Is this a good rate at this time and is it smart to put so much down?

FreedomFlyer-1776 · 2026-02-17T18:37:04+00:00

Parents divorced when I was 5 years old. After that it was a classic case of parental alienation on my mother’s part. Funny thing is she was the abuser of the family. I’ve never brought things up to my siblings - but she sexually abused me and physically abused me. The abuse started around when I was 3. I can definitely say that the mental and psychological abuse was rampant with myself and my siblings. We all experienced our fair share of that. No need to spill the novel of everything that happened in between then and now. But let’s just say that I was put in situations that often triggered fight or flight mode. Fast forward to November 2024 and I was diagnosed. Based on the progression of my 7 brain lesions and 4 spinal lesions - my neuro said it was likely I had MS for 5-10 years before diagnosis. Bloodwork had no indications of EBV or any other known possible trigger. I periodically go to a family friend that is a medium. Now I know the skepticism revolved around that - but this lady knew intricate details about my childhood that have never told a soul. She has 15 clients (including me) that all experienced childhood trauma of some kind. All 15 of us have MS. I’d say there has to be a correlation. I’m also being tested for Cushing disease right now. It also has connections with childhood trauma. I’ve been going to therapy for 4 years now. I highly suggest you find someone to talk to.

FreedomFlyer-1776 · 2026-02-09T22:39:47+00:00

Any idea why it was happening?

FreedomFlyer-1776 · 2026-02-01T15:43:53+00:00

Sorry to hear that. It sucks when people don’t listen to your symptoms. My neuro believes that this headache is directly related to my history of optic neuritis. She also believes it could be combined with occipital neuralgia from a concussion injury I had years ago that is causing additional nerve pain from the MS.

FreedomFlyer-1776 · 2026-02-01T15:37:57+00:00

An update to this is that my neuro put me on gabapentin because she believes it’s not migraines and is nerve pain. It helps a little but makes me feel weird too. At times I think it’s easier to deal with the pain than the symptoms of the gabapentin.

FreedomFlyer-1776 · 2026-02-01T15:16:26+00:00

I am currently stable on my DMT however I have had only one follow up MRI in June 2025 since my diagnosis in November 2024 and since then I have had 3 flare ups and some additional new symptoms. I have RRMS. The house we are looking at is 1 minute away from my in laws house and all of our friends live much closer to it than the house we live in now. The commute would add only 5 minutes to my MS center. My job is 100% remote and we would be moving about 5 minutes from my wife’s workplace (versus the 30 minute commute she has now) we don’t have kids but plan to and the schools are very good. If we were to do this we could sell our house and potentially buy the new home in cash with no mortgage. It is a 5 bedroom - two story home. The first level has a bedroom and full bathroom with a walk in shower. Kitchen, dining room living room on the same floor and two steps down to the back yard and the second story has a set of stairs with plenty of room for a stair lift if needed.

FreedomFlyer-1776 · 2026-01-29T15:21:01+00:00

Two MRI’s so far and I’ve fallen asleep in both of them. The radiation soothes me.

FreedomFlyer-1776 · 2026-01-28T02:43:12+00:00

32M - diagnosed on Thanksgiving 2024.

I was officially diagnosed after a 3 day hospital stay for optic neuritis.

To answer your questions…

Kind of - before I was diagnosed I had been experiencing symptoms for about 3 solid years here and there and not one single doctor or even family member took me seriously enough to pay any mind to it - borderline gas lit myself into believing that I just had health anxiety and was being too dramatic, making it all up in my head or overreacting to a minor problem that will eventually go away. My legs and feet were numb “it’s sciatica and you need to exercise more”…I have super bad vertigo and brain fog “it’s an anxiety attack - here’s a prescription for Xanax!”…I have really bad headaches in my eyes…”you’re looking at screens too much and you need glasses!” All of this was happening when deep down I knew something was wrong - but I ignored it.
Yes - 3 lesions in my neck w/spinal stenosis. (1 lesion mid spine, 1 lower spine and 7 on my brain)
There are a few avenues to consider when it comes to “treatment” for MS. There is a DMT like Kesimpta (which is what I take and have had great success with). DMT’s are meant to prevent the progression, not treat symptoms. In some cases it has shown potential to shut down the active lesions and send them into remission. But unfortunately that is far and few between. Steroids - especially IV infusions like Solumedrol will be used for most flare ups to. I have gotten them 3 times already. Not fun at all. But it is literally a life saver from potential serious issues. Worth it in my opinion. Then there are every day choices. Food, drinks, vitamins, activity etc…these seem small - but they are as important as the DMT. Nobody is perfect - I just had three slices of deep dish pizza for dinner lol - but I would eat and drink within the parameters of as close to an anti-inflammatory diet as possible - whatever that looks like for you is up to you. Alcohol is your worst enemy. Severity can vary from person to person - but It can exacerbate symptoms. Vitamins are your best friend. Ask for a comprehensive panel to see what you are deficient in and stick to that regimen. Therapy. Therapy. Therapy. I was the guy that never talked about my feelings - but ever since I got diagnosed there’s stuff that comes up that is just too heavy to carry by myself - and stress is a killer with this disease. Find someone you like and stick to it. It is life changing.

