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30 year fixed mortgages are actually not as good of an idea as you'd think.

I actually spent a significant part of my early career working with real estate economists.

A bunch of economists I know actually lost money fixing their mortgages in 2008. They fixed at too high a rate and weren't prepared for the low interest rates environment.



Did they know that they could refinance as rates drop?


Yea, if you owned a home and didn't refinance when rates dropped below 3% you were crazy.




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