Re: [MBZ] OT - Morgages

2011-06-24 Thread Robert Bigham 
Long ago, I read, particularly in Consumer Reports, how credit unions 
are a much better deal for their members, etc.

I tried to put that into practice.  My sad experience is that I always 
could do better at a bank.  That's even before an old friend became 
president of my bank. 

I don't know why, but I do know what.


>  9 and 11. Re: OT - mortgages
 
>Message: 9
>Date: Sat, 18 Jun 2011 17:11:47 -0500
>From: OK Don 
>To: Mercedes Discussion List 
>
>I'd forgotten them. The last time I went to them for a new car loan (1997)
>they were more expensive than a local bank, but it's worth checking.
>Thanks --
>
>On Sat, Jun 18, 2011 at 4:04 PM, Dan Penoff  wrote:
>
>> Don't forget credit unions, too.
>>
>> Our local CU has very competitive rates and products, not to mention they
>> are very good to work with.
>>
>> After all, we're not just a depositor, we're an owner.
>>
>> We are getting closed to wrapping up a short sale (hopefully!) and have the
>> CU on the hook with everything poised and ready to go.
>>
>> I can call my loan officer directly, ask questions, etc., whenever I want.
>>
>> They are so much easier to work with, not to mention that we pay nothing in
>> fees for our bank accounts, and we even earn interest on them (albeit MIT
>> much these days...)
>>
>> Dan
>>
>Message: 11
>Date: Sat, 18 Jun 2011 18:17:04 -0400
>From: Dan Penoff 
>Subject: Re: [MBZ] OT - mortgages
>
>The rates at our CU are competitive, as well them having an in-house title and 
>real estate group that gives discounted fees to members.
>
>We will save about $1500 on our closing costs due to this.
>
>I did shop around for better terms/rates but didn't find any.
>
>Another nice thing is their ability to offer non-traditional products, such as 
>a 20 year mortgage. I couldn't find any any local banks that would do a 20 
>year note - they would only do a 15 or 30 year note.
>
>Dan
>
>Sent from my iPhone
>
>On Jun 18, 2011, at 6:11 PM, OK Don  wrote:
>
>> I'd forgotten them. The last time I went to them for a new car loan (1997)
>> they were more expensive than a local bank, but it's worth checking.
>> Thanks --
>> 
>> On Sat, Jun 18, 2011 at 4:04 PM, Dan Penoff  wrote:
>> 
>>> Don't forget credit unions, too.
>>> 
>>> Our local CU has very competitive rates and products, not to mention they
>>> are very good to work with.
>>> 
>>> After all, we're not just a depositor, we're an owner.
>>> 
>>> We are getting closed to wrapping up a short sale (hopefully!) and have the
>>> CU on the hook with everything poised and ready to go.
>>> 
>>> I can call my loan officer directly, ask questions, etc., whenever I want.
>>> 
>>> They are so much easier to work with, not to mention that we pay nothing in
>>> fees for our bank accounts, and we even earn interest on them (albeit MIT
>>> much these days...)
>>> 
>>> Dan
>>> 


___
http://www.okiebenz.com
For new and used parts go to www.okiebenz.com
To search list archives http://www.okiebenz.com/archive/

To Unsubscribe or change delivery options go to:
http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com

Re: [MBZ] OT - Morgages

2011-06-24 Thread OK Don 
I put an inquiry into the credit union about rates, etc. They still haven't
responded (someone will call you -- ). Mean time, my wife went shopping
at several local banks, came home approved for a 3.8% loand - I just had to
add my signiture to the papers. Fast, pleasant, curtious, nd effecient
process (so far).

On Fri, Jun 24, 2011 at 4:05 PM, Robert Bigham <
edward_baldh...@earthlink.net> wrote:

> Long ago, I read, particularly in Consumer Reports, how credit unions
> are a much better deal for their members, etc.
>
> I tried to put that into practice.  My sad experience is that I always
> could do better at a bank.  That's even before an old friend became
> president of my bank.
>
> I don't know why, but I do know what.
>
>
> >  9 and 11. Re: OT - mortgages
>
> >Message: 9
> >Date: Sat, 18 Jun 2011 17:11:47 -0500
> >From: OK Don 
> >To: Mercedes Discussion List 
> >
> >I'd forgotten them. The last time I went to them for a new car loan (1997)
> >they were more expensive than a local bank, but it's worth checking.
> >Thanks --
> >
> . 
> --
>
OK Don
2001 ML320
1992 300D 2.5T
1990 300D 2.5T
1997 Plymouth Grand Voyager
___
http://www.okiebenz.com
For new and used parts go to www.okiebenz.com
To search list archives http://www.okiebenz.com/archive/

To Unsubscribe or change delivery options go to:
http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com

Re: [MBZ] OT - Morgages

2011-06-25 Thread Rich Thomas 
Wow, that is pretty good.  We just did a refi yesterday at 4.25%, which 
I though was a good deal.  Dropped our payment quite a bit for a shorter 
term too.


