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I just paid the last mortgage payment I will ever pay, ask me a question.

 
Apocalypse TrollModerator
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I just paid the last mortgage payment I will ever pay, ask me a question.
Debt free bitches.

I'm debt free.


So ask. Or don't! I DONT GIVE A FUCK!!!!!!!!


attxflag
"Honor the Texas flag; I pledge allegiance to thee, Texas, one state under God, one and indivisible."

[link to www.statutes.legis.state.tx.us]
Anonymous Coward
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06/20/2014 06:12 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Don't forget your taxes and insurance.
Anonymous Coward
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06/20/2014 06:13 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Sweet.
Never say never though
Anonymous Coward
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06/20/2014 06:28 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Lucky you... I have another 4 years on mine.

I don't think this mess is going to make it that long.

Screwed again.
Anonymous Coward
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06/20/2014 06:33 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
:becomeacat:
Apocalypse TrollModerator  (OP)
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06/20/2014 06:33 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Haters gonna hate....
attxflag
"Honor the Texas flag; I pledge allegiance to thee, Texas, one state under God, one and indivisible."

[link to www.statutes.legis.state.tx.us]
Anonymous Coward
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06/20/2014 06:34 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
clappa
Anonymous Coward
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06/20/2014 06:36 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Haters gonna hate....
 Quoting: Apocalypse Troll


Maybe if you stopped fucking bragging people wouldn't hate you?

Naw, silly me! They would still hate you because you're a dick-head.
Apocalypse TrollModerator  (OP)
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06/20/2014 06:37 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Don't forget your taxes and insurance.
 Quoting: Anonymous Coward 59264492


And electricity, gas, water, sewer, cable, phone, repairs.

Don't be so fucking stupid!
 Quoting: Anonymous Coward 1592458


Why so mad bro? Operational costs are not debt.

Bitch.


attxflag
"Honor the Texas flag; I pledge allegiance to thee, Texas, one state under God, one and indivisible."

[link to www.statutes.legis.state.tx.us]
beeches

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06/20/2014 06:43 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
clappa
 Quoting: Astral Goat


just wishing they were in your shoes OP!!!!

the very smartest move you can make.

Why - because it frees up the principal/interest payment amount - by far the largest portion of the montly mortgage)

for other things.

OR - it means you DON'T HAVE TO EARN THAT AMOUNT IN THE FIRST PLACE!

Going into life ( retirement, college funding years, business building years, whatever) is SO MUCH SIMPLER

without that mortgage!

Congratulationschorus
we only have each other. And that makes us rich.. . .

Wisdom in the man, patience in the wife, brings peace to the house and a happy life.
beeches

User ID: 28167778
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06/20/2014 06:49 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
My mortgage is gone, too.

only way I could afford to retire. Which I will well before age 60.


Now, people used to throw mortgage-burning parties where they watched their paid-up mortgage turn into smoke . .

nowadays, you are a financial outlier if you pick this route.

Several people told us that paying the mortgage off was a terrible move. A financial planner, and a well-meaning relative with many great investments.

But having your money in your house - and the freedom it gives you to live life - is what some choose.
we only have each other. And that makes us rich.. . .

Wisdom in the man, patience in the wife, brings peace to the house and a happy life.
Apocalypse TrollModerator  (OP)
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06/20/2014 06:50 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
clappa
 Quoting: Astral Goat


just wishing they were in your shoes OP!!!!

the very smartest move you can make.

Why - because it frees up the principal/interest payment amount - by far the largest portion of the montly mortgage)

for other things.

OR - it means you DON'T HAVE TO EARN THAT AMOUNT IN THE FIRST PLACE!

Going into life ( retirement, college funding years, business building years, whatever) is SO MUCH SIMPLER

without that mortgage!

Congratulationschorus
 Quoting: beeches



I like you beeches, you're a good egg, unlike Herr Klink. Close your eyes and imagine the epic high-five I just gave you.
attxflag
"Honor the Texas flag; I pledge allegiance to thee, Texas, one state under God, one and indivisible."

[link to www.statutes.legis.state.tx.us]
Anonymous Coward
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06/20/2014 06:51 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
clappa
 Quoting: Astral Goat


just wishing they were in your shoes OP!!!!

the very smartest move you can make.

Why - because it frees up the principal/interest payment amount - by far the largest portion of the montly mortgage)

for other things.

OR - it means you DON'T HAVE TO EARN THAT AMOUNT IN THE FIRST PLACE!

Going into life ( retirement, college funding years, business building years, whatever) is SO MUCH SIMPLER

without that mortgage!

