The most prestigious law school admissions discussion board in the world.
|
 |
    1 addresses in this thread.
You have 0 points. Copying this list does not send funds. Paste it on Disperse, then connect your wallet there. |
State your mortgage interest rate before I engage you further!
| Thirsty locus | 08/17/26 |
| laughsome hilarious temple | 08/17/26 |
| Thirsty locus | 08/17/26 |
| laughsome hilarious temple | 08/18/26 |
| Fiercely-loyal ruddy brethren | 08/18/26 |
| Thirsty locus | 08/18/26 |
| gunneratttt | 08/17/26 |
| bateful national athletic conference | 08/17/26 |
| Brussels Sprout (Apropos of the Wet Snow) | 08/17/26 |
| Fiercely-loyal ruddy brethren | 08/18/26 |
| laughsome hilarious temple | 08/18/26 |
| dark resort keepsake machete | 08/18/26 |
| dark resort keepsake machete | 08/18/26 |
| Swollen gaped yarmulke | 08/18/26 |
| excitant slate mexican | 08/18/26 |
| excitant slate mexican | 08/18/26 |
| Thirsty locus | 08/18/26 |
| excitant slate mexican | 08/19/26 |
| Stimulating parlour | 08/18/26 |
| animeboi | 08/18/26 |
| Sapphire beady-eyed pit | 08/18/26 |
| confused aphrodisiac sound barrier | 08/19/26 |
| Sapphire beady-eyed pit | 08/19/26 |
| fear-inspiring weed whacker | 08/18/26 |
| ebony field | 08/18/26 |
| ebony field | 08/18/26 |
| plum center cuckoldry | 08/18/26 |
| richard clock | 08/18/26 |
| Judgmental Cuckold | 08/19/26 |
| Brussels Sprout (Apropos of the Wet Snow) | 08/19/26 |
| Brussels Sprout (Apropos of the Wet Snow) | 08/19/26 |
| light spot voyeur | 08/19/26 |
| Brussels Sprout (Apropos of the Wet Snow) | 08/19/26 |
| Brussels Sprout (Apropos of the Wet Snow) | 08/19/26 |
| Claret toaster depressive | 08/19/26 |
| mustard rambunctious stage | 08/19/26 |
Poast new message in this thread
Date: August 17th, 2026 1:47 PM Author: Thirsty locus (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50073534) |
Date: August 17th, 2026 1:51 PM Author: laughsome hilarious temple 1.25% (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50073549) |
 |
Date: August 17th, 2026 1:54 PM Author: Thirsty locus How? (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50073558) |
|
Date: August 18th, 2026 10:28 AM Author: laughsome hilarious temple lol if u couldnt lock this in.. you have to know people (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075332) |
|
Date: August 18th, 2026 10:28 AM Author: Fiercely-loyal ruddy brethren (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075333) |
|
Date: August 18th, 2026 7:04 PM Author: Thirsty locus (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50076471) |
|
Date: August 17th, 2026 1:59 PM Author: gunneratttt (gunneratttt) 3.5% (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50073579) |
|
Date: August 17th, 2026 2:04 PM Author: bateful national athletic conference 2.25% (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50073605) |
|
Date: August 17th, 2026 2:06 PM Author: Brussels Sprout (Apropos of the Wet Snow) 7.25% APR with 1 point (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50073608) |
|
Date: August 18th, 2026 10:28 AM Author: Fiercely-loyal ruddy brethren 2.15% (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075334) |
|
Date: August 18th, 2026 10:30 AM Author: laughsome hilarious temple king (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075338) |
|
Date: August 18th, 2026 10:32 AM Author: dark resort keepsake machete He's probably referring to his boomer kike landlord's interest rate (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075341) |
|
Date: August 18th, 2026 10:29 AM Author: dark resort keepsake machete 5.5% LJL (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075335) |
|
Date: August 18th, 2026 10:32 AM Author: Swollen gaped yarmulke 2.6% bitch
My life sucks btw |
|
Date: August 18th, 2026 10:39 AM Author: excitant slate mexican no mortgage (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075353) |
|
Date: August 18th, 2026 10:42 AM Author: excitant slate mexican lol lots of govt handout recipients ITT (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075360) |
|
Date: August 18th, 2026 7:04 PM Author: Thirsty locus We're not discussing veterans. (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50076472) |
|
Date: August 19th, 2026 5:48 AM Author: excitant slate mexican anyone with a sub 5% mortgage took a govt handout. hth (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50077589) |
|
Date: August 18th, 2026 10:43 AM Author: Stimulating parlour 3% did I maek it (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075362) |
|
Date: August 18th, 2026 10:48 AM Author: animeboi (.) 6.5% should I pay this off with a box loan? (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075369) |
|
Date: August 18th, 2026 11:00 AM Author: Sapphire beady-eyed pit We got down to 1.79 on a 15 year fixed. I think that was before COVID, maybe 2019?. I make the last payment on that house next month. (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50075389) |
|
Date: August 19th, 2026 8:01 AM Author: confused aphrodisiac sound barrier Congrats on quickly paying off ur 1.79% mortgage (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50077619) |
|
Date: August 19th, 2026 2:10 PM Author: Sapphire beady-eyed pit That's a rental. We never made extra payments so I guess I did lock that in 15 years ago. Im thinking about taking a new mortgage out on that house to fund a third home and I'd rent out our current place (3.2%).
