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Forum: General Discussion

03-29-2021, 12:05 PM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

Whatever the interest rate was when I last checked + plus expenses for the new loan wasn't any different than me just paying the nearly the same amount if I went with a 15 year. The closing cost and...

Forum: General Discussion

03-29-2021, 05:58 AM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

I thought 8K was excessive as well. This was through the same bank I currently have a mortgage with. They also wanted a new appraisal when I had an appraisal with them 6 years ago when I...

Forum: General Discussion

03-28-2021, 12:49 PM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

My interest rate is currently 3.8750% and I have 24 years left on the loan. I do about 3 months of additional principal payments a year.

I am trying to avoid a future auto loan, but may do a 50%...

Forum: General Discussion

03-26-2021, 11:15 AM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

Well an update to this. Car was paid off in November. Was looking to refi to a 15 year on the home, but when I ran the numbers it did not make sense to take on 8K refi charges compared to what I...

Forum: General Discussion

11-08-2019, 07:29 AM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

I apologize for not be so clear. Within the credit union site which allows me to make principal only payments does not allow me to associate an external bank account. I pay my monthly payment...

Forum: General Discussion

11-07-2019, 05:06 PM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

The car is at 4.4%. I too would like to get the car paid off and explore a refinance on the home.

Forum: General Discussion

11-07-2019, 01:23 PM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

Not really. I worry if I refinance to a 20, the amortization schedule may play against me.

I could look into it and see if it really makes sense. I am at an effective rate of 3.8750% currently...

Forum: General Discussion

11-07-2019, 11:27 AM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

Paying the additional principal on the car is kind of a pain. I have to transfer the money to the credit union savings account first. I pay the loan from my default bank, but if I do that for...

Forum: General Discussion

11-07-2019, 09:27 AM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

Ok, I think that settles it then. I'll concentrate on the car then.

Forum: General Discussion

11-07-2019, 08:40 AM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Re: Finance - Which to pay first?

It would be nice to have the car paid off. I'd like to buy a 2nd car and was kind of dependent on the 1st being paid. I don't like loans.

I thought since the terms on the mortgage is so long,...

Forum: General Discussion

11-07-2019, 08:29 AM

Replies: 26

Finance - Which to pay first?

Views: 7,318

Posted By mosesbotbol

Finance - Which to pay first?

I have two loans that I pay additional principal on each month; home and car?

Both are at similar interest rates (the car could be a little lower %). Is there one I should focus the additional...

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