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Glacier
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About Glacier
- Birthday 03/15/1964
Profile Information
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Location
Illinois
Recent Profile Visitors
631 profile views
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StarkRaven$ reacted to a post in a topic: Yes stupid question but does 0% , really mean no interest?
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Yes stupid question but does 0% , really mean no interest?
Glacier replied to Killbadcredit's topic in Automotive Financing
If you are still paying on the car, and you decide, you may be able to cancel the GAP, get a pro-rated refund to the balance of your loan. -
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Yes stupid question but does 0% , really mean no interest?
Glacier replied to Killbadcredit's topic in Automotive Financing
KBB does not buy and sell cars, they aggregate data, and use the data to come up with their "value." When I went to sell a vehicle outright, they had an option of getting cash offers from dealers. Those offers ranges from $2,000 to $6,000 below what KBB said I should be able to obtain from a dealer as "Trade-In." -
hegemony reacted to a post in a topic: Debt Collectors Have Made a Fortune This Year. Now They’re Coming for More.
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Glacier reacted to a post in a topic: Hi equity but work for myself in Texas - how can I get approved for a refi?
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You may get more views if you post in the Main Credit Forum.
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When I refinanced, the lender that I used, required me to fund my escrow (No option to roll into the loan, and I would not have done that anyway), with a balance approximate to what the balance of the escrow was with my original lender. Once the original lender received full payment of the mortgage, the original lender sent me a check for the escrow balance I had with them. The balance of the escrow was not transferable between lenders.
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If you keep for a rental, most lenders usually require 2 years of rental income for that to be counted as income for your DTI, so look to see if current income could support the 2 mortgages.
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Mine was a 1973 Chevy 3/4 Ton pick up.
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Looking for advice on a new laptop for basic tasks
Glacier replied to cv91915's topic in General Discussion
I have been using ESET for years privately with no issues. -
Words, Phrases and Other Stuff that Annoys Me
Glacier replied to cv91915's topic in General Discussion
We had one last Friday and sadly a repeat again today. It is obvious some start very early in the day. Considering our policy of not going back to work, or currently working after/while having an adult beverage, I'm sure if they spy on the webex, there may be some discipline. -
MarvBear reacted to a post in a topic: 1 year post BK w/ 1 year of perfect auto credit, odds of special APR on a CPO Honda or Toyota?
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Corona Virus. Upswing in work at home?
Glacier replied to cashnocredit's topic in General Discussion
We switched to Teams last year. No one is happy with it. -
I have one of those, and just love it!!
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Beginning of the End for Sears and K-Mart?
Glacier replied to IndyPoolPlayer's topic in General Discussion
Not sure about the stores, but for home office layoffs there are no more severance packages. -
Not sure about credit wise, but since neither house has been rented for over 2 years, you may not be able to use rental income as income when calculating DTI, so adding a new mortgage may be difficult that way.
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Since you are wanting to pay your mortgage off early, you should add the amount of the interest to your principle payment each month. Ask WF how.