lol…..

Just you watch…(Ended up 15 year conforming at 3.872 apr, which probably means I got ripped off)…

Good news though is my 15 year payments are now lower than what my 30 year was…Thank you Fed….

[ocrenter]

if you got ripped off then I must be royally screwed…

just relocked my jumbo conforming 30 year refi prior to closing at 4.5%, zero point.

my mortgage payment is awfully close to my rent back in the days… (after the tax benefit of course).

[ocrenter]

if you got ripped off then I must be royally screwed…

just relocked my jumbo conforming 30 year refi prior to closing at 4.5%, zero point.

my mortgage payment is awfully close to my rent back in the days… (after the tax benefit of course).

[ocrenter]

if you got ripped off then I must be royally screwed…

just relocked my jumbo conforming 30 year refi prior to closing at 4.5%, zero point.

my mortgage payment is awfully close to my rent back in the days… (after the tax benefit of course).

[ocrenter]

if you got ripped off then I must be royally screwed…

just relocked my jumbo conforming 30 year refi prior to closing at 4.5%, zero point.

my mortgage payment is awfully close to my rent back in the days… (after the tax benefit of course).

[ocrenter]

if you got ripped off then I must be royally screwed…

just relocked my jumbo conforming 30 year refi prior to closing at 4.5%, zero point.

my mortgage payment is awfully close to my rent back in the days… (after the tax benefit of course).

[Coronita]

Well, I have the classic case of murphy’s law…But I guess relative to my previous rate (closer to 5.5% with a 30 year jumbo)..My case, I went for 30 to 15 years so it’s not exactly an apples to applies comparison… I’m not complaining. yet…(though I will be when rates hit 3%)..

My monthly payments will be $3.1k a month. A comparable neighbor’s home just rented for $3.2k a month…Of course, on top of that I have about $1k/month wrto prop taxes, insurance,etc…Not to mention that my principal is tied up…So, for me, renting would still be cheaper…Oh well….

Hmmm. With all the money I save on payments, no I can be a good American consumer and spend spend spend like there’s no tomorrow… heh heh. 🙂

[Coronita]

Well, I have the classic case of murphy’s law…But I guess relative to my previous rate (closer to 5.5% with a 30 year jumbo)..My case, I went for 30 to 15 years so it’s not exactly an apples to applies comparison… I’m not complaining. yet…(though I will be when rates hit 3%)..

My monthly payments will be $3.1k a month. A comparable neighbor’s home just rented for $3.2k a month…Of course, on top of that I have about $1k/month wrto prop taxes, insurance,etc…Not to mention that my principal is tied up…So, for me, renting would still be cheaper…Oh well….

Hmmm. With all the money I save on payments, no I can be a good American consumer and spend spend spend like there’s no tomorrow… heh heh. 🙂

[Coronita]

Well, I have the classic case of murphy’s law…But I guess relative to my previous rate (closer to 5.5% with a 30 year jumbo)..My case, I went for 30 to 15 years so it’s not exactly an apples to applies comparison… I’m not complaining. yet…(though I will be when rates hit 3%)..

My monthly payments will be $3.1k a month. A comparable neighbor’s home just rented for $3.2k a month…Of course, on top of that I have about $1k/month wrto prop taxes, insurance,etc…Not to mention that my principal is tied up…So, for me, renting would still be cheaper…Oh well….

Hmmm. With all the money I save on payments, no I can be a good American consumer and spend spend spend like there’s no tomorrow… heh heh. 🙂

[Coronita]

Well, I have the classic case of murphy’s law…But I guess relative to my previous rate (closer to 5.5% with a 30 year jumbo)..My case, I went for 30 to 15 years so it’s not exactly an apples to applies comparison… I’m not complaining. yet…(though I will be when rates hit 3%)..

My monthly payments will be $3.1k a month. A comparable neighbor’s home just rented for $3.2k a month…Of course, on top of that I have about $1k/month wrto prop taxes, insurance,etc…Not to mention that my principal is tied up…So, for me, renting would still be cheaper…Oh well….

Hmmm. With all the money I save on payments, no I can be a good American consumer and spend spend spend like there’s no tomorrow… heh heh. 🙂

[Coronita]

Well, I have the classic case of murphy’s law…But I guess relative to my previous rate (closer to 5.5% with a 30 year jumbo)..My case, I went for 30 to 15 years so it’s not exactly an apples to applies comparison… I’m not complaining. yet…(though I will be when rates hit 3%)..

My monthly payments will be $3.1k a month. A comparable neighbor’s home just rented for $3.2k a month…Of course, on top of that I have about $1k/month wrto prop taxes, insurance,etc…Not to mention that my principal is tied up…So, for me, renting would still be cheaper…Oh well….

Hmmm. With all the money I save on payments, no I can be a good American consumer and spend spend spend like there’s no tomorrow… heh heh. 🙂

[meadandale]

Who’d you use flu?

I noticed that, for once, rates at SDCCU are actually competitive with the rest of the market. I’m seriously considering refinancing. I bailed on refinancing last year because right when I started looking rates started going up.

My first is at 5.875% and my second is at 7.25% for a blended rate of 6.15%.

I’ve been in my house about 7 years. Although I hate the idea of taking out a new 30 year loan, I figure that at 30 year loan rates my payment would be less than my current first and I could keep paying the same amount. That gives me some breathing room if I ever decide to move and rent this place out as I’d almost be in the black (less property taxes) on the payment.

[meadandale]

Who’d you use flu?

I noticed that, for once, rates at SDCCU are actually competitive with the rest of the market. I’m seriously considering refinancing. I bailed on refinancing last year because right when I started looking rates started going up.

My first is at 5.875% and my second is at 7.25% for a blended rate of 6.15%.

I’ve been in my house about 7 years. Although I hate the idea of taking out a new 30 year loan, I figure that at 30 year loan rates my payment would be less than my current first and I could keep paying the same amount. That gives me some breathing room if I ever decide to move and rent this place out as I’d almost be in the black (less property taxes) on the payment.

[meadandale]

Who’d you use flu?

I noticed that, for once, rates at SDCCU are actually competitive with the rest of the market. I’m seriously considering refinancing. I bailed on refinancing last year because right when I started looking rates started going up.

My first is at 5.875% and my second is at 7.25% for a blended rate of 6.15%.

I’ve been in my house about 7 years. Although I hate the idea of taking out a new 30 year loan, I figure that at 30 year loan rates my payment would be less than my current first and I could keep paying the same amount. That gives me some breathing room if I ever decide to move and rent this place out as I’d almost be in the black (less property taxes) on the payment.

[meadandale]

Who’d you use flu?

I noticed that, for once, rates at SDCCU are actually competitive with the rest of the market. I’m seriously considering refinancing. I bailed on refinancing last year because right when I started looking rates started going up.

My first is at 5.875% and my second is at 7.25% for a blended rate of 6.15%.

I’ve been in my house about 7 years. Although I hate the idea of taking out a new 30 year loan, I figure that at 30 year loan rates my payment would be less than my current first and I could keep paying the same amount. That gives me some breathing room if I ever decide to move and rent this place out as I’d almost be in the black (less property taxes) on the payment.

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