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    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
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fisherdog19

Mortgage Update

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fisherdog19

Just a quick update on the market and what the rates are doing. Conforming A, Alternative A, and Jumbo A paper loans rates have seen a slight decrease over the last 8 weeks, and an even larger decrease since last September. On the flip side, second mortgage/home equity, and subprime rates have done the opposite especially on the high loan to value, and high combined loan to value (first and second leins combined) mortgages. Those in ARM'S that are over 1 year old may be in the biggest dilemma; do I ride out the ARM that may be at a slightly lower rate than what is available now, or refinance into that fixed mortgage?

Well, if you are in an ARM, and plan on staying in the home longer past the adjustment date than what is left on your ARM's fixed rate period, you should consider it. In more simple terms; if your ARM will adjust in April 2008 (12 months), and you plan on staying in your home for more than 12 months after it adjusts, you should consider refinancing. Current ARM to Fixed spreads are very minimal so if you are looking at purchasing or refinancing for any reason just go with the fixed rate. The minimal savings, and possible costs of refinancing in the future will cost you more than you will save in the short term. Although projections for some indices like Prime rate, 3 month LIBOR, and US Treasury note into the first 3 quarters of 2008 are for them to decline slightly (.1-.25%), it is not enough of a drop to consider staying in your ARM.

What does this mean? If you are in the above situation, don't put it off any longer because current rate projections are for an increase, as the industry recommendation is to lock current clients into their rates. Why you ask; well after the bond sell off last Friday due to some positive economy reports, consensus is that the economy will continue to put out positive reports which will in turn cause some type of rise in the current rates.

Current conforming 30 year notes are hovering in the high 5% range, while Jumbo 30 year notes are around 6.25%. If you are in need of a home, land, or commercial loan for any reason, please call me for a prompt, courteous, professional, no obligation consultation. Whether you have good or bad credit, little to no money down, or don't know what you can qualify for I'm here to help. I am a nationwide lender, and offer some of the lowest rates and closing costs available anywhere. Remember, all FM Members get a free appraisal when you finance with me.

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fisherdog19

Rates moved upwards almost .125% since Thursday. Just thought some of you would like to know.

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