Mortgage Loan: Closed

[gone-ot]

Originally Posted by Cobb

You never really own your home, there are always other fees, taxes and bills you need to pay. Opps, forgot to say HOA too. In Richmond they charge you for storm water run off based on the sq ft of your land and if you own a condo they go based on the whole complex vs your little unit rather its in a single or multi story unit.

Congrads otherwise, however they may charge a fee for the final deed or paper work. Where I use to work you had to pay to get your car title once you paid for your car in full.

...exactly, you've just exchanged MONTHY payments for ANNUAL tax payments...albeit less costly.

[vacationtime247]

An insight would be sweet. But my daily driver is still the diesel Tempo.
My wife paid the monthly bills, cable, electric, gas, water, sewage. I paid off the mortgage. Bought and sold 9 cars since the beginning of the year. Indiana makes it easy to flip cars. All of that $ went towards payoff. Plan is to move to Crescent City California and downsize. Work as a nurse, mechanic or truck driver. Keep the house in Indiana and have a trailer bought in Cali. At any rate, live as close to being debt free as possible in a place we both love and at a job that doesn't suck.
I can't wait to get there. So close and worked so hard at accomplishing this goal. Now it's time to hustle up some quick cash and make this dream a reality.

[H-Man]

I used to live in crescent city. Protip: the hospital is nicknamed 'Slaughter Coast' for a reason.
Though delnorte county doesn't have to deal with smogging, so you can run straight pipes and a 20:1 AFR.

[NachtRitter]

Congratulations! Awesome accomplishment! Paid mine off a few years ago and it is definitely an amazing feeling...!

[Mustang Dave]

Paid mine off in 2002. It's a great feeling. Congratulations!

[vacationtime247]

H-Man, how did you like living in Crescent City? The times I've gone, it's been awsome! Know that sometimes things are different when living there. What's been your experience there?
VT247

[War_Wagon]

Originally Posted by vacationtime247

Bought and sold 9 cars since the beginning of the year. Indiana makes it easy to flip cars.

Sold! Forget the Dakotas lol.

[H-Man]

Originally Posted by vacationtime247

H-Man, how did you like living in Crescent City? The times I've gone, it's been awsome! Know that sometimes things are different when living there. What's been your experience there?
VT247

If you need a doctor for more than a sore throat, you have to drive to Eureka to get a competent one.
It rains so much in crescent city that if you don't have air conditioning, you will have black mold (caused years of seizures for me, thus many trips to eureka trying to figure it out, moving back to southern California made the seizures go away. )
Have you ever been to Ojai? About the same size, but the people seem to be friendlier here.

[shorttimer]

Congrats for sure! I'm paying my last payment on Monday. Yes, with property tax, outright ownership isn't possible, however, I'll be OK with that instead of paying that plus a mortgage too. By paying early I saved 60K in interest. That will pay a lot of property tax.

[gone-ot]

Originally Posted by shorttimer

Congrats for sure! I'm paying my last payment on Monday. Yes, with property tax, outright ownership isn't possible, however, I'll be OK with that instead of paying that plus a mortgage too. By paying early I saved 60K in interest. That will pay a lot of property tax.

...we paid-off our 30 year mortgage 4½ years early because we sent in more than the monthly payment, so we owned our house free-n-clear when we both retired. But, it was a sudden 'surprize' how much the taxes and insurances were when they come "due" the first year, because, before, they were 'part' of the monthly payment. Now, they're just two BIG bills, each year.