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Hmmm... Mortgage Rates.
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<blockquote data-quote="Toddy" data-source="post: 86308" data-attributes="member: 419"><p>I was told 2 points, but i am in the process of it now. Mine is at 6.25 and I am getting 4.75 on a 30. I can get almost 20,000 back and pay closing cost and my payment stay the same. Or I can just get what I need a my payment drop $150 a month. I am thinking take no money and keep paying the extra $150. I figured it and I can get out in 15 years if I keep paying the extra. Gonna be hard to turn down the money when it is time to sign though. </p><p></p><p>What gets me is closing cost. Mine will be almost 5 grand. What cost 5 grand to do some paper work? I mean they are gonna make double what I am barrowing in the long run. Eat a little of that up front. I can see $1000 or so for the title search and such but $5000 :<img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile :)" loading="lazy" data-shortname=":)" />. And I had to pay the $350 for them to come appraise it.</p><p></p><p>Most places will refinace up to 80% of the value of the home. Had a good friend build mine 3 years ago and he didnt charge me anything to build it so i am in grat shape. Bit appraisels are down 15% to 20%. If you are really intersted and dont know what your house is worth find a realitor. If it is a friend just ask or tell them you are thinking about selling and ask what you should ask.</p><p></p><p></p><p></p><p>Toddy</p></blockquote><p></p>
[QUOTE="Toddy, post: 86308, member: 419"] I was told 2 points, but i am in the process of it now. Mine is at 6.25 and I am getting 4.75 on a 30. I can get almost 20,000 back and pay closing cost and my payment stay the same. Or I can just get what I need a my payment drop $150 a month. I am thinking take no money and keep paying the extra $150. I figured it and I can get out in 15 years if I keep paying the extra. Gonna be hard to turn down the money when it is time to sign though. What gets me is closing cost. Mine will be almost 5 grand. What cost 5 grand to do some paper work? I mean they are gonna make double what I am barrowing in the long run. Eat a little of that up front. I can see $1000 or so for the title search and such but $5000 ::). And I had to pay the $350 for them to come appraise it. Most places will refinace up to 80% of the value of the home. Had a good friend build mine 3 years ago and he didnt charge me anything to build it so i am in grat shape. Bit appraisels are down 15% to 20%. If you are really intersted and dont know what your house is worth find a realitor. If it is a friend just ask or tell them you are thinking about selling and ask what you should ask. Toddy [/QUOTE]
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