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Old 12-05-2012, 12:50 PM   #1021
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true. i'd prob accelerate payments depending on how much i charge for rent. i just want the payment to be lower so that i have the option to pay less principle to free up cash.

Quicken is getting back to me with offer and about to tell Royal lady hers sucks.


in for results and hilarity to ensue.
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Old 12-05-2012, 12:54 PM   #1022
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in for results and hilarity to ensue.
ok, now you're scaring me. are the rates i'm about to tell her to give me without fees realistic? or will she just hang up on me? she's polish or russian and has my address, so i'm afraid some russki will show up at my door with a pipe
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Old 12-05-2012, 01:01 PM   #1023
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ok, now you're scaring me. are the rates i'm about to tell her to give me without fees realistic? or will she just hang up on me? she's polish or russian and has my address, so i'm afraid some russki will show up at my door with a pipe
they are real and factual.
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I can honestly say that because of Griffin, i am desensitized to alot of wierd stuff!
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Old 12-05-2012, 01:26 PM   #1024
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If she ask for proof, just get a quote printout from amerisave.com. It was something like $200 in total out of pocket cost for 3.625 30yr which is more or less a no-cost refi.
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Old 12-05-2012, 01:35 PM   #1025
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i almost went with amerisave, but the reviews were sketchy as hell. thanks
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Old 12-05-2012, 01:46 PM   #1026
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I've done 2 with them just fine. Another 2 with Box. They're fine if your application is straight forward and have enough equity.

They're swamped with tons of applications lately. Don't expect a speedy closing process from them. Takes me about 2 months to close.
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Old 12-05-2012, 02:43 PM   #1027
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i told her that the fees and rates were outrageous and there were a lot of ummms and well ah i'll see what i can do, but those are our standard rates.

we'll see what she comes back with, but $1795 origination fees and points with the rates she gave me are fvcking ridiculous.
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Old 12-05-2012, 03:16 PM   #1028
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i told her that the fees and rates were outrageous and there were a lot of ummms and well ah i'll see what i can do, but those are our standard rates.

we'll see what she comes back with, but $1795 origination fees and points with the rates she gave me are fvcking ridiculous.
she should call or email you before days end.
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I can honestly say that because of Griffin, i am desensitized to alot of wierd stuff!

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Old 12-05-2012, 04:57 PM   #1029
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i almost went with amerisave, but the reviews were sketchy as hell. thanks
Their service can be spotty and they tend to ask for the same documents serveral times, but a few of my friends closed refi's with them. I would NEVER use them for a purchase. Those refi's took like 2.5 months because they are so swamped.
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Old 12-06-2012, 05:06 PM   #1030
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i told her that the fees and rates were outrageous and there were a lot of ummms and well ah i'll see what i can do, but those are our standard rates.

we'll see what she comes back with, but $1795 origination fees and points with the rates she gave me are fvcking ridiculous.
did she call you?
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I can honestly say that because of Griffin, i am desensitized to alot of wierd stuff!
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Old 12-06-2012, 05:10 PM   #1031
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I am thinking aobut buying another rental. Once taxes are finsihed.
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I can honestly say that because of Griffin, i am desensitized to alot of wierd stuff!
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Old 12-06-2012, 05:43 PM   #1032
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she called and is looking at what she can do. i was busy today and didn't contact her

quicken guy is talking to his director to see what kind of a package he can put together for me since it is two properties. i don't think quicken does no cost loans, but i have used them in the past and they get **** done fast.
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Old 12-06-2012, 05:45 PM   #1033
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she called and is looking at what she can do. i was busy today and didn't contact her

quicken guy is talking to his director to see what kind of a package he can put together for me since it is two properties. i don't think quicken does no cost loans, but i have used them in the past and they get **** done fast.
I don;t know how much longer they will be around since they are being indited for false advertising on a couple of thier commercials
It will takea few years to close them since they are a large company, but they will be gone soon.
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I can honestly say that because of Griffin, i am desensitized to alot of wierd stuff!

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Old 12-06-2012, 05:53 PM   #1034
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Just got a USDA loan @ 3.0 % interest in NC. Thoughts?

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Old 12-06-2012, 05:55 PM   #1035
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Just got a USDA loan @ 3.0 % interest in NC. Thoughts?

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For USDA you should get 100% ffinancing, and no mortgage insurance.
3% is a great rate.
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Old 12-06-2012, 08:02 PM   #1036
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For USDA you should get 100% ffinancing, and no mortgage insurance.
3% is a great rate.
We got 100% financing and $53/month PMI. Even dropping only 5% downpayment we would have lost a lot of money. I don't quite frankly understand it all but I'm pretty sure I'm never going to refinance.
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Old 12-06-2012, 08:15 PM   #1037
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Isn't PMI mortgage insurance? I don't know if I want to pay that when it's not deductible.
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Old 12-06-2012, 08:41 PM   #1038
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Isn't PMI mortgage insurance? I don't know if I want to pay that when it's not deductible.
I'm not going to lose sleep over a $500 deduction. I take the standard deduction anyways.
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Old 12-06-2012, 09:10 PM   #1039
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Really, you must have a smaller loan then.
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Old 12-06-2012, 09:43 PM   #1040
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Isn't PMI mortgage insurance? I don't know if I want to pay that when it's not deductible.
Yes, it stands for private mortgage instance
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