Mortgages discussions and local services.
naturalist56
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RE: DITCHING THAT PESKY MORTGAGE INSURANCE - WORTH THE HASSLE?
I get where you're coming from, but refinancing actually worked out pretty well for me. Yeah, the closing costs were a bit of a sting upfront, but I managed to snag a significantly lower interest rate at the same time. W...
RE: When Can I Finally Ditch Mortgage Insurance?
We had something pretty similar happen last year. Initially, we thought we'd have to wait at least another two or three years to hit that 20% mark naturally, but after renovating our old 80s-style kitchen and updating th...
RE: Found a dream home thanks to rural loan perks
Haha, you're definitely not alone there. Plumbing is one of those things that always seems simpler on paper...until water starts spraying everywhere. I remember confidently tackling a kitchen sink leak thinking I'd save ...
RE: Locked in My Mortgage Rate at the Perfect Time
Refinanced a few years back myself, and yeah, restarting the clock definitely slowed down equity buildup. At first, I was mostly focused on the lower monthly payments, but after a while, I realized I wasn't making as muc...
RE: Figuring out how much of my house I actually own
Banks don't usually rely on Zillow - they'll order their own appraisal when you're refinancing. Zillow's okay for a rough guess, but don't sweat the daily ups and downs. It gets easier to gauge value over time, promise.
RE: Thinking about adjustable-rate mortgages - smart move or ticking time bomb?
Yeah, timing really is everything with ARMs. I refinanced out of mine a couple years back - didn't catch the absolute lowest rates, but still saved myself from the recent spike. Honestly, ARMs can be great if you're plan...