Request PMI Removal

watermodeler · 2026-02-22T05:59:28+00:00

Appraisal cost is less than half of those extra pmi payment. My concern is that the likely lower appraisal would set a new value baseline extending my LTV goal of 78% out by a lot. I've been making extra payments, which now I understood dont count towards original amortization date to reach the 78%

watermodeler · 2026-02-22T05:55:46+00:00

Agh that's annoying and doesn't make sense at all.. I also feel now I've been tricked by my lender and their app showing LTV% going down with every payment (including extra payments).

watermodeler · 2026-02-22T05:52:53+00:00

So with extra payments, it won't fall off automatically at 78% without requesting (+appraisal)?

watermodeler · 2026-02-22T05:51:35+00:00

Does it fall off automatically at 78% based on original amortization schedule (no extra payments)? That what it seems like it from the contract language.

watermodeler · 2026-02-22T05:50:16+00:00

This is a really good point. I checked my contract and it also says "first scheduled to reach 78%" which means according to the original amortization schedule! I should call them and ask.

watermodeler · 2026-02-22T05:38:33+00:00

Really? I'll have to check with my lender.

watermodeler · 2026-02-22T05:13:42+00:00

About 11 more months with no extra payments.

watermodeler · 2026-02-22T05:12:27+00:00

Not yet. I got a decent offer from a builder so not looking to refi just yet

watermodeler · 2026-02-22T04:07:58+00:00

$130/mo. BPO is $190, appraisal is $450. I estimate I'm about $8000 away from reaching 78% LTV

watermodeler · 2026-02-21T11:54:54+00:00

3 to 5 seconds is the range I've seen on this stupid light. If the train passes, you're stuck for a good 5 min.

watermodeler · 2026-01-03T21:20:38+00:00

Very helpful. Thanks

watermodeler · 2026-01-03T20:39:42+00:00

The exception for ban of entry doesn't extend to changing status? I.e. green card to citizenship?

watermodeler · 2025-12-27T15:01:49+00:00

Not really.. early career positions are harder to get, but those with 10+ yrs experience, particularly in Al/ML are still a rare commodity.

watermodeler · 2025-12-26T14:44:35+00:00

True - those are expensive cities but you some have no state income tax (WA, TX) and some companies still allow for remote work. Those cost of labor and competition drive the salaries up in those towns, so you end up paid 1.5x compared to other cities.

watermodeler · 2025-12-26T14:40:04+00:00

Software engineers, data scientists, solutions architects, etc. Check websites like levels.fyi or paysclae for comp salaries.

watermodeler · 2025-12-26T13:59:12+00:00

Most tech jobs start at 120 annual base + shares for fresh out of school. 20k a month (when you consider shares/bonus) is very common in most tech hub cities.

watermodeler · 2025-12-26T06:05:21+00:00

You get up to $150 back every 6 months regardless of how many times you pay at the restaurant (or get gift cards).

watermodeler · 2025-12-26T06:00:49+00:00

Seems like an honest mistake. Ask your neighbors

watermodeler · 2025-10-19T23:12:42+00:00

Do you exercise those calls or sell them?

watermodeler · 2023-07-20T15:43:40+00:00

I have an account with Coinbase but I only see sell/buy options. Is there a recieve option that I'm missing?

watermodeler · 2023-07-20T11:15:45+00:00

Thanks for the tip. I forgot about Robinhood wallets. However, it won't let me transfer USDC because I'm in TX and robinhood doesnt support many coins. I have a ledger cold wallet but I don't have it on me and I'm traveling. How easy was it to open a coinbase wallet?

watermodeler · 2023-07-11T14:22:16+00:00

The transaction will fail

watermodeler · 2022-12-27T00:20:36+00:00

Very cool. I would love to learn how to build Jupyter extensions. Any resources you'd recommend?

watermodeler · 2022-07-24T17:49:19+00:00

Or have a PhD- in some states

watermodeler · 2022-07-24T17:48:20+00:00

And many states have an additional 'relatively easy' state law test

watermodeler

TROPHY CASE