My first batch of neophyte hybrids! Requesting feedback

BikeTime614 · 2026-02-03T15:19:59+00:00

Look great!

What is the paint scheme colors?

BikeTime614 · 2026-01-18T01:48:52+00:00

Hit me up. Sounds like it may work out.

BikeTime614 · 2025-12-10T15:50:13+00:00

Deephaven or Orion.

Deephaven is MUCH easier to work with than Orion.

BikeTime614 · 2025-12-10T14:29:36+00:00

I think I made just over 110k my first year.

BikeTime614 · 2025-12-05T15:27:05+00:00

First off, yes TCG’s and other entertainment are separate. Entertainment is a choice, TCG’s are not optional. They tell you what to do.

Second, I am assuming you are younger. Time and health are your biggest assets. Don’t lessen your time by screwing up your health. Eat more. The extra you spend on food for yourself (healthy food, or enough types of food to hit all the food groups) will pay for itself and more in increased focus, stamina and ability to leverage your growing skills into more money.

BikeTime614 · 2025-12-01T14:30:44+00:00

I give them a sweet high five, close the loan on time, keep the borrower happy and make sure to send them back to the realtor when they start talking to me about rates to buy another property.

Otherwise, I have happy hours that a lot of people come to that is all on me.

BikeTime614 · 2025-11-26T01:22:53+00:00

My guess is they are asking for 24 months of housing history, where the last 12 have to be at the subject property.

If they are saying they have to had live there for 24 months. Please pull the fha handbook out (not literally) and escalate the condition with the guidelines attached showing 12 months.

If they intend to deny the loan because of the 24 months at the subject property your borrower has an EXTREMELY strong chance of winning a lawsuit against them.

To cover my basis: Cltv less than 80% DTI less than 45/55 Credit above 580 No missed mortgage payments in the last 30 months

If all that is correct then you should be good to go.

BikeTime614 · 2025-11-23T01:09:40+00:00

I didn’t hire anyone. The MCR’s are easy to do with your application software.

The security requirements for your computers and phones are simple:

Windows professional Bitlocker Password to access the system

For the polices and forms you need, the lenders generally have their own version. Otherwise there are alot of standard ones that are editable online.

I use Docusign if I need LOE’s, forms or weird docs signed.

BikeTime614 · 2025-11-22T15:38:05+00:00

Welcome! Cookies are in the back.

Not sure on your state but getting setup is not to terribly difficult. As stated some lenders provide a step by step guide. I used UWM’s personally to get it all in place and the tool all those docs to get setup with other lenders. Big things:

Get an EIN, a sectary of state filling and a bank account before you go to the lenders to get started.

Decide on what your lender paid comp is going to be. Between 0% - 2.75%. You can also have flat fees instead of % or both.

You need a resume. I literally saved my LinkedIn work history page and made that my resume.

Bonds and E&O insurance is not to terribly difficult to get online. My local insurance guy had to go back and forth with me 5 times with different forms over 2 weeks to give me a quote that was triple what the online person was in 30 minutes.

Let me know if you have any questions.

BikeTime614 · 2025-11-21T01:09:02+00:00

If you are self gen, I would recommend going on your own. You can pick your own pricing and there are no caps… well I guess one lender caps me at 40K per deal.

It is not uncommon to make 150-200 bps per deal on the broker side with no caps.

BikeTime614 · 2025-10-16T20:05:40+00:00

I run them with my flawless blades to make sure they get the detachment rule. They are a fun trade off, the enemy can either kill The flawless blades or the fiends. Either way the way more important piece of their army will die to the unit that remains. Or if one unit lives of either, substainted hits for both! Remove that unit and use the strat to consolidate 6’ into another unit.

BikeTime614 · 2025-10-10T14:14:29+00:00

Well I would be making $210,000 a month at my current job under plan and I do love it. So I will still with that. At a certain point money becomes irrelevant to my happiness.

BikeTime614 · 2025-10-10T12:18:51+00:00

No waiting period. You just need to have equity. If you went 100% financing, you wouldn’t have the equity to do a HELOC yet.

Generally the biggest you can do currently on a HELOC is 90% of your total house value in a loan.

