Pros and Cons of 5% vs 20% down payment with current interest rates.

2021.12.02 19:14 IceHack Pros and Cons of 5% vs 20% down payment with current interest rates.

So I am weighing the pros and cons of 5% Variable vs 20% Fixed and wanted to confirm I am not missing anything. This all started when I saw .85% mortgage rates, I wouldn't be considering voluntarily paying mortgage insurance otherwise.
Basic Info: Condo Price: $615K
Condo Fees: ~$350
Current Living Costs: $2500
I have enough savings to do 25% down payment comfortably.
5% If I put down 36.5K I would need to pay ~25K in mortgage insurance but this mortgage insurance would give me a variable mortgage rate of .85% today.
The mortgage payment looks like it would be about $2250 a month and the total interest paid would be less than $24K with over $110K principal paid on the mortgage if interest rates stay low.
I am planning to take the additional 15% and invest it while I monitor mortgage interest rates. I would pay down the mortgage with lump sum payments if interest goes up to keep my interest paid low.
20% If I put down 123K for 20% then I don't pay any mortgage insurance but my interest rate is going to be higher as the mortgage is uninsured. I would also prefer fixed in this scenario.
I have been quoted a fixed rate of 2.29% which would be a $2150 payment, 52K in interest and 77K principal.
The potential low interest in the 5% scenario is very appealing to me. Any input or advice on other scenarios to consider?
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2021.12.02 19:14 Ap3xWingman Forge World

Is there any word of a forge world esque map being added? Just for the forge nutters to go wild and create racetracks that you can only complete while under the effects of speed, or duck hunts and sumo games. These need to make a return.
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2021.12.02 19:14 Sillkwitch_Engage Showcase 20: A Canon Winter

Greetings Canon users and welcome to our twentieth official Canon Showcase! The purpose of showcases is to highlight different categories of Canon-made images. There will be two showcases per month (one for each half of the month).
Showcase 20: A Canon Winter
Note: For this Showcase, we are looking for your best winter photos. As an added challenge, try to create an image that best illustrates the feeling of winter, instead of just "a picture you happened to take during winter."

  1. One submission per user. If a user submits a photo that they are later unhappy with (or want to change for any other reason), they may delete their entry and submit a different photo.
  2. Each post should have a title that includes [Showcase: Showcase Title]. For this one, it would be [Showcase: A Canon Winter - "Camera Model/Lens" - "Subject"]
  3. Showcases are intended to be teaching moments, therefore with every submission the following details must be included (please note, these are merely recommendations, feel free to expand beyond these listed): camera settings, technique, additional gear used, environmental conditions, reasoning behind technique/settings choices, etc. Our hope is to promote and foster constructive and creative discussions.
  4. This may be self-evident, but submitted photos must be captured with a Canon camera. Third-party lenses are ok.
  5. Rules are subject to change at mod discretion, and in the event of a rule change, users will have extra time to resubmit photos (if they so choose).
  6. If you have nothing nice to say about someone’s photo, don’t say anything at all.
For those who are not yet Discord members, here is the link to our Canon server:
Happy shooting!
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2021.12.02 19:14 Consistent_Salad_813 💥25 CURIOSIDADES de SAITAMA | One Punch Man

💥25 CURIOSIDADES de SAITAMA | One Punch Man submitted by Consistent_Salad_813 to OnePunchMan [link] [comments]

2021.12.02 19:14 Suspicious-Ostrich26 Blackbeard vs Al Capone in smooth 60 fps

Blackbeard vs Al Capone in smooth 60 fps submitted by Suspicious-Ostrich26 to ERB [link] [comments]

2021.12.02 19:14 Responsible-Skill-25 Dentist filed healthy teeth to help my new crown fit. Is that normal?

Got a new crown, and it's been awhile so maybe they do this? He filed the teeth above my crown and now they feel super rough, but maybe it's in my head. I don't know, someone tell me if this is normal or if I was right to not trust those eyebrows.
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2021.12.02 19:14 GoatC21 Hey would really appreciate the help!
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2021.12.02 19:14 vte_dolly_parton When do you/do you call it?

I (29 F) started using dating apps again recently, and I have been talking to/ sleeping with a guy sometimes. However, he doesn’t initiate conversations anymore. Should I make an effort to define what’s ending or just let it die?
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2021.12.02 19:14 pertanaindustrial Looking for another epic read

I’ve enjoyed The Expanse, Wheel of Time, Stormlight Archive, Mistborn series, almost every Michael Crichton book , Licanius trilogy, I’ve started the inhibitor trilogy but was having a hard time finding the 2nd and 3rd book locally, quite a few Stephen king books and more.
I love the epic series like WoT and anything by brando
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2021.12.02 19:14 n1njaunic0rn After way too long she's almost ready to hit the road again.

