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05-13-2017, 11:19 AM
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#26
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Admin.
Join Date: Aug 2005
Location: Hamilton, NJ
Posts: 20,152
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Mortgage company may not give you an option to pay taxes yourself
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Vent Windows Forever!
The looser the waistband, the deeper the quicksand. Or so I have read.
Feather-light suspension, Konis just couldn't hold. I'm so glad I took a look inside your showroom doors.
Hey everybody, it's good to have you on the Baba-too-da-ba-too-ba-ba-buh-doo-ga-ga-bop-a-dop
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05-13-2017, 03:28 PM
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#27
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Hippy Mod, Bergermeister Meisterberger, Moderator
Join Date: Aug 2004
Location: Ewing
Posts: 6,213
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If you hold enough money aside it's probably better to deal with the taxes and insurance yourself, you won't have to put the money up front into an escrow account. I did the taxes and insurance with the mortgage and that's what makes your payment go up every year. They will usually spread it across 12 months so the number isn't that big, but you're required to keep a decent amount in escrow so they can make the payments for you. It may cut down on your mortgage options if you decide to go non escrow. When we got the principal balance down to around $3000, I realized there was $2900 in the escrow so I paid it off and almost got back all the money. Until 2 weeks later when the quarterly taxes were due!
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69 Z28 JL8 4 wheel disc brakes - being restored
09 Silverado Z71
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05-13-2017, 09:23 PM
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#28
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11 sec club
Join Date: Aug 2014
Location: Woodbridge
Posts: 834
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I rolled it all together, thought it was easier just to cut one check monthly. But with on-line banking it's just as easy to spilt it up.
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99 Z28 Trick Flow 215s milled to 61cc 228/232 Cam Fast 102 built 4l65e trans 4000 converter 12 bolt 410s Electric WP deleted PS/AC Dyno & Track tuned
2015 ATS Coupe. AWD 2.0 Turbo
2012 2500hd Silverado with LTZ 20s on 35x12.5x20
86 Buick GN Lesabre 1 of 117 (4-Sale)
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05-15-2017, 07:29 PM
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#29
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The Mayor / 2009 Member of the Year / Moderator
Join Date: Jan 2005
Location: Northwest
Posts: 8,865
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Offer pending, and am down to 4.0% even thus far.
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1995 Z28 Convertible A4 13.78 @ 100 (CAI, high flow cat, catback, 160 thermo, hypertech, Strano springs, Koni yellows, sway bars, 3 pt. UMI SFC)
2018 Sea Doo GTX - 3 cylinders and das boooooost
Quote:
Originally Posted by BonzoHansen
Is English your 2nd language? Did you graduate high school? Your posts make my head hurt.
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Team FARM
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05-17-2017, 07:43 AM
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#30
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Join Date: Sep 2008
Location: Hackettstown, NJ
Posts: 1,640
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4.0 is pretty good these days. I lucked out on my refi and got 3.5 a couple years back when rates were at their lowest.
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1998 Z-28 - SLP lid - Ported TB - LS6 Intake - Dynatech SS headers/Catted Y - Magnaflow Exh - 3.42 - Yank SS3600 - UMI weld-in subframe connectors, Adj LCA, Adj PHB, Q1A TA - Bolt-in Relocation Brackets - Strano springs - Koni shocks - 17" C6Z06 wheels - 326HP/335ft-lbs - 12.35 @ 110.41
Quote:
Originally Posted by Blackbirdws6
I can appreciate a dream but this person needed some real friends.
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06-01-2017, 05:23 PM
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#31
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Join Date: May 2017
Posts: 2
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Hi, you talk about 4%, I've found that non-US residents has the mortgage interest rate from 3% (December 2016 data) here https://tranio.com/usa/mortgage/. Ofc it depends on loan term.
I suppose that it will bee increased gradually for all
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