tag:blogger.com,1999:blog-3930079577671183880.post1950160412714582382..comments2023-10-24T06:39:25.674-07:00Comments on My Money Mission: RE-FIA.Mariehttp://www.blogger.com/profile/06106004037607712134noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-3930079577671183880.post-45521683834447930682010-03-26T03:24:32.803-07:002010-03-26T03:24:32.803-07:00I re-fi'd in September. I started in July. It ...I re-fi'd in September. I started in July. It went smooth and I finally went from the original 8% to 5%. The reason it took nearly 17 years from buying was because my credit (and income but more the credit) was never good enough. I did a 15 year and saved $200 a mo which I put into savings.Helenehttps://www.blogger.com/profile/04108744150730514769noreply@blogger.comtag:blogger.com,1999:blog-3930079577671183880.post-39248512107257862612010-03-26T02:28:50.826-07:002010-03-26T02:28:50.826-07:00I would love it if you could -- I had some compute...I would love it if you could -- I had some computer issues and couldn't get it in this spot.<br /><br />Thanks!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3930079577671183880.post-77766186370258707802010-03-25T05:30:13.372-07:002010-03-25T05:30:13.372-07:00Anne...your email was awesome and full of great in...Anne...your email was awesome and full of great info! Can I copy and paste it and put it on this blog?A.Mariehttps://www.blogger.com/profile/06106004037607712134noreply@blogger.comtag:blogger.com,1999:blog-3930079577671183880.post-89478481536530669582010-03-25T05:08:53.111-07:002010-03-25T05:08:53.111-07:00Look at your email. My comment didn't take.Look at your email. My comment didn't take.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3930079577671183880.post-89419451530257778132010-03-24T07:23:13.136-07:002010-03-24T07:23:13.136-07:00I think that you are right..if you are further int...I think that you are right..if you are further into the mortgage, the less you will save, because, if I understand this right, you pay more towards interest in the early parts of the mortgage, then in the later part, you are paying towards the principle. Right?A.Mariehttps://www.blogger.com/profile/06106004037607712134noreply@blogger.comtag:blogger.com,1999:blog-3930079577671183880.post-7669976796148445622010-03-24T07:00:50.485-07:002010-03-24T07:00:50.485-07:00In 2008, we did TWO refinances on our house. The ...In 2008, we did TWO refinances on our house. The first was to get out of the original adjustable rate mortgage. It also gave us a decent interest rate overall. The second time we were able to get another full percent off the interest rate. Because we were only months into our mortgage, it made sense. Even with closing costs, it will save us thousands of dollars over the life of the mortgage. <br /><br />I may be wrong about this, but the further into the mortgage you already have, the less a refinancing is apt to save you over the life of the mortgage. However, it may lower your payment, which is sometimes necessary to keep you out of the dog house if you're having cash-flow problems.Annie Joneshttps://www.blogger.com/profile/07123644833186800503noreply@blogger.com