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Started By
Message
re: What you guys hearing on your 30 year mortgage?
Posted on 9/17/25 at 4:32 pm to masoncj
Posted on 9/17/25 at 4:32 pm to masoncj
quote:
I want to pay mine off early but my good since is telling me that is dumb I only pay about $5k per year in interest
I think I pay $43,000 or $48,000 can’t remember what my statement said when I looked and calculated it out. It sucks balls but at least I’ll be able to itemize my taxes vs standard destruction.
My plan is to use my tax return to lump sum pay down the mortgage unless the market is in the shitter then I’ll probably just invest it .
0
Posted on 9/17/25 at 4:57 pm to Jax-Tiger
quote:I would not have been able to retire if I had one. I do feel for you guys sitting with decades to go at 6% or more but…there’s a path out of it that involves paying down as fast as you can. Yes that means delaying or passing up other investment opportunities. No one path is guaranteed to be better than another but the lack of a mortgage greases the skids to quitting that job or selling that business and finding out what is possible for the rest of your life
I am not going to go into retirement with a mortgage, if I can help it...
Posted on 9/17/25 at 5:04 pm to cgrand
26 years left on a 2.25% mortgage. glad to be stuck.
Posted on 9/17/25 at 5:42 pm to fareplay
2.75%
20 years, 2 months left
20 years, 2 months left
This post was edited on 9/17/25 at 5:45 pm
Posted on 9/17/25 at 5:52 pm to TheWalrus
Low interest rate is such a weird flex and the idiots on here just can’t help themselves.
Posted on 9/17/25 at 5:54 pm to Boomer Rick
quote:Why is it a "weird flex"?
Low interest rate is such a weird flex
Posted on 9/17/25 at 6:39 pm to fareplay
.25 point drop isn’t going to be worth it usually. Maybe 2 more this year so I would wait a bit more.
Posted on 9/17/25 at 6:39 pm to Boomer Rick
I don’t think it’s a weird flex. Mine is 6.375 and I would be bragging if I had a low rate.
Posted on 9/17/25 at 6:47 pm to fareplay
I’ve been locking high 5’s low 6’s on primary the last few weeks. For investors been ranging high 6’s to mid 7’s. Borrower situations dictate the differences but that’s all been no points
Posted on 9/17/25 at 8:32 pm to Mizzou
quote:
26 years left on a 2.25% mortgage. glad to be stuck.
Bought points doesn’t count
Posted on 9/17/25 at 9:54 pm to fareplay
hey FOREPLAY
no mortgage for me. Been paid off since 2012 on primary residence.
no mortgage for me. Been paid off since 2012 on primary residence.
Posted on 9/18/25 at 1:08 am to fareplay
Just quoted 5.875% on a 15. Assume 30 would be in the 6.15% range. Hard to leave my current 3.125% with five years and two months left.
This post was edited on 9/18/25 at 1:12 am
Posted on 9/18/25 at 6:58 am to Weagle89
quote:
10 yrs remaining at 2.875%. Wife wants to move, but just can't justify that unless we can pay cash, so yes, while just short of being a boomer, I am part of the problem.
Same situation as you, but I'm genx. We need a bigger house for our 3 kids, but it just doesn't make financial sense.
Posted on 9/18/25 at 7:31 am to 632627
Workijg with a friend in wholesale, got 5.5 for 30 years
Posted on 9/18/25 at 8:09 am to fareplay
2.8% until my ghost gets it wings.
Will always use other people’s cheap money to keep my money working for me and my eventual ghost / descendants.
Will always use other people’s cheap money to keep my money working for me and my eventual ghost / descendants.
Posted on 9/18/25 at 8:10 am to Artificial Ignorance
10 year spiking this morning smh
Buy the rumor sell the news
Buy the rumor sell the news
Posted on 9/18/25 at 11:31 am to go ta hell ole miss
quote:
Just quoted 5.875% on a 15. Assume 30 would be in the 6.15% range.
I locked in a 30 yr at 5.875 yesterday. I wanted them to drop down to 5.75 since they were at 5.875 Monday, but they really already had the rate drop baked in. They gave me a $1075 credit towards closing costs.
Posted on 9/18/25 at 12:08 pm to reds on reds on reds
quote:
I'm stuck in my house forever. 25 years left at 2.8%
24 left at 2.85%
Posted on 9/18/25 at 1:14 pm to WM88
quote:
0% with 0 years left.
same
been that way paid off free and clear for 13 years. paying it off allowed me so much more to invest based on my interest rate, payoff and that it was not worth it to refi.
but everybody's situation is different.
quote:
Y'all are suckers.
nfw would i do a 30 year at my age now.
maybe 15 and nowhere near current rates.
but for the guys here who have anything locked in below 3.5 you really cannot fault them. I would do the same. MM fund are paying 4% and up.
Posted on 9/18/25 at 1:36 pm to fareplay
2.75. You’ll have to pry my mortgage from my cold dead hands.
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