The most prestigious law school admissions discussion board in the world.
|
 |
 
|
Bill Ackman: Pres. Trump, how about we charge fees for paying mortgage early?
Poast new message in this thread
Date: January 11th, 2026 2:12 PM Author: big coffee pot kitty cat Lmao. The masks are completely off.
https://x.com/billackman/status/2010139261282959528 |
Date: January 11th, 2026 2:16 PM Author: brilliant lodge shitlib “I talked with an (((expert))), he said the (((math))) is sound!” (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581059) |
 |
Date: January 11th, 2026 2:22 PM Author: big coffee pot kitty cat Trump and Bill Pulte, scion of Pulte Homes and the author of the 50 year mortgage are probably taking this suggestion very seriously. America First! (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581078) |
|
Date: January 11th, 2026 2:34 PM Author: Cocky Boiling Water Hominid I was expecting the made-up expert to have She pronouns tbh (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581099) |
|
Date: January 15th, 2026 10:05 AM Author: appetizing cordovan base experts Ben Rubin and Jennifer Goldstein agree that (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591252) |
|
Date: January 11th, 2026 2:23 PM Author: anal frisky corner LJL. Thought this would be flame.
And his reason? "While this feature is attractive for homeowners, it comes at a significant cost as buyers of mortgage backed securities (‘MBS’) require a significant increase in spread to compensate them for giving the borrower the option to prepay at anytime."
How about, instead, we just ban mortgage backed securities? And also, while we're at it, other CDOs, derivatives, high-frequency trading, and corporate ownership of single-family homes, all of which are detrimental to 99.9% of Americans.
|
|
Date: January 11th, 2026 2:27 PM Author: big coffee pot kitty cat Oy vey!
Because it’s never about helping Americans, it’s about pulling wool over their eyes and keeping them dumb to sell short-term dopamine hits while hurting them in the long-run. His suggestion is literally to pay the Jewish banker an extra fee every time you refinance a mortgage. |
|
Date: January 11th, 2026 7:20 PM Author: Snowy travel guidebook It's the MAGA Way! (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581705) |
|
Date: January 11th, 2026 2:38 PM Author: Lake nowag Don't MBS in theory reduce borrowing costs/interest rates for home buyers? And increase mortgage availability? (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581116) |
|
Date: January 11th, 2026 2:41 PM Author: vermilion supple temple Yes to first, no to second. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581121) |
|
Date: January 11th, 2026 6:30 PM Author: Lake nowag Doesn't the second follow the first? If mortgages become cheaper doesn't that reduce the cost of money for lower credit scores and therefore drop the DTI and qualify more people? (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581591) |
|
Date: January 11th, 2026 6:34 PM Author: vermilion supple temple do people price how much home to buy based on home price or monthly mortgage payment?
if interest rates go down, what happens to the mortgage payment?
do people then reduce the amount they spend monthly on a mortgage or so they instead buy more home, driving prices up?
hint, increasing demand of something without increasing supply just moves the pricing of it up. so we would get a higher home price to offset the the monthly savings from lower rates. |
|
Date: January 11th, 2026 6:17 PM Author: wine blood rage striped hyena (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581560) |
|
Date: January 11th, 2026 6:27 PM Author: Out-of-control Skinny Woman Den (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581583) |
|
Date: January 11th, 2026 2:32 PM Author: Hairraiser mood organic girlfriend Why wouldn't that be a good option to make a choice lock into 5.35% or pay 6%? Obviously if the base rate was 3% the lockable rate wouldn't offer the same 65basis discount because no one would pay early. But the consumer is not forced into anything unless he's a dumb nigger. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581097) |
|
Date: January 11th, 2026 2:38 PM Author: big coffee pot kitty cat Because it’s the textbook definition of a moral hazard? Because it encourages the consumer to take on more debt? These people operate under the assumption that there should be no guardrails to protect citizens in any society that isn’t Israel. They have universal healthcare and highly subsidized college there. Why don’t you? (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581115) |
|
Date: January 11th, 2026 9:35 PM Author: Hairraiser mood organic girlfriend Wtf does that have to do with universal Healthcare or college u Brown nigger? Making decision to take a loan out at 5.3% or 6% is pure arithmetics. If this somehow causes i to lose money you're just a stupid nigger. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582020) |
|
Date: January 11th, 2026 10:08 PM Author: big coffee pot kitty cat Think about it (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582102) |
|
Date: January 12th, 2026 9:13 AM Author: ocher sandwich we have highly subsidized college here too (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582741) |
|
Date: January 12th, 2026 1:18 AM Author: wine blood rage striped hyena because most people are dumb niggers you fucking kike. the avg iq is 100. we do need law to protect people thats why we dont let kikes sell us poison or 500 APR loans (or at least used to, which they've chipped and contonued to chip away a).
