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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...
Underhanded Rose Shrine
  03/24/26
terms? amount?
curious theatre knife
  03/24/26
30 year, 6.5%, less than half a million. I know the rate is ...
Underhanded Rose Shrine
  03/24/26
JFC- amortizing?
curious theatre knife
  03/24/26
Only 359 more monthly installments and it's all yours
trip transparent giraffe
  03/24/26
Fuck yeah
Underhanded Rose Shrine
  03/24/26
Can't put a price on peace of mind haha
trip transparent giraffe
  03/24/26
I don't know what equity is but I am now building it, friend...
Underhanded Rose Shrine
  03/24/26
Well, you will be in about 10 years. You're really just payi...
costumed balding jap theater stage
  03/24/26
if the housing market is flat for 10 years, which has never ...
Nighttime locus
  03/24/26
Actually it goes flat or even loses money during many 10 yea...
racy shimmering fortuitous meteor blood rage
  03/24/26
im talking about nominal equity. https://fred.stlouisfed...
Nighttime locus
  03/24/26
Nah Dec 1989 - Dec 89 was also down. And you have many other...
racy shimmering fortuitous meteor blood rage
  03/24/26
where is this data even from? it marks the real price around...
Nighttime locus
  03/24/26
*gets BTFO because he can't even read a graph* Response: ...
racy shimmering fortuitous meteor blood rage
  03/24/26
if you had an explanation for why your chart shows a -25% in...
Nighttime locus
  03/24/26
Because it's the REAL home price chart. Says at the top. You...
racy shimmering fortuitous meteor blood rage
  03/24/26
(xoxo 2026)
thriller legal warrant
  03/24/26
...
contagious range patrolman
  03/24/26
...
contagious range patrolman
  03/24/26
...
contagious range patrolman
  03/24/26
...
contagious range patrolman
  03/24/26
...
contagious range patrolman
  03/24/26
...
contagious range patrolman
  03/24/26
...
contagious range patrolman
  03/24/26
...
contagious range patrolman
  03/24/26
...
curious theatre knife
  03/24/26
...
Splenetic Slate Stag Film
  03/24/26
Yikes, my guy
swollen genital piercing bawdyhouse
  03/24/26
Don't forget the property tax, friend
costumed balding jap theater stage
  03/24/26
as long as you don't miss a property tax payment or become u...
thriller legal warrant
  03/24/26
sounds like you got it backwards hoss
trip transparent giraffe
  03/24/26
What are you going to do with a House? Pretend to play games...
Sinister cruise ship twinkling uncleanness
  03/24/26
Live there with my darling girl and maek a home.
Underhanded Rose Shrine
  03/24/26
Explain the relationship with the girl w/r/t to (a) the mort...
costumed balding jap theater stage
  03/24/26
DESCRIBE the home ELI5 the terms of your loan
swollen genital piercing bawdyhouse
  03/24/26
I love the place. 2 stories, 2 br 2.5 ba, going to use one a...
Underhanded Rose Shrine
  03/24/26
Neat. See you in 30 years
trip transparent giraffe
  03/24/26
What year was it built? SFH?
Nubile demanding hominid spot
  03/24/26
Congrats man 2 br is kinda few for a 2 story place. Is t...
swollen genital piercing bawdyhouse
  03/24/26
Thanks man Feel like I'm cruisin' for a doobsin' at this po...
Underhanded Rose Shrine
  03/24/26
over 1000 square feet tp
Sinister cruise ship twinkling uncleanness
  03/24/26
Spaceporn was spamming your irl name for weeks
vengeful milk
  03/24/26
Fuck spaceporn. He needs to be held accountable for the 10+ ...
Coral base
  03/24/26
...
Underhanded Rose Shrine
  03/26/26
Brother, I just bought a 5 bedroom 1.2 acre manse with its o...
Beady-eyed Erotic Set
  03/24/26
Nice, my place is similar. Basketball court though.
racy shimmering fortuitous meteor blood rage
  03/24/26
LJL at your interest rate. I just locked a 5.125% rate. Of c...
Beady-eyed Erotic Set
  03/24/26
red state?
Lime Flickering Indian Lodge Feces
  03/24/26
you buy it yourself? or your gf putting anything into it? ...
galvanic cocky water buffalo
  03/24/26
I remember how 180 it was when my GF (now wife) first moved ...
narrow-minded lodge
  03/24/26
the silence from lex tp here is Deafening
galvanic cocky water buffalo
  03/24/26
JFC. same after (future) wife moved in, banked $2-3k extra ...
curious theatre knife
  03/25/26
She is putting money into it, but i am carrying the closing ...
Underhanded Rose Shrine
  03/24/26
lex, lex, you thought you could sneak this one by us??! a...
galvanic cocky water buffalo
  03/24/26
I love my internet lawyer friends I also love attention who...
Underhanded Rose Shrine
  03/24/26
...
Carnelian bonkers center gunner
  03/24/26
Congratulations on Home Ownership. You are now a member of a...
Sapphire rambunctious sanctuary crotch
  03/24/26
Congrats, friend. You deserve it.
red area trust fund
  03/24/26
...
galvanic cocky water buffalo
  03/24/26
...
Lascivious startled sneaky criminal
  03/24/26
...
dun boyish chapel
  03/24/26
can't wait to be your prole goy mentor friend.
Nighttime locus
  03/24/26
Thank in advance for for pretending not to judge me
Underhanded Rose Shrine
  03/24/26
"which end goes in my ass?", lex asked the horrifi...
Nighttime locus
  03/24/26
...
floppy space antidepressant drug
  03/24/26


