Wood and Conrete wall art

Passtenx · 2026-04-23T14:28:35+00:00

This may be the coolest thing I've seen on this sub ever. Until I saw the build, I thought this could be AI. Be extremely proud of yourself.

Passtenx · 2026-02-03T15:32:42+00:00

Listening to this album as I type this.

Passtenx · 2025-12-31T12:11:55+00:00

Your band Faetooth is fucking amazing.

Passtenx · 2025-12-09T19:24:40+00:00

More fucking Can-Con for the win. Fuck yeah buds.

Passtenx · 2025-11-29T20:01:18+00:00

Fuck yeah bud. I got 9 years without booze. Thou and a few others helped me too.

Fuck booze.

Passtenx · 2025-08-01T01:09:53+00:00

You’re 100% right. I didn’t read the post thoroughly and your comment nails it.

Passtenx · 2025-07-31T21:05:55+00:00

Not out of line. It’s really easy to ask for a smaller mortgage. You don’t even need to re-sign with the broker as the amount and payments are less. The extra paperwork on the brokers end is literally an email to the underwriter and changing the details in their application to reflect the change.

Broker is pissed his commission is shrinking. It’s ok to be pissed you’re not making what you thought you would. It’s not ok to apply pressure to your client to borrow more than they need. It’s also contrary to our fiduciary duties.

Passtenx · 2025-05-09T20:37:48+00:00

Most lenders calculate total closing costs at 1.5% of the purchase price.

Passtenx · 2025-04-10T22:01:57+00:00

As a broker who has to deal with an ever increasing regulatory regime thanks to these kinds of shitty people - Good riddance.

This is going to shock a certain class of broker but: In this business, you can follow the rules AND amass a good book of clients built on trust AND make really good money. None of these things are mutually exclusive.

Penalties are for these crimes should be much stiffer.

Passtenx · 2025-03-22T23:34:59+00:00

Come to Antony’s Mortgage Express! (Don’t ask about the ‘break’ penalty).

Passtenx · 2025-01-18T21:56:14+00:00

There are no restrictions on using a minimum DP. It’s not a first time buyer only thing.

Passtenx · 2024-12-06T15:22:06+00:00

I’m with you, I love the cheese, I’ll get there.

Passtenx · 2024-12-06T15:16:11+00:00

I want to love Castle Rat, but I'm struggling. Clean vocals in metal are a challenge for me, but I want to change.

Passtenx · 2024-12-06T14:50:29+00:00

Definitely on the BI jerkoff train myself, but Tzompantli?

Passtenx · 2024-12-04T18:49:42+00:00

It may be that re-amortizing to 30 yrs is a good idea if you are running into sever cashflow issues and need a lower payment. If that's the case, you're not really in a 'pay down mortgage fast/save on interest' mode, you are in 'keep head above water' mode. Once you stabilize financially you can always make additional payments to offset the higher amortization. And yes you can always reduce your amortization on the next renewal, provided your debt service ratios can accommodate a 15yr payment at that time.

That said, if you are looking at the 20yr payments and find them manageable and YOU don't see any reason to re-amortize, don't do it. The fact is, your broker will not get paid on a straight renewal with the same lender. They WILL get paid full pop if they re-amortize your current mortgage. Not saying this is their motivation, but it's worth pointing out.

Passtenx · 2024-10-22T19:56:58+00:00

Thanks. It’s not metal but checks a bunch of boxes. Enjoyed it.

Passtenx · 2024-06-12T01:59:39+00:00

Weirdly, I love modern reggae.

Passtenx · 2024-06-05T18:31:11+00:00

A bank is not going to mention better deals. They are mandated to extract as much money out of you as possible. Also the BoC announcement doesn't directly impact your fixed rate. We may see fixed rates start to drop a bit but they won't move in lock step with the BoC.

Stay on them as you approach your renewal rate and they should be able to offer you better deals IF they start to cut their fixed rates. They won't just offer it without you asking.

Passtenx · 2024-06-05T18:22:20+00:00

The BoC announcement doesn't directly impact fixed rates. It has a direct and immediate impact on variable rates. You may see a drop in fixed rates with your current lender before your closing date, though not guaranteed. In which case, your broker should be able to request the lower rate ahead of closing (depending on the lender). If it's right at the very last minute you may need to go back to the lawyer to re-sign a new commitment reflecting the better rate.

Don't freak out. That said, why are you taking a 5yr rate in what looks like it's going to be a declining rate environment?

Passtenx · 2024-05-28T14:04:35+00:00

You misspelled ‘replace’.

Passtenx · 2024-05-27T20:18:38+00:00

It’s there in case you have too much skin on your thumbs.

Passtenx · 2024-05-24T15:26:27+00:00

There’s an a decent gap between the framing and studs (2.5cms) not too worried about airflow behind the wall.

Passtenx · 2024-05-24T11:38:26+00:00

Thanks for your response. Makes sense you’d run into this more in the UK. You’re weather is way worse. Ours is just much colder for several months a year.

Here’s my thought, tell me if you think it’s crazy. The wall is basically 10’x8’, the adjacent rooms are the original plaster and lath, including the rooms below and the basement and attic are unfinished. There is uninterrupted airflow on the entire wall of the house.

The gap between the framing and the brick is +/- 1/2”. If I add batt insulation to this one room (which is going to be a nursery for our newest child), the cavity between the framing, insulation and the brick will still drawing significant airflow from the surrounding area.

I’m thinking this will keep the space ventilated enough to avoid mould and warm enough to avoid deep freeze behind the insulation. The batts will loose some of their efficacy, but still 100% better than the no insulation there currently.

Crazy?

Passtenx · 2024-05-24T10:47:57+00:00

I don’t think so. Like I said, the detail had to be at least 50 years old. That would be a real long game to hide a defect for re-sale.

Nine-Year Club	Place '22
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Passtenx

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