meanwhile useful idiot goys or undercover pumo kikes lisp about the freedom of choice and personal responsibility as you advocate for legalizing fraud. suck my cock boy |
|
Date: January 12th, 2026 9:34 AM Author: big coffee pot kitty cat You said it far more eloquently than me (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582765) |
|
Date: January 11th, 2026 2:36 PM Author: clear reading party Honestly I never understood how so many countries and people from all over the world could kick out a single race so many times independently (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581108) |
|
Date: January 11th, 2026 2:36 PM Author: vermilion supple temple until now? (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581111) |
|
Date: January 11th, 2026 2:45 PM Author: azure casino lettuce he probably starting noticing after 10/7/23. that was when i started paying attention to the JQ because of all the carnage in gaza (and at the same time, them crying on news programs about how they're the victim).
but the oppression of the palestinians was just the tip of the iceberg. man, what you find out when you start looking into the jewish people is astounding. much like what the board found when they started scrutinizing spaceporn as a father. |
|
Date: January 11th, 2026 9:36 PM Author: Hairraiser mood organic girlfriend is he Jewish or is he one of your kind? (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582024) |
|
Date: January 11th, 2026 2:36 PM Author: vermilion supple temple Trump, please let us lock in regular Americans into 30 year debt agreements that come with significant penalties if they try to renegotiate or pay off early. Think of the basis points saved upfront just for the small change of being locked into something for 30 years! (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581109) |
|
Date: January 11th, 2026 2:45 PM Author: big coffee pot kitty cat 50* (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581128) |
|
Date: January 11th, 2026 2:54 PM Author: vermilion supple temple "sorry your mum died, since it wasn't in a holly, we are gonna need a 10% prepayment fee of the mortgage to transfer it to you" (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581142) |
|
Date: January 12th, 2026 1:08 AM Author: brindle theatre To be fair,
"Me mum's a lampshade, me da's a bar 'o soap!" |
|
Date: January 15th, 2026 9:41 AM Author: vermilion supple temple (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591196) |
|
Date: January 15th, 2026 7:24 AM Author: Stimulating menage sound barrier The prepayment penalties he is advocating for are for 3, 5, or 10 years. Not 30. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591030) |
|
Date: January 11th, 2026 2:40 PM Author: impertinent galvanic sex offender does this mean there would also be a fee if you paid everything up front all at once? (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581118) |
|
Date: January 11th, 2026 2:45 PM Author: big coffee pot kitty cat That’s one type of prepayment, yes. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581126) |
|
Date: January 11th, 2026 2:54 PM Author: vermilion supple temple (guy trying to use a mortgage for the points) (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581145) |
|
Date: January 11th, 2026 2:57 PM Author: Contagious duck-like patrolman Yes, the MBS holders must be compensated for those who choose not to participate in a mortgage. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581152) |
|
Date: January 11th, 2026 4:10 PM Author: cerebral coldplay fan (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581311) |
|
Date: January 11th, 2026 4:19 PM Author: Blathering Office And not just Kushner's buddy MBS! (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581330) |
|
Date: January 11th, 2026 8:06 PM Author: charismatic site (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581815) |
|
Date: January 12th, 2026 1:08 AM Author: brindle theatre (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582366) |
|
Date: January 12th, 2026 1:14 AM Author: wine blood rage striped hyena (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582380) |
|
Date: January 12th, 2026 8:13 AM Author: Pale brunch goal in life (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582649) |
|
Date: January 15th, 2026 10:06 AM Author: appetizing cordovan base (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591254) |
|
