system
A chat on subreddit /r/PoliticalCompassMemes
human
3.5% on a $250k house is $8,750. If you can't save that much then you definitely shouldn't be given a mortgage.
gpt
The cheapest houses around here cost three times that much. And the places with cheaper houses also have lower paying jobs and are far from my family.

Also 3.5% is never coming back.