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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...
Aphrodisiac sadistic box office psychic
  03/24/26
terms? amount?
impertinent maroon water buffalo resort
  03/24/26
30 year, 6.5%, less than half a million. I know the rate is ...
Aphrodisiac sadistic box office psychic
  03/24/26
JFC- amortizing?
impertinent maroon water buffalo resort
  03/24/26
Only 359 more monthly installments and it's all yours
Pungent spectacular locus multi-billionaire
  03/24/26
Fuck yeah
Aphrodisiac sadistic box office psychic
  03/24/26
Can't put a price on peace of mind haha
Pungent spectacular locus multi-billionaire
  03/24/26
I don't know what equity is but I am now building it, friend...
Aphrodisiac sadistic box office psychic
  03/24/26
Well, you will be in about 10 years. You're really just payi...
Lime Point
  03/24/26
if the housing market is flat for 10 years, which has never ...
Razzle Ape Pistol
  03/24/26
Actually it goes flat or even loses money during many 10 yea...
marvelous sienna masturbator
  03/24/26
im talking about nominal equity. https://fred.stlouisfed...
Razzle Ape Pistol
  03/24/26
Nah Dec 1989 - Dec 89 was also down. And you have many other...
marvelous sienna masturbator
  03/24/26
where is this data even from? it marks the real price around...
Razzle Ape Pistol
  03/24/26
*gets BTFO because he can't even read a graph* Response: ...
marvelous sienna masturbator
  03/24/26
if you had an explanation for why your chart shows a -25% in...
Razzle Ape Pistol
  03/24/26
Because it's the REAL home price chart. Says at the top. You...
marvelous sienna masturbator
  03/24/26
(xoxo 2026)
Mind-boggling church electric furnace
  03/24/26
...
crusty locale stain
  03/24/26
...
crusty locale stain
  03/24/26
...
crusty locale stain
  03/24/26
...
crusty locale stain
  03/24/26
...
crusty locale stain
  03/24/26
...
crusty locale stain
  03/24/26
...
crusty locale stain
  03/24/26
...
crusty locale stain
  03/24/26
...
impertinent maroon water buffalo resort
  03/24/26
...
Translucent brunch national security agency
  03/24/26
Yikes, my guy
Multi-colored Ivory Therapy Personal Credit Line
  03/24/26
Don't forget the property tax, friend
Lime Point
  03/24/26
as long as you don't miss a property tax payment or become u...
Mind-boggling church electric furnace
  03/24/26
sounds like you got it backwards hoss
Pungent spectacular locus multi-billionaire
  03/24/26
What are you going to do with a House? Pretend to play games...
Walnut federal selfie kitty cat
  03/24/26
Live there with my darling girl and maek a home.
Aphrodisiac sadistic box office psychic
  03/24/26
Explain the relationship with the girl w/r/t to (a) the mort...
Lime Point
  03/24/26
DESCRIBE the home ELI5 the terms of your loan
Multi-colored Ivory Therapy Personal Credit Line
  03/24/26
I love the place. 2 stories, 2 br 2.5 ba, going to use one a...
Aphrodisiac sadistic box office psychic
  03/24/26
Neat. See you in 30 years
Pungent spectacular locus multi-billionaire
  03/24/26
What year was it built? SFH?
glittery very tactful piazza
  03/24/26
Congrats man 2 br is kinda few for a 2 story place. Is t...
Multi-colored Ivory Therapy Personal Credit Line
  03/24/26
Thanks man Feel like I'm cruisin' for a doobsin' at this po...
Aphrodisiac sadistic box office psychic
  03/24/26
over 1000 square feet tp
Walnut federal selfie kitty cat
  03/24/26
Spaceporn was spamming your irl name for weeks
outnumbered school
  03/24/26
Fuck spaceporn. He needs to be held accountable for the 10+ ...
umber office
  03/24/26
...
Aphrodisiac sadistic box office psychic
  03/26/26
Brother, I just bought a 5 bedroom 1.2 acre manse with its o...
Buff keepsake machete chapel
  03/24/26
Nice, my place is similar. Basketball court though.
marvelous sienna masturbator
  03/24/26
LJL at your interest rate. I just locked a 5.125% rate. Of c...
Buff keepsake machete chapel
  03/24/26
red state?
carnelian codepig dilemma
  03/24/26
you buy it yourself? or your gf putting anything into it? ...
Soul-stirring pearly rehab coldplay fan
  03/24/26
I remember how 180 it was when my GF (now wife) first moved ...
Saffron mother property
  03/24/26
the silence from lex tp here is Deafening
Soul-stirring pearly rehab coldplay fan
  03/24/26
JFC. same after (future) wife moved in, banked $2-3k extra ...
impertinent maroon water buffalo resort
  03/25/26
She is putting money into it, but i am carrying the closing ...
Aphrodisiac sadistic box office psychic
  03/24/26
lex, lex, you thought you could sneak this one by us??! a...
Soul-stirring pearly rehab coldplay fan
  03/24/26
I love my internet lawyer friends I also love attention who...
Aphrodisiac sadistic box office psychic
  03/24/26
...
comical stage people who are hurt
  03/24/26
Congratulations on Home Ownership. You are now a member of a...
Big feces
  03/24/26
Congrats, friend. You deserve it.
Brindle aromatic boltzmann depressive
  03/24/26
...
Soul-stirring pearly rehab coldplay fan
  03/24/26
...
Burgundy crotch state
  03/24/26
...
awkward tattoo
  03/24/26
can't wait to be your prole goy mentor friend.
Razzle Ape Pistol
  03/24/26
Thank in advance for for pretending not to judge me
Aphrodisiac sadistic box office psychic
  03/24/26
"which end goes in my ass?", lex asked the horrifi...
Razzle Ape Pistol
  03/24/26
...
passionate shivering partner
  03/24/26


