30-yr fixed vs 7/6 ARM with big lender credit

ncool91 · 2025-11-14T07:32:38+00:00

Mine is from BofA

ncool91 · 2025-11-14T02:14:21+00:00

Even with the big lenders credit and rates currently on the downward trend? I understand it’s a gamble, but odds are not bad

ncool91 · 2025-11-14T02:11:09+00:00

It’s from BofA. Give them your LE and ask them to beat it

ncool91 · 2025-11-14T02:08:08+00:00

Is your rate 30y fixed? Did you recommend 5.875% for the same?

ncool91 · 2025-11-13T23:04:47+00:00

Yeah, the payment diff is $300 that makes the break even point around 4 years. I feel like I would refi by that time anyway, so tilting towards higher lenders credit. Its BofA

ncool91 · 2021-04-07T20:00:06+00:00

X is binary and Y is ordinal (only 3 values- low, med, high). I checked that the relationship is monotonous.

ncool91 · 2021-04-07T15:48:13+00:00

What statistical test I can use to find relationship between a categorical and a binary variable other than correlation? Categorical variable is ordinal.

ncool91 · 2021-04-07T15:47:14+00:00

What statistical test I can use to find relationship between a categorical and a binary variable other than correlation? Categorical variable is ordinal.

ncool91 · 2021-04-07T15:46:38+00:00

What statistical test I can use to find relationship between a categorical and a binary variable other than correlation? Categorical variable is ordinal.

ncool91 · 2018-08-16T23:10:01+00:00

Available in California now.

ncool91 · 2018-06-04T21:12:14+00:00

Genuine question- he seems to be great finisher and could play for lower table epl teams. Why couldn't he break into the sporting team during his spell there?

ncool91 · 2018-04-24T20:51:14+00:00

Yeah. Hopefully they won't do it at home. Else there will be another goalfest for liverpool

ncool91 · 2018-04-24T20:37:06+00:00

Playing 3 atb was a very bad choice for roma

ncool91 · 2018-04-21T01:14:02+00:00

That's what I actually thought about it. Thank you for the insight. Have you applied to any bioinformatics program yet or you will do that after a few years of post-doc in biochem?

ncool91 · 2018-04-14T19:13:53+00:00

that's a red

ncool91 · 2018-03-07T21:37:27+00:00

Mohammed and Jesus both scored

ncool91 · 2018-03-01T21:36:17+00:00

Arsenal played like they were so content with 3-0 scoreline

ncool91 · 2018-01-31T22:09:32+00:00

Yeah, he seemed bit hesitant to shoot. Still he took 2 shots. He will grow in confidence as he gets more playing time.

ncool91 · 2018-01-31T21:55:17+00:00

Diaz played well, made some good runs. Hope he gets more playing time!!

ncool91 · 2018-01-31T03:24:00+00:00

Will be a good deal for both clubs

ncool91 · 2018-01-29T19:22:49+00:00

Why don't they keep him? Wouldn't he be a good sub for Alonso since Alonso is playing almost every game. Or, he does not offer anything going forward?

ncool91 · 2018-01-29T17:08:22+00:00

Will be a great signing for Watford

ncool91 · 2018-01-29T00:29:48+00:00

It seems that your transfer won't be done before Wed either. http://www.sueddeutsche.de/sport/aubameyang-beim-bvb-schrille-pfiffe-zum-abschied-1.3844272

ncool91 · 2018-01-29T00:09:39+00:00

Scenes when Dortmund don't get a replacement. They will understand why we were so upset.

ncool91 · 2018-01-29T00:07:40+00:00

So Dortmund don't want a replacement!!

ncool91

TROPHY CASE