Best posts made by gremln007

@mistercheap

So excited to see this new forum!

These t-shirts are the best! Will be buying more for sure.

2.5% cashback w/ Rakuten/ebates

Thanks OP! Green for you

My first PhW hotdeal!

This thread’s purpose is to consolidate discussion of all HELOCs and list current best rates and fees.

DEFINITION OF HELOCS- (To be added)

WHY GET A HELOC EVEN IF YOU DONT NEED ONE!
HELOCs have many advantages, even if left “untapped” and NEVER USED!

AND NOW FOR THE BEST HELOC DEALS (not in particular order)

Please try to organize by lowest rates. Current (31 Dec 2016) prime rate 3.75%

1. https://www.hfcu.org/ Rate is (0.5% below Prime) for 75% LTV and Prime for 80% LTV. They do a free appraisal if they cannot get the value of the home in the Home Value Estimator (drive by for less than 250K in loan value, more detailed for loans more than 250K). They offer a no closing cost HELOC with the option to lock to a fixed rate [MAY need to pay $200-300 recording fee, but in IL at least absolutely no fees]. BUT: They don’t lend to Texas! As of December 2015, Hanscom has reduced their CA HELOC LTV to 50%.
   [One member had an isolated “BAD EXPERIENCE”. Another found them very responsive and easy to deal with.]

1.5 Please try to organize by lowest rates. Current (31 Dec 2016) prime rate 3.75%

1. https://www.hfcu.org/ Rate is (0.5% below Prime) for 75% LTV and Prime for 80% LTV. They do a free appraisal if they cannot get the value of the home in the Home Value Estimator (drive by for less than 250K in loan value, more detailed for loans more than 250K). They offer a no closing cost HELOC with the option to lock to a fixed rate [MAY need to pay $200-300 recording fee, but in IL at least absolutely no fees]. BUT: They don’t lend to Texas! As of December 2015, Hanscom has reduced their CA HELOC LTV to 50%.
   [One member had an isolated “BAD EXPERIENCE”. Another found them very responsive and easy to deal with.]

1.5 https://www.towerfcu.org/borrow/home-equity-options/ (new link, 9/23/2017)
Rate is (0.5% below Prime) and NO closing costs or fees. With a rate of (prime -.50%), a home equity line of credit gives you a credit line from $5,000 to $312,700 when the credit limit does not exceed 80% of the equity in your home. A credit line greater than 80% of your home’s equity is available up to $250,000 at a rate of (prime + 1%). NOTE: They don’t lend to Texas.

2. https://www.deltacommunitycu.com/personal/loans/home-loans/home-equity-line-of-credit.aspx
   08/27/12 No rate info on HELOCs. Rate for 80% LTV (0.25% under prime) and for 90% LTV (0.25% over prime). They do not have a no closing cost HELOC but the closing costs are around $100 (if they do not need an appraisal). Will not do HELOC in Texas.

2.5 https://www.dcu.org/loans/home-equity-plus.html
No annual fees, closing costs or points. Rate is (0.25% under prime)
Minimum monthly payment – Only 1% of outstanding balance. Borrow up to 80%* of your home value minus your first mortgage.
Available in all states with the exception of TX, CT, NC, WI and WV.

3. Secny FCU Indicates promotional rate of 1.99%. No info on term or regular rate.
   01/21/10 Indicates promotional rate of 1.99%. No info on term or regular rate.
   2.99% for first yr. then adjusts to prime minus 0. Can borrow between 10-150k.Confirmed by phone 2/17/10
   80% max LTV, no closing cost, but must keep for 3yrs. minimum, otherwise must pay closing costs.

4. Agriculture FCU Prime minus 0%. No point no fee. However, their underwriting tends to make their own rules as they go on - Beware

5. Pentagon Federal Credit Union - Prime minus 0%. No point no fee. There is a minimum rate floor of 3.75% APR and a maximum rate of 18% APR. You have to pay for an appraisal. Their current rate is 3.75% and their underwriting sucks.

