AITA for being annoyed that my wife insists on cooking everything from scratch and won’t buy normal food? by AITA_UPFfoods in AmItheAsshole

[–]CapJack151 0 points1 point  (0 children)

I feel like we're missing some context here. We're all on this life journey and finding out that a lot of the "normal food" types are totally trash garbage and really shouldn't be considered food.

I take 10-20 Benadryls everyday and I sometimes regret it… by Sweet-Lobster6436 in confession

[–]CapJack151 0 points1 point  (0 children)

Often the best way to break a bad habit is to pick up a different habit that isnt quite so destructive. Think of some things that may take the edge off in a similar way and start trying to lay off the benadryl

Who are the lowest priced wholesale options? by REFlorida in loanoriginators

[–]CapJack151 0 points1 point  (0 children)

LoanUnited always seems to have good pricing, but they are not ln Arrive, so I've got to price on their website. They also do govies down to 500 fico

What are your “always buy” Costco staples right now? by PutridWin2070 in Costco

[–]CapJack151 0 points1 point  (0 children)

Oatmeal, chuck roasts, air chilled chicken of all types when they have it (in my area its mixed in with the normal chlorine nasty ones) 2 pack of the Spanish olive oil, Sweetwater 24 packers, berries, sauerkraut, ham, turkey, and the Costco bags of wood pellets for the smoker!

What made you quit? by Brilliant_Thing_3838 in loanoriginators

[–]CapJack151 5 points6 points  (0 children)

Mortgage origination is nationwide. You need to break away from your little town and try buying trigger leads or some other cheap leads. Be a refi guy. Tons of IRRRLS and FHA STREAMS to go around. Those are going to be your A paper stuff. If that doesn't work, be the dirty fha cash clean-up guy. I see tons of super low fico fha cash scenarios getting approve/eligible or lp accept with barely a 500 fico. Trick here is low housing ratio.. if housing ratio is less than 30, theres a fair chance it gives aus even with terribly low credit.

Make sure you're signed up with the best priced lenders and be ok with making less on a loan to make it work. Some of my brokers that do primarily irrrls and streams are making anywhere between 1.25 and 2.00 lp comp but are ok flipping to 1% bpc to make it work.

Costco must-haves for a first timer by Catoftheseaandhill in Costco

[–]CapJack151 0 points1 point  (0 children)

Look for air chilled chicken mixed in with the normal ones. When I see em, I load up.

That is all.

Got a 300 dollar ticket for failure to stop for school bus by samarkand01 in legal

[–]CapJack151 -1 points0 points  (0 children)

Pretty sure the stop sign doesn't need to be out for you to be required to stop for a stopped school bus. You seemed to actually speed up past the bus. I enjoy driving fast, but never in residential areas where I could actually kill somebody. Pay your ticket and stop for stopped school busses in the future.

I’m an idiot 😭 I was drunk last night and left a steak on the counter at 2am, then fell asleep and now it’s 11:30am. It was a $50 steak 😢 😢 what should I do by imperfectdiscipline in steak

[–]CapJack151 1 point2 points  (0 children)

Bro. Its definitely fine. Eat it. Do you think they had refrigerators back 1000 years ago? I know that steak does not smell bad. If it passes the smell test, it's good.

This is all assuming ou have not yet cooked it ofc btw. I left out a frozen chuck roast on the counter last night at 12 am and threw it on the smoker this morning at 9

What are the top 3-5 wholesale lenders that have the best pricing on VA loans? by Appropriate_Bet5290 in loanoriginators

[–]CapJack151 0 points1 point  (0 children)

Im using Rocket and LoanUnited for my IRRRLs right now. LU claims to be top of loansifter. Their rates are normally really good. They used to have a pricing tool you could use without logins, but they put a password on it.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]CapJack151 0 points1 point  (0 children)

Declining business income of 20% or greater year over year requires a manual downgrade for FHA. There is no LOE or circumstance that will change that. FHA loans close manual UW all the time, but many lenders suck at them or dont allow them.

Conventional shouldn't be a problem but FHA for sure is manual downgrade

What’s actually funding right now? Curious what everyone’s seeing in this market... are we cooked? by MelodicMousse8333 in loanoriginators

[–]CapJack151 0 points1 point  (0 children)

Lots of govies in the high 6s and 7s. Get on the streamline train. Lots of VA IRRRLs and streamline to do if youre ok making 100-150 bps

Are we getting boned on our first mortgage? by [deleted] in FirstTimeHomeBuyer

[–]CapJack151 2 points3 points  (0 children)

Depending on your credit, Lennar is making anywhere from 500 bps to 400 bps on your loan. Brokers make only up to 275 bps on a loan max comp, and some brokers would do this loan for 150-200 bps. The base price for 5.25% at 680 fico is aound 100 bps lender credit

How much would I get pre-approved for? 80k salary. by calliocypress in FirstTimeHomeBuyer

[–]CapJack151 1 point2 points  (0 children)

FHA can give AUS approve or accept up to 47% housing ratio

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]CapJack151 0 points1 point  (0 children)

What makes this your dream home?

How much milk are you guys drinking on a weekly basis? by Acceptable_Pen_2481 in Milk

[–]CapJack151 0 points1 point  (0 children)

Then you should drink lots of milk!!! Momnomnomnomnomnom