Argue all you want. I gave you real numbers. That was my quote without a down payment.
We live in very different places. Multiply most of those numbers by about 6 and you have my area. I'm not exaggerating - 3 bedroom attached house of 1.5million, mortgage of 6.5k, PMI of $2500. Average rent is 2-3k for a 1 bedroom.
I've lived it. If your average home is $250k, your situation is nothing like mine or half the country that lives in cities. Your advice only applies to rural areas with extremely low cost of living.
People don't do this because it's not a good idea for almost everyone. If you don't put money down, your monthly payment will be astronomical, and THEN you will have to pay PMI on top of that (which isn't applied to the mortgage OR interest) until you hit 20% paid. That money is thrown away and depending on where you live, it can be close to a rent payment on its own, without the actual mortgage payment. If you can afford a massive mortgage with PMI, you can afford to save a down payment. The only time I would do what you suggest is if my income was way more than rent and I was in a rush to move into a house.
Fannie and Freddie are legit, use them!
I find it very tasty, however, I think hot sauce is adding more moisture to a food that's already pretty wet. I prefer red pepper flakes to balance this out. But she should do what she wants
Idclip OR idspispopd depending on Doom 1 or 2
What did I just read! Wow that was a wild ride, thanks for sharing. Someone could write a PhD thesis on how this worked
What is a "pick me?"
I had more or less the same experience. "Terrorists" were the villains in spy movies and they were NEVER in the USA. I thought we were invincible? Get a little older: oh look at the social services and infrastructure that other countries have for free.
Bob Hopkins. Though I respect the Captain, Bob will always have a special place in my heart. The way he finally came around to the world and used the mushroom in the end was great 😃
That last line killed me 💀💀💀
I love ghost pepper sauce 🤤
Very firmly no. Even PCRs are not useful. People can pull out an example of "my friend infected me when her test said X" but that's just coincidence. This has been studied extensively during COVID and there is no reliable correlation between test value and infectivity.