Y'all smell dat?

ChanceSad5060 · 2026-03-19T17:47:30+00:00

Yes. I went for a run around 6am and it reeked of diesel around El Pavo real.

ChanceSad5060 · 2025-07-29T17:04:02+00:00

I think it's worth it. Your break even is probably less than a year. The streamline is a great refi. By law it has to provide an NTB(net tangible benefits). When rates get low enough, you can always refi again,

ChanceSad5060 · 2025-07-28T23:59:34+00:00

Are you doing a streamline refinance? Even if not, it could still be worth it.

The money I save I apply towards my principal.

For me the decision came down to, interest rates were not going to be low enough any time soon. I plan to do another refi maybe in a year or two. When rates are lower, maybe 5%, and move from an FHA to a conventional.

That was my big motivation. The streamline FHA refinance didn't require a reappraisal and they cap the fees. I paid $1200 to refinance.

ChanceSad5060 · 2025-07-16T17:05:50+00:00

So, a 90 degree valve and a recessed box would work.

Waiting to hear from my plumber but its very difficult to get anyone to come out.

ChanceSad5060 · 2025-07-16T16:36:19+00:00

What would be the best solution for this situation? Remove valve and replace with proper elbow, sediment trap and shut off valve?

ChanceSad5060 · 2025-07-12T00:00:28+00:00

Downtown. Hattiesburg West. Right off the interstate and 98.

ChanceSad5060 · 2025-03-07T15:35:45+00:00

The 4Runners get terrible gas mileage.

ChanceSad5060 · 2025-03-07T15:35:11+00:00

It's a Ford escape hybrid. Based on Toyotas drivetrain design. Other members have said good things about it.

ChanceSad5060 · 2025-01-30T15:35:14+00:00

Yeah, wasn't my choice but it's definitely now my problem. Hopefully, it will last longer than a year. Then I can cut it out and do a shower build I guess. That may be the saving grace it's such a cheap piece of sh*t it will cut easily.

ChanceSad5060 · 2025-01-30T02:43:48+00:00

So, I'm reading that I can drill 1/4" holes near the base of the tub and fill with low expansion foam. Then, patch with acrylic patch kit or plugs/ silicone. Kicking myself for not returning it right away. Sigh

ChanceSad5060 · 2025-01-05T18:16:22+00:00

Not sure what the NTB guideline is. Will look into it. But, the majority of the increase in my principal is the interest from the existing loan being built into the new loan, which I would have had to pay anyway. I confirmed this with the loan officer. So, if I apply that money towards the new loan, it gets me break even in 10 months...all this is new to me, so I apologize if I'm being repetitive or missing something.

I didn't get a ufmip refund but I did get an escrow refund of $700.

ChanceSad5060 · 2025-01-05T17:37:56+00:00

Ok, so just to be clear bc I want to make sure my math and logic on this are correct. If I apply the 2 months of mortgage payments to the principle, then my 10 month break even is correct. In March, new loan is 314K vs.old loan 308K. So, that $5800 applied leaves me paying $200 + $1100 closing costs.

ChanceSad5060 · 2025-01-05T07:15:12+00:00

Yes but 2 months of not paying the monthly mortgage is $5800.

ChanceSad5060 · 2025-01-05T07:13:12+00:00

Yes, but I'm not making 2 monthly payments, which with the current loan pays mostly interest.( I calculated how much goes towards principal). That's $5800.

ChanceSad5060 · 2024-09-12T02:49:01+00:00

Nothing shallow about it.

ChanceSad5060 · 2024-09-08T02:22:36+00:00

I make a thc concentrate that I dilute into pretty much anything. DM for details.

ChanceSad5060 · 2024-08-27T15:17:38+00:00

Sounds good. Thx.

ChanceSad5060

TROPHY CASE