u/KaleidoscopeFirst737

I told myself I would upgrade my phone for my birthday just year and instead of getting the 17 Pro Max I just confirmed my order for the 10 Pro XL

I’ve read a lot of good and a lot of bad but honestly I’m looking forward to the change up.

I’ve been an iPhone user for the past 5 years and have always had the “latest and greatest”

The whole time I tried to utilize all the apps, gadgets, iPads, MacBooks, etc… but have never felt comfortable with them in a way I was hoping.

Over the years I’ve gravitated to mostly using all of googles apps and most recently I switched from a daily ChatGPT user to Gemini. Once that happened I felt like it was a no brainer to jump all in.

I know a new Pixel is dropping in a couple months. Thankfully I can upgrade any time with my current cell plan so all works out, I’ll probably get that shortly after it comes out.

Tips from anyone who’s made a similar switch would be greatly appreciated. I’m excited for the AI integration. Apple has really been lacking in that arena all of my family uses iPhones though so I’m sure there’s gonna be some hurdles to get over.

Just wanted to share my situation for anyone that might be looking to refi and wants to know what’s possible…. And also get a little feedback from some more knowledgeable folks.

Bought my first house last year. 6.75%. Got a message to streamline refi a couple weeks ago and I took the bait.

After going back and forth with my current lender and my buddy who’s a broker, I was offered a 5.99 which I thought was a little high. One week later, I just signed my disclosures for a 5.5% and lowering my monthly payment by $230. My CTC is only $2500 and my loan amount is $1,700 more than my original loan amount. They re using some points to get that rate but they included a huge credit to offset basically all the cost.

Where I am is considered the Midwest. Not sure if that matters. Set to close this Saturday but I’m pretty stoked to drop 1.25% and lower my monthly that much.

At the same time, I’m fairly new to this and hoping I didn’t leave anything on the table. All the info I’ve seen, 5.5% seem like a nice, aggressive rate for the current market.

For reference, my credit is Good (low 700’s) but not “Great”