[19:15] Airj0ckey: Refinancing kicks ass
[19:16] pissedoffsol: how'd you make out?
[19:16] Airj0ckey: not sure yet....
[19:16] pissedoffsol: lol
[19:16] Airj0ckey: I was at 7.44%...then they bumped me up to 9.44%
[19:17] Airj0ckey: I had a small stroke
[19:17] pissedoffsol: oh wack, you got adjustable rate?
[19:17] Airj0ckey: when I first got the mortgage...it was adjustable
[19:18] pissedoffsol: they give you a fix percent now?
[19:18] pissedoffsol: don't take it unless its fixed
[19:18] Airj0ckey: but since I've paid on time, paid more than needed...and popped my credit rating up...and I needed to get refi'ed anyways to get a fixed
[19:18] pissedoffsol: if rates drop, you can re-finance again. but if they go up, youre golden
[19:18] Airj0ckey: yup
[19:18] pissedoffsol: bb in a few-- dinner is burning
[19:19] Airj0ckey: talked to the guy today, went to his office, called about all other agents in the area...and it looked like the kid doing my re-fi was a decent kid....well....
[19:20] Airj0ckey: 15 year, on $134K, fixed rate, @ 5.625%......
[19:23] Airj0ckey: payments will be around $1128...and then were going to add the taxes and insurance into it too...so it'll be around $1400 a month...but still better than what I had...and easier to pay too..
[19:25] Airj0ckey: @ 9.44%...the payment would have been $1127 a month....for 30 years
[19:26] Airj0ckey: same payment...and half the time...and save about 200Ks at the same time....
[19:26] Airj0ckey: I just have to wait for the damn appraiser to give the price that the house is now worth....and we can close....
[19:28] Airj0ckey: hell...I was paying $1300 a month for that place in Stratford that I was renting....
[19:31] Airj0ckey: things are really looking up lately......this year will be laced laced with endless OT...and a hude tax return...also the vacation pay will actually be useable...and the garage will actually be able to help make a small profit sandblasting shit for everyone....
[19:31] Airj0ckey: double laced.....hehe
[19:31] Airj0ckey: literally........
[19:31] Airj0ckey: but that means no time off from work to go to a lot of the events......
Sorry...to lazy to re-type the shiiiat....
And I think B won't have a tasty dinner tonight....
He hasn't answered back since it was burning...
I forsee a pizza delivery guy in his near future
[19:16] pissedoffsol: how'd you make out?
[19:16] Airj0ckey: not sure yet....
[19:16] pissedoffsol: lol
[19:16] Airj0ckey: I was at 7.44%...then they bumped me up to 9.44%
[19:17] Airj0ckey: I had a small stroke
[19:17] pissedoffsol: oh wack, you got adjustable rate?
[19:17] Airj0ckey: when I first got the mortgage...it was adjustable
[19:18] pissedoffsol: they give you a fix percent now?
[19:18] pissedoffsol: don't take it unless its fixed
[19:18] Airj0ckey: but since I've paid on time, paid more than needed...and popped my credit rating up...and I needed to get refi'ed anyways to get a fixed
[19:18] pissedoffsol: if rates drop, you can re-finance again. but if they go up, youre golden
[19:18] Airj0ckey: yup
[19:18] pissedoffsol: bb in a few-- dinner is burning
[19:19] Airj0ckey: talked to the guy today, went to his office, called about all other agents in the area...and it looked like the kid doing my re-fi was a decent kid....well....
[19:20] Airj0ckey: 15 year, on $134K, fixed rate, @ 5.625%......
[19:23] Airj0ckey: payments will be around $1128...and then were going to add the taxes and insurance into it too...so it'll be around $1400 a month...but still better than what I had...and easier to pay too..
[19:25] Airj0ckey: @ 9.44%...the payment would have been $1127 a month....for 30 years
[19:26] Airj0ckey: same payment...and half the time...and save about 200Ks at the same time....
[19:26] Airj0ckey: I just have to wait for the damn appraiser to give the price that the house is now worth....and we can close....
[19:28] Airj0ckey: hell...I was paying $1300 a month for that place in Stratford that I was renting....
[19:31] Airj0ckey: things are really looking up lately......this year will be laced laced with endless OT...and a hude tax return...also the vacation pay will actually be useable...and the garage will actually be able to help make a small profit sandblasting shit for everyone....
[19:31] Airj0ckey: double laced.....hehe
[19:31] Airj0ckey: literally........
[19:31] Airj0ckey: but that means no time off from work to go to a lot of the events......
Sorry...to lazy to re-type the shiiiat....
And I think B won't have a tasty dinner tonight....
He hasn't answered back since it was burning...
I forsee a pizza delivery guy in his near future