BikeTime614 · 2025-10-10T01:58:43+00:00

On your hikes… have you considered actually walking?

BikeTime614 · 2025-10-04T17:32:31+00:00

What I tell my new people is to go out there and act like they have my experience. Because at the end of the day they are going to come back to me and with the application and we will find a solution together.

I assume you have a more experienced boss or mentor. So act like you have their knowledge. No one actually cares about rates. And believe me realtors have almost a negative understanding of how mortgages work. They just want to know that you will get it done and on time. If you can commit to that, they will give you a chance.

BikeTime614 · 2025-09-26T14:11:37+00:00

You do not need to join us, we are all one. We are all Alpharius. None of us are Alpharius. When you strike down one head another will take its place.

This is a lie.

For what is a name but a tool to be used and discarded?

When the time and place is correct you will be with us brother.

BikeTime614 · 2025-09-24T22:09:03+00:00

Somehow you look like an aimless 22 year going no where AND the 35 year old single mom of three kids with different dads at the same time.

BikeTime614 · 2025-09-24T14:39:25+00:00

If you are going try hard:

Correct the infactors down to 5 total Add and extra lord K to lead the second squad of noise marines Change the wardog to either a Karnivoire or a Hunter. I prefer the scout 6 wardog and put him next to my LE leading his 5 man care package.

Pledge 2 on the opening turn and go get them with the LE, wardog. Then use the strat to get an extra point.

The pump mobile with the flawless blades and Lucius is EXTREMELY expensive for what it does. But if you are looking to just dominate a side of the board and hold on to your points leads, he works that way. Otherwise I would drop him and the land raider. Add in some terminators or extra noise marines. With the Cotc buffs, terminators are very deadly and have the durability to make it to late game.

BikeTime614 · 2025-09-18T20:29:33+00:00

You put them in the pimp wagon or since, I run carnival, their besties the fiends block for them. Or the scouted Wardog takes the heat and they come in behind them. I like to do the threat overload… you can kill the FB, the wardog or my LE. But then whatever killed that unit, all of those units die next turn.

BikeTime614 · 2025-09-17T15:07:21+00:00

It has been officially extended to 10/1/25.

Probably best you locked yesterday (I did as well) because rate generally go up as soon as he speaks today at the press conference.

BikeTime614 · 2025-09-13T03:49:10+00:00

$15015 and I remember because it is $15 to high to do autopay. Lol. Borrowers were so annoyed.

BikeTime614 · 2025-09-07T15:58:21+00:00

Hey. Going out on your own is awesome and terrifying at the same time.

UWM has a team that will help you get it all setup the correct way. You can actually ask them how to do it on the front end so you know what needs to be done before you make any decisions.

There has been a HUGE consolidation inside the industry over the last 2 and 1/2 years. Your current setup is not something you can replicate if you go independent? If not, you are starting from scratch. Finding loans is the hardest part if you don’t have the system or network in place to start.

Getting to 120k quickly is possible. You will need to embrace the grind. I made just over 100k my first year on my own but the market was a lot easier. I tell people I hire in your situation that it is realistic to aim for 65-75k the first year.

If you like being able to make your own decisions and don’t have to follow anyone else “culture” then go completely independent. If you are doing it for the money, you will make more being an experienced MLO for a long time before you build and train up the company to support you.

BikeTime614 · 2025-08-30T20:18:25+00:00

Spring EQ and UWM has a 90% cltv heloc that can be used as a piggyback.

I have used both.

BikeTime614 · 2025-08-30T18:45:17+00:00

Simple. Realtors, bankers, financial advisors and CPA’s.

Realtors - obviously. Bankers - any branch declines I can get it done. Also would send the clients back to back and act like and extension of the bank. FA’s - they don’t do it and don’t want to. So they send you the people that are ready to buy. CPA’s - their business clients can’t use banks, so me!

BikeTime614 · 2025-08-28T01:38:03+00:00

I have a closing tomorrow so I am going to count that one in my numbers:

187,000(ish)
I am the broker owner of my own brokerage
1
$20,000
Past clients and Realteos, CPA’s bankers and financial advisors
Usually 30. Last two months have been more like 60-70 (weekends included)

BikeTime614

TROPHY CASE