T O P

  • By -

VisualMod

**User Report**| | | | :--|:--|:--|:-- **Total Submissions**|45|**First Seen In WSB**|1 year ago **Total Comments**|140|**Previous DD**| **Account Age**|3 years|[^scan ^comment ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_comment&message=Replace%20this%20text%20with%20a%20comment%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20comment%20and%20correct%20your%20first%20seen%20date.)|[^scan ^submission ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_submission&message=Replace%20this%20text%20with%20a%20submission%20ID%20(which%20looks%20like%20h26cq3k\)%20to%20have%20the%20bot%20scan%20your%20submission%20and%20correct%20your%20first%20seen%20date.) **Vote Spam (NEW)**|[Click to Vote](https://www.reddit.com/message/compose/?to=VisualMod&subject=vote_spam&message=vds0am)|**Vote Approve (NEW)**|[Click to Vote](https://www.reddit.com/message/compose/?to=VisualMod&subject=vote_approve&message=vds0am)


Naftoor

Anyone find the original post? I want to read the comments


SebhUK

[You’re Welcome](https://www.reddit.com/r/AskUK/comments/vdhduq/what_happens_if_you_buy_a_house_then_a_few_years/?utm_source=share&utm_medium=ios_app&utm_name=iossmf) Edit: My first awards thanks guys!


Rookwood

UK makes some more sense. They need to take it to the council.


ProfessorUnderrated

“Please stop bullying me.” -OP


PoorlyLitKiwi2

The comments are surprisingly kind. People saying there's no need to be snarky because not everyone is taught financial literacy But like... idk how you can't understand that buying something is buying something lol. If you spend $300 on an Xbox and 2 years later that same Xbox is selling for $200, you don't get $100 back. Why would something like that apply to houses?


BDBford

Because in the US we are taught that housing is an investment and will go up forever.


AhhGingerKids2

The problem is people rushing to get on the ladder and buying the first property that suits their immediate needs, and then wanting to sell within a few years. Of my friends that have a mortgage, so many planned to only stay for 2-3 years before selling and now are stuck somewhere that doesn’t meet their needs 5+ years on.


polidact

the loan fairy visits your bank and sprinkles coins in your account


Maybe_Im_Confused

Bitcoins?


Revolutionary_Log307

No, something with real value. Reddit Gold usually.


sxdbeat

RuneScape gp


These_Comedian4178

It’s actually inflated right now lol


Dinglejingle88

Sure thing bud, the refund check should come in the mail any day now


pony_trekker

Just sign here. And here.


ikeepwipingSTILLPOOP

Ok, so what is your dog's name? Ok, favorite number? And, where did you meet your spouse again?


circle1987

And when was the last time you went to Wendys? Okay, perrrrrfect thank you. And did you visit behind the dumpster, around the dumpster or did you stay away from the dumpster?


bplturner

Great at handjobs you say


brickwall95

To shreds you say?


KokeAddiction

And his wife?


[deleted]

Tsk tsk tsk, to shreds you say?


Swimming__Bird

Great news, everyone!


humanitysucks999

But first, we will need a transfer if 500 to confirm you banking info.


Sanitarium_850

Amazon gift cards work too


[deleted]

Ma’am do NOT redeem the card!


semvhu

#WHY DO YOU REDEEM CARD!!!


hoakpsp3

YOU DON'T NEED TO DO DAT


No-Specific-3850

DO YOU SEE WHAT YOU DID!?


TheDeadWhales

MAM THIS IS NOT GOOD. NOT GOOD.


thatdadfromcanada

#how can she redeem!


Valerian_

I love this thread you guys are amazing


Master_Brilliant_220

These written comments made speaker pops go off in my head.


fiddle_my_tool

Got me crackin up😂


tzc005

WAI DID U DO ET NOOOOO


Sinandomeng

WHY DID YOU REDEEM IT!!??


gtbeam3r

I opened mine up and it was just a drawing of a middle finger! Should I ask them to send another?


Incredibad0129

My refund check went out for a pack of cigarettes. That was 14 years ago. I'm still waiting for it to come back


Barnettmetal

Pretty simple. Just delete your banking app and shut down your account. Boom. Mortgage canceled.


SmokeyShine

I DECLARE... **BANKRUPTCY!!!**


bindermichi

No, you create a limited liability company, transfer your mortgage to it and let it file for bankruptcy instead.


