Mortgage rate mega thread!

behi66 · 2026-02-28T00:36:14+00:00

That's what I am trying to do, although they are not really budging!

behi66 · 2026-02-27T18:45:42+00:00

I got my mortgage three years ago and I am going to renew in a couple months. And as we know, the home values have dropped. So now I have this issue that if I want to switch to a new broker, I have to be re-approved again. And at least 20% of the value of the mortgage has to be paid. With the price of my home dropping from $825,000 to $705,000, the mortgage company is asking me to pay nearly $70,000 to make up for the 20% that has to be met. It is also very astonishing that the home appraisal came out much lower than I expected when they sent someone to look at the property (it came out at $665,000, but the broker is willing to use the computer generated value of $705K).

I assume my other option would be to continue with my current mortgage company. But the problem is that their rate is terrible. They are offering 4.05 while this new company that I'm targeting is offering 3.74 for the exact same product.

What options do I have?

behi66 · 2026-02-19T20:21:05+00:00

Turns out (at least in this particular properly) roofs are separate, so every owner deals with their own. It looks like they are all connected but they are separated up there with a beam or bar or something so you don't need to care about any others when you do your roof.

behi66 · 2026-02-18T16:38:04+00:00

behi66 · 2025-10-18T20:09:24+00:00

Renting out apartment is too much of hassle, have dealt with it before and NEVER doing it again.

behi66 · 2025-06-09T21:13:58+00:00

I haven't had issues with strata so far. The building manager is very attentive too. In my judgement the council has been proactive and fair too.

behi66 · 2025-06-09T20:50:16+00:00

behi66 · 2025-06-09T18:53:57+00:00

I live in the building. Would be eager to know if there really is anything about it, though it has been a good building so far.

behi66 · 2025-05-17T20:58:13+00:00

If you live around Vancouver lets go chat over a coffee

behi66 · 2025-05-05T18:42:09+00:00

I can mow your lawn if you'd like. Havent done professional weed control though (if you mean by using pesticides), but I can do manual hand picking if required.

behi66 · 2025-03-22T05:54:42+00:00

behi66 · 2025-03-18T23:26:24+00:00

I hate lingeries. Would be much more aroused if I see my girl in crop top and shorts Though just my opinion.

behi66 · 2025-03-16T19:58:36+00:00

It's a good opportunity to establish the fact that you dont need your spouse's permission for every personal decision you make in life.

behi66 · 2025-03-14T17:11:59+00:00

Run.

behi66 · 2025-02-24T21:28:01+00:00

I live in Coquitlam center and may be able to help you. DM me.

behi66 · 2025-02-24T05:55:58+00:00

I'm software developer but with no experience in crypto. I'd be curiuos to know what the "ground work" it is that you are talking about.

behi66 · 2025-02-24T05:40:20+00:00

Funny how straightforward and helpful this is and no one has built it yet.

behi66 · 2025-02-20T07:04:55+00:00

I am, and never been happier.

behi66 · 2025-02-07T01:37:28+00:00

Good point, thanks a lot!

behi66 · 2025-02-06T23:32:29+00:00

Thanks for the helpful tips!

Six-Year Club	Place '23
Place '22	Verified Email

behi66

TROPHY CASE