[onlyrealcuzzo]

If you just bought, you don't have a negative real interest rate.

Your interest rate is probably 5% or so?

The real interest rate is probably 3% or so. That means your REAL interest rate is 2%.

When you inevitably get the chance to refinance at below 3% - your REAL interest rate will be negative.

The 30-year fixed mortgage is a product that would not exist without a government guarantee on Fannie & Freddie's debt. Even if you have a jumbo loan - it's only because of the MBS market created by Fannie & Freddie.

In essence, the tax payer is paying you for you to have a mortgage on your house - regardless of whether Fannie securitized your mortgage.

[sleepdreamy]

My interest rate is 2.7% - We've been in the house for close to a year now. Renting was going to be 700 more MINUMUM. I couldn't justify not buying but also feel..unsure about everything for obvious reasons.