# I own a house!!! **URL:** \ **Category:** Miscellaneous and Personal Stuff I Must Share\ **Created:** [January 31, 2007, 3:05am UTC](https://boards.straightdope.com/t/i-own-a-house/390219 "2007-01-31T03:05:52Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Baker](https://avatars.discourse-cdn.com/v4/letter/b/bb73d2/32.png) [@Baker](https://boards.straightdope.com/u/Baker)\ **Post date:** [January 31, 2007, 3:05am UTC](https://boards.straightdope.com/t/i-own-a-house/390219/1 "2007-01-31T03:05:52Z")
Yep, I own the house, not me and the mortgage company. Today I made the very last payment on my mortgage, a traditional 30-yr jobber. Soon I’ll get the original documents, the mortgage itself and so on. It’s an odd feeling, not to be in any kind of debt. ---
**Author:** ![Shagnasty](https://avatars.discourse-cdn.com/v4/letter/s/9dc877/32.png) [@Shagnasty](https://boards.straightdope.com/u/Shagnasty)\ **Post date:** [January 31, 2007, 3:09am UTC](https://boards.straightdope.com/t/i-own-a-house/390219/2 "2007-01-31T03:09:31Z")
Congratulations, I plan on finishing early on mine if I can but it will still be a while. The best news is that you can probably get a great rate on a home equity loan now. ---
**Author:** ![Rigamarole](https://avatars.discourse-cdn.com/v4/letter/r/77aa72/32.png) [@Rigamarole](https://boards.straightdope.com/u/Rigamarole)\ **Post date:** [January 31, 2007, 3:12am UTC](https://boards.straightdope.com/t/i-own-a-house/390219/3 "2007-01-31T03:12:12Z")
[QUOTE=Shagnasty] The best news is that you can probably get a great rate on a home equity loan now. [/QUOTE] He just got out of debt, and you want to get him right back into it. Are you by chance a banker? 😛 Congrats. ---
**Author:** ![GingerOfTheNorth](https://avatars.discourse-cdn.com/v4/letter/g/cdc98d/32.png) [@GingerOfTheNorth](https://boards.straightdope.com/u/GingerOfTheNorth)\ **Post date:** [January 31, 2007, 3:24am UTC](https://boards.straightdope.com/t/i-own-a-house/390219/4 "2007-01-31T03:24:58Z")
Congratulations! ---
**Author:** ![Cunctator](https://avatars.discourse-cdn.com/v4/letter/c/43a26b/32.png) [@Cunctator](https://boards.straightdope.com/u/Cunctator)\ **Post date:** [January 31, 2007, 4:03am UTC](https://boards.straightdope.com/t/i-own-a-house/390219/5 "2007-01-31T04:03:31Z")
[QUOTE=Baker] It’s an odd feeling, not to be in any kind of debt. [/QUOTE] Well done. I paid mine off in April last year. Hopefully you’ll find, as I have, that no longer having to service a mortgage result in heaps more spare cash to be salted away in various investment/retirement portfolios. ---
**Author:** ![Sunspace](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/sunspace/32/1250_2.png) [@Sunspace](https://boards.straightdope.com/u/Sunspace)\ **Post date:** [January 31, 2007, 4:25am UTC](https://boards.straightdope.com/t/i-own-a-house/390219/6 "2007-01-31T04:25:54Z")
Congratulations! Welcome to the subversive ranks of the debtless! ---
**Author:** ![Savannah](https://avatars.discourse-cdn.com/v4/letter/s/b3f665/32.png) [@Savannah](https://boards.straightdope.com/u/Savannah)\ **Post date:** [January 31, 2007, 5:40am UTC](https://boards.straightdope.com/t/i-own-a-house/390219/7 "2007-01-31T05:40:20Z")
That’s wonderful! It’s a far-off dream for most of us… Enjoy your accomplishment, and enjoy YOUR home! ---
**Author:** ![Khadaji](https://avatars.discourse-cdn.com/v4/letter/k/9e8a1a/32.png) [@Khadaji](https://boards.straightdope.com/u/Khadaji)\ **Post date:** [January 31, 2007, 1:24pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/8 "2007-01-31T13:24:46Z")
Congratulations! That is a major accomplishment. Wishing you joy in your home. ---
**Author:** ![lieu](https://avatars.discourse-cdn.com/v4/letter/l/c2a13f/32.png) [@lieu](https://boards.straightdope.com/u/lieu)\ **Post date:** [January 31, 2007, 2:44pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/9 "2007-01-31T14:44:55Z")
[QUOTE=Rigamarole] He just got out of debt… [/QUOTE] She. Way cool, Baker. ---
**Author:** ![Nava](https://avatars.discourse-cdn.com/v4/letter/n/da6949/32.png) [@Nava](https://boards.straightdope.com/u/Nava)\ **Post date:** [January 31, 2007, 2:59pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/10 "2007-01-31T14:59:36Z")
I just rented my soul to the devil, ehrm, I meant to say, got a mortgage last July. I’m iiiinvyous. ---
**Author:** ![brewha](https://avatars.discourse-cdn.com/v4/letter/b/91b2a8/32.png) [@brewha](https://boards.straightdope.com/u/brewha)\ **Post date:** [January 31, 2007, 3:51pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/11 "2007-01-31T15:51:35Z")
I too am on the opposite end of the loan. I just bought a house in June of last year. My fiance and I have high hopes of paying it off in less than 10 yrs, which is doable in our current situation, but if/when kids come along it could be a different story. Congratulations! ---
