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I just have a quick question.

My husband and I are actually wanting to buy a home,

and he wants to do the shared mortgage,

and he's trying to convince me that it's a great thing and that

it's so wonderful, and it sounds very stupid to me.

And so I would just like to know what you...

Don't hold back, Tammy. Tell us how you really feel.

Well, I wanted to know what is this and the negatives and the positives and the positive,

if there is any positives.

That's my question.

Shared mortgage, negative and positive, and is it a good thing?

It is not a good thing.

Your instinct is correct.

You win the argument. Now, let's talk about why You win the argument. Now, let's talk about why.

Let's talk about why. You have a good news for, you have a good nose for stupid.

And so, you're like my wife in that regard. But so a shared appreciation mortgage is what we're talking about and what this is is the

mortgage company in return for a lower interest rate and in return usually for lesser

down payment you give up a portion of the increase in value.

And so you buy a $300,000 house

and it goes up to $500,000.

...