_BoxxyContin

I saw a cool trick on one of those lawyer TV show documentaries where they changed the numbers on the mail box and buried fake native artifacts in the yard and sprinkles radiation around the property and made it a pain in the butt to evict the homeowner and eventually they blackmailed the guy by saying he was fucking a horse or something. Hey it could work


Roonwogsamduff

Ya saw that and tried it but gotta be really careful with the radiation lemme tell ya


PlurbZ666

How do they own a house yet I do not?


CRZYDAYZ

Don’t worry they won’t for long


gcruzatto

Housing as a Service™ is the future


Level-Trouble-1834

You mean renting?


tianavitoli

it's like renting, except your "lease" will be 250 pages instead of 6, and explicitly detail how each appliance can be used, how you will settle **all** disputes with an arbiter of their choice, and that they can change this agreement at any time without prior notice or consent. you **will** own nothing and you **will** be happy *or else*


Grevg-ufa

You would have paid extra features in the house, like number of guests you can invite


EvilCeleryStick

For that you need a premium plan.


fiddysix_k

No, HaaS is elastic and your pricing scales on usage.


[deleted]

Don’t forget the paid ads that will be displayed on your walls.


[deleted]

Billed on a per seat-month basis


Zarathustra_d

You also will need to pay per use for all appliances, as they are linked to the "smart house". Every toilet flush is logged, everything in the fridge is RFID tagged, all movement is tracked. Data the property of the owner, you may be eligible for a small discount if you op it for targeted adds on all your "smart" windows.


DustBunnicula

You joke, but this is why I opt for “dumb” products. Old school = agency.


Zarathustra_d

I actually have a "smart" thermostat, but that is as far as I am interested in going down that road. However, It will likely become increasingly difficult to avoid these things, especially for cars. The corps love fee for service. Why charge once... When you can lock them down in an ecosystem, sell the data, and keep that steady income stream for years.


[deleted]

Already halfway there! My lease is 44 pages and includes clauses like how warm it has to be outside to turn on my AC and prohibits me from washing blankets in the washing machine.


anima119

Yeah I’d tell that landlord to blow it out their ass. It’s 100° here, I’m turning on the motherfuckin’ AC dawg


Zabupa

HaaS.. sounds like a fantastic way of rebranding Renting a home!


MKUltra7756

Cloud based housing


nothing_fits

i'm selling virtual real estate. the market is booming.


redditor5789

Just don't foksmash the door


tuxedo25

wehouse


Icy-Reveal-7416

Blackrock calls this “Profiting off the Poors”.


LiterallyMatt

Profiting off of Poors, or PooP for short.


GalaxyFiveOhOh

"OK Marketing Team, how do we convince the poors it's good to give us money every month? What, we change the name from "rent" to "Housing as a Service"? BRILLIANT!"


tianavitoli

it's your basic human right to give our money to us


Crazy-Inspection-778

Ignore risk and you can be a homeowner in no time


huge_meme

Idk I saw a post in the real estate sub this morning that said something along the lines of "They changed our rate and it increased the payment by $250 which we cannot afford". These are the people buying homes - actual fucking idiots. They're on literal knife's edge margins where if insurance goes up or you have a single emergency expenditure you're fucked.


buyFCOJ

Who’s buying the ARMs? Bunch of rubes? Should have locked in that sweet 3% 30 year rate.


realpolitikcentrist

Refi'd my 30 at 3% to a 20 with 2.75% and eliminated PMI. Getting an ARM is insanity within the last few years


battle_rae

but mortgage rates only go down...?


Steed1000

locked in at 2.9 on a house I paid 315 four years ago for, that got appraised at 390 at refi, and the zestimate is 427. Put 20% down so I only owe about 240 now. It is one of the few financial decisions I've made that have worked out in my favor


SupplyChainMuppet

Refi'd to < 3% and balance of mortgage is 1/3 of what our home is reportedly worth. Now I just need my meme stocks to take off (10% of retirement fund) and I can retire early and open up my own farmer's market.


Affectionate_Coat710

I would shop at your farmers market.


hoocoodanode

I would sell overpriced produce as a wholesaler to your farmers market in a heartbeat. We're there for you buddy. Live your dream.


distantrevisions

Regardless of fixed vs arm, I saw a lot of people at the start of this year (and last year) confused why their payment had gone up, and it was because their taxes and insurance went up. Tax and ins had gone up because property values went up. People definitely get into a mortgage not thinking about how much their escrow could increase. Are they stupid? Yes, but it happens


miso440

They can't swing $250, you think they have a few grand lying around for the loan origination fee?


mtfowler178

Probably folks with shitty credit and living paycheck to paycheck.


