asked:
I have a adjustable rate witch is changing to 3.87% with a 2 point cap yearly and was at 5.37%, is it worth the coast to refinance at a 30 year fixed rate of 4.875% with no points. I have a 30,000 home equity line witch can not be rolled in to the loan (Oboma ) plan. The house is worth about 240,000 and I owe 226,000 plus the 30,000 home line. This is a tough one to make, save $260.00 a month now but who knows 2 yers down the road with things don’t straighten out ,could be at 7.875%
Instant Auto Insurance Quote
I have a adjustable rate witch is changing to 3.87% with a 2 point cap yearly and was at 5.37%, is it worth the coast to refinance at a 30 year fixed rate of 4.875% with no points. I have a 30,000 home equity line witch can not be rolled in to the loan (Oboma ) plan. The house is worth about 240,000 and I owe 226,000 plus the 30,000 home line. This is a tough one to make, save $260.00 a month now but who knows 2 yers down the road with things don’t straighten out ,could be at 7.875%
Instant Auto Insurance Quote
3 responses to Should I go to a fixed rate?
Consolidating Debts
It sounds as though you could wind up with a 2% increase EVERY YEAR! I would absoutely go for a fixed rate! You appear to be “under water” at the moment, but the water will rise very, very quickly if you don’t get into a fixed rate and start bringing down that balance!
Should I go to a fixed rate?
Student Loan Refinancing
We purchased a house in 1980 when all you could get were adjustibles. In 4 years it increased that 2% every year. Finally just refi with a fixed. Saving 260 is not worth the uncertainty and made scramble to refi down the road.
Should I go to a fixed rate?
Unsecured Loans
Definitely. I have a friend who bought a home in the 90′s starting at 7 %, then went up to 14 % !!
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