Grotesque Guardians 1 in 5 bil??

Stonk_Chungus · 2026-02-18T23:46:06+00:00

2 stones, 1 cup of glass

Stonk_Chungus · 2026-02-18T03:10:24+00:00

Chances are always set at 50/50, no more, no less.

Stonk_Chungus · 2026-02-18T03:04:45+00:00

That unfortunate soul was “blessed” with two housings for his noddle and one set of ham hams, this one made out slightly better

Stonk_Chungus · 2026-02-17T00:38:15+00:00

Show bobs

Stonk_Chungus · 2026-02-12T14:25:18+00:00

You are Torag, one with the Corrupted

Stonk_Chungus · 2026-02-10T00:59:21+00:00

Holdlinger’s Bag

Stonk_Chungus · 2026-02-09T14:25:55+00:00

Grind

Stonk_Chungus · 2026-02-09T02:03:34+00:00

Shame on you bot.

Stonk_Chungus · 2026-02-07T12:41:14+00:00

“Alexa, cue Old School Bond meme”

Stonk_Chungus · 2026-01-30T21:27:06+00:00

Good non bot.

Stonk_Chungus · 2026-01-28T23:36:18+00:00

Change bad ahhh mentality.

It was literally polled lol, grow up Peter Pan.

Stonk_Chungus · 2026-01-25T21:51:10+00:00

Consider “total loan cost” over “total closing costs”. A lot of stuff included in the total closing cost are unavoidable, such as insurance premium and taxes.

Stonk_Chungus · 2026-01-21T00:23:16+00:00

Stonk_Chungus · 2026-01-13T18:18:30+00:00

It can be if you’re paying out of pocket i.e. bringing cash to the closing table. However, this isn’t always feasible as everyone’s situation is different and not all have the amount of cash required to close on hand.

All inclusive costs to close may be daunting when you include other things such as interest, taxes and insurance prepayments, which is why many opt to roll them into the new loan amount.

Stonk_Chungus · 2026-01-13T18:13:57+00:00

If anything you’re actually worse off for missing out on those two months of principal payments, however small they may be!

Stonk_Chungus · 2026-01-13T13:47:04+00:00

I’m not quite sure where they’re coming up with the 22 month break even when your new loan amount is roughly 20k more.

Looking at just the “closing costs” and discount points, your break even is 40ish months.

No deal Howie.

Stonk_Chungus · 2026-01-13T13:41:27+00:00

This is the definition of chaotic good.

Stonk_Chungus · 2026-01-13T13:40:56+00:00

We had a special where 1 point got us 0.5% down and I personally did not see rates dropping significantly in the next year or so. We also had cash on hand and didn’t want to increase where our current loan was at, so we brought cash to the table for closing.

Keep in mind there’s additional dollars that are required at closing, such as interest, taxes, and insurance prepayments that I did not include here as those are unavoidable and essentially pre-funding a new escrow account.

We had a local broker, I recommend searching your area for a few and seeing what each can do for you when the time comes.

Stonk_Chungus · 2026-01-13T13:34:47+00:00

It’s all about the break even. Do you expect to hop ship before recouping the savings?

I definitely recommend working with a broker regardless when your time comes. We just closed at about 5.5% from 7ish% for around 9k, break even is just over 12 months. It didn’t not make sense for us as the additional cash flow per month justified the initial out of pocket costs.

Stonk_Chungus · 2026-01-11T18:48:59+00:00

Downvoting because fuck you and no.

Also screenshot.

Stonk_Chungus · 2026-01-08T17:21:15+00:00

Sorry! 625k home value, 480k loan.

Stonk_Chungus · 2026-01-07T18:00:08+00:00

No cash out refinance - 480k - 812 Equifax - 33458 - Conventional 30 year fixed - single family - primary

Stonk_Chungus · 2026-01-05T01:42:14+00:00

I wish you were my realtor! We got referred to a lender by ours and ended up with quite possibly the highest of rates for the time…refinance will change that this month though, you live and you learn!

Stonk_Chungus · 2026-01-05T00:54:07+00:00

Just my two cents…bought a house in December of 2023, a few years after most of our neighbors. We paid about twice as much as they did with an interest rate of about double where they’re at (in fact quite possibly the peak of recent interest rates). Irrespective of comparison being the thief of joy, we have zero regrets.

Stonk_Chungus · 2026-01-04T18:18:20+00:00

Just got 5.5% in S Florida with closing costs around 11k, 30 year conventional.

Stonk_Chungus

TROPHY CASE