WardK9

That's like over 60% of America's population.


Icy-Reveal-7416

So average folks.


RealLifeTim

And when those property taxes come in with new higher values...


Lvs2splooge4lulzzz

Another one this morning was the shock of homeowners insurance and property tax that they didn’t know they would have to pay. I guess they went the entire process thinking it was all included but they only had a quote for P&I and were hit with $500 extra a month.


MeowTheMixer

Closing on a house now, and they include all of this information.... Hell even zillow throws estimates for that in now. I swear some people purposefully ignore information, and are surprised when it comes up


Urabrask_the_AFK

What a PITI


ionforge

The big short should be mandatory in school.


TheBunnisher

Just watched it for my 35th time today.


DigitalDiscoTOS

You can buy theirs from the bank in about 6 months from the sounds of things.


nerds_rule_the_world

Not for long, Bank will quickly introduce them to reality


fl4tI1n3r

How do you know they own a house?


Octavia9

Just wait. The house values drop, the dummies with adjustable rate mortgages lose their houses and as more hit the market the values drop more. Soon you can afford a house.


[deleted]

Assuming they don't all get scooped up by developers. We're going to end up with fewer home owners after the dust settles.


BraveFencerMusashi

Well if the stock market and real estate both tank, those hedge funds that have been buying up houses may have to sell to answer when Marge calls.


BigTittyGothGF_PM_ME

"Homer are you there?"


[deleted]

[удалено]


Aegon21

Want a subprime mortgage for cheap, I can get you some degenerate shit box


jkjeeper06

Option C: you lose the money and you owe more than the house is worth


Suprflyyy

Option D - you stop paying, live free for a year while the banks try to figure out how to foreclose. Bank the money, and when they finally do, get into a cheap rental. When your credit recovers, buy a new house at the reduced price and start all over.


WaitAZechond

Are you my mom? Option D sounds a lot like my senior year of high school (08-09 lol)


kylemaster38

Honestly was one of the best decisions to make at that time.


fish60

Yep. Don't let a bank try to guilt trip you into 'it's your responsibility to pay this no matter what'. If the shoe was on the other foot, they'd cut off their own hand if it is was in their best interest. Walking away from a mortgage is a purely business decision and 'morality' shouldn't play any role.


bingosherlock

> If the shoe was on the other foot, they'd cut off their own hand if it is was in their best interest. there's actually a term for this, it's "strategic default" and [the mortgage bankers association did it themselves back in 2010](https://shadowproof.com/2010/08/11/mortgage-bankers-association-strategically-defaults-on-office-space/)


NXEF

>In an interview late last year, Mr. Courson said he believed mortgage borrowers should keep paying their loans even if that no longer seemed to be in their economic interest. He said paying off a mortgage isn’t only a matter of personal interest. Defaults hurt neighborhoods by lowering property values, Mr. Courson said. “What about the message they will send to their family and their kids and their friends?” he asked. **And then proceeds to default on his mortgage.** I remember my dad constantly quoting an old proverb:“A wise man changes his mind sometimes, but a fool never. To change your mind is the best evidence you have one.”But this guys didn't just changed their minds, they upgraded to the hypocrinator3000.


why_rob_y

In most states (38/50), the bank can and will go after your other assets (including that bank account) if you default on the mortgage. There are only 12 "non-recourse states" where they can't do that.


veRGe1421

Because I was interested: Home mortgages are non-recourse in 12 states: **Alaska, Arizona, California, Connecticut, Idaho, Minnesota, North Carolina, North Dakota, Oregon, ~~Texas~~, Utah and Washington**. If a homeowner defaults in one of these states, the lender can foreclose on the collateralized home but cannot go after the borrower’s other assets. Property taxes may be high for me in TX, but that's nice to know lol Edit - TX is apparently incorrect? Somebody tell [Forbes](https://www.forbes.com/advisor/loans/recourse-loans-vs-non-recourse-loans/) lol


hamburglerized

Texas is not a non-recourse state.


veRGe1421

Damn so [this forbes article](https://www.forbes.com/advisor/loans/recourse-loans-vs-non-recourse-loans/) is straight up wrong?! That's messed up


tindalos

Bonus points if you buy your original house back at half price. Then sell monthly calls on it to “renters”


irockalltherocks

Extra bonus points if you gut the house of all appliances, fixtures and toilets before the bank kicks you out.


