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If the market rate is 5.50% for 1.0 point cost (lender profit) and you accept a 5.875% rate, the higher rate yield will give the lender a 1.5 - 2.5 point rebate which they use to earn a profit and for paying your fees. If the lender advertised "No fees at closing out of your pocket, but you...

You could take it, close in late October, then refinance again after the broker's new loan window re-opens (usually after 3 payments). If it was my loan, I'd look at a 25 year amortization. The lower rate should keep your payments about the same as where they are today, but take 3-4 years off of...

In case you were wondering why rates didn't drop following the Fed's rate decision today........ This happens often after a Fed Funds Rate Cut, but eventually mortgage rates will come down some. Not always a full 1/2 point, but some reductions will come...

"In war, truth is the first casualty" Sub "war" for "politics" and the saying still holds water. Weird.

Did Springfield Ohio get ANY substantial help before this pet eating tale got loose? No... but because it's an election and the optics are bad, now the aid comes flooding in. Again, it's not the results, but the cause of the issue that's the problem in need of a real solution. Come to think of...

Be real here. If 78,000 non US Citizens flooded Irvine within a 24 month window, every political party member across the spectrum (besides Democratic Socialists - the very hard left) would be up in arms. The problem isn't the reaction - as bad as it might be - but the cause. Yes, it is true...

An electric vehicle I can get behind: https://www.electrogenic.co.uk/kits/conversion-kits/delorean-dmc-12-conversion-kit/

Q: What's weirder than repeating a National Socialist trope? A: Giving aid and comfort to Hamas supporters - actual living, breathing Nazis - whose sole purpose is killing Jews, and the eradication of the Jewish state. Those on that side of the aisle refuse to put an end to the Iranian funded...

What, no salt or pepper? That's going to be one tough to choke down meal.

Two and one half swimming pools full of water AND a bonus Phos-Check air drop needed to suppress 1 Tesla Semi fire. Ooof. https://www.cbsnews.com/sacramento/news/tesla-semi-truck-fire-ntsb-report-50k-gallons-of-water/

Temu Grade Mao and Corn Pops are putting tariffs ( as they call them , "The Trump Sales Tax" ) on....... Temu Because when we do it, it's soooper joyful. When they do it, it's weird and harmful. Sweet Jupiter these people can't stop beclowning themselves...

Wait a second here @sleepy5136 DEI Barbie said in the debates there are no war zones we're involved in anywhere. That's the gospel truth according to the MSN. SOURCE???? ;) Of the plans (not ideas) Kween Kamala has, the $50k small business tax credit has to the the stoopidist. (Besides...

Stoopid money does stoopider things https://jalopnik.com/cybertruck-owner-spends-4-200-on-stainless-steel-look-1851647031

We all have a favorite dog in the hunt. Mine was Tulsi Gabbard - wrong on some things, but right enough to vote for her. A real woman to be a real President. Yes, Trump supporters aren't simply rabid zealots all in on the Tang Menace.... She would have been a kick-ass VP nominee as well. We...

It's unknown if the same thing happened on the R side if we would complain or not. Depends on the how. Someone in Pennsylvania came pretty close to making this happen, but since his aim was off, we will never know, will we? If Kween Kamala wins the whole thing, you will get the Government you...

Then ask yourself this simple question: "Who will, without doubt, decrease the flow of illegal immigrants/migrants/aliens?". You really have only one choice. The alternative is turning the "migrant" flow to 11. You know this to be the truth about this issue. Trumps biggest problem is that he...

Let's take some genuine facts in this exercise and see where they take us... Springfield Ohio's 2020 population was $60,000. In 3 years they have had 15,000 (low number) of Haitian's forcibly resettled in that town. Irvine, CA in 2022 had a population of 313,000. Imagine if 78,000...

Did not know that you coined the term FCB. Well done, sincerely. Although it's original meaning was not intended to be considered to be about any people group - Canadians for example - over time, on this site, it clearly does intend to be about one single group. Interesting to see posts about...

Abortion after a birth is a misspeak. The article @morekaos posted has the deets. On this site "FCB" is often used to generalize about a specific population group. It's a minor slur, but a slur none the less. I vote because I'm informed about policies, not personalities. If people can't...

Bodycam footage now up on YouTube. You have to age verify (sign in) to view. The host channel is "Police Activity". Very grim stuff. Perp definitely has mental issues and a death with. IPD handled it appropriately.