OT: Home Refinancing Done! Part 3

Done and Done! 

House is done and refinanced, got my new mortgage rate locked in! Oh it feels so good knowing how much this refinancing will save. Time well spent and more money in my pocket. Thank you nice bank lady. 

Also had a little adventure last night too. Been using my Dad's washer and dryer at my house. I currently borrowed them from our storage unit and he's been bugging me to get in that unit for months to get his wash/dryer into his house, since it's finally ready. I keep putting him off saying, I can't find the key to the unit. Well last yesterday afternoon he calls and says they storage unit just needs my signature cause there going to cut the lock off! But they can't cut the lock until I sign. So well I grabbed my buddy we loaded up those washer and dryer got them down to the storage unit, I threw some dirt and boxes on them to make it look like they been there a while and we hauled ass out of there! No one none the wiser :)

I got a new set I'm buying dirt cheap off a buddy so I'm set there. I just don't want to have to listen to my old man about his washer and dryer I been putting him off for months about the key to the storage unit and dug myself into a hole. So I had to do the whole secret ops mission. haha

OT: Refinancing my house PART 2

Well while working on getting my house refinanced I am starting to feel like this guy. Well almost. My desk is cluttered with many other things I need to get done for my house. I got most of the info I needed from my bank. The interests rate are just to good to pass up being at 4.99% After talking with my nice Bank Lady, at a different bank, it looks like I may save about $75 a month on my home loan! Oh they things I can use this on.

My wife has been dying for a new dryer. So maybe in a couple months we can start looking at a new dryer for the house.

Only bad thing I have to repay the closing costs, but they just tack that on to the home loan so it's nothing extra I have to pay out of pocket. Only the refiling of my MCC bond which grants me a tax credit on my home laon for the first $40,000 of the loan.

It's been a pretty painless process so if you own a house I would at least suggest calling your bank to check the current interest rates, who knows you may save some money!

OT: Refinancing my house PART 1

 

A little off topic here, but I am sure every home owner out there can relate. Well my wife has been bugging me to get refinanced on our house. The interest rates are pretty low right now so now is the time. I calle dhte bank this morning and they had a rate of 4.99% so it better than what I am currently at sitting at 6.25% nota  ton but still better than nothing. So I'm in the process of getting this going. Gotta get all my info together, Payoff date, Insurance, when it was opened all that fun stuff. But when it's all said and done should be able to save a few dollars which goes a long way for anybody.

If you think about refinancing your home don't wait jump on it now! The rates are probably as low as they will ever get. Refinancing can be a tedious process but it will be worth it when you talking about saving some good money.