Comments on: Refi Laboratory: A Common Man’s Pursuit of the Ultimate Mortgage http://www.subprimeblogger.com/2008/12/29/refi-laboratory-a-common-mans-pursuit-of-the-ultimate-mortgage/ Your Mortgage News Source Sat, 20 Mar 2010 13:00:23 -0700 http://wordpress.org/?v=2.8.5 hourly 1 By: The Financial Suite » Funniest Google Search of the Day - June 20th http://www.subprimeblogger.com/2008/12/29/refi-laboratory-a-common-mans-pursuit-of-the-ultimate-mortgage/comment-page-1/#comment-8172 The Financial Suite » Funniest Google Search of the Day - June 20th Sun, 21 Jun 2009 11:14:08 +0000 http://www.subprimeblogger.com/?p=753#comment-8172 [...] Blogger and I had no idea why.  Well, an article one of my good friends wrote back in December, Refi Laboratory: A Common Man’s Pursuit of the Ultimate Mortgage had Refi and Man in the title, hence the reason for Subprime Blogger being number three on the [...] [...] Blogger and I had no idea why.  Well, an article one of my good friends wrote back in December, Refi Laboratory: A Common Man’s Pursuit of the Ultimate Mortgage had Refi and Man in the title, hence the reason for Subprime Blogger being number three on the [...]

]]> By: Subprime Blogger / Funniest Google Search of the Day - June 20th http://www.subprimeblogger.com/2008/12/29/refi-laboratory-a-common-mans-pursuit-of-the-ultimate-mortgage/comment-page-1/#comment-8071 Subprime Blogger / Funniest Google Search of the Day - June 20th Sat, 20 Jun 2009 12:53:12 +0000 http://www.subprimeblogger.com/?p=753#comment-8071 [...] Blogger and I had no idea why.  Well, an article one of my good friends wrote back in December, Refi Laboratory: A Common Man’s Pursuit of the Ultimate Mortgage had Refi and Man in the title, hence the reason for Subprime Blogger being number three on the [...] [...] Blogger and I had no idea why.  Well, an article one of my good friends wrote back in December, Refi Laboratory: A Common Man’s Pursuit of the Ultimate Mortgage had Refi and Man in the title, hence the reason for Subprime Blogger being number three on the [...]

]]> By: Subprime Blogger » The “Great Refi Boom” of 2009? A Must Read! http://www.subprimeblogger.com/2008/12/29/refi-laboratory-a-common-mans-pursuit-of-the-ultimate-mortgage/comment-page-1/#comment-756 Subprime Blogger » The “Great Refi Boom” of 2009? A Must Read! Sat, 10 Jan 2009 02:23:03 +0000 http://www.subprimeblogger.com/?p=753#comment-756 [...] Refi Laboratory: A Common Man’s Pursuit of the Ultimate Mortgage [...] [...] Refi Laboratory: A Common Man’s Pursuit of the Ultimate Mortgage [...]

]]> By: Refi Lab http://www.subprimeblogger.com/2008/12/29/refi-laboratory-a-common-mans-pursuit-of-the-ultimate-mortgage/comment-page-1/#comment-579 Refi Lab Thu, 01 Jan 2009 23:56:29 +0000 http://www.subprimeblogger.com/?p=753#comment-579 To clarify: The "buy-in" cost listed was additional points paid on the loan plus other fees -- it doesn't include closing costs such as title insurance, attorney fees etc. The home value assumes 20% equity maintained, as the home is in a locale where prices haven't been as battered as others in the nation, and the price had increased slightly in the earliest years of purchase. To clarify:
The “buy-in” cost listed was additional points paid on the loan plus other fees — it doesn’t include closing costs such as title insurance, attorney fees etc.

The home value assumes 20% equity maintained, as the home is in a locale where prices haven’t been as battered as others in the nation, and the price had increased slightly in the earliest years of purchase.

]]> By: Aron Harris http://www.subprimeblogger.com/2008/12/29/refi-laboratory-a-common-mans-pursuit-of-the-ultimate-mortgage/comment-page-1/#comment-539 Aron Harris Tue, 30 Dec 2008 18:06:54 +0000 http://www.subprimeblogger.com/?p=753#comment-539 There is one other consideration that you did not mention. If you are planning on doing an assignment of the mortgage tax (depending on the area in which you live) you will at least need a 30 day lock and possibly a 45 day lock (depending on your current mortgage holder)in order to get the work done. Of course this is worth it as you can shave thousands of dollars off of your closing costs. There is one other consideration that you did not mention. If you are planning on doing an assignment of the mortgage tax (depending on the area in which you live) you will at least need a 30 day lock and possibly a 45 day lock (depending on your current mortgage holder)in order to get the work done. Of course this is worth it as you can shave thousands of dollars off of your closing costs.

]]> By: Joseph Turner http://www.subprimeblogger.com/2008/12/29/refi-laboratory-a-common-mans-pursuit-of-the-ultimate-mortgage/comment-page-1/#comment-538 Joseph Turner Tue, 30 Dec 2008 18:05:14 +0000 http://www.subprimeblogger.com/?p=753#comment-538 I am not clear as to what the "buy in" figures represent. Is the additional money considered "closing costs" or an additional downpayment over what (if any) equity is left in the depreciated home value. Someone please advise I am not clear as to what the “buy in” figures represent. Is the additional money considered “closing costs” or an additional downpayment over what (if any) equity is left in the depreciated home value. Someone please advise

]]> By: bill http://www.subprimeblogger.com/2008/12/29/refi-laboratory-a-common-mans-pursuit-of-the-ultimate-mortgage/comment-page-1/#comment-535 bill Tue, 30 Dec 2008 14:37:36 +0000 http://www.subprimeblogger.com/?p=753#comment-535 Seeking a mortgage on an new home and the loan costs have jumped terribly! Quicken is quoting $6,700 in closing (no escrows or prepaids) on $270k ... ouch! Seeking a mortgage on an new home and the loan costs have jumped terribly! Quicken is quoting $6,700 in closing (no escrows or prepaids) on $270k … ouch!

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