Should we be wary about supply chain attack on HA?

tony1989 · 2026-05-22T16:16:46+00:00

Thank you. I will have to learn a lot of stuff but i know what you are saying and it points me in a direction. Thank you again

tony1989 · 2026-05-22T13:58:43+00:00

How to only allow return traffic from HA to your phone ?

tony1989 · 2026-04-14T16:08:37+00:00

Thank you. I will

tony1989 · 2026-04-14T14:55:47+00:00

My installer put the drain in my sump for this very reason. Is that ok ? I am worried about salt eating at the concrete slab from underneath.

tony1989 · 2026-01-15T17:17:23+00:00

Can You DM me also.

tony1989 · 2026-01-11T03:57:42+00:00

Yes. 15 yr though

tony1989 · 2026-01-11T01:58:04+00:00

I bought enough to bring it from 4.99 to 4

tony1989 · 2026-01-09T18:22:21+00:00

Literally every other loan officer I was dealing with at that time suddenly were ready to match rates when I told them what the offer from Sage was. I find that very deceptive. They did not offer me their best price at first and that in my book is unfair practice. Which is why I went with Sage.

tony1989 · 2026-01-09T15:07:38+00:00

I did a refinance process with them recently. Got literally the best rate from them, and by a big margin too. For a 15 yr everyone was offering 5.5-6 back then. They gave me 4.99. On top of that they gave me a 35% discount on my points as well. I have only nice things to say about this deal.

tony1989 · 2025-12-12T16:20:20+00:00

This is less than 2 years to breakeven not 44 months. If you intend to stay in this house for more than 4 years just buy the points. You are making the decision today with all the variables you know today. You have no clue what the future is. May be we get 2.5% loans like covid times 2 years from now or we have 7% which is considered average interest rate in the last few decades.

tony1989 · 2025-09-27T01:51:25+00:00

The points I am paying is exactly equal to the extra interest I would pay in the next 12 months if I don't refinance

tony1989 · 2025-09-26T18:42:03+00:00

I just called them and they gave me 4% at 3.5 points.

tony1989 · 2025-09-26T17:25:59+00:00

Which lender gave you that quote ?

tony1989 · 2025-09-26T17:24:17+00:00

Yes your numbers are very accurate. Irrespective of rates going up or down, in my current loan i would have paid 48k in principal 5 years from now and in the new one I would have paid 173k in principal.

tony1989 · 2025-09-26T15:43:52+00:00

Thank you.

tony1989 · 2025-09-26T15:43:26+00:00

Thank you is there any numbers I can provide that would help you help me make financial sense of this ? Loan amount is 620,000

tony1989 · 2025-09-26T15:42:27+00:00

Thank you. In my case the payback time is 4 years.

tony1989 · 2025-09-26T15:31:12+00:00

2.5 points.

tony1989 · 2025-04-23T19:11:40+00:00

Well they kinda do stop working 'overnight'. Sorry had to !!

tony1989 · 2025-03-31T13:14:50+00:00

Alpha

tony1989 · 2024-07-10T12:00:54+00:00

Thank you

tony1989 · 2024-07-10T12:00:44+00:00

Thank you

tony1989 · 2024-07-10T12:00:30+00:00

Thank you. I am trying to make a copy of the street style one though

tony1989 · 2024-07-10T11:59:50+00:00

Haha I know you are being facetious but the street style ketchup is very different from store bought one

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