[vizcaya]

I have had good results with this routine ,

http://forum.bodybuilding.com/showthread.php?t=160947761

[vizcaya]

It was 85 at my San bern mountain cabin yesterday for a couple hours. That was almost miserable. Granted, the flat landers we’re dealing with 105 degree temps, so can’t complain too much.

[vizcaya]

There are people that think rates will continue to fall, and wait till its too late.

I agree that if the new rate is better than your current rate, and you are able to stay in the home long enough to recover costs, its a good deal.

I refi everytime the numbers make sense. On my second refi.

Bought home late 2007 , rate was 6.5 30yr fixed.
Early 2008 I refi at 5.375 30 year fixed.

Refi just closed last week at 3.75 15 yr fixed.

[vizcaya]

There are people that think rates will continue to fall, and wait till its too late.

I agree that if the new rate is better than your current rate, and you are able to stay in the home long enough to recover costs, its a good deal.

I refi everytime the numbers make sense. On my second refi.

Bought home late 2007 , rate was 6.5 30yr fixed.
Early 2008 I refi at 5.375 30 year fixed.

Refi just closed last week at 3.75 15 yr fixed.

[vizcaya]

There are people that think rates will continue to fall, and wait till its too late.

I agree that if the new rate is better than your current rate, and you are able to stay in the home long enough to recover costs, its a good deal.

I refi everytime the numbers make sense. On my second refi.

Bought home late 2007 , rate was 6.5 30yr fixed.
Early 2008 I refi at 5.375 30 year fixed.

Refi just closed last week at 3.75 15 yr fixed.

[vizcaya]

There are people that think rates will continue to fall, and wait till its too late.

I agree that if the new rate is better than your current rate, and you are able to stay in the home long enough to recover costs, its a good deal.

I refi everytime the numbers make sense. On my second refi.

Bought home late 2007 , rate was 6.5 30yr fixed.
Early 2008 I refi at 5.375 30 year fixed.

Refi just closed last week at 3.75 15 yr fixed.

[vizcaya]

There are people that think rates will continue to fall, and wait till its too late.

I agree that if the new rate is better than your current rate, and you are able to stay in the home long enough to recover costs, its a good deal.

I refi everytime the numbers make sense. On my second refi.

Bought home late 2007 , rate was 6.5 30yr fixed.
Early 2008 I refi at 5.375 30 year fixed.

Refi just closed last week at 3.75 15 yr fixed.

[vizcaya]

I am working with one of Sheldon’s partners, and was able to lock the following:

15yr fixed @ 3.75, no points 274k loan.
This is a true no cost loan. I locked about 10 days ago. Currently 3 yrs into a 30yr fixed @ 5.375.

I will be 52 when I pay this off, instead of 67.

[vizcaya]

I am working with one of Sheldon’s partners, and was able to lock the following:

15yr fixed @ 3.75, no points 274k loan.
This is a true no cost loan. I locked about 10 days ago. Currently 3 yrs into a 30yr fixed @ 5.375.

I will be 52 when I pay this off, instead of 67.

[vizcaya]

I am working with one of Sheldon’s partners, and was able to lock the following:

15yr fixed @ 3.75, no points 274k loan.
This is a true no cost loan. I locked about 10 days ago. Currently 3 yrs into a 30yr fixed @ 5.375.

I will be 52 when I pay this off, instead of 67.

[vizcaya]

I am working with one of Sheldon’s partners, and was able to lock the following:

15yr fixed @ 3.75, no points 274k loan.
This is a true no cost loan. I locked about 10 days ago. Currently 3 yrs into a 30yr fixed @ 5.375.

I will be 52 when I pay this off, instead of 67.

[vizcaya]

I am working with one of Sheldon’s partners, and was able to lock the following:

15yr fixed @ 3.75, no points 274k loan.
This is a true no cost loan. I locked about 10 days ago. Currently 3 yrs into a 30yr fixed @ 5.375.

I will be 52 when I pay this off, instead of 67.

[vizcaya]

These are good rates, when you add in the First Time Buyers 10k tax credit its a good deal. Now its still a matter of finding the bottom of the housing market. A better price is better than a great rate.

[vizcaya]

These are good rates, when you add in the First Time Buyers 10k tax credit its a good deal. Now its still a matter of finding the bottom of the housing market. A better price is better than a great rate.

[vizcaya]

These are good rates, when you add in the First Time Buyers 10k tax credit its a good deal. Now its still a matter of finding the bottom of the housing market. A better price is better than a great rate.

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