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Calling all mortgage refinancing expe...

Chalanachithram.com DB » New TF Industry Related » Archive through November 17, 2016 » Calling all mortgage refinancing experts « Previous Next »
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Siloan
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Posted on Wednesday, November 16, 2016 - 01:29 pm:       


Bullabbai:

My agent is advising to float for now, as she thinks it might come down to 3.5% for 30yrs loan in couple of weeks. Confused!



!!nsh
 

Bullabbai
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Posted on Wednesday, November 16, 2016 - 01:25 pm:       


Banam:




My agent is advising to float for now, as she thinks it might come down to 3.5% for 30yrs loan in couple of weeks. Confused!:-(
 

Banam
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Posted on Wednesday, November 16, 2016 - 12:20 pm:       


Sasibabu:




ee roju komcham tagginattu vunnayi mortgage rates...
check out bro...
Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR
 

Taurus0807
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Posted on Wednesday, November 16, 2016 - 11:51 am:       


Ntr_rocks:

2.5 15 yrs fixed ki last month lock chesi ee week ee close chesa without points..




Manchi deal. Neeku pendli eppudu ayindhi? appude illu konesi 15 yrs ki vellav?
 

Taurus0807
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Posted on Wednesday, November 16, 2016 - 11:50 am:       


Henckels:

Meeru 15 yr fixed 2.75-3 ki chesaru, future lo rates taggite malli refinance chestara ?

Rates Taggite entha taggachu ?




400 around loan ki 0.25 thaggithe monthly around 60 dollars thaggudhi. zero closing costs vasthe 2.5 ki we will do refinance.
 

Sasibabu
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Posted on Wednesday, November 16, 2016 - 11:27 am:       


Bullabbai:


lock it lock itttt
 

Amaravathi
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Posted on Wednesday, November 16, 2016 - 11:25 am:       


Bullabbai:

should I lock today or keep it floating and lock 10 days before closing. Any suggestion/recommendations.




locking is always a better idea as there is political transition in the country now ..
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Bullabbai
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Posted on Wednesday, November 16, 2016 - 10:36 am:       


Sasibabu:




Sasibabu - Have you finalized something?

@all - I am planning to close in Jan.. should I lock today or keep it floating and lock 10 days before closing. Any suggestion/recommendations.
 

Ntr_rocks
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Posted on Tuesday, November 15, 2016 - 03:00 pm:       


Amaravathi:


mari anni questions enduk adiginattu?


Knowledge Vuncle....Emayina miss ayyanemo ani....1st time kada...:-)
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 02:43 pm:       


Ntr_rocks:

2.5 15 yrs fixed ki last month lock chesi ee week ee close chesa without points..




mari anni questions enduk adiginattu? :D
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Jai_ycp
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Posted on Tuesday, November 15, 2016 - 02:38 pm:       


Ntr_rocks:



these are guidelines to compare how and what rates are? Literal ga teesukovadhu.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Ntr_rocks
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Posted on Tuesday, November 15, 2016 - 02:32 pm:       


Jai_ycp:


nenu chusindhi data from fannie may like 6 months ago. baselien ga ishi follow avvandi

http://www.freddiemac.com/pmms/pmms15.htm


Nice, nuvvu ichina dantlo with points vundi, without points data leda ?
 

Jai_ycp
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Posted on Tuesday, November 15, 2016 - 02:26 pm:       


Ntr_rocks:

2.5 15 yrs fixed ki last month lock chesi ee week ee close chesa without points.



nenu chusindhi data from fannie may like 6 months ago. baselien ga ishi follow avvandi

http://www.freddiemac.com/pmms/pmms15.htm


http://www.freddiemac.com/pmms/pmms30.htm
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Sasibabu
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Posted on Tuesday, November 15, 2016 - 02:24 pm:       

yupp...going for 15 years
 

Jai_ycp
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Posted on Tuesday, November 15, 2016 - 02:23 pm:       


