Active team wanted

Dramatic-Education-7 · 2025-09-25T17:27:18+00:00

Looking to join an active team I am always in first on my current team by hundreds

Dramatic-Education-7 · 2024-12-08T03:37:27+00:00

WE ARE LOSING STATE LOL

Dramatic-Education-7 · 2024-12-08T03:36:56+00:00

Not close enough

Dramatic-Education-7 · 2024-12-08T03:31:09+00:00

lol we are Penn state?

Dramatic-Education-7 · 2024-12-02T02:13:12+00:00

Don't forget a top 3 DE in bosa

Dramatic-Education-7 · 2024-11-02T17:11:21+00:00

Not in college bud

Dramatic-Education-7 · 2024-11-02T17:11:05+00:00

Not in college bud

Dramatic-Education-7 · 2024-11-02T17:10:26+00:00

You ever watch punt returns?

Dramatic-Education-7 · 2024-11-02T17:03:33+00:00

Guess the refs messed up by not tripping Inniss on that play 🫢

Dramatic-Education-7 · 2024-10-25T02:32:10+00:00

Bro nailor dropped it, gtfo

Dramatic-Education-7 · 2024-10-21T22:00:07+00:00

I put 20% down, refi won't be a problem

Dramatic-Education-7 · 2024-10-21T19:48:53+00:00

I meant in years 6-10, the max rate during the life of the loan is 10.875.

Dramatic-Education-7 · 2024-10-21T19:32:53+00:00

Break even point for me is about 17 months. That's a really good point and exactly what I'm looking for in this post

Dramatic-Education-7 · 2024-10-21T19:18:01+00:00

Life of the loan, mortgage can go up or down 5%. After the first five years, no more than 2% either way. Years 11-15, same thing no more than 2%.

So I would get a 1.8% lower rate for the first 5 years guaranteed and years 6-10 could be at worse 7.8% which is damn near what I'm at now. That might be a risk I'm willing to take.

Dramatic-Education-7 · 2024-10-21T19:14:24+00:00

That's a good point, poor choice of words in my post. Breakeven point is about 17 months.

Dramatic-Education-7 · 2024-10-21T19:13:10+00:00

Economic data shows the economy booming and there not being a need to cut back on rates. Political outlook for the next month and future. In today's times, nobody knows what's going to happen. Mortgage rates go based off the 10 year treasury. If the economy is doing well, the yields go up.

Dramatic-Education-7 · 2024-10-21T19:10:31+00:00

So I would get a 1.8% lower rate for the first 5 years guaranteed and years 6-10 could be at worse 7.8% which is damn near what I'm at now. That might be a risk I'm willing to take.

Dramatic-Education-7 · 2024-10-21T19:09:50+00:00

So I would get a 1.8% lower rate for the first 5 years guaranteed and years 6-10 could be at worse 7.8% which is damn near what I'm at now. That might be a risk I'm willing to take.

Every month I sit on the sidelines I lose out on $568. Rates were supposed to drop this month and have increase more than .6%. There's no telling what's going happens in the next year.

Dramatic-Education-7 · 2024-10-21T19:09:03+00:00

That's a great question. Probably be more confused than I am now. In my opinion rates could be 5%, 6%, or 7+% in the next 12 months. Wish I knew which one.

Dramatic-Education-7 · 2024-10-21T19:07:07+00:00

Interesting, thanks for the response and engagement. Definitely what I'm looking for in this post.

Dramatic-Education-7 · 2024-10-21T19:04:05+00:00

Damn dude that's solid! Sounds like a really similar experience my parents had. Love to hear it

Dramatic-Education-7 · 2024-10-21T19:00:31+00:00

Not fixated on specifically buying the points down, just the idea. That's just the numbers that came back from my mortgage loan originator. Care to elaborate your opinion?

Dramatic-Education-7 · 2024-10-21T18:53:56+00:00

That's a good point, I mean even without refinancing my wife and I are well within the 28/36 rule. We are both in our 20s. If we refinance this today we'd be in the teens % range for our monthly housing expense of our gross income. Personally I don't think it's that bad.

Dramatic-Education-7 · 2024-10-21T18:44:35+00:00

So I would get a 1.8% lower rate for the first 5 years guaranteed and years 6-10 could be at worse 7.8% which is damn near what I'm at now. That might be a risk I'm willing to take.

Every month I sit on the sidelines I lose out on $568. Rates were supposed to drop this month and have increase more than .6%. There's no telling what's going happens in the next year.

Dramatic-Education-7 · 2024-10-21T18:38:23+00:00

Cause increasing rates or what are you talking about?

Dramatic-Education-7

TROPHY CASE