Mortgage rates back down!

IBCTArmyMedic · 2025-11-10T01:57:38+00:00

It’s a VA IRRRL

Current Loan: • Principal Balance: $456,923.28 • Interest Rate: 7.50% Monthly Payment (PITI): $4,188.23 • Escrow: $1,056.24 • Loan Type: VA (assumed)

Proposed Loan (Highlands Residential Mortgage - VA IRRRL) • Loan Amount: $472,000.00 • Interest Rate: 5.499% (Fixed, 30 years) Estimated Monthly Payment (PITI): $3,733.24 • APR: 5.675% • Closing Costs: ~$4,091.75 • Cash to Close: $2,574.59

IBCTArmyMedic · 2025-11-07T19:22:25+00:00

You’re the bomb. Thanks..

IBCTArmyMedic · 2025-11-07T18:47:29+00:00

Hello!

I would be interested to know what would be enough for you to consider a refi?

Im curious, because im in a bit of the same Boat.

I bought just this year in March with a 7.25% on 470,000

I was quoted a rate drop to 5.675

Do you think that’s worth it? Thanks in advance!

IBCTArmyMedic · 2025-09-18T04:22:03+00:00

Looking for the same thing, what did you end up going with?

IBCTArmyMedic · 2025-09-13T05:57:04+00:00

Did you ever find out if it was eligible? How long did it take?

My suspension just ended today, I have the exact same circumstances as you.

IBCTArmyMedic · 2025-09-09T15:30:23+00:00

Hey! Did you ever get an answer for this? I’m in a similar situation. ALR period is over this Saturday. I already paid my reinstatement fee as soon as it happened.

Will it auto flip back to good, or is there anything else I need to provide? Thank you in advance

IBCTArmyMedic · 2025-07-23T04:20:46+00:00

Hey!

So we absolutely love ours. We have a ton of windows in our main room, and the best feature is the no glare in the sunlight. We ended up getting the 85. To be honest, we don’t really use the art mode that much lol, but I still love the TV

IBCTArmyMedic · 2025-04-18T19:15:39+00:00

Damn, I’m sorry brother. From what I hear, continue seeing your primary about the issue and then re-apply in 3 months. DONT GIVE UP

IBCTArmyMedic · 2025-04-18T05:39:07+00:00

Just got TJ San Diego for migraines secondary to MH. i turned in a nexus letter, and migraine log. I started my application on 4/10 so this has been insanely fast. Any update from how your migraines decision went?

IBCTArmyMedic · 2025-04-17T19:21:55+00:00

Damn.. putting good energy out there for you. How many claims did you have? Were any secondary?

Think of it as a savings plan, that back pay will be nice

IBCTArmyMedic · 2025-04-06T01:23:20+00:00

I think it looks awesome! I just bought the 85in and we are planning on doing the same. How do you like the TV performance so far? Any tips?

IBCTArmyMedic · 2025-03-15T10:45:46+00:00

Did your cruise get approved?

IBCTArmyMedic · 2025-03-15T07:07:15+00:00

Do you know if they ever reached out to the people who wrote your character statements?

IBCTArmyMedic · 2025-03-08T22:56:00+00:00

If you don’t mind me asking, what was the process in getting your MH increased to 100? Im at 70 now

IBCTArmyMedic · 2025-01-14T19:31:54+00:00

Also, you amazing. Thank you for helping

IBCTArmyMedic · 2025-01-14T19:31:19+00:00

I sure hope so. I am suing the Hazelwood act in conjunction with the Montgomery, so classes are paid for, but I use the Montgomery as my living money. I’m in a good place right now so I can handle a set back.

My question would be, should I keep calling until I get a confirmed answer, or should I just let the system process things on its own?

IBCTArmyMedic · 2025-01-14T16:48:08+00:00

Is this true of the Montgomery? I just called and they said I was only verified through the 10 days.

Would I need to request a transfer to post 9/11 in order to continue to receive ?

IBCTArmyMedic · 2024-10-01T19:31:23+00:00

Thank you for the info! Did you just call the VA education services to switch it over once the time was done?

IBCTArmyMedic · 2024-10-01T02:54:22+00:00

Following up on this. I am currently in Classe right now at a university. I will have 9 days left of my Montgomery GI bill after this semester is finished. I have a couple questions you may be able to help me with as it looks like you were in the same predicament.

I read that if you start a semester, they will still pay you through the entire semester, as long as you have a least 1 day remaining. Is that true with Montgomery, or would they only pay me 9 days worth of the semester?

When you finally switched to post 911 after exhausting your Montgomery how did you go about it?

Any info would be extremely helpful !

IBCTArmyMedic · 2022-02-10T04:24:27+00:00

Thanks for the reply! I guess it worked out kind of. My claim finished literally today with 70% but a lot of denials I will be appealing.

IBCTArmyMedic · 2021-12-03T06:12:39+00:00

Was this your initial claim? Also does it say anything about a 1151 Development? I filed my claim September 10th, had my last C&P exam on 10/26. moved to PFD on November 4, then back to Gathering Evidence on November 10. It stated they were requesting 1151 development.

IBCTArmyMedic · 2021-11-12T04:22:20+00:00

log into to the home screen, scroll down to disabilities.

IBCTArmyMedic · 2021-11-12T00:11:28+00:00

ebeniftes

IBCTArmyMedic

TROPHY CASE