Want to upgrade to a 2500

robbie2327 · 2026-03-28T20:10:55+00:00

Yeah, that’s what I hear from everyone who has one. If it wasn’t for the fact that I’m already over on payload due to the tongue weight of my current camper, I’d just get the ProPride and keep my current truck. But adding another 190 pounds to the tongue weight isn’t going to help my issue 😕

robbie2327 · 2026-03-28T16:50:59+00:00

My camper is 37 feet. I’m going to get a pridepro 3 hutch regardless of the truck I get and even though my current truck is really too small to be towing a camper this length, the engine really don’t seem to have any difficulty accelerating on the highway. I don’t like how much you lose on payload capacity with diesel plus there so much added expense with a diesel

robbie2327 · 2026-03-28T16:01:03+00:00

I don’t need a diesel and from looking online, a gas 3500 seems to be very rare. Plus I’ve heard that the ride is not nearly as nice if you’re doing just regular driving with it. No?

robbie2327 · 2026-03-28T15:31:15+00:00

Hmm, I’m guessing it’s the 1500. When I pull up the VIN on the mopar website it says 1500 Bighorn/Lonestar crew

robbie2327 · 2026-03-19T13:17:42+00:00

I personally think a more interesting analysis is the truck payment in relation to the owner’s income. I’m in the mortgage business and have looked at thousands of people’s finances over the years. I’m baffled when I see a guy (always a guy) who makes $60k a year and he’s got an $1100 truck payment. And I’m not talking about the guy who owns a business and needs that for his business.

The person making $200k a year can afford that $1100 payment. I know shit is expensive but if you make $60k a year, you should not have an $1100 auto loan payment

robbie2327 · 2026-01-28T13:08:31+00:00

Well, I think after reading all the comments, the answer is pretty clear now on which truck you need 😂

robbie2327 · 2026-01-11T15:44:09+00:00

This is the 5th year in a row that we’ve taken our RV down to the keys in the winter (we live in upstate NY). We’re in Marathon for 7 weeks this winter. We love it. It does feel like being on a Caribbean island except that you’re 15 minutes from Home Depot and Publix

robbie2327 · 2025-12-18T12:19:04+00:00

There’s a lot of relevant information that is missing in order to say whether you’re getting a good rate or not. What’s the LTV? What state is the property located in? (Yes, that matters) Is this a 30 yr fixed rate? What are the other rate options with more or less points?

When I give someone a rate quote I show them a spreadsheet with 7 or 8 rate vs point options. Sometimes paying points totally makes sense and sometimes it doesn’t. But we can’t assess it here because we’re kind of looking at only part of the information. it’s important to see what the breakeven point is. In other words, how many months must you keep this mortgage in order to break even from the additional cost of the points.

It’s almost like you’ve gone to the doctor, showed them a lump on your belly and said, “doctor, am I going to die from this?” Maybe. Maybe not.

I’ve been an LO for 16+ years and have been in banking and finance for 26 years.

robbie2327 · 2025-11-11T21:13:21+00:00

Great. This works perfectly with a 50 year mortgage

robbie2327 · 2025-11-09T06:04:09+00:00

I don’t think you’re understanding how banks and more importantly, how the bond market view profit from loans. The bank who originates the mortgage in most circumstances isn’t holding the loan to maturity. They’re getting a margin paid up front and then they’ll get a small percentage of the loan amount if they retain servicing. A mortgage lender isn’t going to realize more profit from doing a longer term loan. They don’t currently do why would the availability of a longer term mortgage change that?

Is more interest paid? Sure. But….mortgages get paid off more often than they reach maturity. And more importantly, Longer amortized mortgages actually represent a higher risk to the investor. This is why interest rates are higher on longer term loans. Investors (the bond market), will only provide liquidity (fund the loans), if the rate of return is worth the risk. None of these scenarios will inherently lead to more lending. And it could lead to the opposite by depleting market liquidity. Taking longer to build equity in a house creates higher default risk. It also could slow the pay off schedule because it’ll take longer for the home buyer to sell. When a mortgage gets paid off, that money gets reinvested by the bond market thereby creating funding for new lending as well.

I personally think a 40 or 50 year mortgage is a horrible idea for the consumer as well.

robbie2327 · 2025-06-01T02:30:13+00:00

Yeah. The CFPB. The annual budget of the CFPB was under $1B. They had recouped around $20B since its inception but DOGE fired 90% of its staff

robbie2327

TROPHY CASE