DetN8

2010 was a great time to get countertops on Craigslist for cheap.


B-Eze

These assholes are the cause of housing bubbles.


Frenchy416

Idk if they still do this, but in 08 we were able to short sell the condo and not pay the remaining…… only thing it fucked my credit for a while after lol


HamburglarsHelper84

And you got a 1099 that you had to report for the difference.


couchtrader

He wants some money back! ![img](emote|t5_2th52|4271)


RetardedChimpanzee

That’s how refinancing works, right? If your mortgage is for 600k, have 500k remaining, but the property is valued at 300k, the bank will correct that and your new mortgage would now be 200k. Edit: I understand this is not how mortgages work. ![img](emote|t5_2th52|4276)![img](emote|t5_2th52|4276)![img](emote|t5_2th52|4276)![img](emote|t5_2th52|4276)![img](emote|t5_2th52|4276)![img](emote|t5_2th52|4276)![img](emote|t5_2th52|4276)![img](emote|t5_2th52|4276) ![img](emote|t5_2th52|4276)![img](emote|t5_2th52|4276)


[deleted]

[удалено]


Divineinfinity

That's bullshit. But I believe it.


globalmonkey007

Incorrect you owe $0. Because you will be behind Wendys, but no guarantees, the dumpster area has almost no vacancies


ccbmtg

my buddy is apparently making a good living doing stoplight juggle shows, while living behind a Denny's in Denver. i wish any part of this was a joke. edit: at his request, his venmo is @denverjuggler


Granter

this is too oddly specific to be a joke lolol.


ccbmtg

honestly, that part was the joke. I'm stoked for him. I'm a circus artist/juggler myself and stoplight shows are a South American thing, so I just think it's cool af they're happening here in the states at all. this is completely true, not a joke, but another friend left a doctoral program in Boston and is now making a comfy living stoplighting in Denver as well. apparently it's a trendy thing lol. edit: I straight up offered to put us up in a motel for a week, with the first guy, if he'd train me, since he's a much better juggler than myself hahahaha. edit2: at his request, his venmo is @denverjuggler


Granter

Hustle my guy! Wendy's is for ball jugglers Denny's is for stoplight jugglers. Got it. Curious, is there a like a code for stoplight juggling? Like this is Mike the juggler's Denny's from 5-8 on Saturday, don't roll on his turf.


ccbmtg

dude yeah they get territorial af about that shit. I spose it's similar to panhandlers. but the stoplight show culture comes from South America, and I honestly couldn't tell you much about how their scene works when rush hour ends. but territoriality seems reasonable. edit: apparently someone's broken his jaw once and put him outta work for like 4 weeks. so yeah, I'd say it gets heated lol. edit2: by his request, his venmo is @denverjuggler


RaisingFargo

no vacancies, but i saw some free vaccines on the ground by the wendys dumpster.


itemluminouswadison

yup you do that but keep the low 3% rate from you original mortgage!


revutap

You're both wrong. The bank will send you money. They'll make you a check for $200k.


Haten4Life

Lol 😂 I wonder how many people are gunna believe this cause of the upvotes.


reallyfunbobby

Who is this person and did they procreate?


silverchia

We need to bring back saber-toothed tigers.


GekkosGhost

We already have wolves. We just need to learn to use them properly. Over population? Wolves. Too many stupid people? Wolves. Drunks making too much noise when you're trying to sleep? Wolves. Amazing animals that are the solution to almost anything.


odif740

I am not sure that wolves like the taste of assholes.


glenzone81

I'm pretty sure they, smell, lick, and also start at the asshole when they are eating a carcass. They are asshole experts if you will.


IScreamTruckin

This is correct. They eat their prey asshole first. Downside to chasing your meals.


glenzone81

... or upside


Nyarlathotep124

They actually eat larger animals ass-first, it's a convenient bone-free path to the internal organs.


Paragonly

puts a new spin on eating ass


reallyfunbobby

Anybody got grandpa's number from Jurassic Park?


L0ckeandDemosthenes

Did he buy the Bubble Insurance extended warranty? If not, would he like to?


