After the full start period, they prorate the shingles and drop the labor.Wind warranty - most 25 - year shingles only have a 60 mph wind warranty while 30 - year old have 110-130 depending on how many nails.For $400 more, it makes sense to go with 30 year shingles for curb appeal and better warranty.

NFCU has the same loan policy, but they waived it in my case.I'm currently at 100% utilization, and my credit score dropped by 20 points [my overall utilization is 10%].  

And drive across the state line and gas instantly drops $1+ per gallon.

I’m thinking about dropping out of college.

I was a Secondary Mathematics Education Major before I dropped out.

I'll drop by the thread w/ some insight.

@Jason Arcuri that makes sense, I’ll drop down to 1.5% and see how the numbers work out.

As you say, depending on the numbers we can think about whether or not to bring some money to closing hoping to recoup that with in a couple of years with the rate drop.

Maybe consider giving them the second month free or last month.There's something wrong if you're dropping prices and offering incentives with no response.

Since then I moved rents up to $2,590/month but with the rental market softening and having a tenant move out early that'll drop to $2,475/month here shortly.Overall it was a great decision and the numbers worked well after I moved out!