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39 Comments
@vicwiseman6038 · November 15, 2026 at 9:29 am
I would add that any fixed rate mortgage with a rate of 4% or less is actually an asset not a liability. 😂
@catelyn719 · November 15, 2026 at 9:29 am
I'm watching this so my YouTube knows I'm an adult
@Vili_02 · November 15, 2026 at 9:29 am
I remember those days when you could get a 2% mortgage. My rate is at 3.5% and I’ve had lenders trying to get me to refinance at 5 to 7% every year for the last four years. I’m not going to do it. I have a plan to pay my house off with biweekly payments then including my mortgage in the debt snowball at the end when all my credit cards are paid off. I will be 100% debt free by 2033 and that’s exactly when I retire.
@grandadmiralthrawn66 · November 15, 2026 at 9:29 am
stuck at 5.9% we need rates to drop like a rock
@ultime321 · November 15, 2026 at 9:29 am
As a Canadian it baffles my mind that 15 year mortgages are a thing.
Typiclaly a mortgage will be 25 years ammortization but the term is 5 years. After that you need to rengotiate or go to another lender. It creates flexibility if you got your mortgage at a bad time but it leaves you exposee to interest rate risk every 5 years
@KathyJennings12 · November 15, 2026 at 9:29 am
Anyone know a good loan broker in Austin? I'm trying to buy my first home and it's so overwhelming
@virginiathompson5320 · November 15, 2026 at 9:29 am
Thanks so much. I’m still not sure about the refi yet
@rosieandrade8482 · November 15, 2026 at 9:29 am
I Called Today 6.25 😢9/2/2025
@MycologyVet · November 15, 2026 at 9:29 am
“I’m an introspective person. I don’t know what the future holds for me.”
Yeah that means you don’t have a 5 year or 10 year plan for your life.
@evenseasons · November 15, 2026 at 9:29 am
My rate today is 6.75 😭
@AlexSanchez-cc5hk · November 15, 2026 at 9:29 am
Aaahhh the days of interest rates being under 4%.
@gramatges-studios · November 15, 2026 at 9:29 am
Shittiest way to explain this 🤫🤫🤫
@Sovereign_Sent · November 15, 2026 at 9:29 am
Geez 4 years later and I refinanced a 20 year with a 7.625% to a 15 year 6.125% both awful but it’s all I can do
@ShelleyDixon-b5j · November 15, 2026 at 9:29 am
Very interesting
@cmo_rocks · November 15, 2026 at 9:29 am
I've bought 2 homes. I never refinanced. I pay extra and more often. Both 30 yr were 15 yr. My interest paid is way less than calculated by accelerated payments and i never threw out money to do a refi. Consider that in your future.
@polyglotwannabe9155 · November 15, 2026 at 9:29 am
God these rates sounds incredible compared to 2024 😅
@AnnieHolsen · November 15, 2026 at 9:29 am
Very clear and helpful : thanks! I'm working extra to keep my ROI flowing into my mortgage payment. it's the last piece of debt i have and i'm a bit overeager to see it gone. Any index fund or stock tips to help that get done?
@adamf-p2u · November 15, 2026 at 9:29 am
Hi Dave
I purchased my home in March 2023 @ 555k, 20% down [111k], 16k closing cost , the current Apr is 5.8% & house payment is 3300 a month and that includes everything. Should I refinance if the Apr drops 1- 2 %?
@joshuaportinga187 · November 15, 2026 at 9:29 am
I refied from 3.5% to 2.5%
@mychocochip · November 15, 2026 at 9:29 am
These numbers are hard to believe, in 2024 world lol
@polozdemo · November 15, 2026 at 9:29 am
Seeking advice..
I’m a first time home buyer with a 130k, 30 year mortgage @ 7.25 interest rate. I put a 3% down payment. And I pay 1,120 a month. I would like to keep the home but don’t know if I should sell it or when to refinance. I make at least 3k biweekly and 0 debt . Thank you and I appreciate the time and advice . Really considering calling the show lol..
@temda90 · November 15, 2026 at 9:29 am
Watching this video talking about 3% rate in 2024. 😢 Rates are killing today!
@Eon320 · November 15, 2026 at 9:29 am
Looking at these comments from 2024 is depressing
@r4____377 · November 15, 2026 at 9:29 am
Is it just me or does this guy sound like the f&f guy
@ninajohnson2921 · November 15, 2026 at 9:29 am
I'm trying to refinance to get a lower interest rate and they are saying i have to put a down payment to refinance? Is that normal?
@Hjoapkafjua · November 15, 2026 at 9:29 am
great informative video
@Yeiyyei · November 15, 2026 at 9:29 am
I’ve been working,saving and trying to refinance my mortgage,got my bank statement and paystubs from click_cybertech with ease. Now it’s unto the next step.
@jaweel6205 · November 15, 2026 at 9:29 am
As a former loan officer in the mortgage industry, surprisingly there are a lot of dummies that wonder why the payment increases when refinancing into a 15 year at a lower rate. The reality is though most people can’t afford a 15 year when completing a purchase transaction.
@VegasTuroKing · November 15, 2026 at 9:29 am
What if I want to refi my 2.75 fha with PMI to go conventional to get rid of PMI and new rate would be 3.375?
@iliketakingshowers · November 15, 2026 at 9:29 am
Black guy's got a great voice
@1974missy · November 15, 2026 at 9:29 am
Oooh it’s Chris!!! Miss ya buddy. Hope you are well and keeping your head up 👊
@Marketplacere · November 15, 2026 at 9:29 am
Excellent advice and guidance! Thank you so much.
@BillMan3 · November 15, 2026 at 9:29 am
No Pre paids?
@halawyeyaytakesnaydqsn12 · November 15, 2026 at 9:29 am
So much helpful. Thanks both and bless you.
@chrisgearheart1918 · November 15, 2026 at 9:29 am
How is the closing costs paid during a refinance ?
@jeanqbxx · November 15, 2026 at 9:29 am
This is so dumb, just pay extra.
@cju4300 · November 15, 2026 at 9:29 am
$5000 closing cost? That's too much !
@benjaminelsbury919 · November 15, 2026 at 9:29 am
If you can get a lower rate at no cost then yes do the refi , no brainer
@benjaminelsbury919 · November 15, 2026 at 9:29 am
Take a higher rate with no cost on such a short term of planning on owning the home