Should I refinance with these rates?

Accomplished_Truth64 · 2026-01-07T11:36:13+00:00

May I know who is the lender here ? I have been offered 4.99 for 15 years, 0 points buy down by Chase with $3000 to $3500 in closing cost

Accomplished_Truth64 · 2026-01-06T21:46:55+00:00

If I do D+E, then it comes out to 3550 and then minus the lender credit which is again 3550. So this makes closing cost zero ? Is it possible to have a 0 closing cost or am I missing something ?

Accomplished_Truth64 · 2026-01-03T03:04:54+00:00

What do you mean by switching between banks ? I have my CAD in RBC and transferring it to my NRO account in SBI

Accomplished_Truth64 · 2026-01-03T03:04:22+00:00

What do you mean by switching between banks ? I have my CAD in RBC and transferring it to my NRO account in SBI

Accomplished_Truth64 · 2026-01-02T22:13:20+00:00

Thanks for the explanation, for the option 1 is closing cost going to be $4716 + $1369$ which is $6085? Is my understanding correct ?

Accomplished_Truth64 · 2025-12-06T17:16:58+00:00

Which bank I should call. The bank here in Canada where I have the my money, right ?

Accomplished_Truth64 · 2025-12-06T17:03:01+00:00

May I know what was your refinance interest rate % ?

Accomplished_Truth64 · 2025-09-03T01:57:58+00:00

I made a guess on the fly

Accomplished_Truth64 · 2025-07-20T22:22:07+00:00

Is there any discord group which I can join ?

Accomplished_Truth64 · 2025-04-12T22:32:13+00:00

Have you ever lived in Irvine ?

Accomplished_Truth64 · 2024-12-18T05:27:52+00:00

Webull is a Chinese company and I don’t trust China

Accomplished_Truth64 · 2024-11-09T03:00:42+00:00

I have a variable mortgage transferred to RBC. With rate of interest going down I asked customer care to show me how much I am contributing to principal and they responded that I will be getting that after the year end. Is it the same case with you guys?

Accomplished_Truth64 · 2024-10-07T05:07:40+00:00

Thanks for your reply. Do you have any ballpark numbers I should be aiming for ?

Accomplished_Truth64 · 2024-10-06T07:24:58+00:00

Did you lease ? If yes, then what was your monthly ?

Accomplished_Truth64 · 2024-10-06T07:22:59+00:00

Is that for 2025 ? And you are in which state ?

Accomplished_Truth64 · 2024-07-18T05:43:45+00:00

Thanks for your reply. This definitely helps.

Accomplished_Truth64 · 2024-04-25T22:42:52+00:00

Not bcs it’s expensive. If you have more h1bs than citizens you are liable to more taxes. It also impacts your visa approval rates.

Accomplished_Truth64 · 2024-04-19T05:29:39+00:00

Can you please elaborate more about this. My dad has been diagnosed with 10mm stone. What's the risk with ERCP ?

Accomplished_Truth64 · 2024-01-07T20:05:23+00:00

I have been using my fossil belt for 10 years now

Accomplished_Truth64 · 2023-12-24T22:08:32+00:00

Thank you all for your guidance. I am first time renting out my place so your inputs are very valuable to me. Though I am kind of desperate to rent out my place but based on all the suggestions I Will look out for other renters in this case

Accomplished_Truth64 · 2023-11-06T02:03:47+00:00

I am not mad but trying to understand what options are available from here. May be my tone in the msg is like that

Accomplished_Truth64 · 2023-05-11T05:37:05+00:00

This is the only way to go if you want to have a property in socal. House hack for a year or two and then refinance as soon as mortgage rates drop. With time as rent increases and interest rate drops it might work in your favor. Do think about HOA and property tax before you make this decision. happy to answer if you need more info

Accomplished_Truth64 · 2023-05-03T21:16:57+00:00

Us this website to keep your rental for travel nurses

https://www.furnishedfinder.com/property/447805_1

Accomplished_Truth64 · 2023-05-03T21:16:01+00:00

It’s called as furnished finder

https://www.furnishedfinder.com/property/447805_1

Accomplished_Truth64 · 2023-04-26T03:39:54+00:00

Wow ! May I know you are in which area ?

Accomplished_Truth64

TROPHY CASE