fxthea

I've heard that it's super backed up right now and people have had to wait for months. Anyone been through it lately and have any advice? Anything you can do to help your recruiter out? I'm team matching for L4 if that matters.

Or is it just me?

I just got off the phone with USBank that says basically I need a $815K house I bought to appraise for at least $809K to fall in to jumbo territory.

Their jumbo rates are 4.75% and their 30 year conforming fixed is 5.25% (so ~$200 difference in monthly mortgage payments).

He said that if I don't appraise for at least $809K I can:

1. Put down less so that I stay in jumbo rate territory
2. Pay the PMI for a month
3. Pay off the loan enough to get back in to 20% equity territory and cancel the PMI
4. Keep the 4.75% rate.

Is this normal/sound?

I spoke to my lender and he said I could lock in at a jumbo at 4.875% but it would require my home to appraise at at least 809K (I’m about to go in to contract for a purchase at 815K)

If I do not get that appraisal I’d be looking at a 5.5% rate for a high balance loan.

I have another lender that says they can lock me in at 5.125% for a high balance loan that would not be dependent on appraisals.

Seems like I can take the risk of hoping to get a high enough appraisal and get a 4.875% rate or go with a more guaranteed 5.125%

Any suggestions?

I’m going through a bit of a rough patch. Lots of grasping and wanting things to be a certain state.

And I’ll go through these episodes of thinking about some future problem and how to plan for it. It’s incessant and I always trick myself in to thinking I’ll relieve this stress by thinking about it more and thinking my way out of it. And believing the perfect thought is around the corner to solve my problems.

Then this intuition popped in to my head. Just wanted to share it in case it helps anyone else.

Prior to my FAANG adjacent / Silicon Valley company I joined I’ve mostly worked at a string of startups. It wasn’t until I joined my current company that I realize how much faster they wanted to ship and cared more about getting things out ASAP (with circuit breakers and feature flags)

Senior engineers have mentioned to me this phrase that speed solves a lot of problems.

What are peoples thoughts on this? Recently started reading Release It! and I think it’s a similar philosophy.

Wanted to share a recent insight I had that maybe will help someone else see the value and even benefit of having distractions SO THAT we can practice return to the breath.

While sitting thoughts arise and we treat each thought like a ball we have to hold. And if we stop holding it in attention it’ll drop — which is true.

Some thoughts were not that attached to, were not clinging to. We see these thoughts as rubber balls and we feel fine dropping them. It doesn’t feel that wrong to drop them.

Then there are thoughts that are maybe more emotionally charged — thinking about a future event, planning for that event, remembering a past event, wondering why we did what we did — these thought

I have someone in my life that I absolutely cannot stand.

I think there are personality traits that he has that are the same as mine and for some reason that triggers annoyance? In me when I see it in him.

I think I have feelings of competition towards him and we clash because we both act like know-it-all’s.

Is there a practice that is focused around working through this? Either in the way I look at myself or the way that I look at others?

I’ve done mostly vipassana meditation over the last 4-5 years.