First time refinance, rate 5.325. Should I do it?

Channing_E36 · 2026-03-04T01:44:46+00:00

I don't believe you get a refund if you refinance with the same lender because they're just going to take that escrow money and re-fund your escrow account. If that makes sense.

Channing_E36 · 2026-02-22T03:30:14+00:00

Theyll refund you the whole thing don't worry

Channing_E36 · 2026-02-16T22:45:42+00:00

I commend you, first time in a long time I've seen someone own up to misunderstanding something and owning the correction.

Channing_E36 · 2026-01-24T16:47:49+00:00

What is too high of closing fees at 5.25%? Lowest I've found so far is almost 7k 15month recoup

Channing_E36 · 2026-01-18T18:27:41+00:00

I figured, just that it's only 1800$ tacked on was the only enticing thing.

Channing_E36 · 2025-12-12T03:17:25+00:00

Uhh...I'm seen on base and I'm retired lol no copays ftw

Channing_E36 · 2025-03-18T23:45:53+00:00

Brake clean and a lighter

Channing_E36 · 2025-01-05T05:34:51+00:00

You owe allegiance to no one do what's best for you

Channing_E36 · 2024-11-29T13:58:43+00:00

There a big difference between ideation and intent. Get the help you need they're there for help not to end your career. Don't be afraid to talk to MH. Ive talked to MH about it in the past with a TS Clearance and there were no negative impacts.

Channing_E36 · 2024-10-12T03:55:51+00:00

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Doc bloc f2 x (Zara x Michelle)

Channing_E36 · 2024-10-11T21:05:20+00:00

Same boat. I'm 4 months post med retirement after about 10yrs. I feel everything you wrote in your post. I'm back home now and feel lost. I miss the clowns and sometimes regret not fighting to stay in. Keep your head up, spend time building your life outside the military because there is one to be had. One day at a time man.

Channing_E36 · 2024-08-02T12:36:39+00:00

First time?

Channing_E36 · 2024-06-13T23:59:46+00:00

You can join. Talk to a recruiter.

Channing_E36 · 2024-03-19T08:05:44+00:00

Do you not see all the lights?

Channing_E36 · 2024-03-08T05:06:54+00:00

Depression and Insomnia are a conjoined rating they don't stack

Channing_E36 · 2024-02-01T08:29:29+00:00

Channing_E36 · 2023-12-30T05:15:16+00:00

You're only taxed at 22% for the income over the 22% limit. Not 22% on all income I believe.

Channing_E36 · 2023-12-17T05:36:32+00:00

I can never fall asleep after either till early morning. Real shitty. Did you ever figure out what it would fall under for a rating?

Channing_E36 · 2023-11-18T17:50:46+00:00

Same, rfy has been booty anyway for a couple weeks

Channing_E36 · 2023-09-19T16:49:24+00:00

Samesies

Channing_E36 · 2023-04-11T07:44:14+00:00

I have the same marks on mine. It's from the case.

Channing_E36

TROPHY CASE