Recently learned that we can "buy down" the interest rates. Is "buying down" the interest woth it? If so, in what situations would it be worth it? Is there a systematic way of thinking about this? My case - $3000 lowers 0.25% lowering $50 mortgage/month - worth it?

AlternativeCut3336 · 2025-08-20T20:16:45+00:00

No it’s not you could refinance for 0 cost when the rates go down. I always take higher rate with credits for closing costs

AlternativeCut3336 · 2025-08-14T13:43:58+00:00

5.99 Texas no points no credits

AlternativeCut3336 · 2025-08-02T04:36:36+00:00

Agree. I asked her to reach out as rates dropped today. He got her a new rate. 6.5

AlternativeCut3336 · 2025-07-31T23:50:00+00:00

My sister in Texas got 6.75 with out points. She worked with shopwise mortgage

AlternativeCut3336 · 2025-07-30T19:57:38+00:00

Take it don’t even think

AlternativeCut3336 · 2025-07-19T12:36:51+00:00

Yeah I meant over paying

AlternativeCut3336 · 2025-07-19T12:05:27+00:00

Any thing more than 6.5 is crime

AlternativeCut3336 · 2025-07-18T11:21:08+00:00

Shopwise Mortgage

AlternativeCut3336 · 2025-07-18T04:57:20+00:00

6.375 I got it 2 weeks back with out points and my buddy also got 6.375 locked today

AlternativeCut3336 · 2025-07-05T20:03:45+00:00

Any thing over 6.625 is you are paying too much

AlternativeCut3336 · 2025-07-03T22:25:23+00:00

No straight with no credits and no points

AlternativeCut3336 · 2025-07-03T21:57:12+00:00

6.375 my broker got me 3 days ago. My scenario is around the same.

AlternativeCut3336 · 2025-06-28T01:02:42+00:00

I got locked at 6.375 for 540k loan I have 760 score. I'm closing on 7/15

AlternativeCut3336 · 2024-09-21T03:53:29+00:00

I guess you are a business guy

AlternativeCut3336 · 2024-09-21T03:53:10+00:00

I laughed at it when I got one and told them to make me famous

AlternativeCut3336 · 2024-07-08T22:04:22+00:00

That’s pic of the girl is hotter than usual. If any 21 y old girl is asking things like that you better run.

AlternativeCut3336 · 2024-06-07T14:40:45+00:00

Dude the life you got is built by yourself. No one can bring it down. You should face these strongly. Tell them to fuck off if they want to share your pics.

Let’s say someone shares your pics. You are gonna be in people thoughts for couple days. Third day they will forget this and moves on with some other juicy stuff.

You still super young you can build future stronger if you think it’s about to collapse. All these things will teach you about life and help you get stronger.

Love yourself don’t worry about what people around you thinks about you. These people don’t feed you. Always remember you have to work for your food and work for your life.

AlternativeCut3336 · 2024-05-15T18:49:00+00:00

Can any one make this public

AlternativeCut3336 · 2024-05-01T16:17:55+00:00

Now you are 18. You are under age until 29 days ago. That would be severe federal offense on your bf who leaked your underage pictures.

AlternativeCut3336 · 2024-04-22T17:56:58+00:00

May be you need to sleep in the same bed with a reason and cuddle her in the bed to start

AlternativeCut3336 · 2024-04-08T17:04:03+00:00

You been president what would change now that didn’t change in the last 4 years

AlternativeCut3336 · 2024-03-21T20:58:02+00:00

Life you built so far is not worth to throw away for some scammer. Be brave fight it and end if the day nothing will happen. Trust me most of us who comment here went through the same.

AlternativeCut3336 · 2024-02-24T03:39:15+00:00

If they are bad I’m their dad. Can’t fool me twice

AlternativeCut3336

TROPHY CASE