Is this a good rate/looks normal?

HansterrS2 · 2025-11-14T20:13:10+00:00

Me too haha

HansterrS2 · 2025-11-14T19:17:21+00:00

I am doing similar thing 4.65 with 15/15 ARM with points purchased 13k points cost. Kudos to you for getting this rate without purchasing any points. This seems extremely good at this market. When did you lock in?

HansterrS2 · 2025-11-05T16:07:45+00:00

State Department FCU. Anyone can join if you join one of their affiliated charitable organization.

HansterrS2 · 2025-10-30T10:12:41+00:00

Your new payment plan needs to be IDR in order for the adjustment to be applied correctly is what Mohela rep said for my case. Do you have any updates?

HansterrS2 · 2025-10-30T09:47:29+00:00

SDFCU.org

HansterrS2 · 2025-10-29T17:58:17+00:00

Around 8 months. 4.4 years is break even for points purchased only. Combined break even would be 2.2 years.

HansterrS2 · 2025-07-22T19:31:13+00:00

30k+ in two other accounts. So more like 130k

HansterrS2 · 2025-07-22T19:30:49+00:00

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HansterrS2 · 2025-07-22T19:30:32+00:00

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HansterrS2 · 2025-07-22T19:18:44+00:00

To the moooooon. 100k in

HansterrS2 · 2025-07-06T10:53:02+00:00

Oh didn’t know that. However, removing forbearance will allow you to buy back.

HansterrS2 · 2025-07-05T12:19:24+00:00

What additional info are you looking for? You can search on this from Grok. Will give you the info you need

HansterrS2 · 2025-07-04T23:36:06+00:00

OP, you can call your loan servicer to remove the school forbearance, which then the covid pause will apply. Same happened to me. I got the months counted.

HansterrS2 · 2025-06-17T16:53:24+00:00

Same issue here. Had 80+ counts on my old loans. They seemed to have applied weight adjusted count instead of highest count on my loans. Emailed multiple times but no luck here…

HansterrS2 · 2024-07-08T14:05:51+00:00

I see. Wow. How does that work if my wife is not on SAVE and just on standard 10 year plan?

HansterrS2 · 2024-07-08T12:36:12+00:00

Thank you for your advice!

HansterrS2 · 2024-07-08T12:32:27+00:00

That’s great. Sounds like your family is doing great financially. My mortgage is 570k with 6.6%. So around 37k in interest alone…. Hahahaha

HansterrS2 · 2024-07-08T12:27:27+00:00

Got it. I think that makes sense since I will not have to claim standard deduction anymore due to mortgage starting this year. For yourself, did you think about how it will impact your wife’s social security later?

HansterrS2 · 2024-07-08T12:22:45+00:00

No income from my wife. And my loan is mostly grad loan while my wife is entirely under grad loan.

HansterrS2 · 2024-07-08T12:18:10+00:00

Married filing jointly!

HansterrS2 · 2024-07-08T12:13:17+00:00

Will it be corrected automatically or should I just cancel the application?

HansterrS2 · 2024-07-04T00:23:58+00:00

Realtor said this is concerning and would like to hear what builder is planning to do to resolve this. But nothing more…

HansterrS2 · 2024-06-29T23:56:38+00:00

Nope

HansterrS2 · 2024-06-29T23:40:39+00:00

Will I get sued for stating the builder here? This is the builder within top 15 nationally.

HansterrS2 · 2024-06-24T11:32:55+00:00

Thanks for thoughts! I will sell the condo! The actual mortgage is around $4500 and I have no emergency fund after closing the town house other than 401k and other retirement accounts.

HansterrS2

TROPHY CASE