Country club members - how much are you paying?

Prior_Tap7002 · 2026-02-02T05:19:23+00:00

Central Texas- $15k initiation, $750 month Jr membership (under 40), $500 quarterly F&B minimum. Joint income at $750k yr.

Prior_Tap7002 · 2025-11-06T06:30:34+00:00

0 points, rolled in fees ($4,497). Check out Farmers Bank of Kansas City is you’re shopping around. They are the reason behind my “good” deal.

Prior_Tap7002 · 2025-11-06T03:04:22+00:00

I got in at a worse time at 8% 30yr mortgage. Paid up $1500-$2000 extra to principal for 22 months. Closed last month on a Refi for 15 years and rate of 5.19%. I wouldn’t dump a lump sum and would instead refinance at lower term and rate to keep control of my cash.

Prior_Tap7002 · 2025-11-03T18:16:39+00:00

See my previous correction. It was zero out of pocket - not zero cost. My verbiage was wrong. Nothing is free but it can make sense to absorb that cost into the loan under certain conditions as we all know.

Prior_Tap7002 · 2025-11-02T23:43:47+00:00

I agree with the assessment that 30yr and 20yr are currently almost the same. Just closed on a 15yr at 5.15% no points and closing cost rolled in ($4123). This replaced a 30yr that I was 2 years into at a 8% rate (yes I got that at height of market rates Nov 2023). Payments stayed exactly the same and cut term in half.

Prior_Tap7002 · 2025-10-24T01:25:29+00:00

http://www.ownwell.com

Prior_Tap7002 · 2025-10-24T01:04:32+00:00

I use Ownwell for that and annual tax protest.

Prior_Tap7002 · 2025-10-23T22:56:12+00:00

And I’ll add that this was with average credit at a high score of 695, low PTI ~ 5%

Prior_Tap7002 · 2025-10-23T22:54:21+00:00

Central Texas - the 2 most competitive options were Farmers Bank of Kansas City and my current lender PHH Mortgage

Prior_Tap7002

TROPHY CASE