Sasibabu:



go for 15 years loan. When you have no kids or younger ones, it is better to pay off. Vallu college time kochettappatiki you will have good equity. ee avasaramu vunna equity loan teesukovachu ledha ammukuni veldhamu anna ne dabbulu neeku vastayi. adhe 30 year ayithe chala takkuva pothundhi principal first 10 years lo. kids college time kochina equity vundadhu. Inak nuvve save chese dabbu roju vari kharchulaki aipothundhi unless you are very frugal and invest them. kontha mandhe cheyyagalaru alaga.

inko negative effect after 5 years, nuvvu vere chotaki veldhamante you cannot see if market is down.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Bunty717
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Posted on Tuesday, November 15, 2016 - 02:22 pm:       

inta disco dance enduku .. afford cheyagaligitee 15yrs..

still i think 3% is kootanta high for 15yrs..
 

Ntr_rocks
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Posted on Tuesday, November 15, 2016 - 02:20 pm:       


Jai_ycp:


Last 20 years lo best 2.56 anukunta without points.


2.5 15 yrs fixed ki last month lock chesi ee week ee close chesa without points..
 

Jai_ycp
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Posted on Tuesday, November 15, 2016 - 02:19 pm:       


Chitti_babu:

Closing cost ante enti ?



Appraisal fee
Title insurance fee
Settlement fee
recordation fee
total ga 2000 -2500 avvuthayi
ikkada 3 options vunnayi
a) You pay for these yourself
b) Roll the costs into loan. Equity vuntene allow chestadu.
c) lender pays but charge 0.125 extra interest. ee option 2500 katte baduku montkly oka 20-30 ekkuva kadathavu
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Jai_ycp
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Posted on Tuesday, November 15, 2016 - 02:17 pm:       


Henckels:

2-2.25 ki vache chances vunda ?



Last 20 years lo best 2.56 anukunta without points.


basic ga govt 0% ki loan isthe ne lending company vadu 2% vesi dhani medha istadu loan.

Adhe govt 1% kisthe bank vadu 3% antadu.

so theoratical ga 2 kanna low velle chance ledhu.


also 0.5% kanna ekkuva vuntene worth it.

check total interest you will pay to match how much you over pay or under pay with original loan.

Okappudu 7-8% vundedhi anta 90s lo. 80s, 70 lo ayithe 11, 12% vundevi Manamu ikkada 2.,75 ki 3ki abbo anukuntunnamu.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Chitti_babu
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Posted on Tuesday, November 15, 2016 - 02:11 pm:       


Rajusk:




Closing cost ante enti ?

Adhi vunchukovadam ante enti ?

No closing cost deal evadu isthaadu endhuku isthaadu evariki isthaadu. asalu asalu idhenti....
 

Henckels
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Posted on Tuesday, November 15, 2016 - 02:10 pm:       


Amaravathi:

atleast oka .5% ayina theda ravali to gain some benefit..


2-2.25 ki vache chances vunda ?
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 02:08 pm:       


Henckels:

future lo rates taggite malli refinance chestara ?


Yes I will, but maree pavala taggithe cheyyam...atleast oka .5% ayina theda ravali to gain some benefit... appudu kuda no closing cost option ye teeskunta
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Henckels
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Posted on Tuesday, November 15, 2016 - 02:07 pm:       


Amaravathi:



Taurus0807:


Ok, ee situation ki answer cheppandi...

Meeru 15 yr fixed 2.75-3 ki chesaru, future lo rates taggite malli refinance chestara ?

Rates Taggite entha taggachu ?
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 02:03 pm:       


Chiru_fan:

Amaravathi annai, meeru hevvar tho refinance cheyyinchaaroo zara cheppandi....




maa office collegue okaru also a RE agent...aame dwara chesanu
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Chiru_fan
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Posted on Tuesday, November 15, 2016 - 01:52 pm:       

Amaravathi annai, meeru hevvar tho refinance cheyyinchaaroo zara cheppandi....
CHIRU - SACHIN - FEDERER
 

Taurus0807
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Posted on Tuesday, November 15, 2016 - 01:33 pm:       


Ntr_rocks:

Ok, with or without ki entha diff vuntundi rate lo ?




emi vundadhu. Points kone option vuntundhi adhi ayithe 1 point konte nee loan amount ki 1% nuvvu pay cheyali first.

ee Zero closing costs ante Desi lenders vallaki vache commission lo manaki credit laa istharu vallu commission cut chesukuni. Usually closing costs with zero points would be somehwhere between 2500 to 3000(Title fees, documentation fees, appraisal fees etc).
 

