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Just received final approval on a home loan. Closing this week. I'm a person now
Poast new message in this thread
Date: March 24th, 2026 2:13 PM Author: Ivory doctorate Finally, I have a stake in something beyond a car. Feels weird man. Taking abuse, q's, etc. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765481) |
Date: March 24th, 2026 2:14 PM Author: obsidian field terms? amount? (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765486) |
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Date: March 24th, 2026 2:16 PM Author: Ivory doctorate 30 year, 6.5%, less than half a million. I know the rate is high, but this was my best option. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765496) |
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Date: March 24th, 2026 2:20 PM Author: obsidian field JFC- amortizing? (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765512) |
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Date: March 24th, 2026 2:24 PM Author: Pungent hot stead cuckold Only 359 more monthly installments and it's all yours (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765534) |
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Date: March 24th, 2026 2:25 PM Author: Ivory doctorate Fuck yeah (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765536) |
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Date: March 24th, 2026 2:27 PM Author: Pungent hot stead cuckold Can't put a price on peace of mind haha (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765545) |
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Date: March 24th, 2026 3:56 PM Author: Ivory doctorate I don't know what equity is but I am now building it, friends have informed me. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765827) |
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Date: March 24th, 2026 5:57 PM Author: Ocher Stock Car Mother Well, you will be in about 10 years. You're really just paying interest--not meaningfully reducing the principle--until then, hehe. https://www.mortgagecapitalpartners.com/wp-content/uploads/2017/06/amortizationchart1.png (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766061) |
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Date: March 24th, 2026 6:00 PM Author: Trip Locus Depressive if the housing market is flat for 10 years, which has never bappened before (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766065) |
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Date: March 24th, 2026 7:32 PM Author: Idiotic galvanic pozpig Actually it goes flat or even loses money during many 10 year periods if you buy during a peak:
https://www.macrotrends.net/datasets/3237/real-us-home-prices
Maybe this will be the first time ever that the market peaks after a massive runup and then continues going up instead of crashing though! |
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Date: March 24th, 2026 7:40 PM Author: Trip Locus Depressive im talking about nominal equity.
https://fred.stlouisfed.org/series/MSPUS
also, the only time it was flat or down on your graph is after ite, not multiple periods. and many things that have gone up in value are down in real terms because of inflation. and despite all that, home values have *still* appreciated in real value since the pre bust peak.
you've been an /r/rebubble permabear since when? i remember as far back as 2020. boy, bet you wish you could buy at 2020 prices and rates, huh? lmao retard. |
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Date: March 24th, 2026 7:53 PM Author: Idiotic galvanic pozpig Nah Dec 1989 - Dec 89 was also down. And you have many other lengthy down periods of almost 10 yrs. You just don't know how to read a graph you stupid nigger.
Also, you're projecting your own wishes about prices and rates onto me. I'm not Poor. I'm not worried about "buying" a home. I own a 5000 sq ft house with a pool on 1-2 acres in a gated community outright. Enjoy your prole "mortgage payment," faggot. |
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Date: March 24th, 2026 8:00 PM Author: Trip Locus Depressive where is this data even from? it marks the real price around "150" in 2005 and "115" in 2015. the fed chart is 230k in 2005 and $300k in 2015.
so around -25% on your chart +25% from the fed. unless the dollar lost half it's value during that period, the real value should only be lightly less than the nominal value.
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Date: March 24th, 2026 8:11 PM Author: Idiotic galvanic pozpig *gets BTFO because he can't even read a graph*
Response: "BUT WHERE IS THIS DATA EVEN FROM??"
LMAO nigger, you still can't read graphs and you're still a wagecuck with a mortgage payment. |
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Date: March 24th, 2026 8:16 PM Author: Trip Locus Depressive if you had an explanation for why your chart shows a -25% in real value while the fed chart shows a +25% in nominal value despite no hyperinflation occuring to explain that gap you would have made it to put me in my place. you're sperging out across multiple threads because you're YSFFM. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766542) |
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Date: March 24th, 2026 10:53 PM Author: Idiotic galvanic pozpig Because it's the REAL home price chart. Says at the top. You were relying on a not real (i.e. FAKE AS FUCK) chart.
