\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

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...
offensive international law enforcement agency
  03/24/26
terms? amount?
flickering henna trailer park
  03/24/26
30 year, 6.5%, less than half a million. I know the rate is ...
offensive international law enforcement agency
  03/24/26
JFC- amortizing?
flickering henna trailer park
  03/24/26
Only 359 more monthly installments and it's all yours
dashing unholy pervert
  03/24/26
Fuck yeah
offensive international law enforcement agency
  03/24/26
Can't put a price on peace of mind haha
dashing unholy pervert
  03/24/26
I don't know what equity is but I am now building it, friend...
offensive international law enforcement agency
  03/24/26
Well, you will be in about 10 years. You're really just payi...
grizzly wild senate headpube
  03/24/26
if the housing market is flat for 10 years, which has never ...
violent olive theater clown
  03/24/26
Actually it goes flat or even loses money during many 10 yea...
floppy yarmulke
  03/24/26
im talking about nominal equity. https://fred.stlouisfed...
violent olive theater clown
  03/24/26
Nah Dec 1989 - Dec 89 was also down. And you have many other...
floppy yarmulke
  03/24/26
where is this data even from? it marks the real price around...
violent olive theater clown
  03/24/26
*gets BTFO because he can't even read a graph* Response: ...
floppy yarmulke
  03/24/26
if you had an explanation for why your chart shows a -25% in...
violent olive theater clown
  03/24/26
Because it's the REAL home price chart. Says at the top. You...
floppy yarmulke
  03/24/26
(xoxo 2026)
Anal meetinghouse doctorate
  03/24/26
...
Trip burgundy alpha gas station
  03/24/26
...
Trip burgundy alpha gas station
  03/24/26
...
Trip burgundy alpha gas station
  03/24/26
...
Trip burgundy alpha gas station
  03/24/26
...
Trip burgundy alpha gas station
  03/24/26
...
Trip burgundy alpha gas station
  03/24/26
...
Trip burgundy alpha gas station
  03/24/26
...
Trip burgundy alpha gas station
  03/24/26
...
flickering henna trailer park
  03/24/26
...
Soul-stirring tanning salon
  03/24/26
Yikes, my guy
carmine submissive stage
  03/24/26
Don't forget the property tax, friend
grizzly wild senate headpube
  03/24/26
as long as you don't miss a property tax payment or become u...
Anal meetinghouse doctorate
  03/24/26
sounds like you got it backwards hoss
dashing unholy pervert
  03/24/26
What are you going to do with a House? Pretend to play games...
Effete rose brunch jap
  03/24/26
Live there with my darling girl and maek a home.
offensive international law enforcement agency
  03/24/26
Explain the relationship with the girl w/r/t to (a) the mort...
grizzly wild senate headpube
  03/24/26
DESCRIBE the home ELI5 the terms of your loan
carmine submissive stage
  03/24/26
I love the place. 2 stories, 2 br 2.5 ba, going to use one a...
offensive international law enforcement agency
  03/24/26
Neat. See you in 30 years
dashing unholy pervert
  03/24/26
What year was it built? SFH?
Ruddy Mad-dog Skullcap
  03/24/26
Congrats man 2 br is kinda few for a 2 story place. Is t...
carmine submissive stage
  03/24/26
Thanks man Feel like I'm cruisin' for a doobsin' at this po...
offensive international law enforcement agency
  03/24/26
over 1000 square feet tp
Effete rose brunch jap
  03/24/26
Spaceporn was spamming your irl name for weeks
talented jewess range
  03/24/26
Fuck spaceporn. He needs to be held accountable for the 10+ ...
Electric hell
  03/24/26
...
offensive international law enforcement agency
  03/26/26
Brother, I just bought a 5 bedroom 1.2 acre manse with its o...
aromatic school skinny woman
  03/24/26
Nice, my place is similar. Basketball court though.
floppy yarmulke
  03/24/26
LJL at your interest rate. I just locked a 5.125% rate. Of c...
aromatic school skinny woman
  03/24/26
red state?
cracking bistre national security agency
  03/24/26
you buy it yourself? or your gf putting anything into it? ...
irradiated multi-billionaire
  03/24/26
I remember how 180 it was when my GF (now wife) first moved ...
Razzmatazz pozpig
  03/24/26
the silence from lex tp here is Deafening
irradiated multi-billionaire
  03/24/26
JFC. same after (future) wife moved in, banked $2-3k extra ...
flickering henna trailer park
  03/25/26
She is putting money into it, but i am carrying the closing ...
offensive international law enforcement agency
  03/24/26
lex, lex, you thought you could sneak this one by us??! a...
irradiated multi-billionaire
  03/24/26
I love my internet lawyer friends I also love attention who...
offensive international law enforcement agency
  03/24/26
...
Glassy Impressive Heaven
  03/24/26
Congratulations on Home Ownership. You are now a member of a...
Fishy regret
  03/24/26
Congrats, friend. You deserve it.
Thriller Pearly Casino Cuckoldry
  03/24/26
...
irradiated multi-billionaire
  03/24/26
...
soggy magenta marketing idea friendly grandma
  03/24/26
...
Cerebral really tough guy rehab
  03/24/26
can't wait to be your prole goy mentor friend.
violent olive theater clown
  03/24/26
Thank in advance for for pretending not to judge me
offensive international law enforcement agency
  03/24/26
"which end goes in my ass?", lex asked the horrifi...
violent olive theater clown
  03/24/26
...
jade forum azn
  03/24/26