Poast new message in this thread



Reply Favorite

Date: March 24th, 2026 2:13 PM
Author: Underhanded Rose Shrine

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: curious theatre knife

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: Underhanded Rose Shrine

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: curious theatre knife

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: trip transparent giraffe

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: Underhanded Rose Shrine

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: trip transparent giraffe

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: Underhanded Rose Shrine

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: costumed balding jap theater stage

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: Nighttime locus

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: racy shimmering fortuitous meteor blood rage

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: Nighttime locus

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: racy shimmering fortuitous meteor blood rage

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: Nighttime locus

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: racy shimmering fortuitous meteor blood rage

*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: Nighttime locus

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: racy shimmering fortuitous meteor blood rage

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: thriller legal warrant

(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: contagious range patrolman



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: contagious range patrolman



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: contagious range patrolman



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



Reply Favorite

Date: March 24th, 2026 10:54 PM
Author: contagious range patrolman



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: contagious range patrolman



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: contagious range patrolman



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: contagious range patrolman



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



Reply Favorite

Date: March 24th, 2026 10:55 PM
Author: contagious range patrolman



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



Reply Favorite

Date: March 24th, 2026 2:25 PM
Author: curious theatre knife



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



Reply Favorite

Date: March 24th, 2026 2:27 PM
Author: Splenetic Slate Stag Film



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



Reply Favorite

Date: March 24th, 2026 4:16 PM
Author: swollen genital piercing bawdyhouse

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: costumed balding jap theater stage

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: thriller legal warrant

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: trip transparent giraffe

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: Sinister cruise ship twinkling uncleanness

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: Underhanded Rose Shrine

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: costumed balding jap theater stage

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: swollen genital piercing bawdyhouse

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: Underhanded Rose Shrine

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: trip transparent giraffe

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: Nubile demanding hominid spot

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: swollen genital piercing bawdyhouse

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: Underhanded Rose Shrine

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: Sinister cruise ship twinkling uncleanness

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: vengeful milk

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: Coral base

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: Underhanded Rose Shrine



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



Reply Favorite

Date: March 24th, 2026 2:23 PM
Author: Beady-eyed Erotic Set

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: racy shimmering fortuitous meteor blood rage

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: Beady-eyed Erotic Set

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: Lime Flickering Indian Lodge Feces

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: galvanic cocky water buffalo

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: narrow-minded lodge

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: galvanic cocky water buffalo

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: curious theatre knife

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: Underhanded Rose Shrine

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: galvanic cocky water buffalo

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: Underhanded Rose Shrine

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: Carnelian bonkers center gunner



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



Reply Favorite

Date: March 24th, 2026 4:35 PM
Author: Sapphire rambunctious sanctuary crotch

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: red area trust fund

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: galvanic cocky water buffalo



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



Reply Favorite

Date: March 24th, 2026 5:07 PM
Author: Lascivious startled sneaky criminal



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



Reply Favorite

Date: March 24th, 2026 7:06 PM
Author: dun boyish chapel



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



Reply Favorite

Date: March 24th, 2026 4:37 PM
Author: Nighttime locus

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: Underhanded Rose Shrine

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: Nighttime locus

"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)



Reply Favorite

Date: March 24th, 2026 4:39 PM
Author: floppy space antidepressant drug



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