u/Glittering-Heron-158

Image 1 — Paying $1200 for this rate. How’s it looking?
Image 2 — Paying $1200 for this rate. How’s it looking?

Paying $1200 for this rate. How’s it looking?

Got a 4.375% but some lender credit would be under utilized as it exceeded the closing costs. Loan officer suggested I could fully utilize the lender credit if I go with 4.25% but will cost me $1200. This is being added to the loan amount.

The rate is with a relationship discount. Was super lucky to lock this rate in late Feb, right before rates went to shit.

Refinancing from 5.375% 30 year fixed. Will be closing soon but can still back out if this is a bad idea.

What do you guys think?

▲ 1 r/SFr4r

40[M4F] #PaloAlto - Seeking Partner in Crime(Minor Mischief Only — No Felonies)

Looking for fun hangouts, movies, workout partner (and whatever else the chemistry votes for) — no catfish, unless you’re a very convincing mermaid.

About me:

* 40, tall enough to reach the top shelf but humble about it

* Sarcastic, movie fan (especially indie,sci‑fi, thrillers), gym-friendly (can spot you and also judge your playlist) and into dark humor

* Employed, vaccinated, and have a fully charged personality with occasional dad-level jokes

You:

* Female, 21–35, hwp, into spontaneous movie nights, sweaty workouts, cocktails that don’t disappoint, and flirting with good boundaries

* Up for joking around, flirting, and seeing where chemistry goes

* Craves excitement and connection without drama; discreet, values honesty, safety, communicates with clear boundaries

What I want:

* Movie + takeout that may or may not end with us arguing over the best snack-to-twist ratio

* Gym or run buddy who trades sweaty high-fives — and maybe kisses

* Somebody who can help me find restaurants and cocktails that don’t disappoint (I’ve had one too many “surprise specialty” drinks that tasted like regret)

* Willing to entertain my paranoia about being catfished and verify somehow

What I’m offering:

* Discretion and respect for your situation — no pressure, no judgment

* Fun, energetic meetups: movie nights, gym/run sessions, cocktail bars or quiet dinners

* Clear communication about expectations, boundaries, and safety and respect to mutual consent

Non-negotiable:

* be real. If you’re a catfish, at least have the decency to Photoshop better.

* STI/D free

Send me a message :)

reddit.com
u/Glittering-Heron-158 — 2 days ago
▲ 1 r/sjr4r

41 [M4F] #SanMateo - Seeking Partner in Crime(Minor Mischief Only — No Felonies)

Looking for fun hangouts, movies, workout partner (and whatever else the chemistry votes for) — no catfish, unless you’re a very convincing mermaid.

About me

- 41, tall enough to reach the top shelf but humble about it

- Sarcastic, movie fan (especially indie,sci‑fi, thrillers), gym-friendly (can spot you and also judge your playlist) and into dark humor

- Employed, vaccinated, and have a fully charged personality with occasional dad-level jokes

You

- Female, 21–35, hwp, into spontaneous movie nights, sweaty workouts, cocktails that don’t disappoint, and flirting with good boundaries

- Up for joking around, flirting, and seeing where chemistry goes

- Craves excitement and connection without drama; discreet, values honesty, safety, communicates with clear boundaries

What I want

- Movie + takeout that may or may not end with us arguing over the best snack-to-twist ratio

- Gym or run buddy who trades sweaty high-fives — and maybe kisses

- Somebody who can help me find restaurants and cocktails that don’t disappoint (I’ve had one too many “surprise specialty” drinks that tasted like regret)

- Willing to entertain my paranoia about being catfished and verify somehow

What I’m offering

- Discretion and respect for your situation — no pressure, no judgment

- Fun, energetic meetups: movie nights, gym/run sessions, cocktail bars or quiet dinners

- Clear communication about expectations, boundaries, and safety and respect to mutual consent

Non-negotiable

- be real. If you’re a catfish, at least have the decency to Photoshop better.

- STI/D free

Just send me a message! :)

reddit.com
u/Glittering-Heron-158 — 4 days ago
▲ 3 r/SFr4r

41 [M4F] #RedwoodCity - Seeking Partner in Crime(Minor Mischief Only — No Felonies)

Looking for fun hangouts, movies, workout partner (and whatever else the chemistry votes for) — no catfish, unless you’re a very convincing mermaid.

About me

- 41, tall enough to reach the top shelf but humble about it

- Sarcastic, movie fan (especially indie,sci‑fi, thrillers), gym-friendly (can spot you and also judge your playlist) and into dark humor

- Employed, vaccinated, and have a fully charged personality with occasional dad-level jokes

You

- Female, 21–35, hwp, into spontaneous movie nights, sweaty workouts, cocktails that don’t disappoint, and flirting with good boundaries

- Up for joking around, flirting, and seeing where chemistry goes

- Craves excitement and connection without drama; discreet, values honesty, safety, communicates with clear boundaries

What I want

- Movie + takeout that may or may not end with us arguing over the best snack-to-twist ratio

- Gym or run buddy who trades sweaty high-fives — and maybe kisses

- Somebody who can help me find restaurants and cocktails that don’t disappoint (I’ve had one too many “surprise specialty” drinks that tasted like regret)

- Willing to entertain my paranoia about being catfished and verify somehow

What I’m offering

- Discretion and respect for your situation — no pressure, no judgment

- Fun, energetic meetups: movie nights, gym/run sessions, cocktail bars or quiet dinners

- Clear communication about expectations, boundaries, and safety and respect to mutual consent

Non-negotiable

- be real. If you’re a catfish, at least have the decency to Photoshop better.

- STI/D free

Just send me a message! :)

reddit.com
u/Glittering-Heron-158 — 4 days ago
▲ 1 r/SFr4r

41 [M4F] #SanMateo - Seeking Partner in Crime (Minor Mischief Only — No Felonies)

Looking for fun hangouts, movies, workout partner (and whatever else the chemistry votes for)

About me:

- 41, tall enough to reach the top shelf but humble about it

- Sarcastic, movie fan (especially indie,sci‑fi, thrillers), gym-friendly (can spot you and also judge your playlist) and into dark humor

- Employed, vaccinated, and have a fully charged personality with occasional dad-level jokes

You:

- Female, 21–35, hwp, into spontaneous movie nights, sweaty workouts, cocktails that don’t disappoint, and flirting with good boundaries

- Up for joking around, flirting, and seeing where chemistry goes

- Craves excitement and connection without drama; discreet, values honesty, safety, communicates with clear boundaries

What I want:

- Movie + takeout that may or may not end with us arguing over the best snack-to-twist ratio

- Gym or run buddy who trades sweaty high-fives — and maybe kisses

- Somebody who can help me find restaurants and cocktails that don’t disappoint (I’ve had one too many “surprise specialty” drinks that tasted like regret)

- Willing to entertain my paranoia about being catfished and verify somehow

What I’m offering:

- Discretion and respect for your situation — no pressure, no judgment

- Fun, energetic meetups: movie nights, gym/run sessions, cocktail bars or quiet dinners

- Clear communication about expectations, boundaries, and safety and respect to mutual consent

Non-negotiable:

- be real. If you’re a catfish, at least have the decency to Photoshop better.

- STI/D free

Send me a message!

reddit.com
u/Glittering-Heron-158 — 4 days ago