Date: January 11th, 2026 2:56 PM Author: Bateful plum idiot market Other countries have this but the interest rate is renegotiated every 3-5 years and the prepayment penalty only occurs if rates went down and it only applies to the remaining time until the next renewal period (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581150) |
|
Date: January 11th, 2026 3:01 PM Author: clear reading party you cant even flush toilet paper down the toilet in other countries
i dont give a fuck what they do |
|
Date: January 11th, 2026 3:04 PM Author: vermilion supple temple americans are disgusting (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581175) |
|
Date: January 11th, 2026 3:02 PM Author: Mildly autistic mad cow disease Goyim will eat this up fuck they are stupid as shit (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581165) |
|
Date: January 11th, 2026 4:10 PM Author: cerebral coldplay fan (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581310) |
|
Date: January 11th, 2026 4:18 PM Author: clear reading party (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581329) |
|
Date: January 11th, 2026 6:12 PM Author: Bonkers Spot Macaca (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581555) |
|
Date: January 11th, 2026 3:10 PM Author: 180 garrison came here to bump a funny flame thread title (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581188) |
|
Date: January 11th, 2026 4:18 PM Author: Blathering Office Fuck you Trump cucks! Kike demon worshipping traitors to humanity (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581328) |
|
Date: January 11th, 2026 6:26 PM Author: vermilion supple temple (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581580) |
|
Date: January 11th, 2026 7:21 PM Author: Snowy travel guidebook (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581706) |
|
Date: January 11th, 2026 6:39 PM Author: free-loading community account sanctuary 180 (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581606) |
|
Date: January 11th, 2026 8:04 PM Author: Snowy travel guidebook (Treasonous Jew) (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581805) |
|
Date: January 11th, 2026 7:20 PM Author: alcoholic principal's office chad it’s not adding fees retard. It would be letting you get a lower rate if you know you won’t need a feature of the mortgage. There’ no recommendation as to what this fee would be in the future, but one would imagine the present value of the 0.65% extra in interest you would have paid would be sufficient. And people generally have more liquidity to pay things like that after 10 years of principal payments and appreciation. But DERP DERP DERP more fees (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581704) |
|
Date: January 11th, 2026 7:45 PM Author: vermilion supple temple agreed. Saving 10% on interest is well worth being locked in somewhere for 30 to 50 years. Makes sense. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581756) |
|
Date: January 15th, 2026 7:26 AM Author: Stimulating menage sound barrier The prepayment penalty discussed applies for 3, 5, or 10 years. Not 30 or 50. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591031) |
|
Date: January 15th, 2026 9:44 AM Author: vermilion supple temple Its false jew crap. No one refinances in 3 years unless they died/divorced. Its not economically beneficial. 5 years, you basically break even if rates go down a good amount, but thats a perfect storm and even then, barely.
This is clearly for the 10+ year crowd. No lender is going to offer 65 basis points off for a 3-5 year lockout, its just dumb. And yes, locking in Americans into a home for 10+ years with penalties if they try to pay their debt early, is something we should def not allow and fuck you and fuck this Jewish finance. |
|
Date: January 11th, 2026 10:17 PM Author: outnumbered bat-shit-crazy hall ape You should be fed into a woodchipper feet first (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582125) |
|
Date: January 12th, 2026 1:19 AM Author: wine blood rage striped hyena (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582390) |
|
Date: January 11th, 2026 7:21 PM Author: Ivory deep fat ankles how do people believe in god in 2026 (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581709) |
|
Date: January 11th, 2026 8:08 PM Author: flirting scarlet cuck pretty clear that God is just jewish Santa (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581817) |
|
Date: January 11th, 2026 7:59 PM Author: translucent stead maybe i'm dumb, but it sounds like no-prepay-mos are subsidizing prepay-mos? there's some legal reason banks can't charge more for a prepayable loan, so no-prepay-mos are stuck covering it?
