I'm paying locally right now (on a 2-4 conforming 30y loan), assuming 0 points and a ~$400k loan:- $2k origination- $495 appraisal- $90 tax/flood/credit report- $650 lender's title- $575 escrow settlement- $96 county recording- Transfer taxes, if purchased ... no taxes if refiAnd, best rate I see for that right now is 3.625% for a SFH and 4.0% for a 2-4.I'm an expert consumer on this, but not an expert lender - there's plenty of others who live and breath this and can provide lots more insight than I can.

The terms for the 15-yr loan sound pretty good actually, but a 30-yr would provide lower monthly payments and give you more breathing room in case of vacancy.

Account ClosedThank you, I sent the notice to quit out today, so I may be able to slip by without going to court, but I'm not holding my breath.

I know the beginning is a heady combination of thrill and terror, so just breathe. 

Eat sleep breathe real estate that is.

Don't hold your breath as you can't bleed a rock. btw:  I wrote off $9500 of damages as the guy became both homeless and jobless.

What a headache when snow hits.....On Sacremento, I used to have a coworker sit next to me, this is about 4 years ago, who went to Sacremento and bought like 3 foreclosures in one breathe, for like $100K each, if I am remembering correctly....

The upstairs tennant asked that I remove the one near his door due to his breathing.

As far as I am concerend, we all can guess bottom numbers in the stock market until we run out of breath.

Originally posted by Tom Cullen:Either way it is a waste of breath.