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Started By
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re: Trump promoting a 50 year mortgage. Dave Ramsey will lose his mind. Terrible idea - imo
Posted on 11/8/25 at 2:42 pm to goldennugget
Posted on 11/8/25 at 2:42 pm to goldennugget
Illegals aren’t buying houses.
1
Posted on 11/8/25 at 2:46 pm to AncientTiger
Buy an acre, put a trailer on it, then build your own home paying as you go. It doesn’t have to be a mansion. It’s not easy, but it’s doable.
Posted on 11/8/25 at 2:47 pm to roadGator
quote:
Illegals aren’t buying houses.
Losing that demand would still ultimately end up lowering RE prices for homebuyers
Posted on 11/8/25 at 2:48 pm to AncientTiger
dumbest shite I've heard from him in a while. Oh, since yesterday....
Posted on 11/8/25 at 2:53 pm to Powerman
quote:
44% of single family homes are owned outright
Whatvdoes that have to do with anything I said
You think they all sat on 1 30yr fix loan and paid it off?
Holy shite
Posted on 11/8/25 at 2:59 pm to AncientTiger
This seems like a way to just mask unaffordable housing. Doesn't solve the issue.
It makes people essentially serfs.
It makes people essentially serfs.
Posted on 11/8/25 at 3:07 pm to SlowFlowPro
Demand for things not happening. Nice.
Unless you are going with rentals will hit the market which could be.
Unless you are going with rentals will hit the market which could be.
Posted on 11/8/25 at 3:08 pm to AncientTiger
This will be fun in the ABS market. Might have to do a couple real estate deals to get in on that.
Posted on 11/8/25 at 3:10 pm to roadGator
quote:
Demand for things not happening. Nice.
They are renting.
Losing that market is going to depress housing prices across the board.
quote:
Unless you are going with rentals will hit the market which could be.
Technically they wouldn't even have to. Rental pricing getting too low compared to mortgage payments will result in more people renting and removing that demand from the SF ownership cohort, which will depress RE values that way, too.
It would probably happen from both angles.
Posted on 11/8/25 at 3:14 pm to SDVTiger
quote:
Lets stop pretending anyone pays off a home now with a 30yr fix
paid mine off after 18 years on a 30 year fixed. way ahead of schedule. paid it off back in 2012.
Posted on 11/8/25 at 3:14 pm to AncientTiger
The law would need to be changed. This would be illegal due to the Dodd-Frank act.
Posted on 11/8/25 at 3:15 pm to AncientTiger
This admin is retarded and has zero interest in serious problem solving.
Posted on 11/8/25 at 3:17 pm to SlowFlowPro
quote:
Rental pricing getting too low compared to mortgage payments will result in more people renting and removing that demand from the SF ownership cohort, which will depress RE values that way, too.
This isn’t happening. Anywhere. Rental prices are and have been exceeding mortgages. I’m not sure why people even rent anymore, other than they cannot afford the upkeep and down payments (and even that is being absorbed).
Posted on 11/8/25 at 3:17 pm to Fat Bastard
quote:
paid mine off after 18 years on a 30 year fixed. way ahead of schedule. paid it off back in 2012.
Genius. But you obviosuly didnt pay it off by making that 30yr fixed payement for 30yrs
Almsot everyone doesnt. And especially now. Does anyone think someone buying a 750k home is gonna pay it off with a 30yr loan making the same payment for 30yrs
Only a fool like powerbottom would think that
Posted on 11/8/25 at 3:20 pm to lsuguy84
quote:
This isn’t happening. Anywhere.
That's not entirely accurate .gif
LINK
quote:
Average rents are cheaper than average mortgage payments (homeowners insurance and property taxes included) in all 50 of the largest U.S. metros in 2025, with the cost difference between the two growing in all but 12 of those metros since last year, according to Bankrate’s Rent vs. Buy Study.
Over the last year, the study found average mortgage payments (including principal, interest, homeowners insurance and property taxes) increased while average rents either declined or remained stable in nearly all the metros we analyzed.
Housing experts said the fact that it’s cheaper to rent in all 50 metros in 2025 is a broader reflection of rental and housing market conditions across the country. High mortgage and home prices, combined with limited housing inventory, have created a high barrier to entry for aspiring homeowners. Rising property taxes and homeowners insurance rates are also straining homeowners’ budgets. At the same time, rents have experienced a slowdown in growth and rental inventory has dramatically increased, giving renters more options to choose from.
But, remove 20M illegals and watch it happen on steroids
Posted on 11/8/25 at 3:26 pm to AncientTiger
Do you even save money on a 50 year mortgage?
Go from 3300/mo to 3000 on an average home?
Go from 3300/mo to 3000 on an average home?
Posted on 11/8/25 at 3:30 pm to Yaboylsu63
quote:Because it is.
On it's face I think this is retarded but..
The average age of a first time home buyer is now 40 years old.
So you do the math.
Posted on 11/8/25 at 3:32 pm to MajorityWhip
quote:
First 2.
Same here!
Posted on 11/8/25 at 3:34 pm to SDVTiger
quote:
Lets stop pretending anyone pays off a home now with a 30yr fix
Paid for our house with cash 4 years ago
Posted on 11/8/25 at 3:34 pm to L1C4
quote:
The average age of a first time home buyer is now 40 years old.
So you do the math.
That would obviously change if more ppl can qual
Of course a moron who is 50 living in their parents basement like yourself doesnt get it
And you think ppl stick with one loan
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