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2021.12.02 19:14 newsdk Jens Erik og Ole skovler selv sneen væk

Jens Erik og Ole skovler selv sneen væk submitted by newsdk to newsdk [link] [comments]

2021.12.02 19:14 rherbom2k Caso luminarias: la intervención de Fernando Barros a favor del dueño de Itelecom para evitar que Matthei siguiera acusando en público al empresario

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2021.12.02 19:14 CreepersFTW any idea what type of roach this is?

any idea what type of roach this is? submitted by CreepersFTW to Whatisthis [link] [comments]

2021.12.02 19:14 tanishedvibrations Vertically stacked ordnance in the bomb bay of a Savoia-Marchetti SM.79 Sparviero

Vertically stacked ordnance in the bomb bay of a Savoia-Marchetti SM.79 Sparviero submitted by tanishedvibrations to war [link] [comments]

2021.12.02 19:14 noah0314 I’m afraid going to a party where my ex will be

So I’m just gonna give som background story to this (sorry if my English is bad)
So about 4 months ago I (20M) broke up with my gf (19F) due to toxic a toxic relationship. It just wasn’t working out, we’ve already been broken up before and we started seeing each other again but it just didn’t work for me.
The day I broke up with her for good was because she started saying that she could get any guy and that I wasn’t good enough… fine then let’s break up. She was at my place so she slept here that night. In the morning I wanted to follow her to her bus at school and maybe talk about the future (create some form of friendship because we have a lot of common friends)
She didn’t like that and pushed me to the ground and then we split up and I walked home devastated.
Later that same day she sends me a snap video of her burning a picture of me. I call her to ask her wtf she was doing. She screamed a lot of things but the worst thing she said was “and now everyone is gonna now that you are violent and rapey”
I blocked her on everything. Got on ex no contact and just wanted her to get out of my life. Till this day I’m fucking scared that people might think that I’ve done those things to her which I of course haven’t. Some of our common friends have told me that’s she’s been spreading rumors about me doing that stuff and I’ve been so fucking devastated. It’s words against words. I haven’t done anything wrong but in these cases a lot of people turn on the girls side because she is the”victim”…
I’m not that scared today but now comes the situation. My old highscool is having this huge party where old students are invited too. A lot of my friends are coming and I really wanna go too… but I know that she’s gonna be there too (and it’s a relatively small high school so it’s not like I won’t see her)
I’m so scared about the idea of people thinking that stuff about me. My friends knows that I haven’t done any of those things but I don’t know about anyone else. And i just dont want my crazy ex girlfriend to control my life and prevent me from having fun. What should I do.
Just a side note I have considered taking her too court for slander but I don’t wanna make a big deal out of this and I just want her to get out of my life.
Tl;dr : I’m considering not going to a party where my crazy ex who falsely accused me of violence and rape is going, but I don’t want her controlling my life and fun with my frieds.
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2021.12.02 19:14 BeefStickOG [Academic] Do you get your pet(s) holiday gifts? Yes/No (Pet Owners)

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2021.12.02 19:14 newsdk Omikron lukker Aalestrup Skole ned i tre dage

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2021.12.02 19:14 brom_oliver Sobre cursos técnicos internacionalmente.

Estou terminando o curso de técnico em eletromecânica no Senai, me pergunto se esse diploma poderia ser valido internacionalmente, alguém sabe me dizer? Pretendo cursas engenharia mecânica ou de automação daqui um tempo, mas me pego pensando se seria possível só terminar esse curso e partir para outro pais.
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2021.12.02 19:14 GreenGekkeau FoV won't change.

I have tried the console, I've put it into the ini files and it starts with the fov set to what I want but then reverts the moment I use any menu. I dont know what else to do.
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2021.12.02 19:14 Djosa1 Does anyone can provide statistics? Never seen CR7 run that much in a single game

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2021.12.02 19:14 dingo_starrr It's only sparks and elo how wonderful

It's only sparks and elo how wonderful submitted by dingo_starrr to sparksftw [link] [comments]

2021.12.02 19:14 CKsTechnologyNews Gboard's Emoji Kitchen gets thousands of new emoji combinations in latest update

Gboard's Emoji Kitchen gets thousands of new emoji combinations in latest update submitted by CKsTechnologyNews to CKsTechNews [link] [comments]

2021.12.02 19:14 lovemylittlepony I just created a new world and got a bunch of trees that are 1 block tall... and there are lots over the world. Are them a bug that Mojang will fix soon?

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2021.12.02 19:14 vegan_not_vegan try again

try again submitted by vegan_not_vegan to AmazonAnswers [link] [comments]

2021.12.02 19:14 JanaHolmes88 Final Fantasy VII - Minimal

Final Fantasy VII - Minimal submitted by JanaHolmes88 to FinalFantasyVIIRemake [link] [comments]