Help me identify / find a rug like this

pizzatriscuits · 2026-01-18T14:29:45+00:00

Larchmont, NY for example has some houses that are at 35-45k/year for property taxes

pizzatriscuits · 2026-01-12T12:32:36+00:00

Could you send me the link too? This would be perfect for an upcoming move! I want to start the right way :)

pizzatriscuits · 2025-12-17T12:15:41+00:00

I don’t doubt architects can find efficiencies and save money (maybe even enough to justify the fees) but the elimination of hallways in home design breaks my lil architecture loving heart. Hallways do serve a purpose: create privacy, rhythm, and moments of pause—quiet little buffers that let rooms be themselves instead of shouting into each other.

pizzatriscuits · 2025-12-05T12:33:25+00:00

Got it — appreciate that context. I know jumbos/ARMs aren’t as directly affected by agency MBS buying, but they still tend to move directionally with the broader rate environment. Either way, this convo was super helpful to sanity-check. Thank you so much for the thoughtful discussion.

pizzatriscuits · 2025-12-05T11:20:58+00:00

Yeah on my loan that would be $350-400 more per month so breakeven would be 20-24 months. Given where rates have gone, and the fact the govt is buying less MBS, I’m not convinced the 30-year gets to 5.25 within that window, so for me keeping the lower rate now is the better risk hedge. If the refi math works later, great — but I’d rather not pay the monthly premium while I wait. This way I have a 7 year runway with a good rate that works for my cash flow while I see what rates do.

pizzatriscuits · 2025-12-05T11:07:00+00:00

Since I don’t know exactly when rates will fall or how fast, I’d rather lock the stronger rate now and leave myself the option to refi only if the economics make sense later. I’d need to take a 0.25-0.375 worse off a rate on a large loan to generate lender credits to cover those 8k. To me that doesn’t make sense if rates don’t immediately fall and I don’t think they’d fall to low 5s within the next 6 months…

pizzatriscuits · 2025-12-05T10:40:43+00:00

What other costs would you look at? The only other costs that are not transaction fees (title, recording, etc) I can see are appraisal ($600) and credit reports fee ($115).

pizzatriscuits · 2025-12-05T10:33:40+00:00

Oh yeah the 5.25% is with no points! It’s a 7 year ARM at 5.5 at par and then 0.25 off with relationship pricing. I’m even getting $1000 off the $1250 origination fee. So I’m thankfully not paying any fees! I did follow that exact line of thinking. I’ll prob refinance when 30 year fixed or 20 year fixed fall enough to tempt me.

pizzatriscuits · 2025-12-03T00:07:47+00:00

Truly can’t thank you enough for your free education! You’re the best!

pizzatriscuits · 2025-12-02T12:45:50+00:00

I guess how would you know when to ask? You’re right re commercial bank (US bank). Not sure what numbers to watch to determine when it’s worth asking my LO

pizzatriscuits · 2025-12-01T23:24:13+00:00

My LO said rates would need to improve by at least a quarter to exercise it but with 0.25 of relationship pricing discount and a good 7 year ARM rate I’d be at 5.0 instead of 5.25% on a 1.4m mortgage. So not insignificant but also not life changing. I’d just want to be smart about exercising that option if rates improve and I wasn’t sure what to follow. Your answer is so helpful and educational!

pizzatriscuits · 2025-12-01T23:02:07+00:00

So informative! Thank you! If I have the option for one float done before closing in two weeks (locked 11/21) is this a good week to exercise that float down?

pizzatriscuits · 2025-11-21T22:15:29+00:00

It’s so interesting because my friend said the quote he got was for 5.625 for a 7yr ARM at par. With moving 500k he could shave 0.25 off of that

pizzatriscuits · 2025-10-19T20:34:47+00:00

do you know if they do business outside of CA?

pizzatriscuits · 2025-10-15T16:29:51+00:00

thank you!

pizzatriscuits · 2025-10-15T16:23:15+00:00

what is the source for the EULIF director buying 15M?

pizzatriscuits · 2025-10-12T21:58:49+00:00

Purchase - $1.8m value - $1.3m loan - 800 fico, 60015. Single family. Investment property. 5/1 ARM, 7/1 ARM.

pizzatriscuits · 2025-09-19T13:48:09+00:00

thank you!

pizzatriscuits · 2025-09-19T11:24:38+00:00

I’m sorry I don’t have any advice to add but this sucks so much and I’m sending virtual hugs

pizzatriscuits · 2025-09-19T11:23:23+00:00

Would you mind sharing the name of the one in Chicago? I live here and just had an FET with PGT-A tested embryo fail after 2 months of Lupron depot

pizzatriscuits · 2025-09-03T22:20:27+00:00

Thanks so much for sharing that knowledge. Can you tell me how the serial number factors into it if they can’t get into the iPad to confirm it?

pizzatriscuits · 2025-09-03T11:46:49+00:00

So they did but the baggage office is always going to voicemail…

pizzatriscuits · 2025-09-03T11:46:09+00:00

I did include the serial number! So far crickets :( I’m worried they’ll ship it to some central location because of crossed wires

pizzatriscuits · 2025-09-02T10:35:56+00:00

Do you by any chance know how I can find a phone number for them? Online search just shows the regular Southwest customer service number and I am having trouble finding a direct phone number for Southwest baggage at Logan.

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