Ntr_rocks
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Posted on Tuesday, November 15, 2016 - 01:23 pm:       


Taurus0807:



yes literally zero. Appraisal mana dhaggara thesukuntadu first then return chesthadu.

Escrow ki kontha money thesukuntadu adhi manam pay cheyali closting time but adhi nee escrow account lo vuntundhi.


Ok, with or without ki entha diff vuntundi rate lo ?
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 01:23 pm:       


Ntr_rocks:

ante Appraisal fee, origination fee, title company ki pay chese fee...anthe kada...




inka enni fees esinaa aade kattali..just escrows matram manam teeskeltham...but u need to check the final estimate for any surprises and force them to remove it
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 01:22 pm:       


Rajusk:

mee Trumpadu mammalni eppudu ellagodthado teliyadu..

ayana saving/investing inni choices untayi antara..3 layers kinda pani sese vallaki vomerica lo :D

maadi maa sethilo pedithe..naalugu stones mem bhi venaka vesukontam..




Trumpanna vachaadu kadha... legal immigrants ki life baguntadhi :D
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Twotown
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Posted on Tuesday, November 15, 2016 - 01:22 pm:       


Rajusk:

.3 layers kinda pani sese vallaki vomerica lo



manchi chali place anukuntaa meedi
 

Ntr_rocks
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Posted on Tuesday, November 15, 2016 - 01:21 pm:       


Amaravathi:



except escrow, anni aade kadathadu


ante Appraisal fee, origination fee, title company ki pay chese fee...anthe kada...
 

Rajusk
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Posted on Tuesday, November 15, 2016 - 01:21 pm:       


Amaravathi:

.ante US lone investment chestunnar annamata




mee Trumpadu mammalni eppudu ellagodthado teliyadu..

ayana saving/investing inni choices untayi antara..3 layers kinda pani sese vallaki vomerica lo :D

maadi maa sethilo pedithe..naalugu stones mem bhi venaka vesukontam..
 

Taurus0807
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Posted on Tuesday, November 15, 2016 - 01:20 pm:       


Ntr_rocks:

Zero closing costs ante explain cheyandi....Literal ga zero kadatara or escrow, taxes kakunda, Appraisal fee vundadu ana ?




yes literally zero. Appraisal mana dhaggara thesukuntadu first then return chesthadu.

Escrow ki kontha money thesukuntadu adhi manam pay cheyali closting time but adhi nee escrow account lo vuntundhi.
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 01:19 pm:       


Ntr_rocks:

Zero closing costs ante explain cheyandi....Literal ga zero kadatara or escrow, taxes kakunda, Appraisal fee vundadu ana ?




except escrow, anni aade kadathadu
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 01:19 pm:       


Rajusk:

nen vonly once sended ..adi bhi almost 10 yrs back..

aa konna land kooda mana Bachupally lo ne..adi inka athapathalam rate lo ne undi :-(




oh..ante US lone investment chestunnar annamata :D
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Ntr_rocks
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Posted on Tuesday, November 15, 2016 - 01:18 pm:       


Taurus0807:


15 years 2.75 zero closing costs icharu


Zero closing costs ante explain cheyandi....Literal ga zero kadatara or escrow, taxes kakunda, Appraisal fee vundadu ana ?
 

Taurus0807
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Posted on Tuesday, November 15, 2016 - 01:18 pm:       


Sasibabu:

408




Go for 15 years. Talk to BOA once Michigan lo ayithe still 2.75 with zero closing costs vundhi.

few weeks back friend 2.5 ki close chesadu we missed it.
 

