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Talking Mortgages...

Coach PatrickCoach Patrick
in Community Forum 🏠

Who out there in EN-land is an expert? I have some questions as a self-employed doode and am looking for someone to chat with...happy to do here or on the phone. Will even wear pink speedo on video chat if requested...let me know here or PM, thanks!

P

Comments

  • rah2774rah2774

    no expert... are you looking to re-finance (I did recently)?  What I do know is that you don't want to get stuck with PMI, so if you have to put money down, do it (that might also lock you in to a lower rate).  And, depending on how long you plan to stay in the place, taking a half point or a point may not be a bad thing (points might get you a lower rate) - you'd have to do the math to see if it works out to your advantage...  Rates are super good now, which is nice but from what I learned, you have to have rockstar credit, etc (luckily I do) and there are lots more hoops to jump through in the process than when I bought my condo way back when... when I bought the condo I got a house buying for dummies type book (maybe "what every first time home buyer should know" or something like that) that talked about financing/mortgages - it helped me learn the lingo and at least be able to ask the right questions... and I mostly understood the answers.  not sure if this is where you were heading... good luck...

  • phaedrusphaedrus
    one of my partners has a brother that owns a mortgage brokerage. I've used him to refi a couple times over the past two years. They have always done this at no cost to me, and same deal for anyone I referred (they make enough commission from the lending institution that they don't need to be charging fees to the borrower as well). When rates are falling, the refi decision is a no brainer if you can find an option that truly is zero cost to you (there are sometimes cash flow timing considerations such as putting cash in to reestablish an escrow account while you wait for a refund of your old escrow account, but the net cash outflow for the refi after the timing issues clear is zero.

    The firm is Aspen Mortgage and the person I would refer you to is Jim Campbel. I don't have contact information handy right now, but both you and he are in my Linkedin connections so ping me there and I can make the connection.
  • Coach PatrickCoach Patrick
    Team, you guys (once again) totally rock. Two replies, 5 PMs and two phone calls later (!!!!) I am all set. We are (Shhhhhh!) thinking of moving and am just trying to figure out how to line up all the ducks, etc....I really appreciate your help on all of this. image
  • kurshingkurshing
    P - I am a financial planner and would be happy to chat with you for a few minutes if you'd like. No biggie...at this point I probably owe you guys still!

    Let me know.
  • Mike HedmanMike Hedman
    Posted By Patrick McCrann on 23 Oct 2010 05:16 AM

    Team, you guys (once again) totally rock. Two replies, 5 PMs and two phone calls later (!!!!) I am all set. We are (Shhhhhh!) thinking of moving and am just trying to figure out how to line up all the ducks, etc....I really appreciate your help on all of this.

    Patrick, it'll be great having you as part of the EN Nor Cal Sleeper Cell!!  Can't wait till you get here!!

    I figured I'd get the rumors flying!

    m



     

  • Carrie ChavezCarrie Chavez
    Very nice Mike H!! He and Maura and the girls will fit in perfectly!!
  • Coach PatrickCoach Patrick
    @Stephen, thanks, I'll PM you...

    @NorCal...you guys are baaaaad! image
  • aimeefabaimeefab

    Wow, and I was just looking at "617" shirts for you too (they are on sale)...hopefully you will still be able to represent

  • Paul HoughPaul Hough
    I think you need to move to Florida! There's not enough EN representation in the Southeast even though Peninsular Florida is the only state (or fraction) that is it's own USAT region! You have an undertapped market down here.
  • Tom GlynnTom Glynn
    I'm with Mike and Carrie! Welcoming committe is in full swing!
  • Mike HedmanMike Hedman
    Ha! P almost had all you fooled! When he was in the "hospital" he was actually in the real estate office near Tom, John, and Carrie's house. All that "physical therapy" time? He was house hunting!! When his wife flew out to "help him on the plane"...she was signing papers.

    We're all so excited!image

    Mike
  • chris malonechris malone
    Don't do it P!! Those people are WAAAY too happy out there. Look at Strauss. Even he's happy. You need the northeast cynicism to keep you balanced.
  • Gordon CherwoniakGordon Cherwoniak

    If you want to enjoy more winter and time on the trainer come to Canada particularly Saskatchewan.   We've already had our first snow and weather warning due to blowing snow. 

    Gordon

  • Coach PatrickCoach Patrick
    Welcome to the Coach P Relocation Access Program. For only $1000/yr I will give you the opportunity to vote on where we move. I won't listen to you or take your input into account. But I will take your money. image
  • Scott AlexanderScott Alexander
    Posted By Patrick McCrann on 28 Oct 2010 07:38 AM

    Welcome to the Coach P Relocation Access Program. For only $1000/yr I will give you the opportunity to vote on where we move. I won't listen to you or take your input into account. But I will take your money.

    Do I get a DVD of where you lived LAST year?



     

  • Steven FordSteven Ford
    Posted By Scott Alexander on 28 Oct 2010 10:01 AM
    Posted By Patrick McCrann on 28 Oct 2010 07:38 AM

    Welcome to the Coach P Relocation Access Program. For only $1000/yr I will give you the opportunity to vote on where we move. I won't listen to you or take your input into account. But I will take your money.

    Do I get a DVD of where you lived LAST year?



     

    And a membership card



     

  • chris malonechris malone

    http://www.youtube....ram> name="allowFullScreen" value="true">http://www.youtube.com/v/x4o-TeMHys...p;hl=en_US" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="385">
  • kurshingkurshing
    That is one of the funniest things!
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