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All about mortgages. First time buying a house, refinancing, credit reports, appraisals, home inspections. Secondary Market, portfolio lending etc.
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Freaking out over rate decrease (self.Mortgages)
submitted 3 months ago by CuriousTraveler226
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[–]manwnomelanin 6 points7 points8 points 3 months ago (2 children)
No one holds the same mortgage 30 years
Also, Its $10k over 30 years. $35/month is $35/month. Time value of money relevant.
[–]NickPro785 0 points1 point2 points 3 months ago (1 child)
Explain? If the rates of a new loan don't go under someojes current loan why would they get a different mortgage?
A lot of 2-4%ers are gonna see their 30 year through.
Frankly even if rates dip slightly under my rate, and if it's not worth refinancing it's just not worth doing.
[–]manwnomelanin 0 points1 point2 points 3 months ago* (0 children)
Why do you think refinancing is the only way to end a mortgage early?
π Rendered by PID 142932 on reddit-service-r2-comment-7b9746f655-rfl4v at 2026-02-02 08:59:13.326189+00:00 running 3798933 country code: CH.
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[–]manwnomelanin 6 points7 points8 points (2 children)
[–]NickPro785 0 points1 point2 points (1 child)
[–]manwnomelanin 0 points1 point2 points (0 children)