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Forum » Is a 3.8k mortgage high?
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Thread: Is a 3.8k mortgage high?

post 10000169647 05-15-2026, 10:21 PM
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Is a 3.8k mortgage high?

That's about what my monthly mortgage will be when I close on this house.

Monthly
$3.8k mortgage
Electricity/Uilities/Bills- $700
Misc( Gym bill, Streaming)- $100

Looking at 4.6k a month in bills. That seems kinda high compared to the 2.7k I was paying renting.
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post 10000169651 05-15-2026, 10:25 PM
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It's all dependent on your monthly net income, you financially illiterate fuck, which is something that you should have considered before buying a house you can't afford
El Bonobo
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post 10000169657 05-15-2026, 10:29 PM
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Originally Posted By Bonobo⏩
It's all dependent on your monthly net income, you financially illiterate fuck, which is something that you should have considered before buying a house you can't afford
Well if he qualified for a loan, he must have either lied on his loan app or he has the income between him and his wife's incomes to cover his monthly nut...
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post 10000169659 05-15-2026, 10:31 PM
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depends where you're at

that's about the average mortgage in NJ
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post 10000169662 05-15-2026, 10:32 PM
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Originally Posted By ExPatriot⏩
Well if he qualified for a loan, he must have either lied on his loan app or he has the income between him and his wife's incomes to cover his monthly nut...
I'm guessing that's his joint income with his wife, which i'm certain is enough to cover it.However, you would think all the numbers should have been nailed down before putting money into escrow, and if he thought the payments would be stressful to make, then he hould have gone cheaper
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post 10000169665 05-15-2026, 10:38 PM
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Originally Posted By Bonobo⏩
I'm guessing that's his joint income with his wife, which i'm certain is enough to cover it.However, you would think all the numbers should have been nailed down before putting money into escrow, and if he thought the payments would be stressful to make, then he hould have gone cheaper
The numbers were ran and understood; he's just trolling breh...JFL

I'm hoping that he post pics of the house!
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post 10000169666 05-15-2026, 10:39 PM
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Originally Posted By ExPatriot⏩
The numbers were ran and understood; he's just trolling breh...JFL

I'm hoping that he post pics of the house!
I i hope, but his posting history suggests that he is an idiot
El Bonobo
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post 10000169670 05-15-2026, 10:42 PM
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Originally Posted By Bonobo⏩
I i hope, but his posting history suggests that he is an idiot
Well if he's buying a house in Maui, he's a very functional idiot...

TBH, I think he's trolling about most of the things that he posts and I find him entertaining, much more so than all these retarded alts!
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post 10000169674 05-15-2026, 10:43 PM
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Originally Posted By ExPatriot⏩
Well if he's buying a house in Maui, he's a very functional idiot...

