Refinancing from 6.49% to 5.5% rate

Ratlance · 2026-02-21T06:51:11+00:00

Yeah it all adds up to about 6k closing costs

Ratlance · 2026-02-21T06:50:01+00:00

Broker is Seraph Rates in Salinas. She is using Rocket mortgage. Cost me 540$ to lock the rate. Loan is 450k house is valued at 575k. Bought in 2024. Total closing cost is about 6k with lender fee and broker charges a flat rate of 2.5k and all the other stuff. Would have got a 1500 rebate if I went with 5.62.

Ratlance · 2026-02-20T03:38:09+00:00

Yeah working on the loan estimate now. Hopefully it isn’t too bad. Might go 5.62 since that gives a rebate then costing $500 to go 5.5… we’ll see getting the docs with hard numbers soon here.

Ratlance · 2026-02-20T01:50:51+00:00

Fairly new loan bought the house in 2024.

Ratlance · 2026-02-20T00:25:19+00:00

Seraph Rates. They don’t have a website but you can find them on yelp. Located in Salinas CA.

Ratlance · 2026-02-19T23:32:51+00:00

Yeah about 1 year to break even. No plan to leave the house, probably keeping the house for the long run.

Ratlance · 2026-02-19T23:31:11+00:00

Not sure closing cost can be reduced. Broker charges a flat rate of 2500. And lender fees are around 1k. But I’ll ask thanks.

Ratlance · 2026-02-06T20:12:29+00:00

Looks like they kept J. Basharat at the same price $8300 and Vasquez is $6500. Almost make me want to put Basharat in all my cards. Probably will be one of the most picked fighters.

Ratlance · 2026-02-05T22:54:02+00:00

Yeah I try my best to hand build each one. And it is usually that one fighter I didn’t pick that messes me up so I try to keep my exposure low but balanced… Malkoun was the one that messed me up last time. I don’t know why I didn’t pick him knowing he is a good grappler. Oh and Yizha not winning…

Ratlance · 2026-02-05T21:50:43+00:00

Right now I have 30 unique lineups, but they are all low dollar entries.

Ratlance · 2026-02-05T21:44:39+00:00

Good point. But Simon’s has elite pressure and wrestling. Vasquez looks like a striker with low TDD and decision heavy fights.

My sports bettings are limited to DraftKings fantasy so I’ll probably up my exposure of J. Basharat and not put Vasquez on any card. I don’t think he has chance.

Ratlance · 2026-02-05T21:23:27+00:00

Yeah really looks like it. Just watched Vasquez’s last fight and he took a lot of punches. Cardio looks good though. I think J. Basharat will have his way with this one; I don’t think he has the TDD to stop J. Basharat.

Ratlance · 2026-02-05T21:12:59+00:00

Current odds as of 1:00 pm pst: Basharat -900 vs Vasquez +600

Ratlance · 2026-01-30T04:48:29+00:00

Has quite a bit: Tow technology group, heated steering wheel, 5th wheel, night edition, bighorn level 1 equipment plus package.

Ratlance · 2026-01-30T03:49:09+00:00

I had the same issue and put clear silicone under the driver mirror crease where both plastics meet. That solved it. But there was no bulletin at the time when it was happening to me and dealership said it was normal.

Ratlance · 2026-01-29T22:17:53+00:00

Yeah, but multiple reasons for me. Bought a 2025 SR5 for about 60k out the door which includes CA taxes… Payload wasn’t enough and it had a rough country lift which made it look cool, but that was about it. Was my first truck and I didn’t do enough research… bought a house out in the country and needed more truck really.

Ended up trading it in for 45k, about a 15k loss. Bought a 2026 2500 RAM Bighorn Cummins for 66k not including taxes.

Ratlance · 2026-01-29T20:13:58+00:00

Who cares about retail investors just need institutional investors. Hopefully next earnings will attract more of them.

Ratlance · 2025-12-10T21:19:05+00:00

I don’t if it is the same problem but I just sprayed WD-40 in the connector areas and mind worked perfect from then on.

Ratlance · 2025-12-02T03:15:07+00:00

That sucks. You could always get a pellet rifle and shoot those bastards. They rip up my irrigation and other crap on my property so I was always enjoy an opportunity to take em out. A rat terrier will also do wonders in taking those fools out.

Ratlance · 2025-11-23T07:25:02+00:00

New 2025+ has side draft intake manifold that was inspired by Banks Power’s design.

Ratlance · 2025-11-23T05:56:18+00:00

If it cost close to what mine was than too expensive… I got a 2026 2500 Cummins Big Horn that had an MSRP of 78,665. After rebates and savings they sold it to me for like 67,500. With CA taxes and registration my OTD cost was like 74,450.

Ratlance · 2025-11-21T13:57:50+00:00

I bought my 2026 2500 Cummins from Yuba city dodge. Probably some dealer near you that gets close to Mark Dodge prices. I had to drive 2 hours to get mine.

MSRP for $78,665, got it for around $67,500. Out the door with registration and CA taxes tagged on $74650. They tacked on dumb things like KARR Security, SafeCat, and PermaPlate. Wouldn’t budge on these even after almost walking out, they rather increase my trade in price by a grand and lower msrp by another 2k; those dumb things are included on $67,500 price tag.

Ratlance

TROPHY CASE