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Home » HD Forums » Forums » Open Topic Forum » Anybody Looking for a Great deal on a house ReFi?
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AZKCMale Offline
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Post Icon Posted: Jan. 25 2004,12:18 pm Post # 1 see this member send this member a private message  quote this post in reply
The guru working his magic again :alien

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AUTO SAFETY HOUSE

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GoFastRacerMale Offline
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Post Icon Posted: Jan. 26 2004,6:30 am Post # 2 see this member send this member a private message  quote this post in reply
We just did ours a few months ago!. :good
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Post Icon Posted: Jan. 26 2004,3:08 pm Post # 3 see this member send this member a private message  quote this post in reply
Riverratmike and I need 2 ReFi. Does anyone know of a good person 2 use is Lake Havasu??
Also looking for a "good" ;)  Tax man..
ANY IDEAS?? :stupid

I'M ALL ABOUT THE PINK

HAVE A PHENOMENAL DAY!

 
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AZKCMale Offline
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Post Icon Posted: Jan. 26 2004,5:49 pm Post # 4 see this member send this member a private message  quote this post in reply
BBT :confused What up???

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BigBoyToysMale Offline
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Post Icon Posted: Jan. 26 2004,6:26 pm Post # 5 see this member send this member a private message  quote this post in reply
Ok, ok, I know I deleted my original posts.  Thought that it sounded to much like spam :stupid   Here's what we did/ are doing.

We contacted the loan dude last week.  He did a great job on a refi for us a few years ago so we figured we'd give him a shot.  He told us about a real good deal where we could "pick" our monthly payment depending on our monthly needs and circumstances.  Sounded great so we gave the verbal go ahead.  
Well, we had the appraiser come by this morning :good  and got the loan docs in the mail today to sign.  Let's just say this, for a loan of approximately $260k, our monthly payment will be about $450 less than it is currently!  Sounds like a great deal to me so we will probably look over the rest of the docs tonight and sign and return them tomorrow.  Should have the $$ within a week! :jumpie  :jumpie  :jumpie

Edited by BigBoyToys on Jan. 27 2004,5:11 am



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BigBoyToysMale Offline
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Post Icon Posted: Jan. 26 2004,6:30 pm Post # 6 see this member send this member a private message  quote this post in reply
Quote (RVRGIRL @ Jan. 26 2004,3:08 pm)
Riverratmike and I need 2 ReFi. Does anyone know of a good person 2 use is Lake Havasu??
Also looking for a "good" ;)  Tax man..
ANY IDEAS?? :stupid

Send me a PM if your interested in this refi deal after reading my above post, and I'll send ya his phone number.  Although it is a great deal for us (we will be getting approx $35k cash and lower house payment :good  :D ) it may not be the right deal for everyone.

If anyone is interested in a refi, pm or email me and I'll set ya up with the loan dude.

Edited by BigBoyToys on Jan. 26 2004,6:32 pm



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Post Icon Posted: Mar. 07 2004,10:05 am Post # 7 see this member send this member a private message  quote this post in reply
We went with someone local. We are getting about $32,000 back. BUT our house payment will be going up a little. Worth it in the long run. Paying off my car, sea doo, credit card bills ect. OOOO and buying Mike a NEW dirt bike.

I'M ALL ABOUT THE PINK

HAVE A PHENOMENAL DAY!

 
Thats "MRS" RVRGIRL 2 you.....
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BigBoyToysMale Offline
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Post Icon Posted: Mar. 08 2004,5:23 am Post # 8 see this member send this member a private message  quote this post in reply
We're getting around $35k back.  Paying off the credit cards and new roof on the house.  We had a 1st and 2nd Mortgage on the house and will be combining the 2 into one.  Our payment is actually going down for the first 2 years by a couple hundrd, and then after 2 years it will be about the same as where the 2 combined are now.



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BigBoyToysMale Offline
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Post Icon Posted: Mar. 08 2004,5:26 am Post # 9 see this member send this member a private message  quote this post in reply
We are just getting ready to sign docs this week.  Reason it's taken so long is because we backed outta the first loan when our house appraised at about $50k under market value by the Lenders Appraiser :angry   Went to a different loan company and got a much higher appraisel :good   Time to sign the docs today or tomorrow.



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AZKCMale Offline
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Post Icon Posted: Mar. 08 2004,6:21 am Post # 10 see this member send this member a private message  quote this post in reply
We did a FHA streamline and saved $150.00 a month with no money out of pocket. Only draw back was starting over at 30 years again but we arn't planning on staying here for much longer anyhow. Looking to do a total refi but I'll probably have to have a real job to do that :p

God is Great, Beer is Good, and People are Crazy......

AUTO SAFETY HOUSE

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BigBoyToysMale Offline
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Post Icon Posted: Mar. 08 2004,6:26 am Post # 11 see this member send this member a private message  quote this post in reply
Quote (AZKC @ Mar. 08 2004,6:21 am)
Looking to do a total refi but I'll probably have to have a real job to do that :p

LOL....I hear ya.  We had to do what was called a "stated" income.  Where they just checked employment but not the amounts.  If they saw what I make off of workers comp they'd have laughed me right outta the bank :laugh



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AZKCMale Offline
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Post Icon Posted: Mar. 08 2004,6:30 am Post # 12 see this member send this member a private message  quote this post in reply
Well I am self employed with a business license. But as far as income goes :rotflmao well lets just say I have a lot of write offs to do :D

God is Great, Beer is Good, and People are Crazy......

