Adjustable Bath
Is this a good time to refinance my home? (AZ)?
We bought our house on 7/11/06 for 123,900. we used 100% financing of about 80/20.
our first loan is now $99,052.98 and 7.85% fixed.
our second loan is now $24,570.94 and 10.85% fixed for another 18 months before it goes ARM.
the total mortgage is now $123,623.92 .
our total monthly payment is $772.16 and $233.18 (respectivly) for a total of $1,005.34 a month.
we have primary and secondary goals with refinancing.
1 – Maintain/Lower monthly mortgage payments.
2 – lower interest rate and avoid the future adjustable.
3 – pull out money for what appears to be a good investment (hoping for 13K)
if demographics are a factor then:
Glendale AZ, 85301
534 Sq ft.
1/1 bed bath
beautiful inside and out
added an aluminum 8×10 outdoor shed after we bought the property.
previous apraisel at time of purchase $130,500
Any advice or suggestions you can give will be welcomed. The market around here is picking up and we hope it’d be worth it to refi b4 fed rates go up.
There are a lot of variables here. My advice would be to go 15 yr fixed (combine both notes). The payment there would be 1010.24. I know it doesn’t save you money month-to-month, but it will save you a lot in the long run.
A 30 year fixed (currently 5.81%) is 722.49 for $123,000.
A 15 year fixed is 1010.24.
If it your goal to pull equity out of your house for your investment, then you name, Flat Broke, will apply to you for a long, long time. Pass on the investment until you can afford it. Leave teh equity in your house, refinance at 15-year fixed, and get started saving for future investments.
First Federal Savings & Loan Assn, Bath, ME
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Bath Clawfoot Tub / Bathtub Adjustable Swing Arm 3 3/8″ $24.95 |
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Satin Nickel 8″-15″ Adjustable Bath Faucet WS01 $263.16 |
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Satin Nickel 8″-15″ Adjustable Bath Faucet WS04 $263.16 |
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Satin Nickel 8″-15″ Adjustable Bath Faucet WS05 $263.16 |
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Satin Nickel 8″-15″ Adjustable Bath Faucet WS06 $263.16 |
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Whitehaus Adjustable Bath Rack | Polished BRASS $111.00 |
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LUXURY Whitehaus Adjustable Bath Rack | Polished Gold $134.25 |
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KOHLER ClearFlo BATH TUB POP UP 1-1/2″ DRAIN ADJUSTABLE CHROME K-7169-AF-CP $284.99 |
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Satin Nickel 8″-15″ Adjustable Bath Faucet WS01 $259.98 |
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Oil Rubbed Bronze 8″-15″ Adjustable Bath Faucet WS04 $265.85 |
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Oil Rubbed Bronze 8″-15″ Adjustable Bath Faucet WS01 $259.98 |
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Satin Nickel 8″-15″ Adjustable Bath Faucet WS04 $265.85 |
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Satin Nickel 8″-15″ Adjustable Bath Faucet WS05 $259.98 |
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Oil Rubbed Bronze 8″-15″ Adjustable Bath Faucet WS05 $259.98 |
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Oil Rubbed Bronze 8″-15″ Adjustable Bath Faucet WS06 $259.98 |
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Satin Nickel 8″-15″ Adjustable Bath Faucet WS06 $259.98 |
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Commercial Bed Bath Passage Adjustable Backset, Satin Chrome Orbit Knob Schlage $16.00 |
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Commercial Bed Bath Privacy Adjustable Backset, Satin Chrome Orbit KnobSchlage $16.00 |
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Oil Rubbed Bronze 8″-15″ Adjustable Bath Faucet WS06 $263.16 |
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Oil Rubbed Bronze 8″-15″ Adjustable Bath Faucet WS05 $263.16 |
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Oil Rubbed Bronze 8″-15″ Adjustable Bath Faucet WS01 $263.16 |
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Schlage Commercial Bed Bath Privacy Adjustable Backset, Satin Chrome Orbit Knob $20.00 |
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KOHLER 7161-AF-BV CLEARFLO ADJUSTABLE POP-UP BATH DRAIN BRUSHED BRONZE MSRP $325 $162.99 |
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Polished Brass 8″-15″ Adjustable Bath Faucet WS05 $259.98 |
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Polished Brass 8″-15″ Adjustable Bath Faucet WS05 $263.16 |
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Kohler K-424-CP Polished Chrome Modern Adjustable Deck or Bath Mounted Hand $165.31 |
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Kohler K-368-BN Brushed Nickel Classic Adjustable Deck or Bath Mounted Hand $228.14 |
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Kohler K-10573-CP Polished Chrome Adjustable Deck or Bath Mounted Hand Shower $154.43 |
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Polished Brass Adjustable Spread Roman Bath Tub Fillet Faucet Fixture KS2342TL $375.95 |
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Brushed Nickel Adjustable Spread Roman Bath Tub Fillet Faucet Fixture KS2348PX $351.95 |
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Brushed Nickel Adjustable Spread Roman Bath Tub Fillet Faucet Fixture KS2348PL $351.95 |
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Brushed Nickel Adjustable Spread Roman Bath Tub Fillet Faucet Fixture KS2348AL $351.95 |
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Polished Brass Adjustable Spread Roman Bath Tub Fillet Faucet Fixture KS2342PX $286.93 |
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Polished Brass Adjustable Spread Roman Bath Tub Fillet Faucet Fixture KS2342PL $286.93 |
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Polished Brass Adjustable Spread Roman Bath Tub Fillet Faucet Fixture KS2342KX $286.93 |
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Polished Brass Adjustable Spread Roman Bath Tub Fillet Faucet Fixture KS2342AL $286.93 |
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Polished Chrome 8″-15″ Adjustable Bath Faucet WS04 $234.27 |
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Polished Chrome 8″-15″ Adjustable Bath Faucet WS04 $226.44 |
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Polished Chrome Adjustable Leg Tub Accessory Shelf $98.60 |
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Polished Brass 8″-15″ Adjustable Bath Faucet WS04 $265.85 |
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Polished Brass 8″-15″ Adjustable Bath Faucet WS01 $259.98 |
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Polished Brass 8″-15″ Adjustable Bath Faucet WS06 $259.98 |
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Polished Brass 8″-15″ Adjustable Bath Faucet WS01 $263.16 |
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Polished Brass 8″-15″ Adjustable Bath Faucet WS04 $263.16 |
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Polished Brass 8″-15″ Adjustable Bath Faucet WS06 $263.16 |
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