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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
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Old 02-18-2021, 03:11 PM   #7396
Hog's Gone Fishin Hog's Gone Fishin is offline
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The couple of Times we've done an ARM we've always planned to (and did) either sell the home or re-fi to a fixed before the ARM takes place. But the re-fi only makes sense after a couple of years (to cover the new closing costs/fees) and even then its not as smart as your broker says it is. You still waste money there.

This year there were no lenders giving fixed 30 year loans above $770K (or jumbo loans) which is the loan you need to get in California (places like LA and SF and surrounding areas) since most 3 bedroom homes are 1.1 - 1.5 million.
I think the solution ,which my banker said he could do , was to do a loan modification at the 5 years. So for example I could take the remaining 25 years and have them change it to 10 so I have the 15 yr loan in essence. Yes the required payment will be higher but I hate paying all the interest on a long term loan anyway. So looks like you got out of their scandle.
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Old 02-18-2021, 03:12 PM   #7397
MTG#10 MTG#10 is offline
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EBON down 2% after hours

bullet dodged!
Yeah it must be over, bankruptcy incoming.
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Old 02-18-2021, 03:13 PM   #7398
Hog's Gone Fishin Hog's Gone Fishin is offline
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PLUG down to $50. Hold, sell, or buy more?
I wouldn't sell anything today unless you want money to put in a better choice.
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Old 02-18-2021, 03:35 PM   #7399
SupDock SupDock is offline
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Originally Posted by Hog's Gone Fishin View Post
I think the solution ,which my banker said he could do , was to do a loan modification at the 5 years. So for example I could take the remaining 25 years and have them change it to 10 so I have the 15 yr loan in essence. Yes the required payment will be higher but I hate paying all the interest on a long term loan anyway. So looks like you got out of their scandle.
I assume this would essentially be a refinance, and have associated fees?
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Old 02-18-2021, 03:40 PM   #7400
Hog's Gone Fishin Hog's Gone Fishin is offline
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I assume this would essentially be a refinance, and have associated fees?
My bank will do a loan modification with minimal fees . No appraisal needed. Basically just a little paperwork. They're so wonderful.
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Old 02-18-2021, 03:47 PM   #7401
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My bank will do a loan modification with minimal fees . No appraisal needed. Basically just a little paperwork. They're so wonderful.
That is awesome.

Google indicates most lenders don't offer this without financial hardship for the borrower
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Old 02-18-2021, 04:06 PM   #7402
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Who the **** sold their CCIV....Clay?

That was a piss-poor EOD. Still green, I suppose....
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Old 02-18-2021, 04:13 PM   #7403
Hammock Parties Hammock Parties is offline
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Who the **** sold their CCIV....Clay?

That was a piss-poor EOD. Still green, I suppose....
Hell to the naw naw naw
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Old 02-18-2021, 04:26 PM   #7404
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Hell to the naw naw naw
Given the money you've made, you should have an awesome down payment for a house. Are you shooting for 20% down? Houses in the Midwest are super cheap, which is nice.
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Old 02-18-2021, 04:28 PM   #7405
Hammock Parties Hammock Parties is offline
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Given the money you've made, you should have an awesome down payment for a house. Are you shooting for 20% down? Houses in the Midwest are super cheap, which is nice.
25% and pre-approved already.

Ready to be terrified when something breaks.
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Old 02-18-2021, 04:35 PM   #7406
lewdog lewdog is offline
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25% and pre-approved already.

Ready to be terrified when something breaks.
Good for you. Awesome start.

Home ownership is a financial bitch. Seems like something is always needing to be replaced and my house isn't even that old!
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Old 02-18-2021, 04:57 PM   #7407
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Good for you. Awesome start.

Home ownership is a financial bitch. Seems like something is always needing to be replaced and my house isn't even that old!
I hate the idea of pissing money away on rent, but with the current housing prices and these kinds of things I can't deal with, I think I'll be a tenant for the foreseeable future.
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Old 02-18-2021, 04:58 PM   #7408
In58men In58men is offline
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Good for you. Awesome start.

Home ownership is a financial bitch. Seems like something is always needing to be replaced and my house isn't even that old!
The coil in my AC went out after 5 years lol.

We bought the house brand new.
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Old 02-18-2021, 04:59 PM   #7409
In58men In58men is offline
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I hate the idea of pissing money away on rent, but with the current housing prices and these kinds of things I can't deal with, I think I'll be a tenant for the foreseeable future.
Rent here in Cali is the same as a ****ing mortgage, it’s ridiculous.

It’s all about that interest rate though.
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Old 02-18-2021, 05:03 PM   #7410
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Buy home, sell for profits. Buy more expensive home, sell for bigger profits. Rinse, repeat until forever home. Too many people get attached to their piece of shit starter home.
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