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  1. 07-26-2022, 12:44 PM #1
    FirstClassFinancialSrvs
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    Is Now A Good Time To Refinance?

    Have things changed in the past year, and is now a good time to refinance? I'm here to help you walk through the steps. Please give me a call at 813-461-3888 to learn more.


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    Tim Kratz
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  2. FirstClassFinancialSrvs
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    #2 07-26-2022, 07:35 PM
    *****Refinance min is 60k *****
    Tim Kratz
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  3. Bassmaster2003
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    #3 07-26-2022, 08:59 PM
    Whats the going APR for used boats with excellent credit? Someone told me 8%.
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  4. Old Syko
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    #4 07-27-2022, 07:42 AM
    Now is a good time to De-finance.
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  5. Bass_boat_boy
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    #5 07-27-2022, 08:19 AM
    Quote Originally Posted by Bassmaster2003 View Post
    Whats the going APR for used boats with excellent credit? Someone told me 8%.
    8% dam... no thanks
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  6. fishnfireman
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    #6 07-27-2022, 08:40 AM
    I thought rates were going up.
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  7. BarryFL
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    #7 07-27-2022, 08:46 AM
    LOL $60K @ 8% = $727 monthly note for 10 years ($27K in interest) $501 monthly note for 20 years ($61K in interest)

    Insanity defined.
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  8. Bassmaster2003
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    #8 07-27-2022, 10:28 AM
    Quote Originally Posted by BarryFL View Post
    LOL $60K @ 8% = $727 monthly note for 10 years ($27K in interest) $501 monthly note for 20 years ($61K in interest)

    Insanity defined.
    I might have to pay cash for an ultra skiff or a kayak...sheesh! You'd be paying for a whole nother boat in interest alone financing for 20 years!
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  9. bass.man65
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    #9 07-27-2022, 11:22 AM
    Quote Originally Posted by BarryFL View Post
    LOL $60K @ 8% = $727 monthly note for 10 years ($27K in interest) $501 monthly note for 20 years ($61K in interest)

    Insanity defined.
    Hard to believe but they do it all the time. I will keep my 2 paid for 521's no way in hell I would spend today's price for a bass boat and I got to spend.
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  10. Boostr
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    #10 07-27-2022, 11:51 AM
    Imean, it's your money do whatever ya want with it. I'll stick to used in my price range when the time comes.
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  11. EufaulaHammer
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    #11 07-27-2022, 02:20 PM
    Absolutely not with the Fed raising prime by 75-100 basis points by this afternoon
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  12. mactlman
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    #12 07-27-2022, 05:52 PM
    Quote Originally Posted by Old Syko View Post
    Now is a good time to De-finance.
    good time to be debt free!!!
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  13. MarkVarble
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    #13 07-29-2022, 01:55 AM
    Quote Originally Posted by mactlman View Post
    good time to be debt free!!!
    Yes!!!!!!!!!!!
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  14. 22RangerZ520R
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    #14 07-29-2022, 06:03 AM
    Quote Originally Posted by mactlman View Post
    good time to be debt free!!!
    Yup!!!


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  15. Bob G.
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    #15 07-29-2022, 07:39 AM
    Quote Originally Posted by mactlman View Post
    good time to be debt free!!!
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  16. TroyBoy30
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    #16 07-29-2022, 07:40 AM
    im going with no
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  17. LTZ25
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    #17 07-29-2022, 10:16 AM
    Quote Originally Posted by mactlman View Post
    good time to be debt free!!!
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  18. bassdge
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    #18 08-02-2022, 08:17 PM
    I would like to hear why it is a good time to refinance?
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  19. 99R93S
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    #19 08-03-2022, 08:16 AM
    I can tell you first hand that on 7/26 I was offered a rate of 7.25% on a 10 year note for 35k on an older boat. That’s with a 740 score. I know thats not on brand with original post of over 60k refinance, I’m just putting it out there as a bench mark of information.
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  20. dean c
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    #20 08-03-2022, 09:11 AM
    Somebody might have a higher rate bought at less than prime credit rating. Maybe they’ve improved their credit worthiness. You can’t assume anything about others finances. You never know.
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