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19h ago
inAppreciation post: the EDD phone rep in Fresno who actually fixed my claim
Surprise notice, yeah. But they don't always find their own mistake.
4d ago
inI swore I'd never do a cash out refi, then my roofer quoted me $19,400
That "closing cost is the only real gotcha" line is close but it's not the only thing. The big one you're not thinking about is that you're resetting your whole loan term, so even if the payment only goes up $210, you just added years of interest back onto whatever you already paid down. Run your payoff date now versus after the refi, because that gap can quietly cost more than the roofer quote. Also check if you're anywhere near 20% equity, since a cash out can push you into PMI you weren't paying before. And shop the title and appraisal fees hard, those are the ones that move around the most between lenders. If your break even on the closing costs is under two years and the roof is a real need, not a want, then the math you did is solid.
1mo ago
inMy grandmas pie crust trick finally worked after 6 tries
Try it next time with cheap whiskey instead. Heard the same tip from my uncle and it worked even better. Grandma knew what she was talking about for sure.