it makes sense to me that different contracts should have different prices. for the record, i don't like it, you shouldn't be penalized for pre-paying your debts, but math is math and if the loan issuer was banking on 30 years of interest payments then they should be allowed to contract for a penalty in the event of a lesser amount. 99% of people can't even dream of paying of their mortgage in full so they'll take the lesser rate for the max term. like everything else in america this is just going to punish responsible people. |
|
Date: January 11th, 2026 8:18 PM Author: vermilion supple temple prepayment penalties is allowed friend. there is no law banning it. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581848) |
|
Date: January 11th, 2026 8:25 PM Author: translucent stead then what's this jew's problem? (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581863) |
|
Date: January 11th, 2026 8:27 PM Author: clear reading party it should be the only option (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581866) |
|
Date: January 12th, 2026 8:15 AM Author: Pale brunch goal in life (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582651) |
|
Date: January 11th, 2026 8:29 PM Author: vermilion supple temple he wants govt guarantees of these mortgages (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581870) |
|
Date: January 15th, 2026 7:28 AM Author: Stimulating menage sound barrier Some states ban them or significantly limit them. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591033) |
|
Date: January 11th, 2026 8:44 PM Author: exhilarant plaza mediation 1488 fuck Jews, but I'm on board with this. (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581899) |
|
Date: January 11th, 2026 8:45 PM Author: vermilion supple temple (jewish banker) (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581901) |
|
Date: January 11th, 2026 8:45 PM Author: clear reading party https://xoxohth.com/thread.php?thread_id=5820747&mc=51&forum_id=2#49581165 (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581902) |
|
Date: January 11th, 2026 8:46 PM Author: floppy confused locale scourge upon the earth he's such a vile and disgusting (((person))) (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581904) |
|
Date: January 11th, 2026 9:12 PM Author: big coffee pot kitty cat Lmao we’re at the “why this is a GOOD thing” stage of Jewish bargaining.
You fucking kikes |
|
Date: January 11th, 2026 9:21 PM Author: orchid talented trailer park Here's the problem with this - what he's saying is correct - consumer in theory would be better off with the right to choose more options, etc. There's "economic surplus" here by offering more flexibility
But the way our economy works now, 0% of that surplus would flow to consumers. The banks would employ literally thousands of mathematicians and pyschologists to figure out how to fuck over consumers - making the math such that now you have two options, both equally bad. |
|
Date: January 11th, 2026 10:08 PM Author: big coffee pot kitty cat The disingenuous kike fucks itt and irl know this. Ackman knows this. They are scum kike rats who hate you though haha (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582100) |
|
Date: January 12th, 2026 1:20 AM Author: wine blood rage striped hyena (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582391) |
|
Date: January 12th, 2026 1:09 AM Author: mind-boggling frozen abode they're off now!! who knew that (((Bill Ackman))) would be like this. Who could have seen (((this))) coming? If only we had some (((sign))) that he might be like (((this))). (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582368) |
|
Date: January 12th, 2026 10:08 AM Author: vermilion supple temple (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582810) |
|
Date: January 15th, 2026 6:39 AM Author: Blathering Office complete bolt from the blue here.... (http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49590983) |
|
Date: January 15th, 2026 7:31 AM Author: Stimulating menage sound barrier Consumers ahould have choice.
But as we all know certain financier types would ensure the median consoomer makes poor choice to banks' benefit.
|
|
Date: January 15th, 2026 9:45 AM Author: vermilion supple temple There is no law stopping banks from offering these types of mortgages. So the choice already exists.
This Jew just wants the US govt to guarantee these types of loans. |