this post was submitted on 31 Jan 2024
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I locked in a sub 3, and this is basically in my opinion the only plan, I can never walk away from this mortgage, the only way Im not in the house is via renting it out, the difference in prices now and when i bought are almost comically high and its only been 4 years.
Yeah it makes zero sense to give up the loan. It's the closest to a free loan any normal person can get. I refinanced even like 6 months after buying. The value of the house had gone up by like 100k, so I pulled out 50k, got a lower rate, and my monthly went DOWN. My wife was like, where's the catch this can't just be free money, and I'm like, actually it kind of is.