only $1k house insurance???? damn :( mine is $3192/year and taxes are luckily only $1k

sub-prime rules
ya'll keep crying, but 64% of all US citizens are considered sub-prime, if you ask me, the more the better for my business

Yeah I consolidated my student loans to 3.12% :D

Mine's the other way around... taxes are $2500 or something like that.

you sure that's not PRIME + 3%? because most of mine were prime +X% when I got them... problem was prime peaked at like 7% for a while. So the actual APRs are 10-14% for that era of my life.

nope, mine's 3% as well. The money is so cheap, and the little bit of interest is tax deductible, so there is no point in trying to pay it off early.

agreed... I'm not trying to pay mine off early. I'm trying to refinance it on home equity so I can stretch my payments out 30 years instead of 15 and cut my payment 40%. Mortgage interest is also tax deductible.

You want a fucking bail out? It's easy, join the military... that's right... the military... they need people anyway.

Not a lot of people out of the military know this, but when you join you are eligible for the SCRA (Soldiers and Sailors Credit Relief Act.) What does it do? It lowers EVERY SINGLE DEBT you have to 6%, no late fees, no adjustments, no overlimit fees... Credit Cards, Mortgages, Car Loan... (No, not student loans... but hey, they will give you 20k a year to pay those off instead.)

There is your freaking Bail Out.

I was lucky, I managed to just sell a "sub-prime" property without getting freaking killed. I should have made some good money but the bottom fell out so I am happy to have broken even and lived in the place rent free for 4 years.

Mark