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living that suburbpunk lifestyle (slrpnk.net)

submitted 1 year ago by stabby_cicada to c/memes

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[–] SpaceNoodle@lemmy.world 10 points 1 year ago (3 children)

Damn, how'd you get that sweet deal? Mortgage rates bottomed out at around 2.7% in Q3 2020.

[–] nick@midwest.social 11 points 1 year ago (1 children)

I put a ton down (the entire sale price of my last house, which I owned outright) on mine to get 2.2. Plus my credit is like 810 or something.

Not bad for a dude who had his house foreclosed on in 2013.

[–] SpaceNoodle@lemmy.world 2 points 1 year ago

Not bad indeed. I was also completely in the hole in 2013 with 800+ credit ... but didn't have nearly that much to put down, leaving me with a massive 2.8%. Not bad for a HCOL area though.

[–] ooterness@lemmy.world 7 points 1 year ago (1 children)

Not all mortgages are 30-year fixed. Rates are typically lower on 15-year and 10-year terms.

[–] SpaceNoodle@lemmy.world 3 points 1 year ago

So he got a 26-year term?

[–] daq@lemmy.sdf.org 1 points 1 year ago

15yr at 1.9% Free money.