TBH, I think he's trolling about most of the things that he posts and I find him entertaining, much more so than all these retarded alts!
Hey, don't call my alts retards!
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post 10000169677 05-15-2026, 10:46 PM
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Originally Posted By Bonobo⏩
Hey, don't call my alts retards!
See ShakeBrah's signature
post 10000169683 05-15-2026, 10:54 PM
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Originally Posted By Bonobo⏩
It's all dependent on your monthly net income, you financially illiterate fuck, which is something that you should have considered before buying a house you can't afford
Well I'm glad I don't take financial advice from incels. How long did it take to close escrow on owning your mom's basement?
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post 10000169685 05-15-2026, 10:58 PM
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Originally Posted By taskmob⏩
Well I'm glad I don't take financial advice from incels. How long did it take to close escrow on owning your mom's basement?
See ShakeBrah's signature
post 10000169960 05-16-2026, 07:05 AM
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What is a mortgage? I see alot of miscers use this word but my multiple rental, recreational, and primary properties don't have this phantom term attached to them. Halp.
post 10000169965 05-16-2026, 07:10 AM
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Only morons look at payment only. What interest rate do you have, how much are property taxes, and how much down and how much was the place you were buying?
post 10000169973 05-16-2026, 07:21 AM
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I mean that ain’t bad. Would I pay it, no I wouldn’t. Paying off my mortgage was the first thing I did unfortunately I still technically rent though these village, county and school taxes go up every year smh
post 10000169982 05-16-2026, 07:36 AM
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A high mortgage is retarded. You want a down payment large enough to cover at least 50% of the purchase price, so your monthly bills are under $2,000. Why the fuck would you want a mortgage and bills such a large part of your monthly income? I get the whole leverage debt ideology, but when it comes to your personal home, I think it's retarded and you should secure your home financially as physically fast as possible. If you own your home outright, you will have a whole new attitude in life where you can literally tell people to go eat a dick because you don't have to worry about foreclosure because you got fired or quit your job to take a risk, etc. A mortgage/debt makes you a slave.
post 10000169991 05-16-2026, 07:48 AM
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Originally Posted By gmenfan40⏩
A high mortgage is retarded. You want a down payment large enough to cover at least 50% of the purchase price, so your monthly bills are under $2,000. Why the fuck would you want a mortgage and bills such a large part of your monthly income? I get the whole leverage debt ideology, but when it comes to your personal home, I think it's retarded and you should secure your home financially as physically fast as possible. If you own your home outright, you will have a whole new attitude in life where you can literally tell people to go eat a dick because you don't have to worry about foreclosure because you got fired or quit your job to take a risk, etc. A mortgage/debt makes you a slave.
This
post 10000169998 05-16-2026, 07:58 AM
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Originally Posted By gmenfan40⏩
A high mortgage is retarded. You want a down payment large enough to cover at least 50% of the purchase price, so your monthly bills are under $2,000. Why the fuck would you want a mortgage and bills such a large part of your monthly income? I get the whole leverage debt ideology, but when it comes to your personal home, I think it's retarded and you should secure your home financially as physically fast as possible. If you own your home outright, you will have a whole new attitude in life where you can literally tell people to go eat a dick because you don't have to worry about foreclosure because you got fired or quit your job to take a risk, etc. A mortgage/debt makes you a slave.
x2

If you have the income to pay it, that’s your choice OP. I just wouldn’t want a $4500 monthly obligation hanging over my head. If anything happens to your income, you’ll be fucked.
post 10000170004 05-16-2026, 08:04 AM
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Originally Posted By gmenfan40⏩
A high mortgage is retarded. You want a down payment large enough to cover at least 50% of the purchase price, so your monthly bills are under $2,000. Why the fuck would you want a mortgage and bills such a large part of your monthly income? I get the whole leverage debt ideology, but when it comes to your personal home, I think it's retarded and you should secure your home financially as physically fast as possible. If you own your home outright, you will have a whole new attitude in life where you can literally tell people to go eat a dick because you don't have to worry about foreclosure because you got fired or quit your job to take a risk, etc. A mortgage/debt makes you a slave.
Ain't nobody putting 50% down on a home in Hawaii. I'll just refinance later on to drop my mortgage payments
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post 10000170007 05-16-2026, 08:06 AM
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I downsized my house from a massive 5/3 to a 3/2 and took the equity and what I had already paid on it, combined that with some gold and silver and paid cash for my 3/2. No mortgage crew. Only have one car note and it's our sports car. Gonna pay that off in a year. That's a pretty high mortgage brah. Of course, I live in MS so my 5/3 would have been 1.5 million in a higher cost of living area. Do you have 20% to put down to avoid PMI?
post 10000170009 05-16-2026, 08:08 AM
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Originally Posted By taskmob⏩
Ain't nobody putting 50% down on a home in Hawaii. I'll just refinance later on to drop my mortgage payments
The reason prices go so high is retards like you who drive up the cost. There's also been nearly a 20% increase in foreclosures nationwide over the last 3 months. When will consumers learn....
post 10000170012 05-16-2026, 08:09 AM
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Originally Posted By GuineaDago585⏩
x2

