Brought to you by the Every Dollar app. Start budgeting for free today.

My question is this. I'm about to close my escrow and the current interest rate that I'm

locked in is really high. It's like 6.875. Okay. And my loan officer tells me, hey, don't worry about it.

In about a year, you know, two years down the line, interest rate is going to go down.

You're going to refinance, so that's fine.

And I want to put it, I have the potential to put in a lot of money like up front.

Because the calculation from your show, teaches me, teaches me how these things

works, right? And so it's just mathematics. Yeah. And so my loan, so I'm shopping around. I'm

shopping around with two different loan officer along with my realtor. And they all wonder,

why would you want to put money up front?

Because they're not financial advisors.

They just want to get you in this house.

And they're filtering it through what they would do.

A lot of people, you know, it's human nature.

If you give advice, you're kind of giving advice based on what you might do.

And a lot of these loan officers for homes, they, most of their life is people trying to scrape together and mow lawns to get, get that 2.999 up to 3%.

Like there's, it's so hard to find people who actually save money like you, David.

Okay.

It's just rare.

So I, I just want to make sure that I'm, you know, my math is not wrong somewhere where they,

so they suggest this, save your money now and wait until you refinance.

Let's say right now I'm at 6.8, right?

...