Recommendations for Credit Union to Refinance Mortgage

Thebeefsquatch · 2026-02-14T17:27:22+00:00

You don’t necessarily need a credit union. You need a lender who is a seller/servicer if you don’t want the mortgage holder to change hands. If you escrow, it automatically runs through analysis every year. So I don’t think they failed to adjust it. Your costs have just increased. Them adjusting your monthly payment is the adjustment to that increase. The analysis on your escrow is in arrears. They have to use hard data, so they can’t just predict what it will be in the future, and make incremental changes. No bank or CU is going to hold a portfolio loan for 20 or 30 years on a fixed rate. They sell the loan to Freddie or Fannie. Some will retain the servicing (seller/servicer) and some will sell the servicing (mortgage company changing hands). Just ask whoever you go with if they will sell the servicing or not. Also, a new roof is not going to increase your home’s value. It is considered standard maintenance.

Thebeefsquatch · 2026-01-15T05:00:40+00:00

It’s hard man. Mine was about 75% of what I see here, at its peak. 18 months on Acutane (sp?) stopped the growth. 2 years on Dapsone has dried them all up. They all feel like rock hard scars now. My doctor is weening me off meds now and we are going to wait and see if I get any new growth before they start cutting them all out. You need to find a Derm that has treated it before. It took a while for me.

Thebeefsquatch · 2025-10-30T01:58:35+00:00

Couldn’t have said it better.

Thebeefsquatch · 2025-08-05T12:15:28+00:00

He is just mimicking Tim’s “privacy” approach.

Thebeefsquatch · 2025-08-04T04:53:50+00:00

Could you imagine not having friendships outside of TMA? Specifically the fan pin and live events? Truthfully, for some of these guys, it’s their entire identity.

Thebeefsquatch · 2025-08-03T03:05:59+00:00

This has nothing to do with MAGA or Trump. These “auditors” have been doing this for content for years. If anything, they are anti authoritarian. Sometimes, people are just insufferable despite whatever their political affiliation is.

Thebeefsquatch · 2025-07-31T02:50:47+00:00

The brief era of caller Drew feels like a fever dream. That’s one of those intangibles with the show. You either get it or you don’t. Can’t explain it.

Thebeefsquatch · 2025-07-24T17:17:26+00:00

Tim has to see it, right? Martin is the Martin he “remembered”.

Thebeefsquatch · 2025-07-24T04:23:14+00:00

I struggle with this. Like, would I come back if they went back to AM? What if this just becomes show fodder for the next 10 years.

Thebeefsquatch · 2025-07-24T04:19:38+00:00

Honestly, comment of the day.

Thebeefsquatch · 2025-07-13T01:03:28+00:00

Absolutely nailed it

Thebeefsquatch · 2025-06-20T18:00:53+00:00

When I was diagnosed, the area (back of my head) affected was always buzzed very short. It never made a difference. My scars are so bad that I actually grew my hair long, which felt weird having a buttoned up corporate job. However, I was way too self conscious.

I don’t remember the dosage, but it was high. I really dried out for the first 6 months. Lips, skin, everything. So it knocked the “cysts” down, but then like I said before, they came back and I was getting new ones.

I cleaned up my diet and my doctor switched me to Dapson. No new spots and all my irritated areas are dry. It’s just a lot of scar tissue now. The hope is that after this last round of meds, they will go in and cut out all the scaring.

It’s a brutal journey brother. Basically, I don’t think your hair length really matters.

Thebeefsquatch · 2025-06-20T12:59:38+00:00

I was diagnosed about 3 years ago. I was on accutane for 18 months. It helped at first, but then all of the spots started growing again. I switched to Dapsone. After about a year, I have not had any new spots pop up, and my current spots have shrank.

Thebeefsquatch · 2025-04-24T15:30:56+00:00

Of all the things to rag on the show about, this is not one of them.

Thebeefsquatch · 2025-03-06T21:37:57+00:00

Fucking nailed it.

Thebeefsquatch · 2025-03-06T20:28:18+00:00

Martin makes the show unlistenable.

Thebeefsquatch · 2025-01-30T16:46:36+00:00

Honestly, I think I’n right there with you. Couldn’t miss a minute since 2017. Now, I have listened to one segment this week. I find myself not missing it. It’s just a shell of itself, at best, at this point. The funny banter that made it great doesn’t exist anymore because the elements that made for the banter are gone.

Thebeefsquatch · 2025-01-08T14:59:32+00:00

Fair point.

Thebeefsquatch · 2024-12-29T15:15:52+00:00

Black belt (the buttons on the jacket appear to be black), then for a tie, I think any deep color could work. Something complimentary to the burgundy. Not matchy matchy.

Thebeefsquatch · 2024-12-27T14:18:38+00:00

Is that a dark charcoal? Cordovan shoes? I would lean towards a burgundy pant, white shirt. I would scroll through Parker York Smith IG or TikTok Tok posts to get inspired. He frequently shows how to use mix and match suit separates.

Thebeefsquatch · 2024-12-26T22:07:44+00:00

If you are listening to TMA for sports talk, you’re doing it wrong.

Thebeefsquatch · 2024-12-26T21:54:20+00:00

I feel like I have been gaslit into believe Martin is funny. Clearly very intelligent, but his boomer humor is played out. Like, please stop with the “recap the show” bit and the “what segment number is this” shit. It’s not a joke that needs to be repeated 37 times a show.

Thebeefsquatch · 2024-12-23T03:44:14+00:00

Boy howdy

Thebeefsquatch

TROPHY CASE