If you have the income to pay it, that’s your choice OP. I just wouldn’t want a $4500 monthly obligation hanging over my head. If anything happens to your income, you’ll be fucked.
yeah, you need to have a really solid savings account too
post 10000170016 05-16-2026, 08:09 AM
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Originally Posted By taskmob⏩
Ain't nobody putting 50% down on a home in Hawaii. I'll just refinance later on to drop my mortgage payments
lmfao @ this brain rot response. You are just in perpetual debt
post 10000170019 05-16-2026, 08:10 AM
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Originally Posted By gmenfan40⏩
A high mortgage is retarded. You want a down payment large enough to cover at least 50% of the purchase price, so your monthly bills are under $2,000. Why the fuck would you want a mortgage and bills such a large part of your monthly income? I get the whole leverage debt ideology, but when it comes to your personal home, I think it's retarded and you should secure your home financially as physically fast as possible. If you own your home outright, you will have a whole new attitude in life where you can literally tell people to go eat a dick because you don't have to worry about foreclosure because you got fired or quit your job to take a risk, etc. A mortgage/debt makes you a slave.
Strong this. Having zero mortgage has been life changing. I go on a vacation every other month, no lie, and don't have to worry about housing crashes or foreclosures. Although it pissed me off greatly when my credit score PLUMMETED after paying off my mortgage. It's been a year and it still hasn't recovered. A credit score is a scam.
post 10000170020 05-16-2026, 08:12 AM
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Originally Posted By hendrixfreak70⏩
Strong this. Having zero mortgage has been life changing. I go on a vacation every other month, no lie, and don't have to worry about housing crashes or foreclosures. Although it pissed me off greatly when my credit score PLUMMETED after paying off my mortgage. It's been a year and it still hasn't recovered. A credit score is a scam.
Congrats bro! The only debt I own is my credit card debt, which I pay off in full every month. The whole system is a scam to entice you into usury, so the Jews can collect.
post 10000170023 05-16-2026, 08:13 AM
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Originally Posted By taskmob⏩
Ain't nobody putting 50% down on a home in Hawaii. I'll just refinance later on to drop my mortgage payments
You live in Hawaii? Aww f-word bye. Lemme go see what kinda house I can afford in Hawaii if I sold my house and kept my current retirement income without ever working again. BRB.
post 10000170024 05-16-2026, 08:13 AM
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Originally Posted By gmenfan40⏩
Congrats bro! The only debt I own is my credit card debt, which I pay off in full every month. The whole system is a scam to entice you into usury, so the Jews can collect.
Jew know it!
post 10000170026 05-16-2026, 08:14 AM
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Originally Posted By gmenfan40⏩
The reason prices go so high is retards like you who drive up the cost. There's also been nearly a 20% increase in foreclosures nationwide over the last 3 months. When will consumers learn....
I have a family of 5 and we're living in a 2 bedroom apartment. We need the extra space buddy. 4.5k isn't that bad, I just can't go to Disneyland every year anymore.

Also 4.5k in let's say 10 years will be the new 2.5k.
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post 10000170030 05-16-2026, 08:17 AM
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Originally Posted By taskmob⏩
I have a family of 5 and we're living in a 2 bedroom apartment. We need the extra space buddy. 4.5k isn't that bad, I just can't go to Disneyland every year anymore.
Why not relocate outside of clown world to a location with a healthy income-to-debt ratio? I never understood why people enslave themselves in these high-cost-of-living places when they can move into an area and be financially free and well off. Moving out of the North East was the best decision I ever made. I'm at a point in my life now, in my 30s, where I don't even need a job if I don't want one. That's not a brag. It's something anyone can do if they aren't stubborn.
post 10000170033 05-16-2026, 08:20 AM
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Originally Posted By taskmob⏩
I have a family of 5 and we're living in a 2 bedroom apartment. We need the extra space buddy. 4.5k isn't that bad, I just can't go to Disneyland every year anymore.
Just get welfare to buy you a house then
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