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Same lender as current, Finance of America. Friend of mother in law. LMK if you'd like her info via PM.

Ended up locking at 3.5% for refi, no fees, 3.25% we would have needed to kick in some $$. Non-jumbo, still need to do appraisal but pretty sure we're going to be around 65% LTV (going to kick in a tiny bit of $$ too to lower loan amount to even #). Purchased 1 year ago at 3.75% and going to...

How about for something classic with a twist...white subway (there's the beveled edge or ones with a wavy texture at Home Depot if you want to look in person) with a darker grout?

Mo money, mo problems? Hahah. Now my husband is curious to kick in more money to lower the refi loan amount and she's mentioning we could get something even better since it will be around 60% LTV...... Is this typically a big discount in interest rate? We bought at 70% LTV to get that 3.75%

SFH, our loan person is a family friend of mother in law. She was looking at yesterday's rate and reached out to us. It's now gone up and waiting to lock in. She said if it doesn't go down, we may have to pay $500 or so in fees which still works out better. It's not a jumbo loan since we put...

Thanks all, makes sense. We were paying a little more towards principal each month lately so can pay the same and put just that little extra back into the principal. I saw some articles mention it's only worth refi for 2% lower or even 1% lower but ours is 0.375% lower. But probably considering...

Question about refi since we're first time homeowners. Current rate when purchased April 2015 was 30 year, 3.75% fixed. We're now being offered 3.375% to refi, no closing/fees or points. Based on what we have left, it would save us $100ish a month. This is a no brainer right? What's their...

UGMA is their money once they reach age of majority (since this $$ is technically theirs, no one can own securities under 18). So if they want to run off and buy a Ferrari or 500 kegs of beer, you have no control. 529, you control, can transfer to other family members w/o tax implications but...

Yeah I was going to mention most here don't qualify for Roth IRA contribs on my initial post since the income limit is not too high, but there's no income limit for a Roth 401k contribs I believe per Kiplinger: Because there are no income limits on Roth 401(k) contributions, these accounts...

I know the math depends on age, etc but I find tax free EARNINGS (Roth 59 1/2+, over 5 yrs) way more appealing than tax deferred everything (traditional IRA, traditional 401k). Totally agree on maxing any employer match, but I like the idea of maxing the Roth after that. Any general rules of...

How about Tasty Garden? Since it's a Hong Kong Cafe there are western influences, milk tea in a glass boot anyone? Also their other items like wonton noodle soup, salt and pepper pork chops, and steamed chicken with ginger sauce are legit. My fave there is the baked porkchop: rice, porkchops...

I also like Thai Garden in that area REALLY good crying tiger there.

Looks great! Really liking the lighter style kitchens. Nice top cabinets with the glass Perspective. Are you liking the choice of going with quartz?

With appliances and bin pulls/knobs, island off to the left. Ignore the white blotch, tried to erase my junk on the island. Sorry, new to the picture format here. You can delete the post right above this, I have no idea how to delete it.

Sorry my pics are too large to post, PM me if you like to see more. I got white shaker cabinets too.

I myself used quartz, which is engineered aka crushed up then made into a slab vs granite or quartzite which is 1 piece of stone. There is no maintenance for quartz, no sealing or anything like that, just wipe it. Granite takes a little more care, we've had to seal the granite vanity in the...

Great story Soylent, kudos to people who adopt. I might be open to it, the hubby, we'll see. We're on the fence about kids in general. I follow Frank Somerville on Facebook, he's an Oakland area newscaster. They have a biological child and adopted another. It's so great to see the story of...

Great thread! Not sure if there's a huge market for all of these, but I would like to see nearby for weeknights vs trekking to other parts of OC Vietnamese besides pho - although Thuan Kieu narrowed the gap with broken rice. Maybe Brodard's like or central Vietnamese. I'll also throw in a good...

This is very helpful, thanks! The responses on these threads make sense based on this poll.

Irvine is very family friendly, walkable, tad sterile, but then clean. I'd caution the commute, if your SO is used to commuting, fine. But crawling up and down the 5 for 45 minutes for 12-15 miles each way can be mind numbing. Not that it takes 1+ hours, but it's just not that far but takes...