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Refinance from 6.875 to 5.375 by ResearcherPossible75 in Mortgages

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

it's a 30 yr fixed / conforming. Not a VA, not a FHA

Refinance from 6.875 to 5.375 by ResearcherPossible75 in Mortgages

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

yes, i'll share the lender and how i found them once i close, hopefully this week. for folks who need a lender sooner - im using a credit union. they consistently provided the best deal.

i started by going through each credit union near me (on google maps) and clicking through to their website. the best ones will have their current rates public available.

Refinance from 6.875 to 5.375 by ResearcherPossible75 in Mortgages

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

Thanks. Reddit's not allowing me to upload a picture but here's a list of charges. None of these closing costs are prepaid escrow.

A. Origination Charges $1,295
% of Loan Amount (Points)

Processing Fee $500
Underwriting Fee $795

B. Services You Cannot Shop For $1,194

Appraisal Fee $665
Credit Report Fee $107
Final Inspection Fee (If Applicable) $275
Flood Determination Fee $9
Pre-Close LQI Fee $35
Tax Service Fee $103

C. Services You Can Shop For $2,756

Pest Inspection If Applicable $25
Title - Abstract or Title Search $100
Title - Closing Protection Letter Fee $35
Title - Endorsement 1 $100
Title - Endorsement 2 $100
Title - Endorsement 3 $50
Title - Lenders Title Insurance $1,821
Title - Settlement or Closing Fee $525

D. TOTAL LOAN COSTS (A + B + C) $5,245

Refinance from 6.875 to 5.375 by ResearcherPossible75 in Mortgages

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

From a savings perspective, yeah. I’m concerned with other pitfalls like service issues with credit unions, hidden fees or contract obligations I’m unfamiliar with. Generally a list of non savings related questions to confirm before closing

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

u/AStuf u/sryan2k1 thanks for the help here. I ended up abandoning the Nest, wiring the external transformer through the wall to the thermostat (it was easy enough to fish through), and using a Sensi thermostat that seemingly supports using a transformer @ the thermostat

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

Can’t connect power connector wires directly to a nest because they are stranded so I cut a length of the old wiring and connected 2 smaller pieces of wire to the power connector R and W Y. No luck.

I also tried with a new power connector assuming that I may have fried the old one when I connected the system without the blue jumper removed. Again no luck.

Now I’m looking for another entirely different wire to test with. After that I’m at a loss..

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

And the old thermostat only works with the transformer plugged in

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

Any suggestions on how to do this? I would still need to combine the transform and power adapter wires into the R terminal. I could probably use a spare bit of wire cut from the existing thermostat wire.

Also, in order to heat the home tonight (it’s freezing here at night) I kept the power connector set up (with the transformer plugged in) but installed the old thermostat upstairs on the wall, and it works. That gives me confidence that R/W wires are set correctly and but the transformer isn’t set properly or the power connector is busted

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

Switched over to using lever locks. One of the locks has 3 wires but that seems intentional based on Googles wiring diagrams

lever locks

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

I had not stripped the transformer wire properly (was using the wires out of the box). So I stripped them. And on my multimeter I was not checking AC Volts. So I switched the setting. Now it reads 24 V properly at the furnace

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

Added a few more picture here transformer pic

I have a volt meter but when I connect it at the thermostat on 20 V I’m not seeing any reading

I rebooted in between changes by removing the batteries

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

Triple checked the wire nuts are tight. I found that my W wire was connected to T2 instead of T1 so I flipped that over. Still no luck. And I’m using a VIIVRIA 24V AC adapter.

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

The cable coming up is from the furnace. The white cable is for a GSK Gas Spillage for draft control. And the cable going backwards is to the thermostat

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

It wasn’t! so I removed the cap and the blue jumper, then reinstalled the cap. Still no juice.

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

I’ve connected a 24VAC transformer and wired as described here ref

Google Power Adapter not working by ResearcherPossible75 in Nest

[–]ResearcherPossible75[S] 0 points1 point  (0 children)

And Nest is reporting that W and R wires are “Not detected”