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Started By
Message
re: Trump promoting a 50 year mortgage. Dave Ramsey will lose his mind. Terrible idea - imo
Posted on 11/9/25 at 2:21 pm to NC_Tigah
Posted on 11/9/25 at 2:21 pm to NC_Tigah
quote:
Compare the ROI related to increasing home loans from 30yrs to 50yrs, vs increasing Auto loans from 48 to 72 months
When we agree, we really agree.
0
Posted on 11/9/25 at 2:38 pm to SDVTiger
quote:
But its a terrible idea!!!
She made actual good points, unlike you.
Posted on 11/9/25 at 2:44 pm to AncientTiger
Don did go bankrupt 5 times. Hes probably not the financial genius he thinks he is.
Posted on 11/9/25 at 2:47 pm to AncientTiger
Loan amount- $500,000
Interest- $1,537,822.78
Interest- $1,537,822.78
Posted on 11/9/25 at 2:59 pm to Jasharts77
quote:
Don did go bankrupt 5 times. Hes probably not the financial genius he thinks he is.
Why do you morons continue to repeat this lie? Some of his businesses have filed chapter 11 but he has never had a personal bankruptcy. Stand in the corner and put your dunce cap on.
Posted on 11/9/25 at 3:12 pm to MemphisGuy
Those points have been made ad nasuem
You made a fool of yourself which isnt shocking
You made a fool of yourself which isnt shocking
Posted on 11/9/25 at 3:13 pm to SDVTiger
quote:
You made a fool of yourself which isnt shocking
Eh... you do it regularly... thought I'd see what it was like.
I mean... it's not like you don't have a human trafficker and rapist as your avatar...
This post was edited on 11/9/25 at 3:17 pm
Posted on 11/9/25 at 3:20 pm to MemphisGuy
You ppl always have an excuse
So.embarrassing. I hope you are a female
quote:
I mean... it's not like you don't have a human trafficker and rapist as your avatar.
So.embarrassing. I hope you are a female
Posted on 11/9/25 at 3:20 pm to SDVTiger
quote:
So.embarrassing. I hope you are a female
So... I'm wrong?
Posted on 11/9/25 at 3:25 pm to MemphisGuy
Yeah you have been wrong about everything
Posted on 11/9/25 at 3:46 pm to AncientTiger
I bought my home at age 29 in 2019. 3.3 interest rate. If everything goes as planned I will retire at 60 with a paid for house. I couldn't imagine paying a mortgage until you are 80 with social security...
Posted on 11/9/25 at 3:53 pm to Wednesday
quote:
9-creates greater demand, and thus increases existing home value without flooding market with cheap supply
Another way of saying this is that it increases prices, which is what the institution of a 50yr mortgage is supposed to address.
The biggest problem right now is that the market is skewed heavily due to nearly a decade of sub-5% mortgage rates. Such rates made it easy for flippers to run up prices and made home owners more transient. With rates hovering now 6%-7% and prices determined by the pre-rates buying frenzy, you now have a lot of home owners who aren't going to sell their 4% mortgage just to buy the same or smaller place for a 6% rate and higher overall price.
That, just like the debt, is not going to be accounting-gimmicked away.
Posted on 11/9/25 at 4:01 pm to NC_Tigah
I’m trying to understand your logic.
Does it essentially boil down to “x is less retarded than y, so x is a good idea”?
Does it essentially boil down to “x is less retarded than y, so x is a good idea”?
Posted on 11/9/25 at 4:13 pm to Jasharts77
quote:
Don did go bankrupt 5 times
Patently false.
Posted on 11/9/25 at 4:18 pm to Hateradedrink
quote:No.
I’m trying to understand your logic. Does it essentially boil down to “x is less retarded than y, so x is a good idea”?
Options and Choice are great. The more the better. What is a good choice for one person
might be an awful choice for another. But by focusing on the latter, the system denies the former option. Simple enough?
Posted on 11/9/25 at 4:19 pm to AncientTiger
What about going the other Direction, but more slowly?
30 year Loan - normal now.
Reduce the max duration by 1 year per year for the next 10 years.
Get down to a 20 year Loan.
I think then we might be able to have affordability and people to belive they can obtain ownership.
30 year Loan - normal now.
Reduce the max duration by 1 year per year for the next 10 years.
Get down to a 20 year Loan.
I think then we might be able to have affordability and people to belive they can obtain ownership.
Posted on 11/9/25 at 4:21 pm to NC_Tigah
Will the increase in demand wipe out the benefits of the 50yr mortgage due to the rise in home prices? Or does that math not math?
Posted on 11/9/25 at 4:21 pm to Bard
quote:
Another way of saying this is that it increases prices, which is what the institution of a 50yr mortgage is supposed to address.
This is true . . . But the increasing prices/value do increase the equity in the house. So, I'm not all that sure why this is a problem.
Do I think a 50-year mortgage is ideal? No. Do I think there are ways to reduce the riskiness of this? Yes. Examples - age limits, down payment minimums, etc.
Do I think it's possible to kick out all the illegals in the next six months, ban Blackrock from buying residential property, magically increase the supply to the extent that my home value, and those of others would actually decrease, resulting in a bunch of people being upside down on the mortgages ala 2007, artificially decrease or freeze rent prices, ,, No. It is a viable option that will actually help young adults in their 20s buy a house, rather than paying rent.
Paying rent is 150 times a financial problem than mortgaging a house.
You picked one item on a list and found fault with that - as opposed to loking at all the costs / benefits. So. I',m happy to discuss it - but just writing it off bc some of you Baws were able to pay off your 15 yr morgages early - is not a solution.
Posted on 11/9/25 at 4:23 pm to TrueTiger
quote:
With property taxes, you never really own it anyway.
This is true, but Louisiana and Mississippi make it real cheap.
Posted on 11/9/25 at 4:26 pm to jizzle6609
quote:
Louisiana and Mississippi make it real cheap.
You get what you pay for.
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