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Forum » 30 Year Fixed Mortgage 6.28%, Thanks Biden, I mean Putin
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Thread: 30 Year Fixed Mortgage 6.28%, Thanks Biden, I mean Putin

post 1662860883 06-14-2022, 03:49 PM
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#31
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brutal
60% of homeowners, every time, buy a house based on the payment they can afford
prices will compensate about 35%, every time
<HTC>
post 1662860943 06-14-2022, 03:51 PM
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#32
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2.25% 30 year fixed

Everyone can suck my dick


Lol @ renties srs
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post 1662861463 06-14-2022, 04:00 PM
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#33
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Originally Posted By solidus2k3⏩
brutal
60% of homeowners, every time, buy a house based on the payment they can afford
prices will compensate about 35%, every time
as opposed to buying a home with a payment they can't?? what are you getting at?
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post 1662861523 06-14-2022, 04:01 PM
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#34
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Originally Posted By Destor⏩
Time to diversify boyo (srs)
My Angus is peppered.


If my wealth drops I won't really give a fuk.
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post 1662861683 06-14-2022, 04:05 PM
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#35
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Originally Posted By SoutheastBeast1⏩
It’s not how much your house is worth. That’s for sure

BRB taking a fancy vacation because my house value jumped from 220k to 450k

BRB celebrating by buying a boat because my house value jumped from 220k to 450k

Oh wait….

Lmao at thinking you’re wealthy but can’t actually spend any of it. Apparently the concept of liquidity means jack sh*t to you. Have fun with your home equity loan just to be able to access your “wealth”. Can’t imagine paying interest just to access all my wealth if I would ever need it or want to spend it.

If 50% of your net worth or more is tied to the value of your home you haven’t made it. You’re still poor, dead srs. Thinking different is just cope from homeowners.
you do realize you can use equity to leverage loans and buy more property with a downpayment and repeat until you own more than a million dollars in property and are generating thousands in monthly income from rental properties? Thats just one route. You think fukking doctors and lawyers make 500k a year? no they know how to use their money and assets to gain more assets and wealth.

The fuk outta here with your nonsense i figured out 3 years ago. I dont need lessons from you kiddo.
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post 1662861873 06-14-2022, 04:09 PM
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#36
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In on hourly mortgagecel vs rentcel thread
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post 1662862843 06-14-2022, 04:30 PM
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#37
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Originally Posted By Jestbrah⏩
you do realize you can use equity to leverage loans and buy more property with a downpayment and repeat until you own more than a million dollars in property and are generating thousands in monthly income from rental properties? Thats just one route. You think fukking doctors and lawyers make 500k a year? no they know how to use their money and assets to gain more assets and wealth.

The fuk outta here with your nonsense i figured out 3 years ago. I dont need lessons from you kiddo.
Home equity loans can be another dimension of risk that will likely unravel here as rates rise and those equity loans are tied to fluctuating prime rates
post 1662863073 06-14-2022, 04:33 PM
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#38
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Mortgage rates are going to hit 10-12% by Q1 2023. Book it.
post 1662863173 06-14-2022, 04:36 PM
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#39
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Originally Posted By Berts⏩
Awe, Rentcel I see

My loan right now is below 3%, I owe $215,000 for my house and my retirement/vacation land and its worth $650,000 today, well it was yesterday, these rates might effect that now. I doubt we drop 67% mate
Dude Boise is extremely overvalued. Once these mortgage rates hit 10-12%, we’re talking a 40% devaluation of your home.

I hope and pray that you and your family will be fine. But just be prepared. This impending economy is going to **** over renters and owners alike.
post 1662863223 06-14-2022, 04:37 PM
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#40
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Barbaric.

We locked in a 20 year refi for 2.7% March of last year. How about $150k in equity (might come back to reality, which would still leave some equity though).

I can’t imagine having to swallow the massive interest pill to get a home in todays market.
Lurking since '05 - the days of VS gorilla/cloud/goku threads
post 1662863353 06-14-2022, 04:40 PM
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#41
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Originally Posted By SoutheastBeast1⏩
It’s not how much your house is worth. That’s for sure

BRB taking a fancy vacation because my house value jumped from 220k to 450k

BRB celebrating by buying a boat because my house value jumped from 220k to 450k

Oh wait….

Lmao at thinking you’re wealthy but can’t actually spend any of it. Apparently the concept of liquidity means jack sh*t to you. Have fun with your home equity loan just to be able to access your “wealth”. Can’t imagine paying interest just to access all my wealth if I would ever need it or want to spend it.

If 50% of your net worth or more is tied to the value of your home you haven’t made it. You’re still poor, dead srs. Thinking different is just cope from homeowners.
I was going to let your comment slide, but not this time. The disrespect from little 170lbs fukkers and wheelspinners with extremely unimpressive net worths and keyboard warriors trying to knock people who actually have moneymaxxing experience and knowledge on this forum is out of control.

Yall want to disrespect one of the last knowledgeable investors on here because you think everything is about peds and drugs you can get royally fukked the whole lot of you.

Seriously misc is descending into **** faster and faster every day.

The amount of dumbass poor miscers who think they deserve to have a voice with people who actually take investing seriously is disgusting.

shut your fukking mouth if you don't know what you are talking about.

