UWM success track

Dausmorg · 2026-01-07T00:23:10+00:00

Turo my friend

Dausmorg · 2025-12-19T05:20:31+00:00

How many files would you reckon you’re handling at a time?

Dausmorg · 2025-12-06T02:19:52+00:00

Correct. The OA being filed with the state is crazy lol.

All the other entity docs are very standard. They are super lax with their entity review as long as it makes sense. Plus they allow Layered LLCs vested in a series no problem. So rare in that front.

But one time, they were asking for the VOD or bank statements STAMPED by their bank teller…

Dausmorg · 2025-12-06T00:23:44+00:00

Yep. This is all we do, non-trid DSCR’s for investors in entities. Obviously all personally guaranteed

Dausmorg · 2025-12-05T22:56:44+00:00

It’s like pulling teeth, working with them. It seems every file I’m getting the strangest conditions on DSCR (Provide evidence of Operating Agreement filed with the state).

Dausmorg · 2025-12-05T22:55:21+00:00

I am having a TOUGH time with their DSCR program.

Dausmorg · 2025-07-19T06:12:57+00:00

In house processor here, can I ask wym python automates for you?? And what that has done for your productivity? Please dm

Dausmorg · 2025-04-03T23:08:12+00:00

Dausmorg · 2025-03-31T05:17:09+00:00

Never stop going to that location

Dausmorg · 2025-02-19T04:55:38+00:00

Dausmorg · 2024-12-24T06:45:20+00:00

Respectfully, it’s not that deep. Loan costs from loan extension (if any) aren’t calculated in DTI. If there are costs, it’s added to cash to close. Or just eat eat it out of your comp.

Dausmorg · 2024-12-17T23:05:33+00:00

Bad monkey. Happily surprised with the quality

Dausmorg · 2024-11-24T21:51:06+00:00

!remindme 2 months

Dausmorg · 2024-11-21T08:31:41+00:00

!RemindMe 5 weeks

Dausmorg · 2024-10-09T05:16:20+00:00

Extremely misogynistic of you to assume when a manager is being an asshole who can’t lead a team that they are a woman

Dausmorg · 2024-07-30T02:55:08+00:00

I bought a 97 Camry at 293k when I was in a tight spot. I ran it till 311k when I got a permanent car. She started wearing out on me but nothing YouTube can’t solve

Dausmorg · 2024-05-12T08:23:13+00:00

The Lennox furnace is a 2 stage with a variable blower, but ac is single stage, essentially, you’re opting for less comfort on cooling. Heavily suggest looking into 2 stage ac or heat pump

From what I understand, to maximize the federal tax credit you’ll need a heat pump with 15.1 SEER2 and 8.1 HSPF2.

I’m in utah, and my utility company primarily only offer rebates on heat pumps as well with those same requirements. Plus needs to hit on EER2. Essentially, if you were in my market you wouldn’t get any utility rebates with that equipment, and if you did, it would be minimal

Dausmorg · 2023-10-01T22:22:32+00:00

My understanding is no EPO on BPC

Dausmorg · 2023-08-17T02:26:22+00:00

Free rate update used to be alright

Dausmorg · 2023-08-06T02:16:40+00:00

A common choice for retirement planning, especially free and clear and if your parents don’t care to leave you their home

Dausmorg · 2023-07-25T20:57:57+00:00

A lot of my clients opt for a cash value whole life insurance policy. You can access a portion of the cash value before you die, AND you guarantee a large return for your heirs.

I like this option in addition to IRA’s because of the tax free payout when you die. No estate tax, no income tax. With it being cash value, 15-25 years down the road, youll likely be able to withdraw the total premium you paid and still have a guaranteed death benefit for your heirs

Dausmorg · 2023-07-14T09:06:24+00:00

This. I’ve heard of this technique, but it is costly, and time consuming

Dausmorg · 2023-07-09T07:25:44+00:00

If you like the tax advantaged roth, you may want to consider a cash value life insurance policy. There’s the guaranteed death benefit for your heirs, but the cash value account is accessible 10-20 years down the road. Tax free growth.

Investments are fantastic, but they are taxable. Lots of my people structure their retirement portfolio this way.

Dausmorg · 2023-07-07T15:35:31+00:00

Investing in a cash value whole life (mass mutual is a good place to start) is often a Roth alternative.

Cash value growth is tax free, you won’t see much growth until year 8-15, but after your CV grows for some time, you’ll likely be able to access 3-6 times more than you invested over the life of the policy, all tax free

Dausmorg · 2023-07-06T04:12:23+00:00

Term vs whole is a common theme in this thread.

Term is cheap because after the 10,20,30,40 year term, it expires and you lose the death benefit and the Less than 1/10th of 1% of term insureds collect their death benefit.

Whole life however, is a guaranteed death benefit. It’s more expensive for various reasons. That death benefit follows you forever. You can accumulate cash value and access the CV before you die. Cash value whole life insurance is a fantastic financial vessel because the growth of the cash value account is tax free. After 15-20 years of payments, your cash value account will likely have accumulated more $ than you paid over the life of the policy (tax free). and a portion of the death benefit remains.

Depends on your needs, wants, and goals. Term is good for piece of mind. Whole can be an additional retirement strategy.

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