| Author | Message | ||
     Rajusk Legend Username: Rajusk Post Number: 35316 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
andulo sagam kooda undadu.. single family kooda kaadu.. | ||
| Andhrawala Legend Username: Andhrawala Post Number: 37014 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
entha Raju gaaru. million?? No Signature | ||
| Rajusk Legend Username: Rajusk Post Number: 35314 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
long long ago ne jarigipoyindi rao garu
last thanksgiving daaka Roku tho nadipincharu..iddar Thanksgiving ki Xbox One ravadam tho maa vodu 24x7 FIFA 15 aaduthuntadu maa papa ki oka Tablet konadam..galthi se mistake ayyipoyindi.. | ||
| Rgb Junior Artist Username: Rgb Post Number: 366 Registered: 06-2014 Posted From: 162.115.236.101 Rating: N/A |
Netflix, Hulu vunnayiga alternatives. II madhya chaala mandhi OTA and netflix tho saripettestunnaru. If you dont watch sports you wont miss much | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 42439 Registered: 02-2008 Rating: N/A |
mari kids tv/shows ekkada chustaaru.. | ||
| Simba Hero Username: Simba Post Number: 17443 Registered: 02-2008 Posted From: 206.210.17.33 Rating: N/A |
congrats. e ka da konnaru? | ||
| Rajusk Legend Username: Rajusk Post Number: 35313 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
memu edo oo excite ayyipoyi konnama enti  maa vodu jumping ki apartment lo evadu undanivvadu ani decide ayyi..aa decision teesukonnam..appati desha kaala maana paristhithula ni batti konna taruvatha meter start avuthundi kabatti..meter kosam thippal | ||
| Rajusk Legend Username: Rajusk Post Number: 35312 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
aa rendu etu levu.. edo cut seyyali...aa $200 extra ravali ante.. or Bama gaadu naadi naa sethilo pettali..vaadu pette time ki ee rate untada undada teliyadu | ||
| Rajusk Legend Username: Rajusk Post Number: 35311 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
without Taxes aithe ..adi more than 2 months payment.. | ||
| Andhrawala Legend Username: Andhrawala Post Number: 37012 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
4000 monthly mortgageeaaa. aithee Rajugaaaru nijangaa Raju gaaree. naa mortgage andhulo 25% kooda vundadhuuu. very poor mannn here No Signature | ||
| Maverick Legend Username: Maverick Post Number: 55540 Registered: 01-2008 Posted From: 108.171.130.186 Rating: N/A |
20 yrs ..go for it..if u think 200 $, cut the damn cable cord..or throw that dish Happy Vizag | ||
| Cinejeevi Junior Artist Username: Cinejeevi Post Number: 529 Registered: 10-2014 Posted From: 69.147.191.23 Rating: N/A |
saradaga thread chadivaa kaani okka mukka ardham kaaledu  glad i stayed away from buying a home in US
nelakai $4000 mortagage kadutoo malla refinance entandi?? chaganti gari kante rajaneesh better - OT dharmamgaa batike vadini champadam, inkori bharyani anubhavinchatam, dongatanam cheyyatam, madya paanam cheyyatam, pai naalugu chese vallatO manchi sneham unDatam -- ivi tappu kaane kaadu. tappu anTE "comedy" - latest DB sookti muktavali | ||
| Pipeline Hero Username: Pipeline Post Number: 14426 Registered: 05-2009 Posted From: 24.114.38.102 Rating: N/A |
no brainer first option | ||
| Andhrawala Legend Username: Andhrawala Post Number: 37010 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
0.125% difference antee year ki for every 100K loan u save interest of $125 so mee loan 500K antee yearly saving in interest is 625. so 2.5 years lo u save the money u paid in closing costs 1.5K. after that its profit for u No Signature | ||
| Rgb Junior Artist Username: Rgb Post Number: 362 Registered: 06-2014 Posted From: 162.115.236.101 Rating: N/A |
Lets say you pay $1500 in closing costs. You have to check both amortization tables to see after how many months there is a difference of $1500 on the principal remaining. So lets say the $1500 difference is after 2 years. If you are planning to sell or refinance before 2 years, no closing costs is better. After 2 yrs closing costs is better | ||
| Rgb Junior Artist Username: Rgb Post Number: 361 Registered: 06-2014 Posted From: 162.115.236.101 Rating: N/A |
Difference is interest rate. 20 yr rate is lower be a few points | ||
| Rajusk Legend Username: Rajusk Post Number: 35310 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
meaning..where the remaining balance is same..for both calculations.. ?? to see how many months it takes to get there..
