u/PBfalcone

400k loan
6.5%
390089 left
Almost 2 years

Spoke with agent about eligible irrrl from my mortgage co. He explained that they do a flat fee of about $3,130 and that would be rolled into loan. My rate would go from 6.5 to 6.0 and showed that I would be saving approx $200. He sent over the forms to “lock in” They showed the cost would be 9800 and save $80 and break even was like 132 months. What’s crazy is this is the second time we looked into this and the same thing happened. Am I missing something, I don’t understand? Has this happened to anyone else? Thanks for any advice

I had the rest of my teeth left in my mouth (20) extracted July 16th. I was supposed to receive immediate dentures the next day but my dentist said I was too swollen and needed to heal more. I went back the 28th of July, and was very disappointed with the dentures they made for me. My bottom teeth jut out in front of my uppers, and they are extremely loose. It sounds like I have a gobstopper in my mouth when I talk and eating is not possible. The dentist even said that the bottoms were too big and that I should just wear the uppers until my permanent ones were ready? Which I found out is at least going to be 3 months? WTF, I am a teacher and I have to go back to work August 14th! I asked for another bottom to be made but she said that wasn’t possible and that the immediate set was for aesthetics only. Is that true? I have an adjustment on the 11th but I have no idea of what to expect. I thought the immediate would allow me to practice eating and speaking after a week based on many other people’s experiences. I have been contemplating going and getting implants on my own and spending the 50k to get the implants done myself. However there is a chance that the VA will do the implants for me (no charge) as long as my bone density would support them.

I’m gonna say 130