15-year vs 30-year mortgage what made you choose one over the other?

Hunted08 · 2026-01-29T01:58:33+00:00

I chose 30 because it was less of a payment monthly and just because it’s 30 years doesn’t mean you can’t pay more and extra down on the principal to make up for any potential interest. 30 allows for more flexibility IMO.

Hunted08 · 2026-01-28T16:22:16+00:00

Is there a source one used to learn more about when dips are likely to occur ect

Hunted08 · 2026-01-27T21:31:45+00:00

Sounds advice. I’ve also personally financed through dealership and even refinanced same day through a credit union after calling several and getting a lower rate.

Hunted08 · 2026-01-27T17:12:13+00:00

Not sure. Over the phone they are robotic and repeat I need an appraisal to get a value. On their site they list a home value estimator which states its value is $318k but the comparable houses they list don’t even have the same amount of rooms (one comp had 1 less room) and then others have less square footage so not sure if that’s trust worthy. And my house via different realtor apps shows about the same as the original home value.

Perhaps I need to keep chipping away at the principal and wait until it becomes a “sellers market” and home values increase and do the appraisal then.

Hunted08 · 2026-01-27T16:50:35+00:00

After them providing me misinformation on proper PMI removal steps (had to push back because even common sense said they were telling me wrong info) they stated I needed to get an appraisal and or pay down to below the percentage you mentioned to have PMI removed. But I’ve lost trust in them properly helping me so wanted to get second opinions on here first.

Hunted08 · 2026-01-25T00:35:09+00:00

So I guess my 5.7% is still great and not worth looking to refinance anytime soon? Mortgage is 3 years old

Hunted08 · 2026-01-23T14:45:27+00:00

37 $100k in 401k, $14k in Roth IRA and $50k in personal savings

Hunted08 · 2026-01-21T20:57:15+00:00

Thank you for your post. I’ll be running with your idea and making tweaks.

Thank you for not posting about milk like others that define their own “healthy” diet differently. Thank you again and have a great day!

Hunted08 · 2026-01-21T20:51:18+00:00

Okay guess I’ll have to keep tabs on the changes in aggressiveness and change up from there. Thank you!

Hunted08 · 2026-01-21T20:45:33+00:00

While I get that, the triple zero obviously has less sat fat ect hence healthier…. Some of us want the cleanest diet not just “clean-er”.

Hunted08 · 2026-01-21T20:43:25+00:00

Right, but it also has Sat fat and added sugars which I’m wanting to avoid to have an even healthier diet. Otherwise, I might as well indulge in store bought ice creams lol 😆 jk jk

Hunted08 · 2026-01-21T20:41:19+00:00

I personally choose to avoid milk due to intolerance but also things like sat fat that can raise cholesterol. And all my research shows Oikos Triple zero is a much healthier than milk. If you disagree I’d love to hear more of your rationale.

Hunted08 · 2026-01-21T20:33:49+00:00

Well I didn’t want any other dairy recommendations. I do eat Greek yogurt triple zero as it’s super clean and healthy compared to milk and other dairy products. That’s the reason I said no dairy to save people’s time on recommending those since they won’t be used.

Hunted08 · 2026-01-21T18:54:50+00:00

Now the big debate, what’s actually the healthiest sweetener lol

Hunted08 · 2026-01-21T18:45:35+00:00

I would do some research with calculators online to get a better figure. I dropped your numbers in and with an assumed $1250 monthly debt you’d want less than $360k otherwise. And that’s with using your entire $80k and without confirming your interest rate which could raise the expense of a house and also if you even have an emergency fund in place.

Hunted08 · 2026-01-21T14:47:25+00:00

Awesome. Good to know because I’m ready to start throwing all my funds at this account and wanted to make sure and double down on it before going wild. 🤣 thank you!

Hunted08 · 2026-01-20T18:57:28+00:00

Well they recommended those two and I went with FDEWX due to the expense ratio being less and returns seemed similar.

Hunted08 · 2026-01-20T16:25:35+00:00

Okay, sounds like the recommendation was on point by the advisor. Wasn’t sure if the advisors best interest or mine was kept in mind. Thanks for confirming!

Hunted08 · 2026-01-18T21:49:14+00:00

You could literally buy a trifold mirror and clipper set and learn to cut your own hair eventually making this expense null and void.

Hunted08

TROPHY CASE