--R

On 6/24/11 9:10 PM, OK Don wrote:

Mean time, my wife went shopping
at several local banks, came home approved for a 3.8% loand - I just had to
add my signiture to the papers. Fast, pleasant, curtious, nd effecient
process (so far).



___
http://www.okiebenz.com
For new and used parts go to www.okiebenz.com
To search list archives http://www.okiebenz.com/archive/

To Unsubscribe or change delivery options go to:
http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com

Re: [MBZ] OT - Morgages

2011-06-25 Thread andrew strasfogel 
Jumbo or petite  loan?

On Sat, Jun 25, 2011 at 9:44 AM, Rich Thomas <
richthomas79td...@constructivity.net> wrote:

> Wow, that is pretty good.  We just did a refi yesterday at 4.25%, which I
> though was a good deal.  Dropped our payment quite a bit for a shorter term
> too.
>
> --R
>
> On 6/24/11 9:10 PM, OK Don wrote:
>
>> Mean time, my wife went shopping
>> at several local banks, came home approved for a 3.8% loand - I just had
>> to
>> add my signiture to the papers. Fast, pleasant, curtious, nd effecient
>> process (so far).
>>
>>
> __**_
> http://www.okiebenz.com
> For new and used parts go to www.okiebenz.com
> To search list archives 
> http://www.okiebenz.com/**archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/**mailman/listinfo/mercedes_**okiebenz.com
>
___
http://www.okiebenz.com
For new and used parts go to www.okiebenz.com
To search list archives http://www.okiebenz.com/archive/

To Unsubscribe or change delivery options go to:
http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com

Re: [MBZ] OT - Morgages

2011-06-25 Thread Curt Raymond 
Wish I could refi, we're stuck at 7.35%. I can't find anywhere that will refi 
at 170% of value. I'll need to pay off something like $25k more before anybody 
will even look at it. Currently the principle payback is like $210/mo. I've 
been adding a little to it but we've got our 10 anniversary vacation coming up 
so I'm socking away some for that.

-Curt

Date: Sat, 25 Jun 2011 09:44:38 -0400
From: Rich Thomas 
To: Mercedes Discussion List 
Subject: Re: [MBZ] OT - Morgages
Message-ID: <4e05e646.2070...@constructivity.net>
Content-Type: text/plain; charset=ISO-8859-1; format=flowed

Wow, that is pretty good.  We just did a refi yesterday at 4.25%, which
I though was a good deal.  Dropped our payment quite a bit for a shorter
term too.

--R

On 6/24/11 9:10 PM, OK Don wrote:
> Mean time, my wife went shopping
> at several local banks, came home approved for a 3.8% loand - I just had to
> add my signiture to the papers. Fast, pleasant, curtious, nd effecient
> process (so far).
>



___
http://www.okiebenz.com
For new and used parts go to www.okiebenz.com
To search list archives http://www.okiebenz.com/archive/

To Unsubscribe or change delivery options go to:
http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com

Re: [MBZ] OT - Morgages

2011-06-25 Thread Rich Thomas 

HAve your note holder look into this HARP thing.

--R

On 6/25/11 12:22 PM, Curt Raymond wrote:

Wish I could refi, we're stuck at 7.35%. I can't find anywhere that will refi 
at 170% of value. I'll need to pay off something like $25k more before anybody 
will even look at it. Currently the principle payback is like $210/mo. I've 
been adding a little to it but we've got our 10 anniversary vacation coming up 
so I'm socking away some for that.

-Curt

Date: Sat, 25 Jun 2011 09:44:38 -0400
From: Rich Thomas
To: Mercedes Discussion List
Subject: Re: [MBZ] OT - Morgages
Message-ID:<4e05e646.2070...@constructivity.net>
Content-Type: text/plain; charset=ISO-8859-1; format=flowed

Wow, that is pretty good.  We just did a refi yesterday at 4.25%, which
I though was a good deal.  Dropped our payment quite a bit for a shorter
term too.

--R

On 6/24/11 9:10 PM, OK Don wrote:

Mean time, my wife went shopping
at several local banks, came home approved for a 3.8% loand - I just had to
add my signiture to the papers. Fast, pleasant, curtious, nd effecient
process (so far).




___
http://www.okiebenz.com
For new and used parts go to www.okiebenz.com
To search list archives http://www.okiebenz.com/archive/

To Unsubscribe or change delivery options go to:
http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com



___
http://www.okiebenz.com
For new and used parts go to www.okiebenz.com
To search list archives http://www.okiebenz.com/archive/

To Unsubscribe or change delivery options go to:
http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com