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    VWVortex


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    Type: Posts; User: ruetzal

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    1. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
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      84,646

      Well I guess I wasn't informed to indepth about...

      Well I guess I wasn't informed to indepth about it. Its a slight change with some new docs that IMO are a lot more clear to the consumer taking out the loan. A lot more straightforward. People...
    2. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      well there is plenty of info out there but in...

      well there is plenty of info out there but in reality since your military a VA loan is in your best interest especially being a 1st time buyer. So IMO you don't need to look around a whole lot for...
    3. Replies
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      I have a free Bentley mk4 manual if anyone wants...

      I have a free Bentley mk4 manual if anyone wants it... PM ME
    4. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      if you take out any retirement funds to pay for...

      if you take out any retirement funds to pay for anything your going to pay about a 40% tax rate + a 10% penalty so essentially 50% of those funds you will be paying in taxes. Also you lose the...
    5. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      well fed helped us finally! rates are pretty good...

      well fed helped us finally! rates are pretty good now. IMO we are at the high end of bond price and low yields. Bonds appear to have a bullish run going though we will see how long it lives on
    6. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      4.50 is a good rate IMO. My target rates for the...

      4.50 is a good rate IMO. My target rates for the next few years range from 4.25-5.25 so you definitely at lower end. we may not see 4.25 again.

      Every time ben has talked it has shot rates up. ...
    7. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      yeh for sure, it will be interesting to see...

      yeh for sure, it will be interesting to see if/how the fed taper On sept 18th will effect bonds down here. Seem to find a bottom I am hoping even with a fed taper bonds hold up. I think they will...
    8. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      sorry for lack of updates but bonds since my last...

      sorry for lack of updates but bonds since my last post have lost 200 bps. Appears we have set a firm bottom here but think it will be sideways for awhile. With the 10 yr around 3% seems to be...
    9. Replies
      1,734
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      ogsdub sent you a pm

      ogsdub sent you a pm
    10. Replies
      1,734
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      even if the car scene disappoints the woman have...

      even if the car scene disappoints the woman have to make up for it :thumbup:
    11. Replies
      1,734
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      you mean same ****ty service as before :P ...

      you mean same ****ty service as before :P

      congrats Jr.! good stuff

      Hi Gabe :wave: hope Cali's been good to you.
    12. Replies
      1,734
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      97,139

      selling my '13 white hatch wrx with 18k miles on...

      selling my '13 white hatch wrx with 18k miles on it if anyone is interested. Asking 25k but have room on price. LMK if anyone is interested. No mods factory boost gauge and spt exhaust. ...
    13. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      a bit of a update here, FYI I talk bond prices...

      a bit of a update here, FYI I talk bond prices yields are inverse to price so as bond prices rise yields fall

      Bonds UP 6 to 104.08

      Bonds broke near term resistance at 104.03, Heading to 50 day...
    14. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      bonds lost 100 bps yesterday but this morning we...

      bonds lost 100 bps yesterday but this morning we got 60 bps back. I am betting we end up where we were prior to the fed speaking. Should slowly creap up this month wouldn't expect much thought maybe...
    15. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      I would do the arm construction loan and refi it...

      I would do the arm construction loan and refi it when its built. Rates shouldn't get out of hand that quickly. I know they recently did but that was due to fed keeping rates lower than the mkt...
    16. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      for those who locked don't be disappointed were...

      for those who locked don't be disappointed were only up 2 bps but this morning we were down 60 bps LOL. think we get a slow n steady improvement for awhile
    17. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      our prayers were answered big ben very gracious...

      our prayers were answered big ben very gracious today :P


      Float your rate locks were going to get better for a good bit.
    18. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      well bonds are all over the place as to be...

      well bonds are all over the place as to be expected. Your going to have to wait until the fed now since no investor is going to have a decent price going into this thing since the uncertainty is so...
    19. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      bonds pulling back from a 60 pt sell off this...

      bonds pulling back from a 60 pt sell off this morning. Now down only 36 bps. If anyone has an application in today and waiting to lock I would be taking a more cautious approach and locking around...
    20. Thread: Mortgage Q&A

      by ruetzal
      Replies
      758
      Views
      84,646

      well the ADP report shot bond prices down and...

      well the ADP report shot bond prices down and yields up. Still lots of data today so I wouldn't worry here. We will have to see how they hold up while Ben is speaking at 1.
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