Sasibabu
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Posted on Tuesday, November 15, 2016 - 01:17 pm:       


Taurus0807:

nee loan amount entha?


408
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 01:17 pm:       


Henckels:

Uncle, ee option ni ela discuss cheyali ? Will it increase rate ? alage edi tesukunte future refinance ki ela use avuddi, I mean if we go with different bank when refinancing...




just ask for no closing cost quote and without closing cost quote.. u compare both and come up with how much it costs every month extra if go for no closing cost option... now check how much is the closing costs... compare these two amounts... what ever is lower..go for it
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Rajusk
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Posted on Tuesday, November 15, 2016 - 01:17 pm:       


Amaravathi:

I have stopped remitting money to India since couple of yrs




nen vonly once sended ..adi bhi almost 10 yrs back..

aa konna land kooda mana Bachupally lo ne..adi inka athapathalam rate lo ne undi :-(
 

Taurus0807
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Posted on Tuesday, November 15, 2016 - 01:17 pm:       


Sasibabu:




nee loan amount entha?

15 years 2.75 zero closing costs icharu. Bank of America vaadu last week lo 2.75 annadu nenu 2.5 ki adigaanu vaadu no annadu.
 

Sasibabu
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Posted on Tuesday, November 15, 2016 - 01:15 pm:       


Henckels:

Will it increase rate ?


yes
 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 01:15 pm:       


Rajusk:

naadi bhi same..monthly payment increased by $60

daanike em cut seyyala ani alochisthunna..to cover that extra $60.

meeru andar..extra $600..extra $900 but still affordable antunnar..




Nen every paycheck lonchi India pampinchalen Raju garu :D

I have stopped remitting money to India since couple of yrs :D
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Sasibabu
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Posted on Tuesday, November 15, 2016 - 01:15 pm:       


Amaravathi:

go for no closing cost option.


yes....idhe choosthunna
 

Henckels
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Posted on Tuesday, November 15, 2016 - 01:14 pm:       


Amaravathi:



go for no closing cost option...


Uncle, ee option ni ela discuss cheyali ? Will it increase rate ? alage edi tesukunte future refinance ki ela use avuddi, I mean if we go with different bank when refinancing...
 

Rajusk
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Posted on Tuesday, November 15, 2016 - 01:13 pm:       


Amaravathi:

2.75%/15yrs(covered all closing costs)... EMI increased by $600 .




naadi bhi same..monthly payment increased by $60

daanike em cut seyyala ani alochisthunna..to cover that extra $60.

meeru andar..extra $600..extra $900 but still affordable antunnar..

 

Amaravathi
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Posted on Tuesday, November 15, 2016 - 01:13 pm:       


Sasibabu:




One MUST have is:

go for no closing cost option... future lo malli within 2-3yrs lo refin cheyyinchali ante neeku malli dabbul pette avasaram vundadhu...

for eg..ippudu closing costs nuvvu ettukunte oka 3-5K avudhi... adhe 0.125% extra interest tho aadu cover cheste... it will take atleast 5-6yrs to save that 5k... ee lopala nuvvu malli refin cheyyiste aa dabbul neeku bokke kadha...
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

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Posted on Tuesday, November 15, 2016 - 01:10 pm:       


Sasibabu:

i got 15 years quote with 3% rate and 3k closing cost or 3.125% rate with no closing cost




0 closing tho 2.75 ki vachhindi okathaiki 2 months back, i got 2.9 3 months back.. e madhya periginda marla?
 

Amaravathi
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Username: Amaravathi

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Posted on Tuesday, November 15, 2016 - 01:08 pm:       


Sasibabu:

matter entante naadhi present rate 4.125% with 30 years fixed.....
interest rates thaggaka refinance chedhamanukunna gaani missed the bus ...but never the late ani ippudu quotes theesukunna

i got 15 years quote with 3% rate and 3k closing cost or 3.125% rate with no closing cost
20 years quote with 3.625% with 3k closing and 3.75% with no closing cost

15 years emi is affordable ..... so dhaaniki vellamantaaraa .... i will be paying 900 more when compared to present emi per month and 1% thakkuva ret

suggestions please




If EMI is affordable in 15yrs plan...GO FOR IT.. u will accrue more equity in less time... 30yrs is a bogus plan...

