2025 Class Drops
12-05-2025 | 04:31 PM
#1071
On Reserve
Joined: May 2022
Posts: 20
Likes: 2
12-05-2025 | 07:25 PM
#1072
Not a fed just going home
Joined: Oct 2023
Posts: 115
Likes: 54
An average dated house in FloMo is 450k+. Decent houses are 550+. I budget for min guarantee. At 3 year FO pay, no long term debt other than a mortgage from 2018 with a 3% rate, and no kids, we are breakeven, and have no outrageous spending habits. I max out my 401k and IRA and purchase the APA insurance products. Car and home insurance went up 50% and 30% respectively, and property tax rates have gone through the roof. Houses today in the same area are 50% more than what I paid and interest rates are more than double.
I imax and make significantly more than guarantee, but it isn’t prudent to budget for more, especially as a reserve.
I imax and make significantly more than guarantee, but it isn’t prudent to budget for more, especially as a reserve.
A 550k dollar home with 15% down with current interest rates gives an average payment just below 3K.
I understand you like to plan conservatively and I commend you for that but don't be here claiming "you can't afford it" you're just not comfortable with that amount and that's a personal decision not the math just not working out.
12-05-2025 | 08:57 PM
#1073
Line Holder
Joined: Mar 2020
Posts: 430
Likes: 73
73 hours at 3rd year pay is 17,155 which assumes no extra soft money. After taxes and contributing enough to max out your 401k leaves 10,662 dollars per month take home.
A 550k dollar home with 15% down with current interest rates gives an average payment just below 3K.
I understand you like to plan conservatively and I commend you for that but don't be here claiming "you can't afford it" you're just not comfortable with that amount and that's a personal decision not the math just not working out.
A 550k dollar home with 15% down with current interest rates gives an average payment just below 3K.
I understand you like to plan conservatively and I commend you for that but don't be here claiming "you can't afford it" you're just not comfortable with that amount and that's a personal decision not the math just not working out.
12-06-2025 | 03:22 AM
#1074
Line Holder
Joined: Jan 2022
Posts: 576
Likes: 13
the math doesn’t include interest or escrow payments for insurance and tax. Sure, just the principal is under $3k. With interest and escrow payments, it’s more like $5k
https://www.nerdwallet.com/mortgages/calculators/mortgage-calculator
Flower Mound is roughly 2.1%/home value for tax and Texas is starting to get pricey on home owners insurance. A $550k home with 15% down is easily $5k a month
https://www.nerdwallet.com/mortgages/calculators/mortgage-calculator
Flower Mound is roughly 2.1%/home value for tax and Texas is starting to get pricey on home owners insurance. A $550k home with 15% down is easily $5k a month
12-06-2025 | 04:50 AM
#1075
Gets Weekends Off
Joined: Dec 2011
Posts: 2,028
Likes: 246
From: A320 FO
the math doesn’t include interest or escrow payments for insurance and tax. Sure, just the principal is under $3k. With interest and escrow payments, it’s more like $5k
https://www.nerdwallet.com/mortgages...age-calculator
Flower Mound is roughly 2.1%/home value for tax and Texas is starting to get pricey on home owners insurance. A $550k home with 15% down is easily $5k a month
https://www.nerdwallet.com/mortgages...age-calculator
Flower Mound is roughly 2.1%/home value for tax and Texas is starting to get pricey on home owners insurance. A $550k home with 15% down is easily $5k a month
Again, it is doable. It would be reasonable if selling a prior house with significant equity but otherwise it would put one in a very precarious situation. It isn't going to be a new house for that price either so what about repairs, broken appliances, etc?
12-06-2025 | 04:53 AM
#1076
On Reserve
Joined: Jun 2016
Posts: 113
Likes: 3
yes it did, and it included 8 CLT 320 spots again. I am part of the 12/10 class and these CLT opportunities have taken me by surprise. I was really wanting the 737 but the chance of not having to commute after training is too tempting. I suppose my question is (and I know none of this is an exact science), how long would one of you guess I would wait before 737 CLT would be available? The next question is about upgrade: does your eligibility for upgrade depend on a certain number of hours on type? And how long are you locked on type?
Thank you!
Thank you!
12-06-2025 | 05:22 AM
#1077
Down goes Frazier
Joined: Mar 2023
Posts: 664
Likes: 129
From: AB FO
the math doesn’t include interest or escrow payments for insurance and tax. Sure, just the principal is under $3k. With interest and escrow payments, it’s more like $5k
https://www.nerdwallet.com/mortgages...age-calculator
Flower Mound is roughly 2.1%/home value for tax and Texas is starting to get pricey on home owners insurance. A $550k home with 15% down is easily $5k a month
https://www.nerdwallet.com/mortgages...age-calculator
Flower Mound is roughly 2.1%/home value for tax and Texas is starting to get pricey on home owners insurance. A $550k home with 15% down is easily $5k a month
A 550k house is affordable for a 3rd yr FO—especially with how cheap everything else is in DFW.
12-06-2025 | 05:27 AM
#1078
On Reserve
Joined: Apr 2017
Posts: 188
Likes: 50
yes it did, and it included 8 CLT 320 spots again. I am part of the 12/10 class and these CLT opportunities have taken me by surprise. I was really wanting the 737 but the chance of not having to commute after training is too tempting. I suppose my question is (and I know none of this is an exact science), how long would one of you guess I would wait before 737 CLT would be available? The next question is about upgrade: does your eligibility for upgrade depend on a certain number of hours on type? And how long are you locked on type?
Thank you!
Thank you!
CLT 737 is one of the most if not the most senior NB bud status at AA. 1 year seat lock for new hires (can withhold up to 1 year beyond that) 2 years for everyone else. Not sure about hours, you’ll have plenty assuming you don’t go on extended leave.
12-06-2025 | 05:47 AM
#1080
On Reserve
Joined: Jan 2008
Posts: 144
Likes: 7
yes it did, and it included 8 CLT 320 spots again. I am part of the 12/10 class and these CLT opportunities have taken me by surprise. I was really wanting the 737 but the chance of not having to commute after training is too tempting. I suppose my question is (and I know none of this is an exact science), how long would one of you guess I would wait before 737 CLT would be available? The next question is about upgrade: does your eligibility for upgrade depend on a certain number of hours on type? And how long are you locked on type?
Thank you!
Thank you!
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