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Just received final approval on a home loan. Closing this week. I'm a person now

Finally, I have a stake in something beyond a car. Feels wei...
Cream business firm
  03/24/26
terms? amount?
Contagious cowardly shrine generalized bond
  03/24/26
30 year, 6.5%, less than half a million. I know the rate is ...
Cream business firm
  03/24/26
JFC- amortizing?
Contagious cowardly shrine generalized bond
  03/24/26
Only 359 more monthly installments and it's all yours
Dun Unholy Abode
  03/24/26
Fuck yeah
Cream business firm
  03/24/26
Can't put a price on peace of mind haha
Dun Unholy Abode
  03/24/26
I don't know what equity is but I am now building it, friend...
Cream business firm
  03/24/26
Well, you will be in about 10 years. You're really just payi...
internet-worthy legal warrant
  03/24/26
if the housing market is flat for 10 years, which has never ...
drunken indirect expression church
  03/24/26
Actually it goes flat or even loses money during many 10 yea...
Bateful Snowy International Law Enforcement Agency Point
  03/24/26
im talking about nominal equity. https://fred.stlouisfed...
drunken indirect expression church
  03/24/26
Nah Dec 1989 - Dec 89 was also down. And you have many other...
Bateful Snowy International Law Enforcement Agency Point
  03/24/26
where is this data even from? it marks the real price around...
drunken indirect expression church
  03/24/26
*gets BTFO because he can't even read a graph* Response: ...
Bateful Snowy International Law Enforcement Agency Point
  03/24/26
if you had an explanation for why your chart shows a -25% in...
drunken indirect expression church
  03/24/26
Because it's the REAL home price chart. Says at the top. You...
Bateful Snowy International Law Enforcement Agency Point
  03/24/26
(xoxo 2026)
trip senate
  03/24/26
...
amethyst giraffe principal's office
  03/24/26
...
amethyst giraffe principal's office
  03/24/26
...
amethyst giraffe principal's office
  03/24/26
...
amethyst giraffe principal's office
  03/24/26
...
amethyst giraffe principal's office
  03/24/26
...
amethyst giraffe principal's office
  03/24/26
...
amethyst giraffe principal's office
  03/24/26
...
amethyst giraffe principal's office
  03/24/26
...
Contagious cowardly shrine generalized bond
  03/24/26
...
iridescent hairraiser meetinghouse gunner
  03/24/26
Yikes, my guy
provocative elite police squad main people
  03/24/26
Don't forget the property tax, friend
internet-worthy legal warrant
  03/24/26
as long as you don't miss a property tax payment or become u...
trip senate
  03/24/26
sounds like you got it backwards hoss
Dun Unholy Abode
  03/24/26
What are you going to do with a House? Pretend to play games...
comical wine plaza macaca
  03/24/26
Live there with my darling girl and maek a home.
Cream business firm
  03/24/26
Explain the relationship with the girl w/r/t to (a) the mort...
internet-worthy legal warrant
  03/24/26
DESCRIBE the home ELI5 the terms of your loan
provocative elite police squad main people
  03/24/26
I love the place. 2 stories, 2 br 2.5 ba, going to use one a...
Cream business firm
  03/24/26
Neat. See you in 30 years
Dun Unholy Abode
  03/24/26
What year was it built? SFH?
razzle light double fault
  03/24/26
Congrats man 2 br is kinda few for a 2 story place. Is t...
provocative elite police squad main people
  03/24/26
Thanks man Feel like I'm cruisin' for a doobsin' at this po...
Cream business firm
  03/24/26
over 1000 square feet tp
comical wine plaza macaca
  03/24/26
Spaceporn was spamming your irl name for weeks
Narrow-minded maroon indian lodge community account
  03/24/26
Fuck spaceporn. He needs to be held accountable for the 10+ ...
Razzle-dazzle Resort Internal Respiration
  03/24/26
...
Cream business firm
  03/26/26
Brother, I just bought a 5 bedroom 1.2 acre manse with its o...
Laughsome Haunted Graveyard
  03/24/26
Nice, my place is similar. Basketball court though.
Bateful Snowy International Law Enforcement Agency Point
  03/24/26
LJL at your interest rate. I just locked a 5.125% rate. Of c...
Laughsome Haunted Graveyard
  03/24/26
red state?
Khaki Exhilarant Area
  03/24/26
you buy it yourself? or your gf putting anything into it? ...
Cyan Abusive School Cafeteria Place Of Business
  03/24/26
I remember how 180 it was when my GF (now wife) first moved ...
Onyx hairy legs
  03/24/26
the silence from lex tp here is Deafening
Cyan Abusive School Cafeteria Place Of Business
  03/24/26
JFC. same after (future) wife moved in, banked $2-3k extra ...
Contagious cowardly shrine generalized bond
  03/25/26
She is putting money into it, but i am carrying the closing ...
Cream business firm
  03/24/26
lex, lex, you thought you could sneak this one by us??! a...
Cyan Abusive School Cafeteria Place Of Business
  03/24/26
I love my internet lawyer friends I also love attention who...
Cream business firm
  03/24/26
...
Lavender church building azn
  03/24/26
Congratulations on Home Ownership. You are now a member of a...
mahogany massive casino
  03/24/26
Congrats, friend. You deserve it.
big salmon library trump supporter
  03/24/26
...
Cyan Abusive School Cafeteria Place Of Business
  03/24/26
...
aphrodisiac mental disorder messiness
  03/24/26
...
Wonderful pisswyrm state
  03/24/26
can't wait to be your prole goy mentor friend.
drunken indirect expression church
  03/24/26
Thank in advance for for pretending not to judge me
Cream business firm
  03/24/26
"which end goes in my ass?", lex asked the horrifi...
drunken indirect expression church
  03/24/26
...
lascivious theatre
  03/24/26