I did the same this yr april, moved from 4%/30yrs to 2.75%/15yrs(covered all closing costs)... EMI increased by $600 ..
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Starc
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Username: Starc

Post Number: 4518
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Posted on Tuesday, November 15, 2016 - 01:07 pm:       

Movie,

agreed.. kani anything around 2000k is fine.. 3k datithe mathram.. oo china karchu vassina.. edo bigabattinattu untadi
Pandulu drainaige guntalo undi matladukuntai anta.. Chi Chi Manushulu ala ela untaru.. chi chi..
 

Moviebuff001
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Username: Moviebuff001

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Posted on Tuesday, November 15, 2016 - 01:05 pm:       


Starc:

15 years ante. G antha chembu chembu avutundi.. edo upiri bigapattinattu untadi month end ki.. rupai , charana deggara beram adutham..




Depends kada. Loan amount ni batti. Original loan enta, current balance enta etc.
First year aggressive ga loan repay cheste, you could possibly get a 15 year loan with same monthly payment.
 

Starc
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Posted on Tuesday, November 15, 2016 - 01:00 pm:       

15 years ante. G antha chembu chembu avutundi.. edo upiri bigapattinattu untadi month end ki.. rupai , charana deggara beram adutham..

too tough ya.. check ur financial burden
Pandulu drainaige guntalo undi matladukuntai anta.. Chi Chi Manushulu ala ela untaru.. chi chi..
 

Moviebuff001
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Username: Moviebuff001

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Posted on Tuesday, November 15, 2016 - 12:56 pm:       


Rajusk:

(of course if you can afford it)



200 Billing akkada. What talking ya. :d
 

Rajusk
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Username: Rajusk

Post Number: 52189
Registered: 02-2008
Posted From: 170.74.248.8

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Posted on Tuesday, November 15, 2016 - 12:45 pm:       


Sasibabu:

matter entante naadhi present rate 4.125% with 30 years fixed.....



Sasibabu:

3.125% rate with no closing cost




eyes close..15 years..

(of course if you can afford it)
 

Vjawarrior
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Username: Vjawarrior

Post Number: 26769
Registered: 02-2014
Posted From: 153.2.247.37

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Posted on Tuesday, November 15, 2016 - 12:44 pm:       


Ntr_rocks:

pampa chudu


thx bro..replied
 

Sasibabu
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Username: Sasibabu

Post Number: 45839
Registered: 11-2009
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Posted on Tuesday, November 15, 2016 - 12:40 pm:       


Maverick:

always single salary should be able to manage mortgage,all expenses..second salary complete savings and pleasure.


botaa botigaa indhulone vunna
 

Time_waste
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Username: Time_waste

Post Number: 2482
Registered: 10-2014
Posted From: 205.145.107.52

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Posted on Tuesday, November 15, 2016 - 12:39 pm:       

ntr_rocksJi I was talking about CR, neenu US vachi 3 yrs kooda avvaledhu...
 

Rajusk
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Username: Rajusk

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Posted on Tuesday, November 15, 2016 - 12:36 pm:       


Dreamcatcher:

trump gelichaaka last week lo perigaayi...all interest rates, including bonds...




just 2 weeks back closing chesi..nen baal baal bachgaya annamata aithe :D
 

Ntr_rocks
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Username: Ntr_rocks

Post Number: 69496
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Posted on Tuesday, November 15, 2016 - 12:36 pm:       


Time_waste:

so choodali jan ku 700+ lokeltha anukunta mostly.