I am seriously blown away that people think they can tell Jestbrah how investing and building wealth works FFS
post 1662863363 06-14-2022, 04:40 PM
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#42
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y do smoothbrainlets give a fuk about what other peoples houses are worth? run yo own race!
post 1662864353 06-14-2022, 05:05 PM
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#43
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Originally Posted By BrianDaMan⏩
I was going to let your comment slide, but not this time. The disrespect from little 170lbs fukkers and wheelspinners with extremely unimpressive net worths and keyboard warriors trying to knock people who actually have moneymaxxing experience and knowledge on this forum is out of control.

Yall want to disrespect one of the last knowledgeable investors on here because you think everything is about peds and drugs you can get royally fukked the whole lot of you.

Seriously misc is descending into **** faster and faster every day.

The amount of dumbass poor miscers who think they deserve to have a voice with people who actually take investing seriously is disgusting.

shut your fukking mouth if you don't know what you are talking about.

I am seriously blown away that people think they can tell Jestbrah how investing and building wealth works FFS
Haha, this is the best post I’ve seen in a while. Well done.
post 1662864963 06-14-2022, 05:17 PM
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#44
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Originally Posted By QuickShotSteve⏩
my first house in the mid 2000s was 6.x %

We kind of lived in a dream world for the past 10 years or so with such cheap money. Everyone in finance wanted to go into stocks because there was no money in banking. Lets see how this changes that jobs market.

TFW below average at 2.25%
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post 1662865483 06-14-2022, 05:31 PM
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#45
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Originally Posted By SoutheastBeast1⏩
It’s not how much your house is worth. That’s for sure

BRB taking a fancy vacation because my house value jumped from 220k to 450k

BRB celebrating by buying a boat because my house value jumped from 220k to 450k

Oh wait….

Lmao at thinking you’re wealthy but can’t actually spend any of it. Apparently the concept of liquidity means jack sh*t to you. Have fun with your home equity loan just to be able to access your “wealth”. Can’t imagine paying interest just to access all my wealth if I would ever need it or want to spend it.

If 50% of your net worth or more is tied to the value of your home you haven’t made it. You’re still poor, dead srs. Thinking different is just cope from homeowners.
You're mad as Hell. How "liquid" is all of that money you spent on rent in return for ZERO equity (well there is equity, it's being generated by the landlord whose mortgage you're helping to pay off like a cuck...unless it's already paid off, then it's mostly all profit for him/her)?
post 1662865653 06-14-2022, 05:36 PM
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#46
  1. MiamiLife305
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Originally Posted By QuickShotSteve⏩
my first house in the mid 2000s was 6.x %

We kind of lived in a dream world for the past 10 years or so with such cheap money. Everyone in finance wanted to go into stocks because there was no money in banking. Lets see how this changes that jobs market.

And wages vs housing prices were not so skewed and fuked that people were able to afford homes with high mortgage rates

good luck buying a home today with 7% rates and these wages people are getting paid
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post 1662865823 06-14-2022, 05:43 PM
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#47
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Originally Posted By ujelly⏩
All these people happy with their low rates, you gonna be happy when you are upside down for the next 20 years? Keep coping if you bought in the last few years. Hold the excuses also.
LMAO. I'm in the same boat as you are and jelly as fuk, but I can't pretend to this degree.
Virtue is its own reward.
post 1662865923 06-14-2022, 05:46 PM
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#48
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Originally Posted By MiamiLife305⏩
And wages vs housing prices were not so skewed and fuked that people were able to afford homes with high mortgage rates

good luck buying a home today with 7% rates and these wages people are getting paid
dont worry

the democrats are just creating a major problem that they can magically have a solution for in 2024 if you elect them president again
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post 1662866283 06-14-2022, 05:54 PM
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#49
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What's a mortgage for?
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post 1662867093 06-14-2022, 06:15 PM
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#50
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Originally Posted By Jms89⏩
LMAO got my 2.75% fixed locked at 15 years boyos
2.5 locked in for 30 years. Cum at me
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post 1662867913 06-14-2022, 06:34 PM
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#51
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Originally Posted By solidus2k3⏩
brutal
60% of homeowners, every time, buy a house based on the payment they can afford
prices will compensate about 35%, every time
Who are the other 40% dumb ****s? Shouldn’t everyone be buying a house based on a payment they can afford?

Affordability is subjective, but I tend to classify it as between 25 - 30% of net monthly income.
post 1662868023 06-14-2022, 06:36 PM
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#52
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Originally Posted By Jestbrah⏩
you do realize you can use equity to leverage loans and buy more property with a downpayment and repeat until you own more than a million dollars in property and are generating thousands in monthly income from rental properties? Thats just one route. You think fukking doctors and lawyers make 500k a year? no they know how to use their money and assets to gain more assets and wealth.

The fuk outta here with your nonsense i figured out 3 years ago. I dont need lessons from you kiddo.
At what is one over leveraged when doing that? Seems like that person would have to constantly be worried for being on the hook for all of those mortgages.
post 1662868373 06-14-2022, 06:45 PM
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#53
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Originally Posted By QuickShotSteve⏩
Well if you got in on the good times, 2.5-3% is very cheap money, you can free up assets to use in other investment markets, and grow it considerably, as its pretty hard to make less than 2.5-3% apr, unless youre retarded.

So why have a paid off house, when you can use its equity for cash value and let the money work for you.

But, it is nice to own things outright if you dont want to be in markets, or have a varying income lifestyle, etc etc.
I agree, but I’m not sure if most people do that. I think most people take out home equity loans to pay off debt and maybe do a little upgrade on the house. Which the upgrade may or may not add value onto the home. Outside of these crazy years I’m not sure if most Americans had enough equity in their homes to make it worthwhile.
post 1662871063 06-14-2022, 07:51 PM
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#54
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