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Thread: Variable mortgage regret?

  1. #581
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    So to confirm, the great market reader paid 2.43 1.5 years ago when they were offering between 1.7 and 2.3…

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    Quote Originally Posted by Brent.ff View Post
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    So to confirm, the great market reader paid 2.43 1.5 years ago when they were offering between 1.7 and 2.3…
    and doesn't understand what an inverted yield curve is.

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    Quote Originally Posted by Brent.ff View Post
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    So to confirm, the great market reader paid 2.43 1.5 years ago when they were offering between 1.7 and 2.3…
    Could he have signed a 4 year deal say 6 months ago lol
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    Quote Originally Posted by Brent.ff View Post
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    So to confirm, the great market reader paid 2.43 1.5 years ago when they were offering between 1.7 and 2.3…
    You clearly didn’t understand the research.
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    fact.
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    guessing who I might be, psychologizing me with your non existent degree.

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    Quote Originally Posted by Brent.ff View Post
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    So to confirm, the great market reader paid 2.43 1.5 years ago when they were offering between 1.7 and 2.3…
    Not sure about any of that. But the guy who pays attention to market conditions and uses available info to make as informed a decision as he can, paid the best available rate offered by the broker for a 5 year fixed at the time.


    Quote Originally Posted by Buster View Post
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    and doesn't understand what an inverted yield curve is.
    Oh please do tell. lol this should be good.

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    Quote Originally Posted by 89coupe View Post
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    I have brokers sending me rates way lower.

    PM if you want their contact info.
    Done, thanks!

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    Quote Originally Posted by Misterman View Post
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    Not sure about any of that. But the guy who pays attention to market conditions and uses available info to make as informed a decision as he can, paid the best available rate offered by the broker for a 5 year fixed at the time.
    Guy who 'pays attention to available info' didn't note that there was cheaper rates offered by the Beyond broker to negotiate off of and made the 'informed' decision of overpaying for fixed at the time. Yes, you're ahead of me on rate since I'm on variable, but this whole 'i timed the market' is hilarious when I was getting offers for 1.9 at the same time to swap from variable to fixed (and regrettably didnt take it).

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    Quote Originally Posted by Brent.ff View Post
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    Guy who 'pays attention to available info' didn't note that there was cheaper rates offered by the Beyond broker to negotiate off of and made the 'informed' decision of overpaying for fixed at the time. Yes, you're ahead of me on rate since I'm on variable, but this whole 'i timed the market' is hilarious when I was getting offers for 1.9 at the same time to swap from variable to fixed (and regrettably didnt take it).
    So, you planning on staying variable and seeing it through?

    I'm still variable, with hopes that the economy will improve. Given the seemingly endless state of the war in Ukraine though and a looming recession (which usually lowers rates if anything), I'm just waiting to see what happens. I'm almost certain we'll continue to see some pain before it gets better though.

    It's a longer-term play for us, considering we signed right before everything went to shit.

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    Quote Originally Posted by Brent.ff View Post
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    Guy who 'pays attention to available info' didn't note that there was cheaper rates offered by the Beyond broker to negotiate off of and made the 'informed' decision of overpaying for fixed at the time. Yes, you're ahead of me on rate since I'm on variable, but this whole 'i timed the market' is hilarious when I was getting offers for 1.9 at the same time to swap from variable to fixed (and regrettably didnt take it).
    Sorry about your "luck".

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    Quote Originally Posted by Kloubek View Post
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    So, you planning on staying variable and seeing it through?

    I'm still variable, with hopes that the economy will improve. Given the seemingly endless state of the war in Ukraine though and a looming recession (which usually lowers rates if anything), I'm just waiting to see what happens. I'm almost certain we'll continue to see some pain before it gets better though.

    It's a longer-term play for us, considering we signed right before everything went to shit.
    Im a year out from renewal. Sticking with it. I think in the 5 year time frame since this mortgage im still ahead or even so not too salty. Not looking forward to my renewal!

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    Quote Originally Posted by Kloubek View Post
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    So, you planning on staying variable and seeing it through?

    I'm still variable, with hopes that the economy will improve. Given the seemingly endless state of the war in Ukraine though and a looming recession (which usually lowers rates if anything), I'm just waiting to see what happens. I'm almost certain we'll continue to see some pain before it gets better though.

    It's a longer-term play for us, considering we signed right before everything went to shit.
    Us too. We are variable and sure hindsight being 20/20 we would have been better to sign a fixed mortgage but I still think there is mostly upside to a variable mortgage over the full 5 year term. Thankfully we're in a position where the ~$1000 increase in monthly cost hasn't been too hard to absorb (despite it still sucking).
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