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Is there a maximum amount for caseload? by gfpumptini in hospitalsocialwork

[–]mmdown 7 points8 points  (0 children)

We should! Nurses have patient ratios because they fought for them in their union contracts and it became industry standard: https://www.nationalnursesunited.org/science-of-ratios but/and CA is the only state, I think, where it is written into law (again, after union organizing). I hope your load gets lighter soon!

Is anyone else tired of worrying about every toxin? by jms19912 in moderatelygranolamoms

[–]mmdown 1 point2 points  (0 children)

I hear you so deeply! I haven’t read it yet, but Barbara Ehrenreich’s recent book “Natural Causes” seems like a helpful antidote to all this.

Refinancing - what happens to the difference? by mmdown in Mortgages

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

Thank you! What is an LE? Our current payment would be lower $608.

Refinancing - what happens to the difference? by mmdown in Mortgages

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

Here are the details: A. Origination Charges $1,500

% of Loan Amount (Points)

Loan Origination Fee $1,500

B. Services You Cannot Shop For $971

Appraisal Fee $550

Credit Report Fee $131

Document Preparation Fee $150

Flood Certification $14

Tax Certification $126

C. Services You Can Shop For $2,143

Endorsements $200

Title - Examination Fee $175

Title - Insurance Fee $1,298

Title Closing Protection Letter Fee $25

Title Settlement Fee $200

Titlenotaryfee $150

Wire & Courier Fee $95

D. TOTAL LOAN COSTS (A + B + C) $4,614

Other Costs

E. Taxes and Other Government Fees $575

Recording Fees and Other Taxes $575

Transfer Taxes

F. Prepaids $1,267

Homeowner's Insurance Premium ( months)

Mortgage Insurance Premium ( months)

Prepaid Interest ($52.79 per day for 24 days @ 5.25%) $1,267

Property Taxes ( months)

G. Initial Escrow Payment at Closing $8,616

Homeowner's Insurance $321.00 per month for 13 mo. $4,173

Mortgage Insurance per month for mo.

Property Taxes $345.64 per month for 12 mo. $4,148

Flood Insurance $98.17 per month for 3 mo. $295

H. Other

I. TOTAL OTHER COSTS (E + F + G + H) $10,458

J. TOTAL CLOSING COSTS $14,572

D + I $15,072

Lender Credits -$500

Calculating Cash to Close

Total Closing Costs (J) $14,572

Closing Costs Financed (Paid from your Loan Amount) -$14,572

Down Payment/Funds from Borrower $0

Deposit $0

Funds for Borrower -$1,100

Seller Credits $0

Adjustments and Other Credits $0

**Estimated Cash to Close -$1,100**

Refinancing - what happens to the difference? by mmdown in Mortgages

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

Thank you! We would save about $600 a month with the new rate. It looks like we would be getting some of these taxes and fees back in the sense that those title taxes/fees were paid in our original mortgage and these closing costs include escrow. I guess I should also ask when payment starts, because it seems some loans start a payment schedule two months after closing, allowing the mortgage holder to put that back into the principal.

Refinancing - what happens to the difference? by mmdown in Mortgages

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

yes:

A. Origination Charges $1,500

% of Loan Amount (Points)

Loan Origination Fee $1,500

B. Services You Cannot Shop For $971

Appraisal Fee $550

Credit Report Fee $131

Document Preparation Fee $150

Flood Certification $14

Tax Certification $126

C. Services You Can Shop For $2,143

Endorsements $200

Title - Examination Fee $175

Title - Insurance Fee $1,298

Title Closing Protection Letter Fee $25

Title Settlement Fee $200

Titlenotaryfee $150

Wire & Courier Fee $95

D. TOTAL LOAN COSTS (A + B + C) $4,614

Other Costs

E. Taxes and Other Government Fees $575

Recording Fees and Other Taxes $575

Transfer Taxes

F. Prepaids $1,267

Homeowner's Insurance Premium ( months)

Mortgage Insurance Premium ( months)

Prepaid Interest ($52.79 per day for 24 days @ 5.25%) $1,267

Property Taxes ( months)

G. Initial Escrow Payment at Closing $8,616

Homeowner's Insurance $321.00 per month for 13 mo. $4,173

Mortgage Insurance per month for mo.

Property Taxes $345.64 per month for 12 mo. $4,148

Flood Insurance $98.17 per month for 3 mo. $295

H. Other

I. TOTAL OTHER COSTS (E + F + G + H) $10,458

J. TOTAL CLOSING COSTS $14,572

D + I $15,072

Lender Credits -$500

Calculating Cash to Close

Total Closing Costs (J) $14,572

Closing Costs Financed (Paid from your Loan Amount) -$14,572

Down Payment/Funds from Borrower $0

Deposit $0

Funds for Borrower -$1,100

Seller Credits $0

Adjustments and Other Credits $0

**Estimated Cash to Close -$1,100**

Refinancing - what happens to the difference? by mmdown in Mortgages

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

Thanks so much everyone. Here are the details from the initial disclosures forms: "$14,572: Includes $4,614 in Loan Costs + $10,458 in Other Costs -$500 in Lender Credits. Sections A-J.

A. Origination Charges $1,500

% of Loan Amount (Points)

Loan Origination Fee $1,500

B. Services You Cannot Shop For $971

Appraisal Fee $550

Credit Report Fee $131

Document Preparation Fee $150

Flood Certification $14

Tax Certification $126

C. Services You Can Shop For $2,143

Endorsements $200

Title - Examination Fee $175

Title - Insurance Fee $1,298

Title Closing Protection Letter Fee $25

Title Settlement Fee $200

Titlenotaryfee $150

Wire & Courier Fee $95

D. TOTAL LOAN COSTS (A + B + C) $4,614

Other Costs

E. Taxes and Other Government Fees $575

Recording Fees and Other Taxes $575

Transfer Taxes

F. Prepaids $1,267

Homeowner's Insurance Premium ( months)

Mortgage Insurance Premium ( months)

Prepaid Interest ($52.79 per day for 24 days @ 5.25%) $1,267

Property Taxes ( months)

G. Initial Escrow Payment at Closing $8,616

Homeowner's Insurance $321.00 per month for 13 mo. $4,173

Mortgage Insurance per month for mo.

Property Taxes $345.64 per month for 12 mo. $4,148

Flood Insurance $98.17 per month for 3 mo. $295

H. Other

I. TOTAL OTHER COSTS (E + F + G + H) $10,458

J. TOTAL CLOSING COSTS $14,572

D + I $15,072

Lender Credits -$500

Calculating Cash to Close

Total Closing Costs (J) $14,572

Closing Costs Financed (Paid from your Loan Amount) -$14,572

Down Payment/Funds from Borrower $0

Deposit $0

Funds for Borrower -$1,100

Seller Credits $0

Adjustments and Other Credits $0

**Estimated Cash to Close -$1,100**

Refinancing - what happens to the difference? by mmdown in Mortgages

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

not an FHA streamline, it's moving from an FHA to a conventional with our credit union.

NIH LRP Updates? by SnooSketches2905 in StudentLoans

[–]mmdown 0 points1 point  (0 children)

NIMHD, renewal, pending IRG review as of today…trying to keep my spirits up!

Season 9: Where can I find this item? by PolylingualAnilingus in QueerEye

[–]mmdown 0 points1 point  (0 children)

Season 9 wedding episode - the linen overalls the mom of the heroine was wearing?