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[–] [deleted] • 0 pt

What is this even about?

Is this a Federal law? What state is this happening in?

Is there a House Bill or Senate Bill that is being voted on? Has this already been codified?

OP, why wouldn't you provide any additional info?

[–] • 1 pt

Apparently GSEs like Fannie Mae have adjusted their fee structure. To see this you have to compare exhibit 3 in the with page 2 of the currently . I couldn't find a better source for the 2022 table.

There is no point in the fee matrix at which someone with bad credit pays less than someone with good credit. However, for a given credit rating putting less money down seems to lower the fee at certain points which makes almost no sense.

[–] [deleted] • 1 pt

This info is very much appreciated. Thank you for putting it together

[–] • 0 pt

Time to create private "community loans" that exist within a church or social club setting.

[–] • 0 pt

Sounds great in theory but many big hurdles to make it happen. That kind of money doesn't exist in most churches.

[–] • 0 pt

True, not with how indebted our society is. When every house and every car has debt, everyone is a debt slave.

Once upon a time, western society wasn't full of debt slaves. (Many of the Amish still live like this...)

[–] • 0 pt

After one adds up all the taxes they pay before getting a paycheck (state, federal, SS, etc), the taxes paid in after tax monies (property, fuel, excise, sales, tobacco, liquor, phone/cable/internet, etc) and the non-tax taxes (water, sewer, power) at the end of the year, it is startling to see most only get to keep/spend far less than half of their original earnings.

We didn't have a federal income tax prior to 1913. We didn't have towns and cities drunk on tax revenues looking for an even bigger bite out of your pie. Think how grand life could be without the extreme taxation we face today and how limited the debt slavery would be if people were able to keep most of the money they earned. It would solve a lot of our modern day problems.

[–] • 0 pt

I disagree with all the economic and financial and climate equity crap. Keep your dem hands out of our pockets and savings. It occurs to me though that, hey, the dems are segregating everyone and making black people not want to be in the same classrooms, colleges, cities, states, or countries as white people. I don't mind that dem segregation, I just want them dems to cut it with the anti-white racism. Stay separate, just don't take away stuff from white people