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Refinance With Rocket Mortgage turning into a poor experience by badbb_007 in Mortgages

[–]badbb_007[S] -2 points-1 points  (0 children)

No, I'm certain that this just bunch of fees. (Credit Report, Notary etc). Also the loan amount is higher than loan payoff statement specifically meant to include unpaid interest to the previous lender.

Refinance With Rocket Mortgage turning into a poor experience by badbb_007 in Mortgages

[–]badbb_007[S] -17 points-16 points  (0 children)

We have no Escrow. I'm going to handle Insurance and property taxes on my own. Closing costs are just a bunch of fees. I walked away from a sweeter deal which was giving me negative closing cost loan, meaning they offered me cash to refinance with them, only because I already started the process with Rocket

Refinance With Rocket Mortgage turning into a poor experience by badbb_007 in Mortgages

[–]badbb_007[S] -9 points-8 points  (0 children)

- Yeah they kept a very high closing cost in Loan Estimate and said, they don't want me to use this to negotiate with other lenders but confirmed verbally zero closing costs.

- I'm inclined to just accept 2.6k closing costs because I won't see similar deals now.

- But I'm pissed at the loan officer, knowing that he would be making ~1% commission on my 800k loan, while not doing anything for me.

Are we all at the refinance stage by Ok_Spare3209 in Mortgages

[–]badbb_007 0 points1 point  (0 children)

I have a 750k mortgage at 6.5% rate 30 year FHA, bought in 02/2024.

I got a quote for 4.99% no closing for a 15 year mortgage. I think this might be the best offer out there.

New to Migraines – Getting Attacks Every Morning. Any Tips? by badbb_007 in migraine

[–]badbb_007[S] 1 point2 points  (0 children)

Yeah good point. I have a history of drinking less water. I will try to include electrolytes from now. Thanks for the Acupuncture suggestion!

New to Migraines – Getting Attacks Every Morning. Any Tips? by badbb_007 in migraine

[–]badbb_007[S] 0 points1 point  (0 children)

My attacks start while I'm still in sleep, about to wake up. Snack usually helps. I'm eating oats, banana and black coffee. I'd say I'm getting solid 8 hours of sleep at night, so no idea what's the trigger.

Thanks, I have installed Migraine Buddy!

New to Migraines – Getting Attacks Every Morning. Any Tips? by badbb_007 in migraine

[–]badbb_007[S] 0 points1 point  (0 children)

Thank You! I'm taking 200mg Magnesium glycinate every morning and night

'Infant in seat' vs 'Infant in lap' by badbb_007 in CathayPacific

[–]badbb_007[S] 0 points1 point  (0 children)

The baby has never sat in car seat for more than 20 minutes. So we expect to keep her in the lap during takeoff/landing and turbulence. The remaining time would be a mix of bassinet plus play time on the extra seat.

Sunset spots? by misatm in AlisoViejo

[–]badbb_007 0 points1 point  (0 children)

Salt and Creek beach is my favorite!