**Author:** ![Scuba\_Ben](https://avatars.discourse-cdn.com/v4/letter/s/278dde/32.png) [@Scuba\_Ben](https://boards.straightdope.com/u/Scuba_Ben)\ **Post date:** [January 31, 2007, 3:55pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/12 "2007-01-31T15:55:16Z")
Well done, **Baker**! ---
**Author:** ![twickster](https://avatars.discourse-cdn.com/v4/letter/t/ec9cab/32.png) [@twickster](https://boards.straightdope.com/u/twickster)\ **Post date:** [January 31, 2007, 4:11pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/13 "2007-01-31T16:11:21Z")
Yay sis! ---
**Author:** ![MovingTarget](https://avatars.discourse-cdn.com/v4/letter/m/edb3f5/32.png) [@MovingTarget](https://boards.straightdope.com/u/MovingTarget)\ **Post date:** [January 31, 2007, 4:16pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/14 "2007-01-31T16:16:06Z")
Oh god I long for the day I pay off my mortgages…yes, that was plural. I am now the proud owner of TWO. God I feel like my soul has been ripped out. But awesome work for you Baker. Glad to see at least some of us are working towards freedom. Gratz again. ---
**Author:** ![Small\_Clanger](https://avatars.discourse-cdn.com/v4/letter/s/9fc348/32.png) [@Small\_Clanger](https://boards.straightdope.com/u/Small_Clanger)\ **Post date:** [January 31, 2007, 6:11pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/15 "2007-01-31T18:11:19Z")
Good on yer **Baker**. I just paid mine off in December. [QUOTE=Baker] It’s an odd feeling, not to be in any kind of debt. [/QUOTE] Yup, weird that £800 no longer disappearing from the bank every month. I was in the habit of paying lump sums off the mortgage whenever I had a silly amount in the bank. And I was careful to get a mortgage without an early close penalty\*. Six years on, no more debt whoohoo! I guess I’ll have to take up helicopter lessons. \*How the frak are they allowed to get away with that? ---
**Author:** ![Count\_Blucher](https://avatars.discourse-cdn.com/v4/letter/c/c5a1d2/32.png) [@Count\_Blucher](https://boards.straightdope.com/u/Count_Blucher)\ **Post date:** [January 31, 2007, 6:19pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/16 "2007-01-31T18:19:34Z")
Way To Go! All you have to do next is make sure Incompetant Bank & Trust cancels the mortgage properly so that you have clear title. That, and make sure that your tax bills get mailed directly to you now. But well done! _very jealous_ ---
**Author:** ![Tastes\_of\_Chocolate](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/tastes_of_chocolate/32/3232_2.png) [@Tastes\_of\_Chocolate](https://boards.straightdope.com/u/Tastes_of_Chocolate)\ **Post date:** [January 31, 2007, 9:32pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/17 "2007-01-31T21:32:41Z")
Yea for **Baker** 15 years and counting. Some days, that 800sq foot house, with no mortgage, looks good. Then I look at my piles of books and computers, and go write the next payment to the bank. ---
**Author:** ![RTFirefly](https://avatars.discourse-cdn.com/v4/letter/r/c77e96/32.png) [@RTFirefly](https://boards.straightdope.com/u/RTFirefly)\ **Post date:** [January 31, 2007, 10:45pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/18 "2007-01-31T22:45:44Z")
[QUOTE=Baker] Yep, I own the house, not me and the mortgage company. Today I made the very last payment on my mortgage, a traditional 30-yr jobber. [/QUOTE] Congrats!! The weird part, to me, is the idea of having lived in one house that long. I’m in my early 50s, and my wife and I have been in our current house since the fall of 1998, which is the longest I’ve lived in one place since the day I left for college. But it looks as if we’ll keep on living here, and we refi’ed to a 15-year mortgage in 2003, so we ought to own our house free and clear in 11 years. ---
**Author:** ![swampbear](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/swampbear/32/467_2.png) [@swampbear](https://boards.straightdope.com/u/swampbear)\ **Post date:** [January 31, 2007, 11:24pm UTC](https://boards.straightdope.com/t/i-own-a-house/390219/19 "2007-01-31T23:24:23Z")
WOOHOO **Baker**!!! Sump’n else to celebrate in April. 😃 ---
**Author:** ![Rysdad](https://avatars.discourse-cdn.com/v4/letter/r/7cd45c/32.png) [@Rysdad](https://boards.straightdope.com/u/Rysdad)\ **Post date:** [February 1, 2007, 12:29am UTC](https://boards.straightdope.com/t/i-own-a-house/390219/20 "2007-02-01T00:29:11Z")
[QUOTE=Baker] It’s an odd feeling, not to be in any kind of debt. [/QUOTE] Why do you hate America? But, really, good for you. I’ve got about six years left. Now, be very careful when they send you the title. Losing one of those can make a divorce seem like a birthday party. [Next page](https://boards.straightdope.com/t/i-own-a-house/390219.md?page=2)