6. NEW - https://www.sandyspringbank.com/ - Intro rate of 2.75 fixed for first 12 months, prime minus 0.50% subject to 3.25% floor after the intro period on lines of credit of $125,000 or higher, up to 85% LTV. All closing costs paid including full appraisal; must be repaid if closed within three years. Very smooth underwriting process and great customer service. Based on terms posted https://www.sandyspringbank.com/media/8096/ssbloanrates.pdf, eligible properties must be in “certain counties in Maryland and Virginia,” so you basically have to be in their market area to qualify. Rate is (0.5% below Prime) and NO closing costs or fees. With a rate of (prime -.50%), a home equity line of credit gives you a credit line from $5,000 to $312,700 when the credit limit does not exceed 80% of the equity in your home. A credit line greater than 80% of your home’s equity is available up to $250,000 at a rate of (prime + 1%). NOTE: They don’t lend to Texas.

7. https://www.deltacommunitycu.com/personal/loans/home-loans/home-equity-line-of-credit.aspx
   08/27/12 No rate info on HELOCs. Rate for 80% LTV (0.25% under prime) and for 90% LTV (0.25% over prime). They do not have a no closing cost HELOC but the closing costs are around $100 (if they do not need an appraisal). Will not do HELOC in Texas.

2.5 https://www.dcu.org/loans/home-equity-plus.html
No annual fees, closing costs or points. Rate is (0.25% under prime)
Minimum monthly payment – Only 1% of outstanding balance. Borrow up to 80%* of your home value minus your first mortgage.
Available in all states with the exception of TX, CT, NC, WI and WV.

3. Secny FCU Indicates promotional rate of 1.99%. No info on term or regular rate.
   01/21/10 Indicates promotional rate of 1.99%. No info on term or regular rate.
   2.99% for first yr. then adjusts to prime minus 0. Can borrow between 10-150k.Confirmed by phone 2/17/10
   80% max LTV, no closing cost, but must keep for 3yrs. minimum, otherwise must pay closing costs.

4. Agriculture FCU Prime minus 0%. No point no fee. However, their underwriting tends to make their own rules as they go on - Beware

5. Pentagon Federal Credit Union - Prime minus 0%. No point no fee. There is a minimum rate floor of 3.75% APR and a maximum rate of 18% APR. You have to pay for an appraisal. Their current rate is 3.75% and their underwriting sucks.

6. NEW - https://www.sandyspringbank.com/ - Intro rate of 2.75 fixed for first 12 months, prime minus 0.50% subject to 3.25% floor after the intro period on lines of credit of $125,000 or higher, up to 85% LTV. All closing costs paid including full appraisal; must be repaid if closed within three years. Very smooth underwriting process and great customer service. Based on terms posted https://www.sandyspringbank.com/media/8096/ssbloanrates.pdf, eligible properties must be in “certain counties in Maryland and Virginia,” so you basically have to be in their market area to qualify.

Got this in my mail recently. Others may have been affected, so look for a settlement notice (a few pages folded over).

Pertains to Ally Financial leases and lease buyouts.

More info in this article:

https://topclassactions.com/lawsuit-settlements/lawsuit-news/850231-ally-financial-reaches-20m-hidden-fees-class-action-settlement/

Claim form and other info–
http://www.dealerfeesettlement.com/home/faqs/#q1

Thanks OP.

PSA: They are addictive!

@frugalfreak said in Post your favorite windows software thread:

Paint shop pro

Wow… Haven’t thought about PSP in YEARS!

Jasc sounds familiar too.

On another note, CutePDF is awesome and everyone should install it.

@geezlouise said in TP-Link Kasa Smart Wi-Fi Plug Mini $10 A/C + FS w/Prime @ Amazon:

Also adding that I love the TP Link smart home products. I have several - Wi-Fi plugs, smart switches and smart light bulbs - and no additional hub required. Everything is easily controlled via the Kasa app from anywhere in the world or an AI device like Echo when you are at home. Everything is easy to set up - this is smart homes for dummies and at this price a great way to test the waters on this system if you haven’t already.

Could not have said it better. I have the bigger version of this and they are great. I am tempted to buy some of these but I don’t need any more…

Rats! I’m over the age and weight limit

One by me but for $89.50.

PSA: I just received the email promotion today, so be on the lookout.

