That's a blanket statement. I pay my insurance outside of escrow because I get a sizable paid in full discount on home combined with auto. Lenders can't seem to get the paid in full timing right so...

Is your financial situation due to being a GC or having rich parents?

If I were a young man looking at the construction industry, I'd go work for an old GC getting close to retirement. Then I'd get my license when they retire. I know a couple guys who have done this...

Adding an addition in a fire prone area while refi'ing really isn't an automated process. I'd burn a call to my insurance agent in his situation.

You either signed something allowing the new lender to contact and make changes or you contacted your insurance company. Either way, you notified the insurance company directly or indirectly. ...

You’ll need to notify your insurance of the new lender so the can send proof of coverage. With cost of construction right now, you may want to review your policy for limits and coinsurance clauses....

Is it? I just refined with no appraisal.

The enticing part of looking when already at a 3.125%. I was shocked.

Thanks bumps. They did offer some credit. Submitted my info and waiting on final loan docs. $1,500ish due at closing, 2.37% on a 10 yr. Might pay off early or give my better half the kitchen,...

$1,450ish total closing cost if I don’t buy the point. No appraisal required. $700 for title insurance and $700 for title fee Give or take . $50-60 for random stuff. Seem fair? A bunch of other stuff...

The $22k savings included all the refi costs.

Financially, it seems to make sense to extend my term on a refi and put money elsewhere. I've had a personal goal to own my house outright since...

I need some mortgage advice. I'm on a 15 yr fixed at 3.125 with 11 years left. Just got an offer for 10 yr fixed at 2.375 buying a point. 2.625 without. Point costs about $1,600. If I go the...

You mean to tell me special interest groups and lobby money doesn’t influence policy which impacts the economy? And that big money isn’t making more big money? My comment was tongue in cheek but...

It's almost like the system is rigged for people with money to make more money.

Your mom. Sorry, I have never met your mother but that was a softball.

Zillow is telling 4.0% on a 15 fixed for my zip-ID. Is it really supposed to be accurate or anywhere close? I’m at 60%+ equity, $160k balance, 800+ credit, 4 years into a 15 at 3.125%. Worth...