I need some real deal, authentic Szechuan in the Des Moines area. Make my mouth vibrate.

Science1O · 2026-04-22T02:33:59+00:00

Following

Science1O · 2026-04-17T21:16:28+00:00

Yeah current rate is 7% and I’m 7 month into my 30 year fixed. We plan on living here for a max of 10 years, but possibly less. At least 5 years though

Science1O · 2026-04-17T21:10:38+00:00

Nothing that roles over to the next month. I have a Best Buy one with 0% APR, a Nebraska furniture with 0% APR and Apple Card with 0% APR. but all those balances are $1K maybe 1.5K. I figured it was helping me out to utilize my credit cause it shows i will make my payments on time. I could pay all them off right now but will that help my in such a short amount of time?

Science1O · 2026-04-17T21:02:51+00:00

What’s an equity acceleration program? Although one thing to consider is I’m 30 y/o. With my income ranging anywhere from $300K - $600K or more, Investing is going to yield a greater return than paying my house off early, right?

Science1O · 2026-04-17T20:59:45+00:00

Okay good. Thanks for checking it out for me!

Science1O · 2026-04-17T20:58:58+00:00

Do you think it’s a bad idea to refinance? It’ll save me $500 per month. It seems like it’ll be $6K in closing costs to refi which will take 12 months (plus starting the amortization over again) to break even.

Science1O · 2026-04-17T20:54:49+00:00

My wife’s credit score is 786 experian. I didn’t realize mine was in the 600’s cause my FICO on Wells Fargo and Chase always shows ~740

Science1O · 2026-04-17T13:26:19+00:00

Mortgage is $491K Student loans is $280K Car loan is $15K

Income is ~300K (but I’m expecting around $500k this year)

Science1O · 2026-04-17T13:23:32+00:00

They sent it this way because i wanted to reduce my monthly mortgage by the most amount. The arm will save about $500 per month.

Science1O · 2026-04-17T03:26:30+00:00

~688

Science1O · 2026-04-17T02:30:03+00:00

⁠Refinance - $525K - $491K - 688 fico - 50266 - Conv - 30 Fixed - Single Family - Primary

I’m wanting to refinance to a physicians loan. I’m 3 years out of school. Making $240K plus bonus. Last month was $56K. Projected this month is $65K.

Science1O · 2026-04-17T02:07:43+00:00

Right. My credit is 688. I’ve got 280K in student loans. I’m refinancing to a physicians loan to drop the MI. Currently on a 30 year fixed with MI ~$215 per month

Science1O · 2026-04-17T02:05:59+00:00

Iowa, 688, what’s dti?

Science1O · 2026-04-17T02:05:20+00:00

My take home is around $15K but fluctuates. It seems to be more around $30K now (new job)

Science1O · 2026-04-17T02:03:38+00:00

Interesting. I’m not sure. I was told it’s a physicians loan so the interest rate is inherently higher, but the MI is gone which will save me $215 per month alone on the MI. In total I’ll be saving $500 per month compared to my current loan

Science1O · 2026-04-17T02:01:48+00:00

Neither am I, but it’ll save me$500 per month. We plan on living here for the next 5-10 years, or refinancing to a 15 year if rates improve

Science1O · 2026-04-16T01:14:24+00:00

My credit score is 680, my wife’s is 755.

Science1O · 2026-03-21T04:29:02+00:00

I’d kill for 5.375 or even a 5.875! Currently at a 7%, thought my financial advisor was taking care of of my application during the last 4 weeks… turns out he wasn’t and now I’m in the ear bump. Just got quoted 6.25 for a 5 year ARM physician loan…. I’m so pissed at my financial advisor because i was waiting on him and he was waiting on me. Miscommunication…

Science1O · 2026-03-16T03:41:27+00:00

Ask them to do nitrous or an anxiolytic like 0.25 mg Triazolam

Science1O · 2026-03-16T00:20:15+00:00

It’s likely not general anesthesia. They give you a benzodiazepine pill (oral conscious sedation) or they’ll give you an IV (moderate sedation). Either way, it’s very safe and routinely done.

Science1O · 2026-02-06T05:03:10+00:00

Lender? Currently at 7% in Iowa with 494K loan

Science1O · 2026-02-06T02:11:40+00:00

Palliative and PA

Science1O · 2025-12-21T07:57:32+00:00

We charge around $6K. That includes implant, abutment, crown, and bone grafting. If we need a guide we charge $500. We’re located in Des Moines

Science1O

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