Thanks OP! It’s always a good idea to have one of these…

Thanks again @fivetalents ! Also thanks @KohlsPowrShopper for the 10% off code.

3x cashback with ebates, so 10.5% off. Procrastinators, now is your time to buy Rosetta Stone!!

Great deal at both stores. Michaels does free shipping if you spend more than $49… Buy t-shirts for all your friends and family??

@kohlspowrshopper said in Gildan Men's Short Sleeve Crew White T-Shirt, 6-Pack $10 + FSP @ Walmart:

Michael’s offers these in 32 colors (including white); currently $2.66 after 20% off, but often $2 each or less with coupons…

https://www.michaels.com/gildan-short-sleeve-adult-tshirt/10277943.html#q=gildan&start=2

This dropped to $2 per shirt. Listed as doorbuster.

Thanks @ctgolfer and @KohlsPowrShopper for this post. I picked up my shirts yesterday from Michael’s. Quality is much better than the Hanes t-shirts I have been wearing for years. I had never been in a Michael’s store… It was a strange place Pickup was easy and quick.

This is the IP I have. It is awesome. Use it all the time.

This may be the best price ever with coupon applied.

excellent movie!

Awesome deal. Thanks OP!

$2.56 before tax before. I did slow ship as @MrVietnam did.

FYI: this did not show as an add-on item for me. I was able to order it by itself.

Pretty sure this is the monitor have at work. Purchased about 3 months ago for $199 from Best Buy. It’s great!

Incredible price!!

Is the keyboard sold separately?

This thread reminds of the crazy threads on FW where people would stock on wiper blades. I never understood it but I loved the excitement of folks hitting Sears and getting 20 sets.

Just got this today:

For a limited launch special, use promo code JUNE149 at checkout and pay just $1.49/lb.

Expires 2/10.

I pulled the trigger on this. Got another email with a new customer code and then one about first order. Got the price down to 99 cents again. I will post back in July once I have eaten some of it.

@ctcarl said in Daisy Outdoor Products Model 1938 Red Ryder BB Gun $19.99 + FS w/Prime @ Amazon:

“You’ll shoot your eye out, kid!”

Good job! Came here just to see the obligatory quote I knew I could count on you guys.

Thanks @ctgolfer !

I am starting to feel like your my personal shopper or maybe deal hunter

Great deal!

Can some of the pros direct me on the best ways to save at Lowe’s? I have a larger purchase coming up (approx $1,100). I see gift cards being offered here often but I usually do not see them fast enough… Thanks in advance for any info!!

My favorite news channel! Thanks @MrsGuin

This channel is available on Roku and Apple TV by the way.

Great deal! We use ours 2-3 times per week. Used it 2x today!
This is a great price - same as prime day 2017 when I bought ours.
Get one - it will change your life

@mrvietnam You should be able to save the image and print it. ie not print the web page. Should look original if you do that. Hope this helps.

Looks like it is already out of stock. Rats! I was looking for a set.

Any tips on saving money on Rosetta Stone? They have a couple of monthly subscription options. However, they must be paid in large blocks of months or years; no real savings then.

Thanks for any input!

@ctgolfer said in Rosetta Stone (language learning) software:

Peanut Labs and other free credit type sites tend to have free trial offers of various Rosetta Stone Language software. World Golf Tour is an online game that I get free credits for, rather than paying into the game. I would imagine that there are many others like that out there

Not sure I follow… Peanut Labs appears to be a survey site for people who host web sites. Are you suggesting that I could earn credits toward rosetta stone by completing their surveys?

Thanks for your help!

Please don’t tell my wife about this.

Thanks OP. Green for you. In for 3.

I found these in clearance at my HD but not as low.

Good clarification. I was referring to title ie Liftmaster. Not sure how the average bear would know what that is…

@fivetalents said in Tracfone LG Fiesta 2 Phone + 1 Year of Service $120, Free Shipping from Tracfone via eBay.com:

@gremln007 Am I reading this right? Did they slash the deal price in the OP from $120 to $79.99? Seems too good to be true so I want a 2nd opinion before I update the OP.

Looks like that to me too!