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Old 09-29-2022, 3:35pm   #61
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This is insane, I just got an email from my bank I use for checking and this was their latest "offer" for a HELOC
I got this in an email this week.

So I can refinance from my 3.0% mortgage and extend the term out to a new 30 year loan at 6.24% and "save" $379/mo.
Brilliant!!

I don't think I am the ideal target of their marketing.
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Old 09-29-2022, 3:50pm   #62
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Try living in Illinois sometime. The formula they use to calculate your property taxes is so clever your taxes can go up even though the value of your house went down.
I lived in New York State for 11 years and saw similar games. My local Town Super had the gall to tell me "We've never raised taxes." They just played with the valuation to bleed as much as they wanted out of us.

The year I left they raised the fee on my professional license by about 300%. Their stated reason was to raise more revenue for unrelated programs from those with "privilege".

Also around that same time was the Thruway Authority bullshit. Originally sold as a 30 year program, at the end would give the state with new bridges and pavement. In year 29 the Legislature decided to keep the tolls, in fact increased them dramatically, again with the stated reason that it was a good stream of revenue. Rural drivers then got to subsidize ferries to NYC.
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Old 09-29-2022, 4:47pm   #63
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I'm doing OK here in a fiscally responsible county and village. My tax valuation only increased slightly. Meanwhile the market values have gone through the roof.
You'll always do OK because YADKIN.
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Old 09-29-2022, 6:12pm   #64
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25 years ago I headed south to visit a cyber friend here in Jax Fl. and even though that relationship did not flower, my love of the climate certainly DID, vs Wash DC burb and 4' of snow in my driveway with wind howling 90 mph.....

Floriduh has no state income tax.....7% sales tax, and my property tax is only 600/yr.....on a house pushing 300k in value now.....

I got VERY lucky in that I moved just outside of Jax....into Clay Co. Orange Park where the cost of living is much lower than in Jax the city.....
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Old 01-15-2024, 11:39am   #65
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Absolutely, it's essential to keep an eye on the economic landscape, especially with significant fluctuations in mortgage rates. The impact on the housing market and consumer spending can be profound.
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Old 01-15-2024, 11:45am   #66
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Absolutely, it's essential to keep an eye on the economic landscape, especially with significant fluctuations in mortgage rates. The impact on the housing market and consumer spending can be profound.
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Old 01-15-2024, 11:46am   #67
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Absolutely, it's essential to keep an eye on the economic landscape, especially with significant fluctuations in mortgage rates. The impact on the housing market and consumer spending can be profound.

STFU and go away spammer.
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Old 01-15-2024, 1:10pm   #68
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Absolutely, it's essential to keep an eye on the economic landscape, especially with significant fluctuations in mortgage rates. The impact on the housing market and consumer spending can be profound.
Is this gedeon??
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Old 01-15-2024, 1:16pm   #69
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Is this gedeon??
No, geo would never agree with anyone for any reason
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Old 01-15-2024, 1:27pm   #70
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No, geo would never agree with anyone for any reason
Or use any punctuation.
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Old 01-15-2024, 1:49pm   #71
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As a buyer in waiting I have been waiting for the bottom to fall out.

You can lower your interest rate later, but you can't make the house cheaper later on.

If you can afford it, you can pay whatever effective rate you want. I got in before it really fell out, 4.05 percent and was being offered 3 with a million hoops(self employed), or I could just pay $240 more a month and end up with the same effective rate as 3 percent.

I will never forget during the last crash, it wasn't this house(or maybe it was), but it was close by and similar in size. I drove by it everyday on the way home.

https://www.google.com/maps/@42.5833...8192?entry=ttu

On the market for $350k in one of the primest markets in Michigan.

Worth 2.4M today, I'd pay 15 percent to snag a deal like that again.
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Old 01-15-2024, 6:00pm   #72
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Absolutely, it's essential to keep an eye on the economic landscape, especially with significant fluctuations in mortgage rates. The impact on the housing market and consumer spending can be profound.
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Old 01-15-2024, 6:19pm   #73
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Is this gedeon??
Only if you get an adjustable rate. That would ARM-a-gedeon
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Old 01-15-2024, 7:10pm   #74
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As a buyer in waiting I have been waiting for the bottom to fall out.

You can lower your interest rate later, but you can't make the house cheaper later on.

If you can afford it, you can pay whatever effective rate you want. I got in before it really fell out, 4.05 percent and was being offered 3 with a million hoops(self employed), or I could just pay $240 more a month and end up with the same effective rate as 3 percent.

I will never forget during the last crash, it wasn't this house(or maybe it was), but it was close by and similar in size. I drove by it everyday on the way home.

https://www.google.com/maps/@42.5833...8192?entry=ttu

On the market for $350k in one of the primest markets in Michigan.

Worth 2.4M today, I'd pay 15 percent to snag a deal like that again.
Not, it's not. Last sold a year and a half ago for $655,000. A far cry from 2.4M.
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Old 01-15-2024, 8:46pm   #75
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Not, it's not. Last sold a year and a half ago for $655,000. A far cry from 2.4M.
Look at the address on the mailbox.

Google has it wrong.

https://www.zillow.com/homedetails/3...24492489_zpid/

The house that sold for that price looks like it hasn't been touched since it was built in the 60s.
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Old 01-15-2024, 9:51pm   #76
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I'm paying 2.25% on a 15 year note. In essence, because of Bidenomics, the bank is paying me.
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Old 01-15-2024, 10:00pm   #77
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My first mortgage, in 1975, was at 8.5%.

Cry me a river with your 6-7% rates. THOSE ARE NORMAL.
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Old 01-15-2024, 10:05pm   #78
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Originally Posted by NoOne View Post
Look at the address on the mailbox.

Google has it wrong.

https://www.zillow.com/homedetails/3...24492489_zpid/

The house that sold for that price looks like it hasn't been touched since it was built in the 60s.
OK, the house at 3805 last sold for $1.99m.
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Old 01-15-2024, 10:08pm   #79
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My first mortgage, in 1975, was at 8.5%.

Cry me a river with your 6-7% rates. THOSE ARE NORMAL.
Mine was 1988 at 11 7/8%. Thank you, Jimmy Carter.
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Old 01-15-2024, 10:09pm   #80
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My first mortgage, in 1975, was at 8.5%.

Cry me a river with your 6-7% rates. THOSE ARE NORMAL.
I'm happy to be under 6, I guess. Fighting the urge to pay it off too quickly because money does grow faster in the market.
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