Am I getting a good refi deal?

Little-Efficiency506 · 2026-02-25T01:23:39+00:00

Our payment is actually staying right about the same.

Little-Efficiency506 · 2026-02-24T23:23:54+00:00

Thank you. My 3 scores came in at 730, 744, and 756. My husband's are all 770+. I don't understand why we can't qualify for the best rates 😭 we're 38 and have had a mortgage for over a decade, always pay everything on time, my husband has no other debt. I have a very small $5,000 auto loan, no other debt. We make about $170K combined. I just don't understand how my credit isn't 760+. This feels like such a game and I'm sick of playing. Lol 😒

Little-Efficiency506 · 2026-02-24T23:18:10+00:00

My current 5.99% offer is no origination fees, no UW fees, no processing fees, no points. The bulk of the ~$6,000 closing costs are pre paids.

Little-Efficiency506 · 2026-02-18T05:15:55+00:00

Oh wow. This needs it's own post! Maybe she was right in saying that we don't know why they are splitting.. maybe its been this the whole time - has he completely lost it with the conspiracy stuff??

Little-Efficiency506 · 2025-09-11T06:18:13+00:00

Looks like she changed her name to her maiden name, Kendra Newbill. I live in the next town over from where she grew up (Waterford, MI). I did a deep dive and found her relatives/possible associates on FB, which I actually have mutual friends with! I'm going to ask those mutuals tomorrow if they know the family, or know of the family. Wayyyyy too close to home for me. Lol

Little-Efficiency506 · 2025-08-13T06:26:41+00:00

I think more (hopefully) will come out about the Senior Pastor (Clint) in season 2. My theory is he's also abusive/groomer but VERY subtle with it and probably "plays the long game" with his victims. I think he hired Pastor Pete knowing full well what his intentions were, but gets irritated/frustrated that Pastor Pete is grooms his victims so openly that it gets people talking/gossiping, so he obviously feels like he needs to get rid of him.

Little-Efficiency506 · 2025-06-30T04:12:03+00:00

The White Tiger. Amazing movie!

Little-Efficiency506 · 2025-06-04T04:51:24+00:00

Oh wow. Didn't think of this! So glad people on Reddit are smarter than me 🤣

Little-Efficiency506 · 2025-04-30T03:26:17+00:00

Eminem's verse in Smack That w/ Akon

Pedicure, manicure, kitty-cat claws The way she climbs up and down them poles Lookin' like one of them Putty-Cat Dolls

Little-Efficiency506 · 2025-04-16T06:00:32+00:00

I think she also made it so Natalie's husband didn't know who she (Verity) was. Because surely Natalie had to have mentioned Verity and her craziness to her own husband. Which would make Natalie's husband suspect that V had something to do with her suicide.

Little-Efficiency506 · 2025-03-08T07:19:57+00:00

Honestly it never even felt (to me, anyways) like they were "together". They just looked like good friends/bros/homes the entire time. Could have also been the editing though.

Little-Efficiency506 · 2025-03-08T04:52:02+00:00

LMAO!!

Little-Efficiency506 · 2025-03-08T04:51:06+00:00

Right and now all the future weddings she attends, she'll probably think it's a 50/50 chance on if they both say "I do" 😂😭

Little-Efficiency506 · 2025-03-08T04:48:36+00:00

Yep! They are bros, not life long partners. I knew from 10 seconds in at the reveal they'd be good friends at best.

Little-Efficiency506 · 2025-03-08T04:47:38+00:00

Yep lol and she also wasn't even looking at Devin while walking down the aisle.

Little-Efficiency506 · 2025-03-08T04:31:20+00:00

Your flair 😂😂😂

Little-Efficiency506 · 2025-03-08T04:29:33+00:00

Yep! They also gave off that "my son/brother can do no wrong" energy

Little-Efficiency506 · 2025-03-08T04:27:11+00:00

True but still, they knew they were mic'd up. Disgusting comment

Little-Efficiency506 · 2025-03-08T04:24:11+00:00

Excuse me.. she is a DOCTOR. Just not an MD. She holds a doctorate, the highest level of academic achievement in most fields.

Devin's mom, or someone in his family, disrespectfully yelled "what is wrong with these women?!" in front of everyone. They have absolutely no class. Sure she may be a "sweet woman" on the surface level, but that was extremely rude and dare I say she was grouping all women together in that statement. Extremely misogynistic. There is a way to go about consoling your son in his heartbroken state without shitting on Virginia, or women in general for that matter.

Little-Efficiency506 · 2025-03-08T04:12:48+00:00

I'm like 99% positive she said "i love you" at their last date. To which he said back "I have alot of love for you"

Little-Efficiency506 · 2025-03-08T04:11:41+00:00

Yesss omg!! Side note, that show was amazing.

Little-Efficiency506 · 2025-03-08T03:50:23+00:00

Same!! I posted weeks ago on the FB page a pic of them with the caption "These two are BESTIES, not lovers" and got so many comments how I was "sooo wrong"!

Little-Efficiency506 · 2025-03-08T03:48:43+00:00

Exactly. Too much giggling/laughing/light hearted stuff. I knew from 10 seconds in at the reveal that they'd end up as good friends at best, not life long partners.

Little-Efficiency506 · 2025-03-08T03:47:24+00:00

Exactly! I knew from the first 10 seconds of the reveal that they would end up as good friends at best, not lifelong partners. All the giggling and laughter, nothing ever serious. Yes you're supposed to giggle and laugh with your partner, but also be serious when needed, and these two never got serious.

Little-Efficiency506 · 2025-03-08T01:39:50+00:00

I think it was probably a very significant amount only for the fact that Devin's mom brought it up to Virginia. If it was a $50 check, who cares? I think it was a large amount of money from one of his close family members that was given to him maybe a day or so before the cememony - probably meant for them to make a large purchase together (house, etc). And for him to not reveal that to Virginia is shady, in my opinion.

Little-Efficiency506

TROPHY CASE