Poast new message in this thread



Reply Favorite

Date: March 24th, 2026 2:13 PM
Author: Cream business firm

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),#49765481)



Reply Favorite

Date: March 24th, 2026 2:14 PM
Author: Contagious cowardly shrine generalized bond

terms? amount?

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765486)



Reply Favorite

Date: March 24th, 2026 2:16 PM
Author: Cream business firm

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),#49765496)



Reply Favorite

Date: March 24th, 2026 2:20 PM
Author: Contagious cowardly shrine generalized bond

JFC- amortizing?

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765512)



Reply Favorite

Date: March 24th, 2026 2:24 PM
Author: Dun Unholy Abode

Only 359 more monthly installments and it's all yours

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765534)



Reply Favorite

Date: March 24th, 2026 2:25 PM
Author: Cream business firm

Fuck yeah

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765536)



Reply Favorite

Date: March 24th, 2026 2:27 PM
Author: Dun Unholy Abode

Can't put a price on peace of mind haha

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765545)



Reply Favorite

Date: March 24th, 2026 3:56 PM
Author: Cream business firm

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),#49765827)



Reply Favorite

Date: March 24th, 2026 5:57 PM
Author: internet-worthy legal warrant

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),#49766061)



Reply Favorite

Date: March 24th, 2026 6:00 PM
Author: drunken indirect expression church

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),#49766065)



Reply Favorite

Date: March 24th, 2026 7:32 PM
Author: Bateful Snowy International Law Enforcement Agency Point

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!

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766311)



Reply Favorite

Date: March 24th, 2026 7:40 PM
Author: drunken indirect expression church

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.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766344)



Reply Favorite

Date: March 24th, 2026 7:53 PM
Author: Bateful Snowy International Law Enforcement Agency Point

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.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766395)



Reply Favorite

Date: March 24th, 2026 8:00 PM
Author: drunken indirect expression church

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.



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766449)



Reply Favorite

Date: March 24th, 2026 8:11 PM
Author: Bateful Snowy International Law Enforcement Agency Point

*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.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766523)



Reply Favorite

Date: March 24th, 2026 8:16 PM
Author: drunken indirect expression church

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),#49766542)



Reply Favorite

Date: March 24th, 2026 10:53 PM
Author: Bateful Snowy International Law Enforcement Agency Point

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.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767030)



Reply Favorite

Date: March 24th, 2026 6:37 PM
Author: trip senate

(xoxo 2026)

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766154)



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: amethyst giraffe principal's office



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767033)



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: amethyst giraffe principal's office



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767034)



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: amethyst giraffe principal's office



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767037)



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: amethyst giraffe principal's office



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767038)



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: amethyst giraffe principal's office



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767039)



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: amethyst giraffe principal's office



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767041)



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: amethyst giraffe principal's office



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767042)



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: amethyst giraffe principal's office



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767043)



Reply Favorite

Date: March 24th, 2026 2:25 PM
Author: Contagious cowardly shrine generalized bond



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765540)



Reply Favorite

Date: March 24th, 2026 2:27 PM
Author: iridescent hairraiser meetinghouse gunner



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765548)



Reply Favorite

Date: March 24th, 2026 4:16 PM
Author: provocative elite police squad main people

Yikes, my guy

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765869)



Reply Favorite

Date: March 24th, 2026 5:58 PM
Author: internet-worthy legal warrant

Don't forget the property tax, friend

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766062)



Reply Favorite

Date: March 24th, 2026 6:38 PM
Author: trip senate

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),#49766157)



Reply Favorite

Date: March 24th, 2026 2:14 PM
Author: Dun Unholy Abode

sounds like you got it backwards hoss

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765487)



Reply Favorite

Date: March 24th, 2026 2:14 PM
Author: comical wine plaza macaca

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),#49765488)



Reply Favorite

Date: March 24th, 2026 2:16 PM
Author: Cream business firm

Live there with my darling girl and maek a home.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765498)



Reply Favorite

Date: March 24th, 2026 5:58 PM
Author: internet-worthy legal warrant

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),#49766063)



Reply Favorite

Date: March 24th, 2026 2:15 PM
Author: provocative elite police squad main people

DESCRIBE the home

ELI5 the terms of your loan

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765491)



Reply Favorite

Date: March 24th, 2026 2:18 PM
Author: Cream business firm

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),#49765506)



Reply Favorite

Date: March 24th, 2026 2:19 PM
Author: Dun Unholy Abode

Neat. See you in 30 years

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765510)



Reply Favorite

Date: March 24th, 2026 2:20 PM
Author: razzle light double fault

What year was it built?