Congratulationschorus
 Quoting: beeches


You paid them but they already got paid, 3 days after you signed that note, and forgot to walk out with your deed of trust.

Once you walked out, they took your note, and deposited it and then they took your trust deed, blended it in a blender, and sold each part off.

Watch and see if you get your original note or deed of trust back.

Even if you were to default, the lender was already paid once they cashed your note. If you did default, the insurance co would pay back the lender for the loss, and they would infact be paid again. But since you finished paying them, they did get paid 2x instead of 3x. I guess I could commend that...
Anonymous Coward
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06/20/2014 06:52 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Paid for mine in cash.

Last one i bought, i paid off in five years.
CMcC

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06/20/2014 06:54 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Good for you...now you have real equity.
Fear God and Dread Nought.
Apocalypse TrollModerator  (OP)
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06/20/2014 06:55 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
clappa
 Quoting: Astral Goat


just wishing they were in your shoes OP!!!!

the very smartest move you can make.

Why - because it frees up the principal/interest payment amount - by far the largest portion of the montly mortgage)

for other things.

OR - it means you DON'T HAVE TO EARN THAT AMOUNT IN THE FIRST PLACE!

Going into life ( retirement, college funding years, business building years, whatever) is SO MUCH SIMPLER

without that mortgage!

Congratulationschorus
 Quoting: beeches


You paid them but they already got paid, 3 days after you signed that note, and forgot to walk out with your deed of trust.

Once you walked out, they took your note, and deposited it and then they took your trust deed, blended it in a blender, and sold each part off.

Watch and see if you get your original note or deed of trust back.

Even if you were to default, the lender was already paid once they cashed your note. If you did default, the insurance co would pay back the lender for the loss, and they would infact be paid again. But since you finished paying them, they did get paid 2x instead of 3x. I guess I could commend that...
 Quoting: Anonymous Coward 42720075


I have the deed, and the mineral rights. and I paid it off 20 years early.
attxflag
"Honor the Texas flag; I pledge allegiance to thee, Texas, one state under God, one and indivisible."

[link to www.statutes.legis.state.tx.us]
FoShizzle

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06/20/2014 07:00 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Debt free bitches.

I'm debt free.


So ask. Or don't! I DONT GIVE A FUCK!!!!!!!!


 Quoting: Apocalypse Troll


Way to go! Congrats!
Giohater

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06/20/2014 07:01 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
clappa
 Quoting: Astral Goat


just wishing they were in your shoes OP!!!!

the very smartest move you can make.

Why - because it frees up the principal/interest payment amount - by far the largest portion of the montly mortgage)

for other things.

OR - it means you DON'T HAVE TO EARN THAT AMOUNT IN THE FIRST PLACE!

Going into life ( retirement, college funding years, business building years, whatever) is SO MUCH SIMPLER

without that mortgage!

Congratulationschorus
 Quoting: beeches


You paid them but they already got paid, 3 days after you signed that note, and forgot to walk out with your deed of trust.

Once you walked out, they took your note, and deposited it and then they took your trust deed, blended it in a blender, and sold each part off.

Watch and see if you get your original note or deed of trust back.

Even if you were to default, the lender was already paid once they cashed your note. If you did default, the insurance co would pay back the lender for the loss, and they would infact be paid again. But since you finished paying them, they did get paid 2x instead of 3x. I guess I could commend that...
 Quoting: Anonymous Coward 42720075


I have the deed, and the mineral rights. and I paid it off 20 years early.
 Quoting: Apocalypse Troll


How did you do it?
Gio
Apocalypse TrollModerator  (OP)
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06/20/2014 07:06 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
How did you do it?
 Quoting: Giohater


My first question!

I bought a fuckton of land, waited a few years, and then sold a part of it for 10 times what I paid for it.

I would like to claim white privilege, but I'm a wetback...

Last Edited by Apocalypse Troll on 06/20/2014 07:06 PM
attxflag
"Honor the Texas flag; I pledge allegiance to thee, Texas, one state under God, one and indivisible."

[link to www.statutes.legis.state.tx.us]
thetrickybigguy

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06/20/2014 07:08 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Debt free bitches.

I'm debt free.


So ask. Or don't! I DONT GIVE A FUCK!!!!!!!!


 Quoting: Apocalypse Troll


i did that three years ago.
Falling down is a part of life, getting back up is living. ~

Life is about choices, you get to make them each and every day of your life. ~

Capitalization is the difference between helping your Uncle Jack off a horse and helping your uncle jack off a horse.~

Only in America... do we use the word 'politics' to describe the process so well: 'Poloi' in Greek meaning 'many' and 'tics' meaning 'bloodsucking creatures'.~

“When a government is dependent for money upon the bankers, they and not the government leaders control the nation. This is because the hand that gives is above the hand that takes. Financiers are without patriotism and without decency.”