We put an offer last month on a water front house that had a separate adu. I was going to rent that as well. However they wouldn't budge off their price which I think is about $100k too high. That's another thing, the realtors say shit like well around $1.1 or $1.2 million...umm that's a hundred fucking thousand dollar difference, not some decimal. |
|
Date: August 18th, 2026 8:01 PM Author: fear-inspiring weed whacker I have no mortgage and I must demur. (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50076618) |
|
Date: August 18th, 2026 8:08 PM Author: ebony field 2.85%.
In Q2 2027 it goes adjustable.
I took it out early in COVID and rates were still dropping and they underwrote at a BS low appraisal value bc of COVID conservativeness. Plan was to refinance into a 30 year at a similar rate after 6-12 months taking ~$100k-$200k out with the corrected appraisal. But then I got busy. And by the time I got around to it, rates were up to like 4.5% and I chose to just stick with the adjustable.
Plan is to refinance it down to roughly 40% LTV. Monthly payment will not go up much with the paydown, but interest rate will be like 6.5% so plan will be to pay it down fairly aggressively.
I can't believe I fucked up by missing my refi window in 2020-2021. |
|
Date: August 18th, 2026 8:13 PM Author: ebony field Or maybe I'll pay it down to 30% LTV do the refinance at a 15 year for the lower interest rate. We'll see how the numbers plan out in 4-5 months. (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50076640) |
|
Date: August 18th, 2026 8:28 PM Author: plum center cuckoldry 1.875 15 year 10 years left get on my fucking level (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50076660) |
|
Solana HdCkeCbtRd5mwddmuuZPCbCjdpRWDeriZYAzWixg1dkC ₿ Bitcoin 3FyqsMaUNBTpopSbjZvW8D7rWvpmdzbzsP Ξ Ethereum
0xCE955F7F2A24fB8A7c3cd6F115F65E016c785EC8 Date: August 18th, 2026 8:29 PM Author: richard clock 2.75% (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50076662) |
|
Date: August 19th, 2026 8:37 AM Author: Judgmental Cuckold No mortgage (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50077634) |
|
Date: August 19th, 2026 8:52 AM Author: Brussels Sprout (Apropos of the Wet Snow) real talk: the Fed needs to consider cutting interest rates in order to revive a frozen housing market-- the people looking to buy a house deserve as much (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50077660) |
|
Date: August 19th, 2026 8:59 AM Author: Brussels Sprout (Apropos of the Wet Snow) wow, Kevin Warsh must be lurking on this boart--thanks Chair! https://www.cnbc.com/2026/08/19/treasury-announces-upscaled-buyback-operation-for-longer-term-debt-sending-yields-lower.html |
|
Date: August 19th, 2026 9:03 AM Author: light spot voyeur (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50077669) |
|
Date: August 19th, 2026 9:07 AM Author: Brussels Sprout (Apropos of the Wet Snow) based on earnings yesterday and today, the housing and construction sector reflects a K shape economy where the upscale Home Depot stills prospers in the current frozen real estate market, while the prole Lowes is a sinking ship (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50077675) |
|
Date: August 19th, 2026 9:25 AM Author: Brussels Sprout (Apropos of the Wet Snow) oops, it wasn't quantitative easing by the Fed--instead, it was Scott Bessent at Treasury that took necessary action, just like when he punched Elon Musk in the face inside the Oval Office -- at least Elon took it like a man (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50077692) |
|
Date: August 19th, 2026 9:18 AM Author: Claret toaster depressive 2.99% (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50077683) |
|
Date: August 19th, 2026 2:12 PM Author: mustard rambunctious stage 6.375 (https://xoxohth.com/thread.php?thread_id=5894102&forum_id=2#50078301) |