 

Maverick
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Username: Maverick

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Posted on Tuesday, November 15, 2016 - 12:35 pm:       

also dont assume if u can afford based on ur current expenditure..

always single salary should be able to manage mortgage,all expenses..second salary complete savings and pleasure..fit into this as much as u can
Happy Vizag
 

Ntr_rocks
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Username: Ntr_rocks

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Posted on Tuesday, November 15, 2016 - 12:35 pm:       


Vjawarrior:


pampa chudu
 

Vjawarrior
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Username: Vjawarrior

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Posted on Tuesday, November 15, 2016 - 12:32 pm:       


Vjawarrior:

enthaki ichaadu...can u send to vjawarrior@gmail.com


sorry...vjawarrior.ccdb@gmail.com
 

Vjawarrior
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Username: Vjawarrior

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Posted on Tuesday, November 15, 2016 - 12:31 pm:       


Ntr_rocks:

Msg pettu, naaku ichina credit union ki refer chesta, u may get better rate


enthaki ichaadu...can u send to vjawarrior@gmail.com
 

Ntr_rocks
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Username: Ntr_rocks

Post Number: 69494
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Posted on Tuesday, November 15, 2016 - 12:27 pm:       


Sasibabu:


Msg pettu, naaku ichina credit union ki refer chesta, u may get better rate
 

Moviebuff001
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Username: Moviebuff001

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Posted on Tuesday, November 15, 2016 - 12:25 pm:       


Sasibabu:

lender credit kaadhaa?



It depends on what your lender is proposing.
Nenu refi chesinappudu I asked Penfed to add closing costs to the loan. 3% APR 2 years ago.
 

Sasibabu
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Username: Sasibabu

Post Number: 45838
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Posted on Tuesday, November 15, 2016 - 12:22 pm:       


Banam:


aayana april lo illu ki oippude locking workout avvadhu
 

Time_waste
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Username: Time_waste

Post Number: 2481
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Posted on Tuesday, November 15, 2016 - 12:20 pm:       

yeah banam annay, andhuke CR penche panilo vunna, still I have 6 months...so choodali jan ku 700+ lokeltha anukunta mostly...then I will start searching for it seriously...
 

Banam
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Username: Banam

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Posted on Tuesday, November 15, 2016 - 12:18 pm:       


Time_waste:




Its better to lock the rate ASAP bro...

You can lock for 60 days also...
Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR
 

Banam
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Username: Banam

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Posted on Tuesday, November 15, 2016 - 12:08 pm:       

Last couple of weeks perigaayi..

725 CS ki for 3.375 for 30 years couple of weeks back for me... now its 3.75 anukunta
Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR
 

Sasibabu
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Username: Sasibabu

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Posted on Tuesday, November 15, 2016 - 12:05 pm:       


Moviebuff001:

because 3k gets added to the loan amount


lender credit kaadhaa?
 

Vjawarrior
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Username: Vjawarrior

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Posted on Tuesday, November 15, 2016 - 12:05 pm:       


Sasibabu:

3.125% rate ki with no closing cost thoseyamantaavaa


yep...ide best neeku.....I got the same rate with 5k benifit....same time 2.5 with 6k unde
 

Time_waste
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Username: Time_waste

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Posted on Tuesday, November 15, 2016 - 12:04 pm:       

bayapetti Ds ga......

naakuundhi le...
 

Moviebuff001
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Username: Moviebuff001

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Posted on Tuesday, November 15, 2016 - 12:03 pm:       


Sasibabu:

3.125% rate ki with no closing cost thoseyamantaavaa



I would. 3.125 because 3k gets added to the loan amount. You can still consider it 3% loan.
 

Tantri_the_mantri
Junior Artist
Username: Tantri_the_mantri

Post Number: 296
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Posted on Tuesday, November 15, 2016 - 12:03 pm:       

meeru katte payment, entha % principal ki veltondi and entha %interest ki veltondi check cheyandi..

if you can afford higher payment, choose whichever offers higher % to principal
 

Dreamcatcher
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Username: Dreamcatcher

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Posted on Tuesday, November 15, 2016 - 12:02 pm:       

trump gelichaaka last week lo perigaayi...all interest rates, including bonds...
 