If you're not a liberal at twenty you have no heart, if you're not a conservative at forty you have no brain.

Winston Churchill
LOU LA BELLE
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06/20/2014 07:15 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
congrats I am happy for you.I could do it early as well but decided to take it in the azz for a few more years. my payment is low and since i don't own it. If they take it. It was as if i payed low rent all these years. Good for you though I may toast with some bubbly for you tonight
beeches

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06/20/2014 07:16 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
...


just wishing they were in your shoes OP!!!!

the very smartest move you can make.

Why - because it frees up the principal/interest payment amount - by far the largest portion of the montly mortgage)

for other things.

OR - it means you DON'T HAVE TO EARN THAT AMOUNT IN THE FIRST PLACE!

Going into life ( retirement, college funding years, business building years, whatever) is SO MUCH SIMPLER

without that mortgage!

Congratulationschorus
 Quoting: beeches


You paid them but they already got paid, 3 days after you signed that note, and forgot to walk out with your deed of trust.

Once you walked out, they took your note, and deposited it and then they took your trust deed, blended it in a blender, and sold each part off.

Watch and see if you get your original note or deed of trust back.

Even if you were to default, the lender was already paid once they cashed your note. If you did default, the insurance co would pay back the lender for the loss, and they would infact be paid again. But since you finished paying them, they did get paid 2x instead of 3x. I guess I could commend that...
 Quoting: Anonymous Coward 42720075


I have the deed, and the mineral rights. and I paid it off 20 years early.
 Quoting: Apocalypse Troll


How did you do it?
 Quoting: Giohater


Here is the way we did it - not quite what the other person did!

We took money out of an IRA. We stayed in my small house instead of trading up when we got married. Just altered the inside to make it work.

We NEVER took a home equity loan, ever.

My mortgage was bigger than was prudent. We sure decimated that IRA, got lots of flack.

specifically: We went to a fifteen year mortgage from a 30-year, tried that for a while, said why not junk the whole thing,
hit the IRA piñata with a big stick and used it to pay the mortgage off.

Retirement is funded by other means - NOT reverse mortgages either - we will live simply on what we have.

For others: try the bi-weekly payment route to accelerate paying off the mortgage without spending more.

Use pre-payment any time you can, if you can pre-pay without penalty.

It DID cost us to recast the loan as a 15-year - that was a mistake in retrospect. Better to have just paid it off.

Last Edited by beeches on 06/20/2014 07:17 PM
we only have each other. And that makes us rich.. . .

Wisdom in the man, patience in the wife, brings peace to the house and a happy life.
Carol B.
TRUMP!

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06/20/2014 07:17 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
:dance babies:
beeches

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06/20/2014 07:19 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
:dance babies:
 Quoting: Carol B.


that cracks me up!hugs
we only have each other. And that makes us rich.. . .

Wisdom in the man, patience in the wife, brings peace to the house and a happy life.
Stoned Goddess

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06/20/2014 07:24 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
No question. Just clappa man.


clappa
:smokin1:
WindyMind

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06/20/2014 07:54 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Good for you!
CHL2T

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06/20/2014 07:56 PM

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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Still have property taxes.....

Technically you're just renting
Behind every great fortune, there is a crime ~ Balzac

He was and was not, He was encompassed in the name yet not encompassed in the name, having as yet no name other than the desire to be called by a name.... ~Umberto Eco

Daydreaming without action is just hallucinating......

It's better to fail at something you love than to fail at something you don't!

If you're only making money at your business, you're doing it wrong!
Anonymous Coward
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06/20/2014 08:01 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
nah you never will pay it off. I dare you not to pay taxes on it. lets see how long you can keep that house after that ;) It will never be urs. That is why the state can come in and take that shit from you. I own the clothes on my back. Do i pay taxes on them every year? no I own them. Let me know when you own your house then we can celebrate :)
SeattleTom

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06/20/2014 08:02 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
Ginger or Mary Ann?
Tom
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06/20/2014 08:02 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
:becomeacat:
 Quoting: Astral Goat


You changed your avatar? Are you still a goat or have you become a human?>
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06/20/2014 08:09 PM
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Re: I just paid the last mortgage payment I will ever pay, ask me a question.
BFD----- I owe 1.3M on 2.5M Worth of Real Estate(6000sqft house, 2700 sgft rental house and 11500sgft commercial; building in Denver---NEVER goes down.

YOU DO TH MATH CHUMP. What was your mortgage, 250K?

I poop more than that in TP.





GLP