And you STILL haven't addressed your pathetic wagecuckery, your proleish concern with "mortgage rates," your inability to read graphs, or the fact that you misunderstand basic statistical shit at the level of a moderately bright third-grader (from the other thread).
If you're going to be aggressively stupid and poor across multiple threads, I have no choice but to pwn you on all fronts. Usually you play the role of the "slightly less bad banal, unfunny, con poaster" but today you're supplanting consuela for the top spot. |
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Date: March 24th, 2026 6:37 PM Author: bateful piazza sweet tailpipe (xoxo 2026) (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766154) |
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Date: March 24th, 2026 10:54 PM Author: bat-shit-crazy brunch (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49767033) |
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Date: March 24th, 2026 10:54 PM Author: bat-shit-crazy brunch (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49767034) |
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Date: March 24th, 2026 10:54 PM Author: bat-shit-crazy brunch (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49767037) |
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Date: March 24th, 2026 10:54 PM Author: bat-shit-crazy brunch (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49767038) |
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Date: March 24th, 2026 10:55 PM Author: bat-shit-crazy brunch (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49767039) |
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Date: March 24th, 2026 10:55 PM Author: bat-shit-crazy brunch (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49767041) |
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Date: March 24th, 2026 10:55 PM Author: bat-shit-crazy brunch (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49767042) |
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Date: March 24th, 2026 10:55 PM Author: bat-shit-crazy brunch (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49767043) |
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Date: March 24th, 2026 2:25 PM Author: obsidian field (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765540) |
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Date: March 24th, 2026 2:27 PM Author: Hairraiser orange rigpig (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765548) |
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Date: March 24th, 2026 4:16 PM Author: Coiffed brass jap hissy fit Yikes, my guy (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765869) |
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Date: March 24th, 2026 5:58 PM Author: Ocher Stock Car Mother Don't forget the property tax, friend (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766062) |
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Date: March 24th, 2026 6:38 PM Author: bateful piazza sweet tailpipe as long as you don't miss a property tax payment or become uninsurable due to natural disasters* (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766157) |
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Date: March 24th, 2026 2:14 PM Author: Pungent hot stead cuckold sounds like you got it backwards hoss (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765487) |
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Date: March 24th, 2026 2:14 PM Author: grizzly indian lodge elastic band What are you going to do with a House? Pretend to play games like doodikoff and OYT? (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765488) |
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Date: March 24th, 2026 2:16 PM Author: Ivory doctorate Live there with my darling girl and maek a home. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765498) |
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Date: March 24th, 2026 5:58 PM Author: Ocher Stock Car Mother Explain the relationship with the girl w/r/t to (a) the mortgage and (b) the deed. Is she on both? (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766063) |
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Date: March 24th, 2026 2:15 PM Author: Coiffed brass jap hissy fit DESCRIBE the home
ELI5 the terms of your loan |
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Date: March 24th, 2026 2:18 PM Author: Ivory doctorate I love the place. 2 stories, 2 br 2.5 ba, going to use one as an office. Great location for me. Main thing that I want to change is adding a island-ish thing in the corner of the kitchen since there's not much counter space, probably tear out the carpet too, but really happy with it otherwise. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765506) |
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Date: March 24th, 2026 2:19 PM Author: Pungent hot stead cuckold Neat. See you in 30 years (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765510) |
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Date: March 24th, 2026 2:20 PM Author: copper vivacious crotch What year was it built?