SFH?

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765513)



Reply Favorite

Date: March 24th, 2026 2:21 PM
Author: provocative elite police squad main people

Congrats man

2 br is kinda few for a 2 story place. Is this a sfh? Or attached/town home? How many sq/ft?

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765516)



Reply Favorite

Date: March 24th, 2026 2:26 PM
Author: Cream business firm

Thanks man

Feel like I'm cruisin' for a doobsin' at this point

It is not a sfh, but over 1000 square feet

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765543)



Reply Favorite

Date: March 24th, 2026 5:45 PM
Author: comical wine plaza macaca

over 1000 square feet tp

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766049)



Reply Favorite

Date: March 24th, 2026 6:26 PM
Author: Narrow-minded maroon indian lodge community account

Spaceporn was spamming your irl name for weeks

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766135)



Reply Favorite

Date: March 24th, 2026 8:23 PM
Author: Razzle-dazzle Resort Internal Respiration

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),#49766569)



Reply Favorite

Date: March 26th, 2026 1:09 PM
Author: Cream business firm



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49770689)



Reply Favorite

Date: March 24th, 2026 2:23 PM
Author: Laughsome Haunted Graveyard

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),#49765524)



Reply Favorite

Date: March 24th, 2026 7:56 PM
Author: Bateful Snowy International Law Enforcement Agency Point

Nice, my place is similar. Basketball court though.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766414)



Reply Favorite

Date: March 24th, 2026 2:22 PM
Author: Laughsome Haunted Graveyard

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),#49765520)



Reply Favorite

Date: March 24th, 2026 2:39 PM
Author: Khaki Exhilarant Area

red state?

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765575)



Reply Favorite

Date: March 24th, 2026 3:57 PM
Author: Cyan Abusive School Cafeteria Place Of Business

you buy it yourself? or your gf putting anything into it?

when are you proposing to her?

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765830)



Reply Favorite

Date: March 24th, 2026 4:32 PM
Author: Onyx hairy legs

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.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765903)



Reply Favorite

Date: March 24th, 2026 4:48 PM
Author: Cyan Abusive School Cafeteria Place Of Business

the silence from lex tp here is Deafening

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765933)



Reply Favorite

Date: March 25th, 2026 6:02 AM
Author: Contagious cowardly shrine generalized bond

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!)

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49767392)



Reply Favorite

Date: March 24th, 2026 5:45 PM
Author: Cream business firm

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.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766047)



Reply Favorite

Date: March 24th, 2026 5:48 PM
Author: Cyan Abusive School Cafeteria Place Of Business

lex, lex, you thought you could sneak this one by us??!

are we even your Internet Friends?

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766053)



Reply Favorite

Date: March 24th, 2026 7:53 PM
Author: Cream business firm

I love my internet lawyer friends

I also love attention whoring here across threads

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766396)



Reply Favorite

Date: March 24th, 2026 6:02 PM
Author: Lavender church building azn



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766075)



Reply Favorite

Date: March 24th, 2026 4:35 PM
Author: mahogany massive casino

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),#49765910)



Reply Favorite

Date: March 24th, 2026 4:36 PM
Author: big salmon library trump supporter

Congrats, friend. You deserve it.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765914)



Reply Favorite

Date: March 24th, 2026 4:48 PM
Author: Cyan Abusive School Cafeteria Place Of Business



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765934)



Reply Favorite

Date: March 24th, 2026 5:07 PM
Author: aphrodisiac mental disorder messiness



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765990)



Reply Favorite

Date: March 24th, 2026 7:06 PM
Author: Wonderful pisswyrm state



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766223)



Reply Favorite

Date: March 24th, 2026 4:37 PM
Author: drunken indirect expression church

can't wait to be your prole goy mentor friend.

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765917)



Reply Favorite

Date: March 24th, 2026 5:46 PM
Author: Cream business firm

Thank in advance for for pretending not to judge me

(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49766050)



Reply Favorite

Date: March 24th, 2026 5:53 PM
Author: drunken indirect expression church

"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),#49766056)



Reply Favorite

Date: March 24th, 2026 4:39 PM
Author: lascivious theatre



(http://www.autoadmit.com/thread.php?thread_id=5849275&forum_id=2),#49765921)