Mortgages discussions and local services.
medicine_jack
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RE: Wondering if I can still qualify for a HARP refi these days
I get what you're saying - paperwork headaches alone shouldn't be the reason to write off HARP completely. From my own experience, it wasn't exactly a walk in the park, but it did help me out when I was underwater on my ...
RE: Thinking about refinancing my mortgage - worth it or waste of time?
Great points here, especially about factoring in how long you'll actually stay put. When I refinanced a couple years ago, I was so focused on the lower monthly payments that I almost overlooked the closing costs and brea...
RE: Locked in My Mortgage Rate at the Perfect Time
Totally agree - it's easy to obsess over tiny rate differences, but at some point, sanity has to win out. A couple things I've learned from my own mortgage journey: - Even a 0.25% difference can mean thousands over the ...
RE: Getting your mortgage company to pick up the pace
Honestly, I think you've nailed it right there. I've been through this process twice now - once with a big national lender and once with a smaller local credit union - and both times felt like watching paint dry. ὠ...
RE: Thinking about adjustable-rate mortgages - smart move or ticking time bomb?
Totally get your point, but ARMs still make me a bit uneasy. A few friends jumped into them thinking they'd refinance or move within five years, but life threw curveballs (job changes, unexpected expenses...) and they en...
RE: Digging into loan options - local credit union or big online lender?
Good points, but honestly, I've had better luck with online lenders lately. - Rates were surprisingly competitive (saved me a good chunk). - Paperwork turnaround was quicker than expected. - Didn't have to charm an...