drive ur truk you squid

 

i think im going to try to refinance my mortgage. I got 6.0 APR righ now which is good, but theyre offering 4.9 now

 

If you need me to for a contract I will but Im not gonna just drive for the **** of it

 

If you could refi with little to no cost then do it. But if the cost will be high then its not worth it (which I dont think it will for you). You should do a cema for the mortgage tax which allows you to not pay it again. In LI I think its .75%. I dont know what your mortgage is but a 150k mortgage at 6% for 30yrs is 899. At 4.9% its 796. It would probably take 2-3 years or so to make back your closing costs and then you got 27 years of savings

 

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Oh **** haha this made me lol

https://www.stuntlife.com/forums/pos...872-post3.html

 

we do, we're a little behind. fruit from broken hill to rockhampton

 

i dont know about cema and taxes and ****, but i understand the last line

 

is there a law against drafting in florida? i notice the truckers here dont do it much. up north its rare to see a truck on the highway without another truck 20 feet behind it. during weekdays you'll see a line of trucks drafting a mile long on the expressway

 

 

scoot and niner getting fucked onthe weather as usual
hope that **** doesnt delay my flight tomorrow night

 

jure

 

hello

 

CEMA stands for consolidation extension modification agreement

http://www.nycmortgage.com/CEMA.php

Basically you paid .75% in mortgage tax when you bought the house. When you refi if you dont do a cema you'll pay the taxes again. In NYC its 1.75% so its a big amount. Its not as big on the island but still almost 1%. Basically you're just assigning the mortgage tax from the last mortgage to the new one. I doubt youre looking to take cash out but in instances where people take cash out they only pay the mortgage tax on anything over their last principle balance (new money). In your case if you did a cema and your balance was 150k, you would save $1,125 in closing costs. Definitely worth it to do it and all "big" banks do them. If you have any questions or need any help lemme know but it is something the rep at your bank should handle

Im out. Welder and then whoolies Ill drive my truk later

 

lemme rephrase that - a broker would handle it. youre probably going to a direct lender so they probably wouldnt wanna deal with it but someone at the title company should get the ball rolling on that. Also make sure you ask for a reissue rate for the title insurance. That'll save you a couple hundred bucks. By law, if you recently took out title insurance they're supposed to give you the reissue rate but the majority of the time they dont so they could collect more money. If I think of anything else I'll let you know

 

in my house is so ******* hottttt

 

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going to hit few handstands

 

gnfgnfnfmngmhg

 

hello miss amy how are you?