meara, a refi is a no brainer if you owe a lot and you might appraise at at least equal or more (a lot being for your market. a 1% diff on my owed is not a ton of $$. Now if owed $200K+...) Also, what it will cost you if you restart the loan term vs squinch it.
I can hurt a demon!! That's right. I'm back. And I'm a BLOODY ANIMAL!
Spike ,'Showtime'
Natter 71: Someone is wrong on the Internet
Off-topic discussion. Wanna talk about corsets, duct tape, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
sarameg - May 22, 2013 6:30:08 pm PDT #23347 of 30001
-t - May 22, 2013 6:30:36 pm PDT #23348 of 30001
I am a woman of various inclinations and only some of the time are they to burn everything down in frustration
I live halfway between SF and Sacramento. Napa-adjacent, as I like to say.
Ginger - May 22, 2013 6:33:39 pm PDT #23349 of 30001
"It didn't taste good. It tasted soooo horrible. It tasted like....a vodka martini." - Matilda
A thunderstorm started about 10 minutes ago. I just remembered some things I left outside. Sigh.
meara - May 22, 2013 6:35:39 pm PDT #23350 of 30001
T, that's where I am right now! For some reason I thought you lived south. I am at....uh... A doubletree in "American Canyon"? Next time I'm up here we should hang.
I know a refi makes sense for me, but don't even know where to start. I feel like I should make sure I get the best rate, but don't want to do the work, y'know? Wells Fargo owns my mortgage currently.
le nubian - May 22, 2013 6:50:43 pm PDT #23351 of 30001
"And to be clear, I am the hell. And the high water."
Burrell - May 22, 2013 6:51:21 pm PDT #23352 of 30001
Why did Darth Vader cross the road? To get to the Dark Side!
LA would be a big move, no doubt, ~t, but there are nice things about LA. Not sure it's as nice as Napa, but it's been home to me all my life.
-t - May 22, 2013 6:59:01 pm PDT #23353 of 30001
I am a woman of various inclinations and only some of the time are they to burn everything down in frustration
Dude, American Canyon is so close to me! Definitely let me know next time. I totally know that Doubletree, in fact.
I went with QuickenLoans because they made it easy to do so. So far it's gone pretty smoothly: mostly online communication, a few phone calls, I had to mail in one document. They were not clear about how best to do that, but I suspect that is because mostly people do not have to mail in originals. My house is upside down, but my new interest rate is low enough to make a substantial difference to my monthly payments, which is what I wanted. It'll be paid off 30 years from now instead of 24, but that far in the future is so theoretical to me right now, I can't worry about it.
-t - May 22, 2013 7:03:32 pm PDT #23354 of 30001
I am a woman of various inclinations and only some of the time are they to burn everything down in frustration
I lived in LA for a year after college, Burrell, and there was a lot I liked about it. Never found a job and got offered a cheap place to live elsewhere so I moved away, but I wouldn't mind going back. It'd be farther from my sister and parents, but closer to my brother and nephew, so, tradeoffs. The big question would be what to do with my house.
To put the cart so far before the horse that a casual observer would not assume any connection between the two.
Kat - May 22, 2013 7:05:50 pm PDT #23355 of 30001
"I keep to a strict diet of ill-advised enthusiasm and heartfelt regret." Leigh Bardugo
-t, but we're here.
Today I sat in 7 IEPs pretty much back to back, as well as ran most of a girl scout meeting and then went to summer camp orientation. They will take Grace! Which means she'll get to go to summer camp for the first time!
le nubian - May 22, 2013 7:12:18 pm PDT #23356 of 30001
"And to be clear, I am the hell. And the high water."
The big question would be what to do with my house.
Buffista vacation home, of course...