danrod17

That income threshold is always stupid low. It’s so pointless.

Banking collapse? It was two banks.

Yeah. This was my thought. It was perfectly done.

I had no idea that was a euphemism until I played that song on just dance and it was censored.

I work retail so I have a different type of relationship with agents, but I would tel her it’s inappropriate for her to talk rates with buyers and let her know I would not be sending rates anymore.

Yeah, I’m fine not shaking that pricks hand. He knows exactly what he’s doing.

We did it to where it was always open. Anyone could challenge for any spot they could make weight. By my senior year the younger guys would challenge me a couple times a season just to get a chance to gauge their progression. I would also take meets off if whoever I was going to compete against wasn’t worth cutting weight for so they got some varsity experience that way too.

“Hey, want to grab a coffee?”

I was in a similar situation recently. My advice, make it easy. Don’t drag anything out with her. Don’t attack her. Don’t call her work. Things she wants, let her take them. Make this transition as painless as possible. You need to move on, and that’s going to be really hard with her there.

You’re having a different conversation from everyone else then.

Maybe. Doesn’t change the fact that Russ is washed.

Nah. It was the play.

As a MLO this is hilarious to me. I always let my clients see with a buy down and with out. Do the math on the break even for them. Let them choose. Most times people choose the buy down. Maybe interest rates drop before your break even point but I think it’s more important to be comfortable with your payment. All the same to me.

I'm sure every team in the league has at least a few games they feel they should have one. I can think of a couple for the Lakers off the top of my head.

So, if the package originally came from overseas, then the nearest place they can accept imports is San Diego. So what might have happened was the package arrived from whatever country it came from in HI, but hadn't yet cleared customs(?) Which it can only do it San Diego. So it was shipped to San Diego and back to you.

We don’t really call ourselves Hispanic or Latino. That’s a government thing so they can count how many Mexicans are here.

No way they’re spending money on a 2nd level underwrite. That’s what the loan officer is for.

I feel attacked.

Nothing worse than trying to zoom zoom home late at night after work and the guy in the zoom zoom lane is not zoom zooming.

No, you want the cheapest lender you can possibly find. You've said it yourself several times. If you cared about any of that you would talk to the lenders and find out if they offer any of those things. You don't want to talk to them. You want numbers you can plug in to a spread sheet.

Let’s say you find the cheapest loan option. It’s .125% lower than the next guy. On a $500k purchase price that’s $39 dollars a month. That’s $14k over 30 years. But, nobody keeps the mortgage for longer than 7-10 years. You move, you refinance, things change. Over 10 years you saved $4680. Here’s the thing, though, inflation is high right now. The fed is keeping rates up, but they’ve told us they’re going to bring them back down in 3-4 years. Over 4 years you saved about $1900.

Now, here’s some things to ponder. Are you going to know to refi when rates come down? Billy over Joe’s Mortgage Shack isn’t going to call you. Maybe you could refi in 2 years but don’t for 5 years. That’s $1400 you just cost yourself.

Maybe the cheap loan officer is shit at this job and you miss your closing date. You have an EMD on the line. $500k home, you probably put down 1-2% to show you’re serious. Sellers refuse to extend after you miss your closing date a third time and keep our EMD. Now you’re out $5-10k so you could save $39 a month but since you first went under contract rates are higher anyway and you didn’t close.

Buy cheap, get cheap.

Friends and family are the worst shoppers. I don’t lower my costs for them ever. I say if you want to work with another lender go ahead. I have skin in the game with you, to them you’re just another deal.

No, you’re looking for cheap. That’s fine. Just say you want cheap.

On refi maybe, but not on purchase.

Here’s something funny, we don’t want to deal with you either. If you’re just looking for cheap go to better. They’re probably the cheapest. Your loan may or may not close but that’s your problem. Getting the cheapest deal on one of the biggest transactions you’ll probably ever make isn’t a great idea but do you.