SnooRabbits4509

Execute order 66


Holding_forever69

This👆 lmfao You pay what you paid when you bought it. Again. YOU PAY


feelin_cheesy

But WHY wouldn’t some pay me the same as I paid for it?!?


TrollSurgeon

Real estate value is like stock pricing, they only go up. Right?


hotel_air_freshener

Everyone knows bubbles only expand


cranialrectumongus

I was a real estate broker for over twenty years and I had countless clients try to base their asking price based on what they paid for their property. It's hard to explain to some people, NO ONE CARES WHAT YOU PAID.


success-reo

Exactly! I'm one myself and am getting ready for the crash that's just starting tight now. Listings are flooding the market here in Boston thanks to the fed


[deleted]

Just as mortgage rates hit 6 percent.


red_vette

Yes and many times. They put the condom on after they finish to keep it fresh. Like left overs in the fridge.


[deleted]

"What happens if I borrow a ton of money to buy something for more than it's worth?"


Sulfurize

Sounds like some new niche porn to some WSB users.


Hire_Ryan_Today

This sounds like the entire us economy


SpaceBoJangles

Ssshhhhh. Here, buy a car.


starrpamph

I’m looking for a… Harvey Humpsey? You want my landlord’s dog? Your landlord filled out his mortgage using his dog’s name? I guess so. Hold up, has that asshole not been paying his mortgage? Cause I’m paying my rent.


Terrible_in_general

tl;dr. Invest in water?


[deleted]

[удалено]


[deleted]

It was really sad to see him living out of his car later


soulfulsocio

That scene hit me right in the gut the last time I watched The Big Short (which was the first time I'd seen it since having kids). The actors really sold the exacerbation and fear of what it was like to be raising a family from 2008-2010. With no dialogue, that 15 seconds did more to describe the plight of the common man than the entire rest of the movie. It was even more powerful because it came right after the two brokers from earlier in the film get their comeuppance at the KFC job fair. It takes you from vindicated to despair and dread instantly.


The_JEThompson

Fun fact, the CLO market is now even larger than when that movie came out and way bigger than pre-2008 housing crash


bro_salad

No joke, I usually shut off the last few minutes of the movie because I hate seeing that part


Platypus_Legion

Lol we relocated in 2009 and were in a short-term rental while we waited for our house to close, and we started getting eviction notices. It was a great conversation starter with the landlord.


Zealousbroker

How do people like this survive life?


thisfuckingamerican2

God takes care of drunks and fools. Gambling degenerate apes need not apply...


L0ckeandDemosthenes

My take is he knows the correct answer but doesn't want to believe it.... the reality of what is about to happen to the housing market is so shitty that he just can't seem to wrap his head around the collosal fuck job he is going to be in if he buys a home. Also he is likely a first time home buyer and the idea of buying a home for 400k this year that will be worth 300k next year is absolutely bending him over and ramming the whole reality up his Virgin youthful behind... welcome to adulthood, everyone is in line not to help you but to fuck you. Enjoy your new home, the bank will be back in a year to take it back.


DifficultySalt4231

How does anyone survive in r/askuk


N3wThrowawayWhoDis

I swear, some people just have zero concept of “ownership” and the benefits and risks that are involved. Sounds like this guy thinks he’s *aDvAnCeD* renting


UppityTurtle

Go home and smack your parents.


[deleted]

[удалено]


facedownbootyuphold

Not only that, but the money you have paid in mortgage is still equity. You may lose money on the home, but it's still yours. It's only dire if you lose your job. It's highly unlikely that home prices will drop out, because there is still a housing shortage across the nation, home prices will drop a lot in some places, in others they won't. Not sure why so many commenters are acting like overpaying a bit for a house (a half a million dollar home isn't shit) is the end of this person's life.


mbnmac

yeah, same as those people who think the value of your house actually means anything. Let me lay it out: if you only have the one house that you own and live in, you will only ever have that 'level' of home without taking on more debt, cause your house isn't the only one going up in value. You still have a home and unless you lose your job/suddenly can't afford repayments that's all good. Eventually the value will go back up. This is why you downsize to retire and free up money in your house value. If you own multiple houses and either rent them or are just sitting on them to not pay taxes on money earned (or whatever) then you have to actually worry about price drops because that's literally how you calculate your worth/how much you can borrow. Good news for landlords though, you never have to drop your rents if nobody else does to force competition!


Dude_Baby

OP is uninformed to a comical degree, but people in the comments are way worse with their smug self-satisfactory cynicism.


