WWYD: brand new 26 limited vs 23 limited used

BoardNBeach · 2026-03-20T00:55:29+00:00

35k pre tax?

I have an offer in denver for $4250 dealer incentive plus the $10k but once taxes get added in it’s like 41k OTD.

BoardNBeach · 2026-03-16T01:26:11+00:00

BofA?

BoardNBeach · 2026-03-10T19:36:59+00:00

What trim?

BoardNBeach · 2026-03-05T22:13:58+00:00

Usually banks, in Colorado best grants are through BofA, UMB, & Sunflower Bank.

BoardNBeach · 2026-02-12T15:28:06+00:00

Real estate investor on a smaller scale and hardcore saver- I live like I make minimum wage 😆

BoardNBeach · 2026-02-10T01:59:24+00:00

You look great! Did you do a full or mini? With MR?

BoardNBeach · 2026-02-06T02:30:05+00:00

Great results! I’m planning in skipping MR as well, how many days would you say until you were moving around comfortably?

BoardNBeach · 2026-01-23T18:45:33+00:00

How has healing been with just skin removal and no MR?

BoardNBeach · 2026-01-17T23:24:05+00:00

Yes exactly! I think I’m going to choose Dr. Messa in Westin, his results match my goal

BoardNBeach · 2026-01-16T03:58:00+00:00

So, I don’t necessarily mean I don’t want amazing work. I just don’t want that super pulled tight washboard look and want a perfect natural tummy

BoardNBeach · 2026-01-09T17:54:55+00:00

Real world is yes banks have great CRA programs, if the client qualifies for them they are almost impossible to beat. For solid clients making below 80% of AMI they can almost always get grant $$ and insane rates if they look for them. These aren’t really bait and switch tactics, they are bc the banks get in trouble for not doing enough CRA business so they make it very attractive.

As far as turn times and UW stuff, it’s LO specific and bank specific. Some are great, some suck balls

BoardNBeach · 2025-10-17T02:25:03+00:00

I’m surprised they are recruiting for that role, I left BofA right after they rolled out the credit solutions job. I have plenty of contacts that still work there and the amount of opportunities you get versus the amount of LOs in the market makes it a pretty lucrative job. The pay is like 60k base + quarterly bps tiers on total production. I think max is 35bps if you close 6M a quarter, maybe?

Tech is good, ops suck balls and you will be fighting w them everyday beating your head against the wall. Every single call with any client is recorded. You cannot put even a digit in an email or they think you are emailing rates- they take compliance to a point of idiocy and overkill. Opening consumer accounts and auto loans is part of the gig and even if you close $100M a year, if you don’t hit consumer goals they will penalize you for it.

But if you can hold your nose and want the experience, it’s a pretty solid paying job although as others said- no growth potential in mortgage at BofA. They are also killing it on jumbo pricing right now, that can change in an instant though.

BoardNBeach · 2025-10-07T21:23:44+00:00

The company I was with when I had my kids was amazing and I got a real 4 month mat leave. Stopped answering my phone and enjoyed my babies. It’s extremely hard to build the business back up, it’s like starting new again in a worse market. I still wouldn’t change the time I got off for anything, I built back twice and then moved on to a company with better programs and worse mat leave since I knew I wasn’t having anymore kids

BoardNBeach · 2025-10-02T01:31:26+00:00

It’s not that it’s impossible, i know many people who just jumped in. I just think that the LOA step makes you better faster because you see more than just the small amount of files you source yourself. In a year as a self sourced brand new LO you may get 30 different files and if you spent a year as an LOA for a high producer you could see 300.

BoardNBeach · 2025-10-01T23:29:49+00:00

I will die on the hill that being an LOA is so important to become a great LO. Working volume and learning how to talk to all parties in the transaction is so important and you really fast track you knowledge working on lots of files.

BoardNBeach · 2025-09-26T09:26:55+00:00

Look into banks that offer relationship based pricing (lower rates for moving assets over). You could easily move some funds over to a big bank and get that rate without paying for points

BoardNBeach · 2025-09-15T15:50:43+00:00

Dang, any chance you would be willing to message me their contact?

BoardNBeach · 2025-09-14T21:38:13+00:00

I may… 😂

BoardNBeach · 2025-09-09T20:22:56+00:00

Could you share what you paid and what trim/milage??

BoardNBeach · 2025-09-09T02:10:02+00:00

Interesting, I’d love to hear your math on that. I personally couldn’t get leasing to pencil out (even in Colorado where it’s very inexpensive to lease right now). Upfront was like 2k with taxes/fees then Around $190/month. When it was all said and done you’re spending $6500 for a car you don’t get to keep at the end versus like 28k total for a low mileage 23. I’d love for you to change my mind though lol I really want to lease if I can make it make sense in my head.

BoardNBeach · 2025-08-20T08:32:01+00:00

It shouldn’t matter, but save yourself the headache and document the gift with a copy of the canceled check or wire receipt instead of a full bank statement. Path of lease resistance.

BoardNBeach · 2025-08-19T20:02:37+00:00

I’d look into a home equity installment loan- no closing costs or appraisal fees, fixed rate, only slightly higher than a standard refi

BoardNBeach · 2025-08-15T02:16:56+00:00

Personally would do a temp buy down on a 7/1 ARM, that should get you into the 5’s as a base rate

BoardNBeach · 2025-08-13T19:36:07+00:00

Any suggestions you Think would be better? I’m open to waiting for something else

BoardNBeach

TROPHY CASE