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GoFastRacerMale Offline
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Post Icon Posted: Mar. 08 2004,7:19 am Post # 13 see this member send this member a private message  quote this post in reply
Man can I relate to that!.. :rotflmao
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Post Icon Posted: Mar. 08 2004,11:20 am Post # 14 see this member send this member a private message  quote this post in reply
Not looking to refi, but looking back too 2 years ago when we sold our house, thinking we scored!!! Well I sure would love to have that $1300 a month payment back. I cant even rent for that much anymore.  :(  :angry I was laughing to myself when the new owners bought our house at $239k. (we paid $160 2years prior)  Now its probably close to or over $300k. I hope the real estate starts coming down a bit soon, or else I'll be a renter for life.  :(

Oh wait I still have a chance of winning the lotto!  :comp



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GoFastRacerMale Offline
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Post Icon Posted: Mar. 08 2004,7:27 pm Post # 15 see this member send this member a private message  quote this post in reply
Quote (Scuba Steve @ Mar. 08 2004,12:20 pm)
Oh wait I still have a chance of winning the lotto!  :comp

I think you'll get there quicker if you put in more hours!. :rotflmao
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BigBoyToysMale Offline
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Post Icon Posted: Mar. 08 2004,8:44 pm Post # 16 see this member send this member a private message  quote this post in reply
Quote (Scuba Steve @ Mar. 08 2004,11:20 am)
Not looking to refi, but looking back too 2 years ago when we sold our house, thinking we scored!!! Well I sure would love to have that $1300 a month payment back. I cant even rent for that much anymore.  :(  :angry I was laughing to myself when the new owners bought our house at $239k. (we paid $160 2years prior)  Now its probably close to or over $300k. I hope the real estate starts coming down a bit soon, or else I'll be a renter for life.  :(

Oh wait I still have a chance of winning the lotto!  :comp

We purchased our house 4 years ago at $132,000.00 and it was appraised 2 weeks ago at $300,000.00 :good   I hope the values keep going UP :D   Of course, we've refinanced 3 times since the original purchase and took out quite a bit of equity.  It's nice building boats with lump sums of $$ :D

So, we'll be signing this week, will net about $35k, monthly payment of $1326.00.  Time to pay off the credit cards this time though.......and destroy them! :eek  :guns  :guns



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Mrs big boy toysFemale Offline
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Post Icon Posted: Mar. 08 2004,8:51 pm Post # 17 see this member send this member a private message  quote this post in reply
Credit cards are very bad.... :beat  :)

God Bless Our Troops past, present, and future......"Thank You"

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GoFastRacerMale Offline
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Post Icon Posted: Mar. 09 2004,5:09 am Post # 18 see this member send this member a private message  quote this post in reply
Quote (Mrs big boy toys @ Mar. 08 2004,9:51 pm)
Credit cards are very bad.... :beat  :)

You got that right, it's so easy to just sign your name, next thing you know you're burried, learned that the hard too!.. :angry  :guns
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Scuba SteveMale Offline
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Post Icon Posted: Mar. 09 2004,5:13 am Post # 19 see this member send this member a private message  quote this post in reply
Quote (GoFastRacer @ Mar. 09 2004,5:09 am)
Quote (Mrs big boy toys @ Mar. 08 2004,9:51 pm)
Credit cards are very bad.... :beat  :)

You got that right, it's so easy to just sign your name, next thing you know you're burried, learned that the hard too!.. :angry  :guns

Us too, wait still learning. lol  :rotflmao  :D



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GoFastRacerMale Offline
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Post Icon Posted: Mar. 09 2004,5:16 am Post # 20 see this member send this member a private message  quote this post in reply
That sounds familiar!. :laugh  :laugh
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BigBoyToysMale Offline
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Post Icon Posted: Mar. 09 2004,5:25 am Post # 21 see this member send this member a private message  quote this post in reply
ours will all get cut up EXCEPT my Summit Speed Card :D  :good



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GoFastRacerMale Offline
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Post Icon Posted: Mar. 09 2004,5:34 am Post # 22 see this member send this member a private message  quote this post in reply
That is one of the worst ones to have!. :rotflmao  :rotflmao
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BigBoyToysMale Offline
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Post Icon Posted: Mar. 09 2004,5:39 am Post # 23 see this member send this member a private message  quote this post in reply
Quote (GoFastRacer @ Mar. 09 2004,5:34 am)
That is one of the worst ones to have!. :rotflmao  :rotflmao

Maybe so, but still my Favorite.  At least I know that anything that is on it, I purchased :D   Can't say that about the VISA's, MC's, and Discover Card :eek



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Mrs big boy toysFemale Offline
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Post Icon Posted: Mar. 09 2004,6:12 am Post # 24 see this member send this member a private message  quote this post in reply
Quote (BigBoyToys @ Mar. 09 2004,5:25 am)
ours will all get cut up EXCEPT my Summit Speed Card :D  :good

Then I'm keeping my Mervyns,JcPennies,and Gottschalks cards.  :D

God Bless Our Troops past, present, and future......"Thank You"

To all Vietnam Vets. You are all Hero's to me.

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BigBoyToysMale Offline
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Post Icon Posted: Mar. 09 2004,6:14 am Post # 25 see this member send this member a private message  quote this post in reply
Uh oh....SHE is up! :D  :beat



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