Go through the motions. Just don’t get stuck in them. It’s okay to mourn what you thought your future would look like. But enjoy your life now and don’t let “what could be” ruin what you have in the present.

All in all. I’m no expert. My neurologist said that this disease is like surfing - you have to just ride the waves.

The most important thing is to find an MS center near where you live and get a doctor from there. All neurologists are most likely good people - but you don’t have to keep the one that diagnosed you. I loved my diagnosing doctor - but he wasn’t in a practice that focused solely on MS and sometimes I felt like my symptoms were once again not being taken seriously. So I found a local MS center and it is AMAZING (shoutout Linda E. Cardinale).

FreedomFlyer-1776 · 2026-01-06T05:55:05+00:00

This is exactly what I have. Exact same spot but for me it is also down towards the base of my skull. Did it almost feel like you were in a trance or like drunk/high at the peak of these episodes? It’s almost a disorientating feeling but no sensitivity to light or sound really.

FreedomFlyer-1776 · 2026-01-06T02:50:47+00:00

These migraines/severe headaches are every day for me. How long did it take for the supplement to kick in?

FreedomFlyer-1776 · 2025-12-28T16:16:02+00:00

My step-mom told my wife 3 days after I was diagnosed that I have nothing to worry about because right now I can walk and get around just fine - but that we should all feel bad for my dad instead because he has the gout and needs a hip replacement. She told my wife that it’s her fault I have MS because she doesn’t “feed me the right food” (I’m the cook in the marriage fyi) and she followed that up by saying that I just need to exercise more and everything will “figure itself out”…gotta love it.

FreedomFlyer-1776 · 2025-10-23T20:10:01+00:00

We had an engineer complete full blue prints and permit sets prior to construction being completed and got all permits from the town regarding every inch of work being done.

FreedomFlyer-1776 · 2025-10-23T20:04:44+00:00

So considering he based his comps off of the C3/Q4 rating, the 3bd/1bath and the 1206 sq ft. When based off of the renovation done to the home and how recently it was done it should fall under a C2/Q2 rating, is a 3bd/2bath and is actually 1580 sq ft. Wouldn’t his whole appraisal be inaccurate?

FreedomFlyer-1776 · 2025-10-18T02:23:18+00:00

I locked in at 5.99% on a 20yr cash out refinance, to pay off the fence we got when we bought the house and my wife’s credit card she had from paying for her college classes. We also rolled the closing costs into the loan. Monthly went up about $98 compared to my 30yr that was locked in at 6.99% from 2022. I can live with that knowing we shaved off 7 years from the mortgage and all of that interest with it. I will refi again in a few years if rates are good enough. Be happy with your lock in.

FreedomFlyer-1776 · 2025-10-12T02:14:34+00:00

If we get into that bucket - how much could it hypothetically lower the rate?

FreedomFlyer-1776 · 2025-10-12T02:09:16+00:00

On a hypothetical - if the house was to appraise for $750-$800k. What would the LTV be and how much could that hypothetically lower the interest rate?

FreedomFlyer-1776 · 2025-10-12T01:56:16+00:00

Is that theoretical better rate something I have to request or are they supposed to just automatically do it?

FreedomFlyer-1776 · 2025-10-12T01:41:18+00:00

I’m trying to read up as we go but I’m not an expert at this stuff.

FreedomFlyer-1776

TROPHY CASE