https://x.com/billackman/status/2010139261282959528

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581042)

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.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581079)

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.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581089)

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.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581599)

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

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582388)

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.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581129)

"Me mum's a lampshade, me da's a bar 'o soap!"

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49582364)

i dont give a fuck what they do

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581162)

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.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591199)

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.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581799)

You fucking kikes

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581965)

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.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49581985)

But as we all know certain financier types would ensure the median consoomer makes poor choice to banks' benefit.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591034)

This Jew just wants the US govt to guarantee these types of loans.

(http://www.autoadmit.com/thread.php?thread_id=5820747&forum_id=2#49591200)