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Apr 14, 2021
8:57
:46
am
Plato
Truly Addicted User
If you enjoy a near negative return on your money.
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Plato
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Plato
Joined
Mar 21, 2017
Last login
May 1, 2024
Total posts
19,836 (473 FO)
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Messages
Author
Time
Refinance question.
brazilcoug
4/14/21 7:39am
You don’t have to refi to pay your house off faster
TwinsRight
4/14/21 7:45am
The nice thing about not refinancing is that it gives you flexibility.
byujacob
4/14/21 7:46am
If you were as successful as me
CocaColaRecovery
4/14/21 7:47am
Invest the $$$
Plato
4/14/21 7:48am
paying off you home is an investment
MormonThug
4/14/21 8:53am
If you enjoy a near negative return on your money.
Plato
4/14/21 8:57am
math is on your side if you're disciplined. Almost nobody is.
MormonThug
4/14/21 9:06am
What everyone discounts in these scenarios is risk. Also, paying extra on his
PCCoug
4/14/21 12:54pm
If your interest rate is low, you can look at an amortization table (I use the
DwigtA2RM
4/14/21 7:52am
It depends on your interest rate
PCCoug
4/14/21 7:59am
Interest rate would go from like 3% to 2.2%. If I just kept the 30-year but paid
brazilcoug
4/14/21 8:08am
There are a lot of re fiannce comparing sites out there. You plug in the numbers
kotacoug
4/14/21 8:10am
Kotacoug. Did the book arrive? I would just make additional principal payments.
grandpacoug
4/14/21 8:18am
Not yet. I’ll check today 👍🏻
kotacoug
4/14/21 8:43am
RE: Interest rate wild go from like 3% to 2.2%. If I just kept the 30-year but paid
BYUtiful
4/14/21 8:11am
<< Deleted >>
cvd6262
4/14/21 8:11am
It was more common to do what you're thinking years ago. It's less common now and the main reason is that today
HarlemCoug
4/14/21 8:22am
A great, well thought out post in my humble opinion!! 100% agree.
grandpacoug
4/14/21 8:25am
I'm getting ready to pull the trigger on a 15 year mortgage. Rate difference is
LaserCoug
4/14/21 8:29am
I just did the same. So many people fool themselves into thinking they'll save
MormonThug
4/14/21 8:59am
What is your goal?
CBaass
4/14/21 9:57am
It makes sense if you really want to pay it off in 15 eyars and you can do it cheaper on a 15 year note than just paying
molodyets
4/14/21 10:00am
You will lose some flexibility. Option to pay extra amounts some months is nice.
grandpacoug
4/14/21 10:06am
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