Poast new message in this thread



Reply Favorite

Date: March 24th, 2026 2:13 PM
Author: Aphrodisiac sadistic box office psychic

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: impertinent maroon water buffalo resort

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: Aphrodisiac sadistic box office psychic

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: impertinent maroon water buffalo resort

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: Pungent spectacular locus multi-billionaire

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: Aphrodisiac sadistic box office psychic

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: Pungent spectacular locus multi-billionaire

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: Aphrodisiac sadistic box office psychic

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: Lime Point

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: Razzle Ape Pistol

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: marvelous sienna masturbator

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: Razzle Ape Pistol

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: marvelous sienna masturbator

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: Razzle Ape Pistol

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: marvelous sienna masturbator

*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: Razzle Ape Pistol

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: marvelous sienna masturbator

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: Mind-boggling church electric furnace

(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: crusty locale stain



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: crusty locale stain



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: crusty locale stain



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: crusty locale stain



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: crusty locale stain



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: crusty locale stain



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: crusty locale stain



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: crusty locale stain



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



Reply Favorite

Date: March 24th, 2026 2:25 PM
Author: impertinent maroon water buffalo resort



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



Reply Favorite

Date: March 24th, 2026 2:27 PM
Author: Translucent brunch national security agency



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



Reply Favorite

Date: March 24th, 2026 4:16 PM
Author: Multi-colored Ivory Therapy Personal Credit Line

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: Lime Point

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: Mind-boggling church electric furnace

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: Pungent spectacular locus multi-billionaire

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: Walnut federal selfie kitty cat

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: Aphrodisiac sadistic box office psychic

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: Lime Point

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: Multi-colored Ivory Therapy Personal Credit Line

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: Aphrodisiac sadistic box office psychic

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: Pungent spectacular locus multi-billionaire

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: glittery very tactful piazza

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: Multi-colored Ivory Therapy Personal Credit Line

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: Aphrodisiac sadistic box office psychic

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: Walnut federal selfie kitty cat

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: outnumbered school

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: umber office

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: Aphrodisiac sadistic box office psychic



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



Reply Favorite

Date: March 24th, 2026 2:23 PM
Author: Buff keepsake machete chapel

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: marvelous sienna masturbator

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: Buff keepsake machete chapel

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: carnelian codepig dilemma

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: Soul-stirring pearly rehab coldplay fan

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: Saffron mother property

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: Soul-stirring pearly rehab coldplay fan

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: impertinent maroon water buffalo resort

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: Aphrodisiac sadistic box office psychic

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: Soul-stirring pearly rehab coldplay fan

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: Aphrodisiac sadistic box office psychic

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: comical stage people who are hurt



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



Reply Favorite

Date: March 24th, 2026 4:35 PM
Author: Big feces

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: Brindle aromatic boltzmann depressive

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: Soul-stirring pearly rehab coldplay fan



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



Reply Favorite

Date: March 24th, 2026 5:07 PM
Author: Burgundy crotch state



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



Reply Favorite

Date: March 24th, 2026 7:06 PM
Author: awkward tattoo



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



Reply Favorite

Date: March 24th, 2026 4:37 PM
Author: Razzle Ape Pistol

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: Aphrodisiac sadistic box office psychic

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: Razzle Ape Pistol

"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)



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Date: March 24th, 2026 4:39 PM
Author: passionate shivering partner



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