Sasibabu
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Username: Sasibabu

Post Number: 45834
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Posted on Tuesday, November 15, 2016 - 12:01 pm:       


Vjawarrior:


peruguthunnayi vijiaa....andhuke thondhar paduthunna
 

Emc2
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Username: Emc2

Post Number: 51619
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Posted From: 128.229.4.2

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Posted on Tuesday, November 15, 2016 - 12:01 pm:       


Vjawarrior:

im not joking bro...last week 2.75 chepparu....appude antha perigipoyaaya?




every 4hrs changes
 

Vjawarrior
Megastar
Username: Vjawarrior

Post Number: 26765
Registered: 02-2014
Posted From: 153.2.247.36

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Posted on Tuesday, November 15, 2016 - 12:00 pm:       


Sasibabu:

maa texas ki ekkuvanta interest rate ...dont know why


im not joking bro...last week 2.75 chepparu....appude antha perigipoyaaya?
 

Sasibabu
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Username: Sasibabu

Post Number: 45833
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Posted on Tuesday, November 15, 2016 - 12:00 pm:       


Moviebuff001:

Go For this. Inka late cheyyaddu.


3.125% rate ki with no closing cost thoseyamantaavaa
 

Sasibabu
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Username: Sasibabu

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Posted on Tuesday, November 15, 2016 - 11:58 am:       


Vjawarrior:

15 years 2.75 annaru gaa bhayya


maa texas ki ekkuvanta interest rate ...dont know why
 

Moviebuff001
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Username: Moviebuff001

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Posted on Tuesday, November 15, 2016 - 11:58 am:       


Bunty717:

15yrs 2.75 avg ki ravali..



Konchem periginattunnai.

Penfed lo 15years 3.25 undi.

Sasibabu:

i got 15 years quote with 3% rate and 3k closing cost




Go For this. Inka late cheyyaddu.
 

Emc2
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Username: Emc2

Post Number: 51618
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Posted From: 128.229.4.2

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Posted on Tuesday, November 15, 2016 - 11:57 am:       


Sasibabu:




keep watching rates in amerisave, put your data there, you will have all kind of options

compare first than decide
 

Starc
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Username: Starc

Post Number: 4515
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Posted on Tuesday, November 15, 2016 - 11:55 am:       

3% with clsing cost is little high.

i have seen as low as 2.6 in last 2 months.. wait for some bad news ..

.5 difference tho you wont save much.. just check out.. 20 years no good
Pandulu drainaige guntalo undi matladukuntai anta.. Chi Chi Manushulu ala ela untaru.. chi chi..
 

Bunty717
Moderator
Username: Bunty717

Post Number: 50494
Registered: 02-2008

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Posted on Tuesday, November 15, 2016 - 11:54 am:       

adenti inta ekkuva unnayi nee rates.. 15yrs 2.75 avg ki ravali..

nee 30yr kudaa ekkuvee undi..
 

Vjawarrior
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Username: Vjawarrior

Post Number: 26764
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Posted on Tuesday, November 15, 2016 - 11:53 am:       


Sasibabu:


15 years emi is affordable ..... so dhaaniki vellamantaaraa .... i will be paying 900 more when compared to present emi per month and 1% thakkuva ret


15 years 2.75 annaru gaa bhayya
 

Sasibabu
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Username: Sasibabu

Post Number: 45831
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Posted on Tuesday, November 15, 2016 - 11:51 am:       

matter entante naadhi present rate 4.125% with 30 years fixed.....
interest rates thaggaka refinance chedhamanukunna gaani missed the bus ...but never the late ani ippudu quotes theesukunna

i got 15 years quote with 3% rate and 3k closing cost or 3.125% rate with no closing cost
20 years quote with 3.625% with 3k closing and 3.75% with no closing cost

15 years emi is affordable ..... so dhaaniki vellamantaaraa .... i will be paying 900 more when compared to present emi per month and 1% thakkuva ret

suggestions please

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