Gorilla800lbs 12 Posted January 11, 2012 I have no idea whether this kind of stuff goes here, but I just locked a killa 3.00% / 15yr fixed refinance rate with IMG, based out of Lakewood, NJ. Quote Share this post Link to post Share on other sites
mike 14 Posted January 11, 2012 congrats any points Quote Share this post Link to post Share on other sites
Gorilla800lbs 12 Posted January 11, 2012 No points. No lender fees. The only closing fees are those that the independent appraiser, the flood surveyer, the title company (RACKET), and the gub'mint collect. Altogether about $2,900 due. Quote Share this post Link to post Share on other sites
dino71 7 Posted January 11, 2012 Was your credit perfect? or did it have any dings in it? Quote Share this post Link to post Share on other sites
Gorilla800lbs 12 Posted January 11, 2012 My three-agency-average was 779 and my wife's 746. They want 740 and above for 3.0%. Quote Share this post Link to post Share on other sites
mike 14 Posted January 11, 2012 you did excellent just re-fied in december 3.5 15 year .and if you want take 1/12 of your monthly payment.and add it too your principle,you will pay off your mortgage in 13.5 years Quote Share this post Link to post Share on other sites
4redz 2 Posted January 13, 2012 i always debate (mostly with myself) about adding $$ to pay off a great rate mortgage early, or keeping the historically cheap money for as long as I can. Quote Share this post Link to post Share on other sites
charleslee 44 Posted April 27, 2012 I just bought a townhouse last yr., 4.5% 30 yr. fixed (of course).$111.5K. I'm 54 this yr. so I'll probably croak before paying it off. I'll probably also never be able to retire. I still don't know if it was a colossal F-UP or not. Also, I send in an additional $200.00/mo. principal. Your thoughts? Quote Share this post Link to post Share on other sites
charleslee 44 Posted April 27, 2012 Also, I tried to refinance this yr. for an even lower rate but was told it was too early, wouldn't be feasible, pts., wouldn't be something. Don't remember all said but a no go. Quote Share this post Link to post Share on other sites
PK90 3,570 Posted April 27, 2012 That extra $200 will take off about 12.3 years. LINK Quote Share this post Link to post Share on other sites
this_is_nascar 162 Posted April 27, 2012 Trust me, whenever you can send extra $$$ for the mortgage principal, do it. Do it every time you can. Also, send money to your mortgage company every two-weeks, as opposed to once a month. It will make a huge difference. Quote Share this post Link to post Share on other sites
BD104X 1 Posted April 27, 2012 Don't mean to hijack this thread, but anybody recommend a good home inspector in the Freehold / Howell area? I'm in attny review on a home in Howell now.... Quote Share this post Link to post Share on other sites
simmons 1 Posted April 27, 2012 My bank lets me pay my mortgage weekly. If you can I recomend this. More of your payment goes towards principal this way. Quote Share this post Link to post Share on other sites
this_is_nascar 162 Posted April 27, 2012 My bank lets me pay my mortgage weekly. If you can I recomend this. More of your payment goes towards principal this way. Absolutely, that's even better. I can't stress enough how beneficial it will be to you to sink every extra penny you can into your principal. Quote Share this post Link to post Share on other sites
BarkNBite 15 Posted April 27, 2012 Try the Money Store in Florham Park............rates a rediculously low now. Quote Share this post Link to post Share on other sites
TheLugNutZ 21 Posted April 27, 2012 Don't mean to hijack this thread, but anybody recommend a good home inspector in the Freehold / Howell area? I'm in attny review on a home in Howell now.... Im actually under contract on a home in howell as well. PM me Quote Share this post Link to post Share on other sites