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| Andhrawala Legend Username: Andhrawala Post Number: 37005 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
for the 1500 u pay in closing costs, nee 0.125 low rate meedhaa ennaalaki return vasthundhii No Signature | ||
| Andhrawala Legend Username: Andhrawala Post Number: 37004 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
re-fi lo zero closing cost avvatam kosam rate bump chesthaaruuu loan lo add sesthee emundhi sinthaakaayaa. mana appu peruguddhii No Signature | ||
| Manthri Junior Artist Username: Manthri Post Number: 463 Registered: 02-2013 Posted From: 104.129.198.85 Rating: N/A |
Because of competition in the market, these agents share some of their commission in form of closing costs. They depend on volume of transactions | ||
| Rajusk Legend Username: Rajusk Post Number: 35309 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
breakeven on what? ardham kaaledu | ||
| Rajusk Legend Username: Rajusk Post Number: 35308 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
if I can prepay some amount even on the 30 yr loan..what is the main difference.. its just in the 20 yr loan..I will be paying off more Principal than interest ?? | ||
| Warren Junior Artist Username: Warren Post Number: 384 Registered: 02-2009 Posted From: 170.63.120.116 Rating: N/A |
closing cost lekunda refinance evadu chestunnadu? antha manchi bank unda usa lo. vadu either upfront or added loan amount kada.. minimum 1% to 2% loan amount mida untadi ga closing cost. refinance apr vs closing cost chuste bokke ekkuva padutundi ani tom brady seppadu.. anduke gammuna kukunan | ||
| Rgb Junior Artist Username: Rgb Post Number: 358 Registered: 06-2014 Posted From: 162.115.236.101 Rating: N/A |
check Amortization calendar to see how soon you will breakeven. Sample I used to compare Amortization $100,0000 with 3.625% 20 year loan Month/Year Interest Principal Remaining Bal January 2015 $520.83 $210.09 $99789.90 February 2015 $519.73 $211.18 $99578.71 March 2015 $518.63 $212.28 $99366.42 April 2015 $517.53 $213.39 $99153.02 May 2015 $516.42 $214.50 $98938.51 June 2015 $515.30 $215.62 $98722.88 July 2015 $514.18 $216.74 $98506.13 August 2015 $513.05 $217.87 $98288.25 September 2015 $511.91 $219.01 $98069.23 October 2015 $510.77 $220.15 $97849.07 November 2015 $509.63 $221.29 $97627.77 December 2015 $508.47 $222.45 $97405.31 January 2016 $507.31 $223.60 $97181.70 February 2016 $506.15 $224.77 $96956.92 March 2016 $504.98 $225.94 $96730.97 April 2016 $503.80 $227.12 $96503.84 May 2016 $502.62 $228.30 $96275.53 June 2016 $501.43 $229.49 $96046.03 July 2016 $500.23 $230.68 $95815.34 August 2016 $499.03 $231.88 $95583.45 September 2016 $497.83 $233.09 $95350.35 October 2016 $496.61 $234.31 $95116.03 November 2016 $495.39 $235.53 $94880.49 December 2016 $494.16 $236.75 $94643.73 With 3.5 interest *20 yr loan Month/Year Interest Principal Remaining Bal January 2015 $302.08 $284.32 $99715.67 February 2015 $301.22 $285.17 $99430.49 March 2015 $300.36 $286.04 $99144.44 April 2015 $299.49 $286.90 $98857.53 May 2015 $298.63 $287.77 $98569.75 June 2015 $297.76 $288.64 $98281.10 July 2015 $296.89 $289.51 $97991.58 August 2015 $296.01 $290.38 $97701.19 September 2015 $295.13 $291.26 $97409.92 October 2015 $294.25 $292.14 $97117.77 November 2015 $293.37 $293.02 $96824.74 December 2015 $292.49 $293.91 $96530.82 January 2016 $291.60 $294.79 $96236.02 February 2016 $290.71 $295.69 $95940.32 March 2016 $289.81 $296.58 $95643.73 April 2016 $288.92 $297.47 $95346.25 May 2016 $288.02 $298.37 $95047.87 June 2016 $287.12 $299.27 $94748.59 July 2016 $286.21 $300.18 $94448.40 August 2016 $285.31 $301.09 $94147.30 September 2016 $284.40 $302.00 $93845.29 October 2016 $283.49 $302.91 $93542.37 November 2016 $282.57 $303.82 $93238.54 December 2016 $281.65 $304.74 $92933.79 } | ||
| Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 6782 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
Bunty Bachchan question is still valid...even though they are not taking anything from you for closing the loan, are they adding anything to the principle amount of the loan to cover their closing costs? Check that out to make sure. | ||
| Rgb Junior Artist Username: Rgb Post Number: 357 Registered: 06-2014 Posted From: 162.115.236.101 Rating: N/A |
rajusk If you stay in the home and dont refinance again for the next two years paying the closing costs is a better option (for a $100,000 loan). The period will be even less for a larger loan. Since the loans are usually larger, it makes sense to pay the closing costs Of course it depends on a lot of things. If you have the additional $200 go for 20 year loan and pay closing costs. If you dont because of new expenses like a expected child etc, Go for 30 yr option and pay closing costs. Whenever you have money pay additional principal so that you can finish the loan before 30 years | ||
| Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 6781 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
if you have no plans of refinancing again, this is good. if you do, calculate when you will break even on your costs and if that works out for you. | ||
| Rajusk Legend Username: Rajusk Post Number: 35307 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
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| Bunty717 Moderator Username: Bunty717 Post Number: 42437 Registered: 02-2008 Rating: N/A |
re fin lo closing costs mana mortgage lo add chestaaru antaaru kada.. adi finding out cheseraa raju sharma ji.. | ||
| Rajusk Legend Username: Rajusk Post Number: 35306 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
4 paine | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 42436 Registered: 02-2008 Rating: N/A |
current int rate enta ani asking nen.. | ||
| Ustad Megastar Username: Ustad Post Number: 22684 Registered: 07-2008 Posted From: 206.16.133.51 Rating: N/A |
Option 1 is better. Also, see if if you can do 15 years. Strength is the product of struggle, you must do what others don't to achieve what others won't - Henry Rollins | ||
| Jalsa Legend Username: Jalsa Post Number: 30012 Registered: 02-2008 Posted From: 159.53.110.142 Rating: N/A |
aayana adigindhi, what are you paying on your current loan ani | ||
| Rgb Junior Artist Username: Rgb Post Number: 356 Registered: 06-2014 Posted From: 162.115.236.101 Rating: N/A |
Ayana adigindhi ippudu entha kadutunnaru ani emo | ||
| Rajusk Legend Username: Rajusk Post Number: 35305 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
3.5 to 3.75.. depending on what you are picking | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 42434 Registered: 02-2008 Rating: N/A |
ippudu Int rate enta meshaaru.. | ||
| Manthri Junior Artist Username: Manthri Post Number: 461 Registered: 02-2013 Posted From: 104.129.198.85 Rating: N/A |
This is better. What about 15 years optin | ||
| Netra Megastar Username: Netra Post Number: 24751 Registered: 01-2008 Posted From: 69.53.237.72 Rating: N/A |
20 yrs rate with 3.5 best and seems to be it is affordable only 200 ekkuva kabatti monthly payment lo.. most will go to principle soon and end interest thakkuva pay chesttamu.. YSR AMAR RAHE | ||
| Rajusk Legend Username: Rajusk Post Number: 35304 Registered: 02-2008 Posted From: 170.74.55.84 Rating: N/A |
This is probably no brainer for many of you.. but naa metta burraki ae option select chesukovalo samajh kaaled.. Option 1: Refinance with 20yr loan ..3.625% rate..but monthly payment will go UP by $200 Option 2: Refinance with 30yr loan ...3.75% rate.monthly payment will go DOWN by $200 both options ..Zero out of pocket to refinance.. if I pay ..$1500 towards closing costs etc. 20 yrs rate will be 3.5 30 yrs rate will be 3.625 all options have prepayment facility.. |
