this post was submitted on 31 Aug 2023
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Unethical Life Pro Tips
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An Unethical Life Pro Tip (or ULPT) is a tip that improves your life in a meaningful way, perhaps at the expense of others and/or with questionable legality. Share your best tips you've picked up throughout your life, and learn from others!
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You literally beat me to this reply by like 4 minutes haha. Banks were giving variable mortgages to people who could barely afford current rates, they don't give a shit.
Or when the housing market is booming, they'll repossess the house and sell it again for even more of a profit.
Probably make as much use of the scam mortgage insurance that they can too. I forget what it's actually called but it's a scam IMO. $100 a month baked into my escrow for insurance to the lender in case I lost the house. To my knowledge it provides me no benefit.
Upside is when I refinanced it was taken off. (Think the whole first time home owner program requires it for the initial loan.)