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发表于 2010-10-15 02:02 PM
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MMD，真是提前共产主义，比共产主义还共产主义，俺爸妈那会儿分房，还要按工龄排呢，这米国，直接 ...
Cobra 发表于 2010-10-15 15:50 
One of the writers suggested refinancing at the current low rates. We bought a house for about 1,000,000 through Indy Mac with nothing down and an adjustable based on the LIBOR. My brother in law was a mortgage broker and he got 40K for selling us the loan. Refinancing to a current mortgage would not do much since the current rate is so low. Now the house is worth about 550,000 and we have another 200,000 that we took out on a second that represents a remodel and paying off our credit cards and a new car since the other one was three years old. The problem is not the interest expense since it is so low. The problem is living with the fear that at some time the rates will go up and we will be paying 6% on all this. That is why we have not paid the mortgage for 18 months now although we pay the second. Amazingly the bank doesnt call us, write us or do anything. I called once about it and the lady said….dont call us we will call you…..just maintain the place and stay there for now….. We really would like to move into something smaller and cheaper but because they will not foreclose it is kind of hard to justify giving up free rent… My sense is that the bank does not want to take the house. What do the readers think? In saved rent I think we have saved up over 80,000 at least. It it takes another year we might have saved up 130K in cash. We are not rich….we are just typical California public workers…….neither of us makes more than 150K per year but we do have gold plated healthcare and pensions locked in. What should we do? Should we wait until the bank gives us the title to the house for free? |
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