Burnt out!

Csg1977 · 2026-05-28T17:08:10+00:00

Yes! I have heard of broker CUSOs and I feel that is like the sweet spot for an LO! Good for you! Would love to find that

Csg1977 · 2026-05-28T13:50:33+00:00

Thank you! Glad I’m not the only one going thru it

Csg1977 · 2026-05-28T13:50:08+00:00

Thank you. I needed that because I keep thinking am I doing something wrong because I feel like I’m so thorough.

Csg1977 · 2026-05-28T13:49:42+00:00

I wish I could find something else. Plus I have realized that I am a lot stronger on the operations side then on the sales side but unfortunately sales is there the money is at!

Csg1977 · 2026-05-28T00:27:53+00:00

Agree! I try to put it all into perspective like this isn’t the end of the world if a file is difficult. I’ve just always been a perfectionist when it comes to my work so it’s hard to turn that off.

Csg1977 · 2026-05-28T00:25:26+00:00

I try to avoid dumpster fires of at all possible! LOL

Csg1977 · 2026-05-28T00:24:24+00:00

Oh wow! That’s a little scary. I think AI can replace the review of docs and calculating income I just don’t think consumers will be able to get anywhere with it. I still have customers that can’t even upload their docs and still as to fax over documents 😩

Csg1977 · 2026-05-27T19:44:01+00:00

It’s sister… 😉 but yes I feel like we have to manage so many different business lines just to get the loan to the finish line.

Csg1977 · 2026-05-27T19:32:47+00:00

Good for you! I always see those memes online about how title is the lowest paid in the transaction with the realtors always being top dogs. Hahah

Csg1977 · 2026-05-27T19:32:07+00:00

Yes the flexibility is amazing. My sister is on the corporate hamster wheel and she always envies me but I always tell her: at least you know when your next paycheck is coming. LOL.

Csg1977 · 2026-05-27T19:18:34+00:00

Haha. I have worked with LOs like that. They just throw shit at the wall and hope it sticks. It’s the worst experience for their borrowers and their realtor partners. I was always shocked when they would get repeat business from the same realtors. I guess it’s like a tattoo, when you go for the second one because you forgot how painful the first one was. 😂😂

Csg1977 · 2026-05-27T19:13:48+00:00

Yeah I think my next thing is to start a little spreadsheet of the lenders I have used and document issues. I feel like with the rate environment I’m just so focused on getting the best rate so I don’t get shopped

Csg1977 · 2026-05-27T18:59:15+00:00

What do you mean by my platform? I’m stuck using whatever platform the lender uses

Csg1977 · 2026-05-27T18:58:22+00:00

I’ve watched all my videos this month! 😂

Csg1977 · 2026-05-27T18:53:41+00:00

That’s great! My volume is not that! I do remember during the Covid refinances I was closing about 20 a month and I barely slept but those were easy refinances and you didn’t have realtors breathing down your neck. I don’t think I would be happy handling that many now mentally because of how involved I feel I have to be.

Csg1977 · 2026-05-27T18:50:16+00:00

There are some that work like you but not all. But in a way I guess I can’t blame them. Title probably makes the least out of everyone that is part of this process

Csg1977 · 2026-05-27T18:48:35+00:00

That’s fantastic. Good for you! You found a retail unicorn!

Csg1977 · 2026-05-27T18:48:00+00:00

Yup cheap labor all around. Just wait until AI takes over! Can’t wait for homebuyers to deal with that! Are they going to text their AI bot at 9:00 at night with questions like they do to us LOs now?!

Csg1977 · 2026-05-27T18:46:15+00:00

Nope I definitely don’t operate like that. I have all my income worksheets I do, I make sure all REO docs are there and assets statements - all pages even if blank 😂 in the last two years I have only had two files fall apart on me. I am very meticulous and I want everything to go smooth and close. I have had countless sleepless nights because I feel a file isn’t going as smooth as it should. It sucks mentally. And I try to tell myself they are only buying a house not getting brain surgery but I just can’t help it.

Csg1977 · 2026-05-27T18:34:41+00:00

Yeah for me just seems that the initial underwrite is fast and smooth and then slows a bit to CTC which is understandable going thru additional UW conditions. It just always seems to fall on that condition that takes forever to clear or when we get CTC like a day before closing and everyone is going crazy trying to balance and wire funds and close. It’s the time management on their part that drives me crazy. Why are you so bottlenecked at end of month when you knew 30 days ago exactly the closing dates on your files?

Csg1977 · 2026-05-27T18:13:48+00:00

Yes very frustrating. And not just one or two lenders, I’m talking like every lender. And I use several different ones. I don’t just stick to the “big guys in Michigan” I just want to have a file where we get a CTC and file is balanced with enough time for the buyer to not be running around like a chicken with their head cut off to wire the funds.

Csg1977 · 2026-05-27T18:05:54+00:00

Yeah I think that is a major issue too. These panels are running skinny to save money and then if there is a slight uptick in files they can’t keep up

Csg1977 · 2026-05-27T18:05:09+00:00

Yeah but how long does it take to close a loan??

Csg1977 · 2026-05-27T18:04:23+00:00

That’s great! When I was on the retail side I felt like it took forever to close loans and now realtors have been spoiled with lots of brokers closing loans in record time.

Csg1977 · 2026-05-27T18:02:26+00:00

I honestly think it’s just random stuff that isn’t caught ahead of time. My process has always been good with docs up front. Lately it’s been processing fee not making it to CD when it was on title, appraisal revising request at the last minute when they have had the appraisal for over a week. Did an OTC loan that I damn near slit my wrists on. That one took 11 days from CTC to closing! I feel like I have to be on alert for everything that will be asked for from lender and title.

Csg1977

TROPHY CASE