Who's the financial expert?

Dutch · 01-31-2005, 11:14 AM

Quote:

Originally Posted by PeanutButterAndJelly

Have you tried Ditech? They have catchy commercials.

hmmm...

Are they the ones with the gecko

Dutch · 01-31-2005, 11:18 AM

just checked ditech. They are higher rates and more expensive costs at closing.

missnic · 01-31-2005, 11:19 AM

Again.. go to a local broker. You can do a 80/15 with no PMI in most cases. You could do an 80/20 with no PMI if you really wanted to. Rate on the second will be higher, but if its worth it for no PMI...

Make extra extra certain that those rates are without prepayment penalties.

You could always cut down on your SJ fixes for awhile, save up a bit of money. Sell bodily fluids, etc.

Dutch · 01-31-2005, 11:25 AM

>Again.. go to a local broker. You can do a 80/15 with no PMI in most cases. You could do an 80/20 with no PMI if you really wanted to. Rate on the second will be higher, but if its worth it for no PMI...

Yeah, with this there is no PMI.... For the first year, my house payments will be higher (hurry and try to get the total 20% down paid) but after that, the house payments will be really affordable.

>Make extra extra certain that those rates are without prepayment penalties.

Yeah, the fixed is, but the smaller loan has one, but the broker said to just leave it open with no principle and there will be no charges whatsoever.

>You could always cut down on your SJ fixes for awhile, save up a bit of money.

Please girl. I'll bend, but you push me too far.

>Sell bodily fluids, etc.

You are assuming I don't already. I found out already that you can live with one kidney, but the second is neccessary:(

starpilot · 01-31-2005, 12:55 PM

You can get by on one testicle.

:badgrin: :badgrin: :badgrin:

01-31-2005, 11:19 AM	#23
missnic 2K Join Date: Dec 2004 Location: Tallahassee, FL Posts: 2,241	Again.. go to a local broker. You can do a 80/15 with no PMI in most cases. You could do an 80/20 with no PMI if you really wanted to. Rate on the second will be higher, but if its worth it for no PMI... Make extra extra certain that those rates are without prepayment penalties. You could always cut down on your SJ fixes for awhile, save up a bit of money. Sell bodily fluids, etc. __________________ Don't let your mind wander. It's too small to be all alone.

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01-31-2005, 11:18 AM	#22
Dutch Houston Texan Join Date: Oct 2004 Location: On Vacation Age: 27 Posts: 2,946	just checked ditech. They are higher rates and more expensive costs at closing.

01-31-2005, 11:25 AM	#24
Dutch Houston Texan Join Date: Oct 2004 Location: On Vacation Age: 27 Posts: 2,946	>Again.. go to a local broker. You can do a 80/15 with no PMI in most cases. You could do an 80/20 with no PMI if you really wanted to. Rate on the second will be higher, but if its worth it for no PMI... Yeah, with this there is no PMI.... For the first year, my house payments will be higher (hurry and try to get the total 20% down paid) but after that, the house payments will be really affordable. >Make extra extra certain that those rates are without prepayment penalties. Yeah, the fixed is, but the smaller loan has one, but the broker said to just leave it open with no principle and there will be no charges whatsoever. >You could always cut down on your SJ fixes for awhile, save up a bit of money. Please girl. I'll bend, but you push me too far. >Sell bodily fluids, etc. You are assuming I don't already. I found out already that you can live with one kidney, but the second is neccessary:(

01-31-2005, 12:55 PM	#25
starpilot Master Of Jokes Join Date: Dec 2004 Location: Ohio Posts: 933	You can get by on one testicle. :badgrin: :badgrin: :badgrin:

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