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  1. #1
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    Sweaty Dick Punching Enthusiast

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    Random Win III: The irl Fuck Ya thread - BG lost their jobs and moved back into the basement.


  2. #2
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    Waited until pretty much this point in the process to mention it to anyone because I'm superstitious, but it's a double win for today.

    Inspection on the new house was basically perfect, no issues at all.

    Locked in a 2.9% mortgage rate. Barely missed that 2.8 but I'm not gonna complain about that lol.

  3. #3

    Sweaty Dick Punching Enthusiast

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    Double good news! Congrats Boyiee

  4. #4
    Nidhogg
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    Congrats Boyiee!

  5. #5
    I'll change yer fuckin rate you derivative piece of shit
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    Quote Originally Posted by Boyiee View Post
    Waited until pretty much this point in the process to mention it to anyone because I'm superstitious, but it's a double win for today.

    Inspection on the new house was basically perfect, no issues at all.

    Locked in a 2.9% mortgage rate. Barely missed that 2.8 but I'm not gonna complain about that lol.
    I just rate-locked a refi (finally) at 2.875%. It's going to save me $795 PER MONTH on interest (down from the 5.125% mortgage I've had the past 1.5 years). Ridiculous.

  6. #6
    Caesar Salad
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    God damn 5.125%? Is that typical for new home owners or something cause thats scaring me

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  7. #7

    Sweaty Dick Punching Enthusiast

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    4.875% here

    twas pretty typical of the time

  8. #8
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    Quote Originally Posted by archibaldcrane View Post
    I just rate-locked a refi (finally) at 2.875%. It's going to save me $795 PER MONTH on interest (down from the 5.125% mortgage I've had the past 1.5 years). Ridiculous.
    Yepp, current house is 5.125%, missed 2.875 by 1 day and took the 2.9.

    Accepted an offer today too, home stretch.

  9. #9

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    Also in the 4.875 bracket from 2 years ago

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  10. #10
    I'll change yer fuckin rate you derivative piece of shit
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    Quote Originally Posted by Roranora View Post
    4.875% here

    twas pretty typical of the time
    Quote Originally Posted by Zeb View Post
    Also in the 4.875 bracket from 2 years ago

    Sent from my IN2025 using Tapatalk
    You should both start a refi, right now. I can recommend you my guy if you want.

  11. #11
    I'll change yer fuckin rate you derivative piece of shit
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    Also mine was that high because it was some special program because I didn't have 2 years of high enough income on my tax returns. Dunno exactly how it worked but it was at least a half point higher than a normal loan.

    I barely was able to get this mortgage initially.

  12. #12

    Sweaty Dick Punching Enthusiast

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    Quote Originally Posted by archibaldcrane View Post
    You should both start a refi, right now. I can recommend you my guy if you want.
    don't think we can afford it but thanks meng

  13. #13
    I'll change yer fuckin rate you derivative piece of shit
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    Quote Originally Posted by Roranora View Post
    don't think we can afford it but thanks meng
    Just fold the closing costs into the new loan.

    You'll pay nothing out of pocket and pay hundreds less per month in interest. Unless your income situation has been upended to the point you wouldn't qualify, you should definitely look into it at least.

  14. #14

    Sweaty Dick Punching Enthusiast

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    Quote Originally Posted by archibaldcrane View Post
    Just fold the closing costs into the new loan.

    You'll pay nothing out of pocket and pay hundreds less per month in interest. Unless your income situation has been upended to the point you wouldn't qualify, you should definitely look into it at least.
    we went from 2 incomes to 1, i figure no way we'll qualify

  15. #15

    Sweaty Dick Punching Enthusiast

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    but i did bill 69 hours last week so at least i'm going hard on my little hamster wheel in the matrix

  16. #16
    Old Odin
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    I'm on pace to pay our 30 year mortgage off in 7 years right now (4 years left) and I can't figure out if refi saves me any money in the next 4 years or not.

  17. #17
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    Quote Originally Posted by Buffy View Post
    I'm on pace to pay our 30 year mortgage off in 7 years right now (4 years left) and I can't figure out if refi saves me any money in the next 4 years or not.
    That's nuts. We were debating doing the 1-2 extra payments a year (5th week paychecks) this time around. Our biggest problem right now is deciding if we want PMI or not and rolling less of the sale of our house into the mortgage to have cash on hand to do some bigger things.

  18. #18
    I'll change yer fuckin rate you derivative piece of shit
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    Quote Originally Posted by Buffy View Post
    I'm on pace to pay our 30 year mortgage off in 7 years right now (4 years left) and I can't figure out if refi saves me any money in the next 4 years or not.
    Talking to a mortgage guy is free.

  19. #19
    Hackey Thread Lurker since 2010
    I could have bought an 11 pull and have 1000 gems left over, but all I got was this silly title.

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    My dad's house has a rate of 3.6% and as much as a refi would make sense, I think my brothers and I want equity in the house in case he croaks and we sell it for double the loan amount.

  20. #20

    got my visit to the dentist done today for the first time in ~20 years. cleaning done, followed by them doing a filling of the one real cavity i had plus two tiny cavities that were started nearby - all had been there for over a year though, so they didn't seem to be progressing any further. after that came extraction of top two wisdom teeth that also had cavities so insurance covered it. (bottom two are impacted so that requires a specialist and they have no cavities so insurance might not cover it... but since they might also be the cause of my tmj, it might.)

    all went off without a hitch, dentist said i only had mild gingivitis and a bit of tartar buildup other than the cavities, which they're kind of shocked by, all of which was easily dealt with. i always knew flossing was bad for you! (i do brush morning and night though. :P ) wisdom tooth extraction so far seems pretty painless too....the numbing has pretty much worn off, the bleeding is almost nonexistant (they commented on how little they bled), and...do people really need valium for this? seriously, i barely feel it. ibuprofen + tylenol + caffeine and it's basically a 0.1 on the pain scale. ya'll are wimps. =/ (j/k)



    oh, and i finally, after months of on and off farming, got this title i've been aiming for:



    it's a perfect fit of a title for my name! \:D/

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