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Mortgage Refinancing??

TN94z

By TN94z
in The Grill Room

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Note: This thread is 5610 days old. We appreciate that you found this thread instead of starting a new one, but if you plan to post here please make sure it's still relevant. If not, please start a new topic. Thank you!

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double_j Dedicated Member

double_j

Posted
Posted
It's easy enough to figure out if the cost of refinancing would be worth it...

Shop around for new mortgages. Find out what kind of rates you'll be offered and what the monthly payments will be.

Calculate how much you'll save on the payments vs. your current loan over the life of the mortgage. Ignoring the time value of money, that savings amount should, at the very least, be substantially higher than the amount it'll cost you to close on the new loan.

An even simpler way is just to figure out how much you'll pay in total for the remainder of your current loan vs. how much you'll pay (including closing costs, etc.) over the life of the new one. If new is lower than old by a large enough amount for it to be worth your time, go ahead and do it. If not, either don't do it or keep shopping for a better rate.

ks8829 Great Member

ks8829

Posted
Posted
When a propety does not sell, it's always that the asking price is too high. What we have been doing with good results is three key points in San Francisco, California.
1) list homes slightly under the selling price range.
2) have a date to consider offers or a bid date
3) have all the disclosures available including termite and home inspection reports

What you are creating is a multiple offer situations. When a seller gets 3 - 5 offers on the table they will realize that this is the best offers for the current market. What I also do is when I get the multiple offers, I will counter back all the offers and let the buyers improve their offers to be competitive with the other buyers that are biding for the property.

The sellers are sometime concern that a property may not sell for above the asking price what options do they have. The seller is not obligated to sell the property unless they sign the purchase contract, however they might be obligated to pay a brokerage commission to the listing agent unless they include in the listing agreement that the seller is not obligated to pay a brokerage commission unless the subject property sells and closes escrow.

Titleist 910 D2 9.5 Driver
Titleist 910 F15 & 21 degree fairway wood
Titleist 910 hybrid 24 degree
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Fraser Dedicated Member

Fraser

Posted
Posted
When a propety does not sell, it's always that the asking price is too high.

Eh? Did you even read the title?

In the Matrix XTT Standbag:

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Irons: T-Zoid Titanium Insert irons 3-SWWedge: Vokey Spin Milled Oil Can 60.04Putter: Pro Platinum Laguna 34" w/ British Open '04 headcoverBall: ProV1 Rule35 Playing again after a three year hiatus...


Note: This thread is 5610 days old. We appreciate that you found this thread instead of starting a new one, but if you plan to post here please make sure it's still relevant. If not, please start a new topic. Thank you!

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