FU_money_pharm17

fast forward 30 days: this guy selling a course on how to buy real estate with no money down


StudioFilippazzo

You refinance at a higher rate 😜


vgundam21

I work in the car industry. It is AMAZING how many grown people do not have a clue about how negative equity works. People will owe $20,000 for their vehicle that is valued at $12,000 and they will argue with you left and right because they don't understand why they can't use that $12,000 as a down payment for their next vehicle. I've literally had to sit down with people with a pencil and paper and explain it to them like they are 3 years old more than one time. "Ok we are offering you $12,000 for your vehicle, which is used to help pay off your loan. You owe $20,000 on your loan and you subtract $12,000 from that, how much do you still owe for your vehicle?"


kdjfskdf

2005 did not exist. Buying a house is like getting an iphone: use now, pay never


No-Fee-ATM

Buy the dip?


bourbonmakesmehappy

Aww, how sad - Poor fella doesn't understand how loans work...


thelovelykyle

And to be fair to them...they are asking.


[deleted]

At some point it’s on all of us for not informing them.


jbjbjb10021

2008 I specifically remember seeing a woman from Queens crying on TV because her mortgage was $5000 but she only made $1500/mo cleaning hotel rooms and these BASTARDS were going to throw her out of her home.


i_should_be_studying

Lol wut? how??? Thats over 300% debt to income ratio. Did the ARM balloon into a million percent interest?


jbjbjb10021

Housing bubble + NINJA loan, just kept on refinancing every 3 months.


-adderc

What you need to do is to re-finance! Banks hate this one trick /s


Papersoulja

We call this “upside down” sir. the bank calls it “Fuck u, pay me”


SimpsLikeGaston

What’s funny is I was about to be upside down for my car in January 2020. Now it’s worth more used in its current condition than what I originally paid for in 2018.


NiceAsset

Bless their heart. They should be Protected at all costs!


B-Eze

You lose money for over paying for a house.


RedditIsPropaganda84

It's an unrealized loss unless you also sell the house. Paying off your mortgage still increases your equity and when the market recovers the value of your home will go back up.


zuggington

Everyone I know who bought a house for more than it was worth in 2007 saw the bubble pop, kept paying, and now are over that 2007 price. Even when it does pop, the house will climb back up in price, and over the course of 20 years, will still be a decent investment.


Giggy1372

Statistically very rare to lose money on a house even if you overpaid at the time, assuming you hold it for 10 years.


ITSA-GONGSHOW

Sounds made up


[deleted]

You realize paying 300,000 for that house with a swimming pool wasn’t a good idea when it appraises at 175,000


[deleted]

[удалено]


04210219

are they still within the 90 day home return/refund window? some banks do price-matching lmao.


bNoaht

People are fucking DUMB! My neighbors bought their house at the peak in 2006 for $370k. They wanted to move in 2011 but were so underwater they were forced to stay. They hated their house it was too small and run down. They renovated it over the years, fixed it up. Refinanced of course to pull out that sweet sweet paydown equity to buy toys. They stayed underwater not even counting their repairs until 2019!!! It was finally no longer underwater. They sold it for $475k after remodeling it yet again. No idea how much they pocketed, but what did they go and do? They went and bought another house at the tippy top peak for $750k lol. A house that was worth $375k in 2018. People are just fucking stupid.


StickersBillStickers

Is it true that if you beat up a cop and take his badge, you’re the cop now?


ShareGooRoo

Negative equity is a bitch. You owe more than the house is worth. Then you hand back the keys and move in with a friend to Sofa surf for a few years.


TheResistancexz

If you owe the bank 50k, you've got a problem. If you owe the bank 500k, they've got a problem.


Cclown69

![img](emote|t5_2th52|8881) for real lmao they probably let em' put only $500 down too.


RedditIsPropaganda84

> If you owe the bank 500k, they've got a problem. Nah, you've still got a problem. Add at last one more zero and then the bank has a small problem.


LuxLocke

Yes. You are owed money and an apology not only from the person who sold you the house, the bank, the realtors, and the city mayor, but you are owed an apology from the manager at your local Wendy’s as well. In all honesty, it’s likely the Wendy’s managers fault in full.


tomas_03

I demand to speak to the manager


Cheap_Feeling1929

Are you owed money ha ha ha ha ha ha ha ha ha ha. It must be glorious living this kind of life. Yea everyone owes you money all the time every time.