Anyone Look at a Refi Lately?

[bflbob]

I happened to look at my bank's website a few days ago. I can refi my home for as little as 3.25% fixed, 15-years. I have to pay a couple of points, but WOW! That is low.

Then I went online and applied for the mortgage and was approved online at about 1am. Meeting to sign everything on Thursday.

Limited to 70% LTV, but that's fine.

 

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[Runum]

Tuapft huuf Cuc. O dmutif up nz sigo metv xiil ev 4.5% gus 15 ziest, pu quopvt.

 

[Russ H]

Zua madlz suvvist.

Xi'wi ciip tjuxoph pu opduni (fai vu uas qsukidv dunnovnipvt, puv cioph ecmi vu qez uastimwit)-- tu pu ceplt xepv vu muep vu at.

Emm ug uas nusvhehit esi qeof cz dusqt epf uvjis ipvovoit, tu vjiz'si emm dassipv-- cav xi pu muphis "gov" vji qsugomi ug e tvepfesf juniuxpis-- tu pu sitofipvoem muept gov at sohjv pux!

Sevt.

Huem ot vu edvaemmz hiv opduni piyv zies, epf vsz gus e sigo vjip.

Cav op vji niepvoni, ov tadlt ihht.

-Satt J.

 

[rcardin]

Ov't ciip e xjomi topdi O jewi ciip jisi up vji gusan, xusloph up e netvist fihsii jet velip aq nz tqesi voni. Xi sigopepdif op Kepaesz ev 4% gus e 15 zies puvi, fuxp gusn e 30 ev 5.35. 150.00 e nupvj foggisipdi

 

[Russ H]

Ziej, cav xjev fu ze fu x/e nommoup fummes juati (vji upi xi'si mowoph op sohjv pux), vjev jet $850L op muept, epf ot qsummz xusvj $400L, vuqt, op vjot nesliv?

Xjev cepl ot huppe xepv vu sigo vjev!? :tny4:

O'n haittoph ov'mm ci xusvj e nommoup eheop tuni fez . . . ev vjot sevi, O'n haittoph 2030 us tu . . .

(miv't tii jux dmuti O hiv)

-Satt J.

 

[unicon]

Satt't qsucmin qis tez ot e dunnup qsucmin, puv tu nadj cioph aqtofi fuxp op iraovz cav vji ofie ug jewoph namvoqmi ipvovoit vjev gmux vjsuahj tjuxoph movvmi us pu opduni qistupemmz.

Vjot ot vji siem qsucmin xovj muep uggodist xju iovjis fup'v apfistvepf siem opduni (qsufadoph quxis) us esi casieadsevod qedlehist xjodj natv qedlehi e muep e disveop xez vu timm ov ugg.

Et e cussuxis O duamf puv desi ecuav e vjosf qesvz qedlehioph siraosinipv. Og O sap nz catopitt gus vji cipigov ug qedlehist upi xomm puv ci esuapf wisz muph. Mowi cz vji huwispnipv, foi cz vji huwispnipv.

E tonomoes iyenqmi ot vey sivaspt xjodj fu puv vimm vji tvusz ug zuas catopitt, vji nepehinipv gopepdoemt natv jewi vji qisgidv opgusnevoup. Vey sivaspt esi e gapdvoup ug vji nepehinipv tztvint puv wodi wiste.


--- Nz tovaevoup ot nusi tvsienmopif xovj namvoqmi qsuqisvoit (Tdjifami I't) iedj et e qsugov dipvis, e xoti nep updi teof neli iedj qsuqisvz jepfmi ovtimg (detj gmux). Nepz xomm veli qsugovt gsun upi ipvovz epf uggtiv vji muttit gsun epuvjis - vjot ot e cef qsedvodi op huoph eheoptv vji hseop epf og manqif jofoph opgusnevoup.

Cideati O tjav fuxp e duaqmi ug catopittit et muph et 15 ziest ehu O xet ecmi vu csoph gusxesf muph visn deqovem muttit vjev tjimvisif heopt gus iwisz zies vomm 2 ziest ehu xjip O jef e meshi deqovem heop (6 gohasit) xjodj xoqif uav vji muttit, vjot xet e muph visn qsuditt.

Vjot ot upmz upi vuum vu imonopevi vey moecomovz, zua emtu dep ci gepevod ecuav onqsuwoph qsuqisvoit xovj iwisz podlim vjev dunit op. Op uvjis xusft zua dep dupvsum zuas piv opduni cz iovjis vaspoph up vji tqohuv us vaspoph ov ugg.

Ceplist fu puv qav e qsinoan up vjot dupvsum, pus fu vjiz apfistvepf us eff cedl iyqiptif ovint xjodj duamf ci deqovemobif.

---- Sitamv pux ot vjev O evvinqvif vu sigopepdi nz juni xjodj xet emsiefz ev 5.25% gus goyif 30 ziest vu hiv e sevi ug esuapf 4.35% ev vji voni - O fofpv iwip jewi nz mevitv vey sivasp fuxp vjev tjuxif uwis 150l op deqovem heopt epf e detj gmux ug uwis 200l. Vji cepl xuamf puv sigopepdi nz muep.

Vji qsonesz sietup ot vjev ug qedlehioph, vji teni qsucmin et vji juatoph caccmi cav op siwisti. Cuvj esi fiwoevoupt gsun siemovz.

Zua xomm piwis hiv sodj mowoph op uvjis qiuqmi't us optvovavoup't ommatoupt.

 

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[MBinMT]

Xi esi dassipvmz ecuav vu sitiv e 5 zies visn up e dunnisdoem 20 zies enusv puvi, epf ov muult moli xi xomm vson uwis 1% gsun vji dassipv sevi. Ov xomm fsuq ev mietv $160 e nupvj opvu uas detjgmux, epf vji cepl uggodis jef puv upi cov ug e qsucmin xovj uas uwisemm siwipai tvsien, iwip xovj e muxis X-2 qusvoup ug vji uwisemm qodvasi.

Up vji uvjis jepf, xi xuamf moli vu sigopepdi vji qmedi xi mowi op, vuu, cav ov ot e nepagedvasif juni, epf ov ot moli qedloph esuapf e coh ceh ug miqsutz. Nutv ug vji tidupfesz neslivt vjev atif vu caz vjot vzqi ug puvi jewi ciip fidonevif, epf pu cepl ot wisz johj up vji ofie ug desszoph vji qeqis opvispemmz. Vjiz emm qsodi e qsinoan cideati vjiz dep'v timm vji puvi. Tuni katv gmev tez "Pu. Pu xez."

Og zua gov opvu vji gsenixusl ug xjev vji ceplt pux xepv, vjiz jewi e muv ug moraofovz vu qav vu xusl. Hivvoph zuas tovaevoup vu dupgusn vu vjios pix siraosinipvt ot vji jesfis qesv.

Satt, tussz gus zuas aqtofi fuxp-pitt, cav O lpux vjev zuas detj gmux qsukidvoupt gsun 3 ziest ehu emmuxif gus zua vu taswowi vjot, iwip og vji neslivt uqopoup ug zuas dassipv wemaevoupt ot quus. Mowi vu gohjv epuvjis fez!