![]() That means saving up a bigger down payment or buying less house. In that case one real good way to reduce the amount of interest you pay is by borrowing less and then paying it off early. The four things you can go to work on are fees, interest rate, payback period, and amount borrowed.Īssuming you are in the same boat as most folks, the limiting factor on your monthly payment is your income. That’s the power of money they get to bend the rules to their advantage. Then you have to lay on a slice of payola to get them to bother fleecing you. You pay interest on the outstanding balance by the month. It’s not a scam if you intend on living in the house you purchased for more than 10 years - then it’s the best deal you can get. I still read that if you intend to move within 3 years you should go with something other than a 30-year fixed. This fact is the reason why exotic, interest only mortgages are attractive to some. But that just went into the bigger home that had also increased in cost. When homes were escalating in value ,you sold your house for more creating an illusion that you made money. ![]() Then you have a huge chunk to use if you need a bigger home. How badly are they run? The big 3 look good next to those incompetent thieves. It is amazing that mortgage companies have all this money flowing in and they still go bankrupt. You pay mortgage costs ,points,searches and whatever they can get away with.Then you just make payments that do not drop your principle. All your payments have gone into interest. If you took a 15 year mortgage out ,you would think that you would have paid 1/3rd off. So if you buy a 200,000 dollar house and make payments for 5 years, what do you owe. The average American moves every 4 or 5 years. How the fuck they got to get away with that is beyond me. What constitutes 'major?' Like, pages that are not minor pages like ones about individual users or topics.Mortgage companies have foisted a huge scam on the American people. Each time you make a major page, please add it to the list. ![]() I want there to be a complete list of every page we make that list will be right here on the Main Page, as you can see below. Please, tell me to stop first- I can't moderate everything, so it's not like I can stop people from defacing and erasing articles, so please, I ask you kindly not to. If it's not okay, tell me so in the discussion page for this Main Page here. Yes, I know that some of the articles I've started below violate board rules- but that's okay, because this is not an official site of the SDMB. (just please check the list below before you make any article) and everyone should add links to threads on the 'Recommended reading' lists (these are lists of the great threads in SDMB history- imagine, you'll never have to tell a newbie this again either!!!), and could someone please replace the Wikia logo in the top left corner with the SD banner logo from the SDMB site? ![]() If you don't feel like writing all that stuff, please at least make a page for your user name and write in it your gender, age, and race/nationality (if you are comfortable with doing that you don't have to) these are the things that people most often wonder about when reading the posts of a user on SDMB.Īnd everyone should write pages that explain the inside jokes and important figures from SDMB history (Just think- you'll never have to explain an inside joke to a newbie again! :D) and you can start pages that contain other important info, like board acronyms, board rules, etc. NOTE: These are NOT 'user:' pages like on Wikipedia when you write a page about you, the user on the wiki these are pages you write about your user on SDMB for instance, an article will be named 'Guinastasia,' and might include her hobbies, interests, etc, like a Myspace page would. Everyone should add themselves to the List of members- and when you add your name, your name should link to the page you write about yourself. There are many, many articles that need to be written. Welcome to WikiDope, the wiki that's all about the Straight Dope Message Board! ![]()
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