SFH? |
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Date: March 24th, 2026 2:21 PM Author: Coiffed brass jap hissy fit Congrats man
2 br is kinda few for a 2 story place. Is this a sfh? Or attached/town home? How many sq/ft? |
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Date: March 24th, 2026 2:26 PM Author: Ivory doctorate Thanks man Feel like I'm cruisin' for a doobsin' at this point It is not a sfh, but over 1000 square feet |
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Date: March 24th, 2026 5:45 PM Author: grizzly indian lodge elastic band over 1000 square feet tp (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766049) |
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Date: March 24th, 2026 6:26 PM Author: Know-it-all hairless alpha immigrant Spaceporn was spamming your irl name for weeks (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766135) |
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Date: March 24th, 2026 8:23 PM Author: Wine regret hall Fuck spaceporn. He needs to be held accountable for the 10+ posters he’s outed (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766569) |
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Date: March 26th, 2026 1:09 PM Author: Ivory doctorate (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49770689) |
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Date: March 24th, 2026 2:23 PM Author: indigo talented institution Brother, I just bought a 5 bedroom 1.2 acre manse with its own tennis court. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765524) |
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Date: March 24th, 2026 7:56 PM Author: Idiotic galvanic pozpig Nice, my place is similar. Basketball court though. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766414) |
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Date: March 24th, 2026 2:22 PM Author: indigo talented institution LJL at your interest rate. I just locked a 5.125% rate. Of course, I had to put $1.25m into a Chase IRA to get it but still.... (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765520) |
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Date: March 24th, 2026 2:39 PM Author: bistre police squad red state? (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765575) |
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Date: March 24th, 2026 3:57 PM Author: Carmine pisswyrm box office you buy it yourself? or your gf putting anything into it?
when are you proposing to her? |
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Date: March 24th, 2026 4:32 PM Author: High-end mildly autistic mental disorder I remember how 180 it was when my GF (now wife) first moved in with me in my old Co do (still own and rent out) and starting paying 50% of the carrying costs.
Holy shit I used to be able to save SOOOOO much money every month. Was 180. |
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Date: March 24th, 2026 4:48 PM Author: Carmine pisswyrm box office the silence from lex tp here is Deafening (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765933) |
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Date: March 25th, 2026 6:02 AM Author: obsidian field JFC. same after (future) wife moved in, banked $2-3k extra per month.
what's your carry vs rent on the old place now? I'm collecting ~40% in rent above PITI (thanks NYC rental shortage!) |
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Date: March 24th, 2026 5:45 PM Author: Ivory doctorate She is putting money into it, but i am carrying the closing costs and much of the down. Already proposed, but I'm planning on another attention whoring thread for that. All the big life things are happening at once. |
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Date: March 24th, 2026 5:48 PM Author: Carmine pisswyrm box office lex, lex, you thought you could sneak this one by us??!
are we even your Internet Friends? |
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Date: March 24th, 2026 7:53 PM Author: Ivory doctorate I love my internet lawyer friends I also love attention whoring here across threads |
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Date: March 24th, 2026 6:02 PM Author: massive big public bath (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766075) |
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Date: March 24th, 2026 4:35 PM Author: adventurous lavender garrison rigor Congratulations on Home Ownership. You are now a member of an elite few, the true Middle Class. Are you perchance a Direct Mayflower Descendant? (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765910) |
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Date: March 24th, 2026 4:36 PM Author: Swollen abode Congrats, friend. You deserve it. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765914) |
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Date: March 24th, 2026 4:48 PM Author: Carmine pisswyrm box office (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765934) |
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Date: March 24th, 2026 5:07 PM Author: jet heady national (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765990) |
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Date: March 24th, 2026 7:06 PM Author: Apoplectic startling mood (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766223) |
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Date: March 24th, 2026 4:37 PM Author: Trip Locus Depressive can't wait to be your prole goy mentor friend. (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765917) |
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Date: March 24th, 2026 5:46 PM Author: Ivory doctorate Thank in advance for for pretending not to judge me (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766050) |
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Date: March 24th, 2026 5:53 PM Author: Trip Locus Depressive "which end goes in my ass?", lex asked the horrified boomer at home depot (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49766056) |
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Date: March 24th, 2026 4:39 PM Author: vigorous home macaca (http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2\u0026mark_id=5310895#49765921) |