Poast new message in this thread



Reply Favorite

Date: March 24th, 2026 2:13 PM
Author: offensive international law enforcement agency

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: flickering henna trailer park

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: offensive international law enforcement agency

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: flickering henna trailer park

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: dashing unholy pervert

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: offensive international law enforcement agency

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: dashing unholy pervert

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: offensive international law enforcement agency

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: grizzly wild senate headpube

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: violent olive theater clown

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: floppy yarmulke

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: violent olive theater clown

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: floppy yarmulke

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: violent olive theater clown

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: floppy yarmulke

*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: violent olive theater clown

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: floppy yarmulke

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: Anal meetinghouse doctorate

(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: Trip burgundy alpha gas station



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: Trip burgundy alpha gas station



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: Trip burgundy alpha gas station



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: Trip burgundy alpha gas station



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: Trip burgundy alpha gas station



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: Trip burgundy alpha gas station



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: Trip burgundy alpha gas station



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: Trip burgundy alpha gas station



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



Reply Favorite

Date: March 24th, 2026 2:25 PM
Author: flickering henna trailer park



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



Reply Favorite

Date: March 24th, 2026 2:27 PM
Author: Soul-stirring tanning salon



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



Reply Favorite

Date: March 24th, 2026 4:16 PM
Author: carmine submissive stage

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: grizzly wild senate headpube

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: Anal meetinghouse doctorate

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: dashing unholy pervert

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: Effete rose brunch jap

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: offensive international law enforcement agency

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: grizzly wild senate headpube

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: carmine submissive stage

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: offensive international law enforcement agency

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: dashing unholy pervert

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: Ruddy Mad-dog Skullcap

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: carmine submissive stage

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: offensive international law enforcement agency

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: Effete rose brunch jap

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: talented jewess range

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: Electric hell

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: offensive international law enforcement agency



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



Reply Favorite

Date: March 24th, 2026 2:23 PM
Author: aromatic school skinny woman

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: floppy yarmulke

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: aromatic school skinny woman

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: cracking bistre national security agency

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: irradiated multi-billionaire

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: Razzmatazz pozpig

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: irradiated multi-billionaire

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: flickering henna trailer park

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: offensive international law enforcement agency

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: irradiated multi-billionaire

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: offensive international law enforcement agency

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: Glassy Impressive Heaven



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



Reply Favorite

Date: March 24th, 2026 4:35 PM
Author: Fishy regret

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: Thriller Pearly Casino Cuckoldry

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: irradiated multi-billionaire



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



Reply Favorite

Date: March 24th, 2026 5:07 PM
Author: soggy magenta marketing idea friendly grandma



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



Reply Favorite

Date: March 24th, 2026 7:06 PM
Author: Cerebral really tough guy rehab



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



Reply Favorite

Date: March 24th, 2026 4:37 PM
Author: violent olive theater clown

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: offensive international law enforcement agency

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: violent olive theater clown

"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: jade forum azn



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