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Date Posted: 13:51:31 11/09/09 Mon
Author: Jeffman
Subject: Re: I think I promised to mention this when it happened
In reply to: Paul Davis 's message, "I think I promised to mention this when it happened" on 10:57:29 10/30/09 Fri

Nice... most people were not so lucky to get ARMS that set that way. Most got ripped with ARMS that only went up and they did so on schedules.

But.. congrats!!! Nothing like screwing the financial folks at their own game.

>About six years ago, if you folks still recall it, I
>bought a house, on an ARM loan. At that time, they
>had this teaser rate thing going, and all kinds of
>warnings about how it would go up. Told them then
>(and mentioned it here IIRC) that the overall rates
>were going down, and in a few years I'd be paying less
>than that teaser rate. Nobody believed it, in that
>signing or here either.
>
>Well, next month I'm paying less than the starting
>payment. I held out through tons of advice and banker
>warnings about "refi now, just give us 5K and lock in
>this interest rate". Funny thing, haven't seen one of
>those for a while, LOL. Wonder why?
>
>And I wonder if some poor son of a gun is tearing out
>all his hair over my loan. They can't be making any
>money off of it now, and they have to know I'll sue
>them for everything up to and including their other
>shirt if they mess with me. :)

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