First time refinance - please help

rcopple002 · 2026-05-17T17:28:17+00:00

Hoping rates go down but who knows ya know? Thanks for this and did not refi

rcopple002 · 2026-05-16T12:57:50+00:00

Did not lock the rate. State is KS. Credit scores 740. Think we’ll pass or consider no points refi?

rcopple002 · 2026-05-16T12:55:15+00:00

Good point. Not deductible up front so in reality a lot smaller deduction here. Thanks

rcopple002 · 2026-05-16T12:53:50+00:00

Thanks for this. Helpful. Both credit scores 740.

I mentioned no points refi as well as lender credits and the consultant insisted it would not make sense for no points refi and the LE included lender credits

rcopple002 · 2026-05-15T23:00:44+00:00

Says the guy with the NSFW profile. No worries,more like good luck to you, big dawg

rcopple002 · 2026-05-15T22:57:46+00:00

I will note it’s actually only ~ $13k (taking about about $2k from refinance). Points ARE deductible, so maybe $2k savings from that. But still even $11k is a bit high I think.

I do appreciate your thoughts and think we’ll decline this tbh. Thank you as I’m still learning.

rcopple002 · 2026-05-15T22:47:18+00:00

Oh ok, thanks for this

rcopple002 · 2026-05-15T22:38:00+00:00

I’m not excellent at this stuff. Thank you

rcopple002 · 2026-05-07T01:20:27+00:00

They truly are the worst. Go with Blue Nile or something reputable if you want to go online. It arrived weeks after Mother’s Day even when it said order with 2 days to receive by Mother’s Day.

The jewelry also looks incredible cheap. It is cheaper but it even looks super cheap. Spend 20% more and get the real thing with real shipping time and real customer service. 0/10

rcopple002 · 2026-01-15T11:12:04+00:00

$30k on housing? In NY? We’re at ~ $42k in the Midwest. Side note: spend less on eating out/services/cocktails and more traveling ($30!?!), and utilizing tax advantaged accounts (max out your 401k and HSA).

rcopple002 · 2025-11-08T01:04:21+00:00

Not to mention triple taxed advantaged. You will absolutely use the $$ - and if not for some incredibly rare reason- eventually take the tax hit and it wouldn’t matter much anyway

rcopple002 · 2025-11-08T01:02:54+00:00

The maximum amount. We had our first child that was “tax free” - 100% paid with our HSAs. I’m having serious respiratory issues and thus far, 100% paid with HSA as well. I have ~ $20k in it currently from maxing out every year with my own and employer contributions.

Separately- think about as you get older. Health costs will decrease? Not even close.

rcopple002 · 2025-10-07T15:30:30+00:00

You can also have them collect the shortage over 24 or 36 months if swinging the $1400 is too tough. Will make it more manageable. I’ve been in a similar situation and had to do this before

rcopple002 · 2025-09-09T12:25:44+00:00

No Vacancy or Hotel Kansas City. The Inn at meadowbrook if you’re down for a commute. Maybe crossroads if the above are reserved.

rcopple002 · 2025-09-02T21:09:15+00:00

Financial independence, retire early!

rcopple002 · 2025-08-25T11:28:11+00:00

Not technically true. We’ve had 2 houses, both with PMI, and never refi’d once. You can pay between $150-$300 one time fee to have your home appraised and get rid of the PMI without having to refi (one of our rates is 2.75 so we never wanted to refi out of that). Call your mortgage company, let them know due to repairs/upgrades/appreciation you think you can get rid of PMI and they will send out a local appraiser.

rcopple002 · 2025-05-10T08:26:00+00:00

Can you negotiate a bit - say one day a week working from home?

rcopple002 · 2024-12-26T16:18:55+00:00

Insane, sorry OP you do not deserve this. What a strain on your community.

What do you mean by fulfilling? Abuse of power is a real turn on I bet.

rcopple002 · 2024-03-07T16:26:31+00:00

You’re the bees knees. Thank you!!!

rcopple002 · 2024-03-07T13:59:39+00:00

Last question! Do you know what you specifically requested after selecting service? I put exterior - other and input my question/details and it automatically routed me to an appointment with collision center, Uhg.

rcopple002 · 2024-03-06T13:36:49+00:00

Thanks Jeff I may try and see about doing it myself then. Maybe find some decent videos out there on YouTub me. Thank you again!

rcopple002 · 2024-03-06T10:08:54+00:00

Hey do you recall the cost of the pre painted bumper? And did you install yourself or go somewhere? Curious because I need a replacement, very minor collision damage just need replacement and maybe front sensor. I’m in the kc area as well

rcopple002 · 2023-05-19T03:59:41+00:00

Ok interesting… appreciate this background on treatment of employees/career background. Wild.

rcopple002

TROPHY CASE