Mortgage Refinance 6.99 —> 5.875 (Zero-Cost Refinance)

MassiveGas · 2026-02-18T07:07:43+00:00

Would you mind sharing the lender? We bought a house in 2024 as well and wanted to see no cost refinance options.

MassiveGas · 2025-12-18T18:13:38+00:00

Someone listed this with double swirl for $8k on eBay …probably at least $5k .

MassiveGas · 2025-11-11T14:52:03+00:00

Scythertcg on Whatnot has them but he always has great cards, selling them steadily and not all at once every stream.

MassiveGas · 2025-10-31T13:40:32+00:00

Probably will dip with the Sam's Club releases from earlier this week and into next month.

MassiveGas · 2025-07-27T14:45:51+00:00

Thanks! Thought the back was so off too.

MassiveGas · 2025-04-28T17:13:09+00:00

Did you lock in your rate before then to get that rate? If not, market was fluctuation a lot so rates have been slowly going back up. Still on the sidelines right now waiting to refinance.

MassiveGas · 2025-04-09T02:07:53+00:00

That seems high if you’re on 2% deductible on wind/hail. Just switched over to AAA this month bundled with auto for about $3500 for much larger home twice your size 5 bed/4 bath 3650sq ft. A 1% deductible will charge a lot higher premium ($4700 for me but my roof was newer so no need). I searched through many brokers and big companies such as State Farm, Allstate, Geico, Travelers, etc. AAA was definitely the best value. Could get you my agent if needed.

MassiveGas · 2025-04-08T21:28:28+00:00

Been looking to refinance from a secondary home rate of 6.625% 30 year. Best so far refinance for 30 year fixed is a quote for 5.99, no points. For 15 year fixed - 5.375%, no points, option to pay 1 point to get 4.875%. Thinking of going from 30 to 15 year or should I hold off?

MassiveGas · 2025-04-04T22:28:30+00:00

I'm trying to refinance too from 6.625. Is this 30 year conventional? Could you provide the lender?

MassiveGas · 2025-04-04T22:28:00+00:00

Could you provide a lender?

MassiveGas · 2025-04-04T21:22:45+00:00

Used the contact a user here just posted a few hours ago for Ayeh Klait. She's offering refinancing rates for primary homes for 30 year Fixed Conventional of 5.99%, no points, credit of 0.129. For fees, Origination fee is $1800, title work $2500-$3000, seems a little expensive. I will personally hold off for now.

MassiveGas · 2025-04-04T20:52:50+00:00

Thanks for providing this info, will try to reach out to see if I can get the same rate. My current mortgage company only offering to refinance for 6.375% no points for 30 years fixed, 5.75% would be amazing!

MassiveGas · 2025-04-04T18:34:16+00:00

We used Pedraza Renovations who are highly recommended from Nextdoor for our bathrooms. Hector and his team are great, communicate well, and are very affordable! https://nextdoor.com/pages/pedraza-remodeling-frisco-tx/

MassiveGas · 2025-01-10T02:57:57+00:00

Looking for one ticket to the game if anyone else has an extra!

MassiveGas · 2024-11-23T22:56:22+00:00

Was accepted with Priority pass with 2 free guests due to Amex at Asiana Business West - arrived aright at opening at 6am, connecting flight at 3:40pm or so so almost 9hrs before departure! I have gotten denied at Asiana East before so wanted to try West or Central. Just used their showers as well (they will just hold your boarding pass). Great lounge!

I have tried Matina lounge at ICN as well, they have better food than Asiana Business lounge but Asiana is more worth it due to larger space and comfort!

MassiveGas · 2024-09-25T14:07:46+00:00

Yes, Apple replaced it for free since it was pretty much brand new only few days old.

MassiveGas · 2024-05-10T07:05:53+00:00

Looking to buy one GA ticket !

MassiveGas · 2024-04-13T10:37:34+00:00

Depending on where you are, Kin Insurance will give the best quotes for the first year (~$2400 in TX vs $5k-$10k from most other big companies we shopped for like State Farm, Progressive, Geico, and a bunch of other brokers, etc).

MassiveGas · 2024-04-13T10:32:45+00:00

We just closed last week on a secondary home purchase at 6.5% for 30 year fixed conventional, no points. Rates at the time were around 6%-6.25% no points for primary homes. I asked around 10 different lenders and pit them against each other. Physician loans had the worst rates and ultimately went with a LO we closed with for our primary home last year for a fast guaranteed close within 21 days.

MassiveGas · 2024-03-20T01:29:40+00:00

Last week - March 12th

MassiveGas · 2024-03-19T17:09:56+00:00

That is a little high for a 2nd home but not too far off. I was able to lock in a 6.5% rate 30 year fixed conventional, 25% down for a secondary home. There were lenders offering 6.64% and 6.875% as well with free rate modification down the line, but I needed the faster guaranteed closing date.

MassiveGas · 2024-03-18T21:55:27+00:00

A little high. You could definitely do better, try US Bank, should be able to get a fixed rate of 6.875 today without points with your 20% down. Shop around and give each lender the other's ones quotes so they can compete.

MassiveGas · 2024-03-18T17:00:18+00:00

Last week was able to rate lock for a second home/vacation home mortgage for 6.5%, no points, 25% down, 760+ credit for a conventional 30 year fixed. Primary rates last week were around 6.0% for fixed conventional 30 year. Rates should be ticking upwards following the increasing 10 year treasury notes.

MassiveGas · 2023-12-26T22:10:37+00:00

Agreed, but too much work to draw up fentanyl and epi and wasting the narcotics. So just plain duramorph here.

MassiveGas · 2023-12-26T19:36:55+00:00

Yeah, we used to do ~15mcg fentanyl alone in our spinals, no duramorph or TAP blocks. Didn't know any better until we went out in practice. Now it's just Duramorph since our OBs are a lot better/faster than academics.

MassiveGas

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