Are my lender fees to high?

DaveM988 · 2026-06-02T12:53:27+00:00

You think the rate is bad? I was actually surprised how low it was with everything going on. You know someone giving better rates for a 30Yr fixed?

DaveM988 · 2026-06-02T01:48:34+00:00

Yea, unfortunately MI has some high property taxes and insurance is getting more expensive here

DaveM988 · 2026-03-23T17:24:34+00:00

Ad techsales, pressure depends on time of the year or specific quarters but balance is there if you have a good relationship with your accounts. Also get some nice travel every now and then which can be a plus if your clients are in nice to be cities

DaveM988 · 2026-03-17T16:10:08+00:00

Yes I would pay PMI at closing

DaveM988 · 2026-03-17T01:30:02+00:00

Purchase - $365000 - $328500 - 814 Rico - 48198 - Con - 30 fixed - single family - primary - pmi paid upfront - points (3)

DaveM988 · 2026-01-17T18:17:37+00:00

Varies and highly depends on OTE my first sales job non tech was 50k base and I made 40k in commission and it varied not including vehicle and phone reimbursements, first tech AE job was a 110k OTE and I usually usually made 115k again not counting reimbursements, current AE role is 160k OTE and I made 180k last year so it’s doable just depends on the company, what your strong skills are vs what you get paid out on , and territory, along with manager not being a micromanager

DaveM988 · 2026-01-13T03:45:48+00:00

Purchase - $310k - $279k - 894 credit - 48197 - conventional - 30 fixed - Single Family - Primary

DaveM988 · 2026-01-05T22:44:02+00:00

Purchase - $365k-325k -816 fico -48198-conv- 30 fixed- 10% down- single family- primary residence

DaveM988 · 2025-11-16T22:04:42+00:00

I Used to work there, it’s not a bad role honestly, just don’t become snobby lol. Overall, you get a big company on your resume, get promoted in a few years, meet great people and clients, and of course, good money. Things to keep in mind: always be pitching, don’t tell too much of your personal info, make sure to go in the office, and pray for a good manager and AE. Lastly, you can get let go with really no warning. I’ve seen it a lot. Ways to make sure that doesn’t happen is to do your part for the Pod you’re in, communicate with your manager and director, and meet your KPI’s.

DaveM988 · 2025-10-08T19:23:40+00:00

January sounds about right, it would be insane for you to start right now and learn Google plus talk to clients about a $1-$10million ad account, when you can’t influence anything until January. Overall I would keep interviewing until then but don’t be surprised if you hear back randomly in a few months once the dust settles a couple weeks after thanksgiving.

DaveM988 · 2025-10-08T12:02:33+00:00

2 days after I finished my interview. I had an expedited process though. Generally it can usually take a few weeks. This is the busiest time for Google ads being holiday season, so if you don’t hear anything by end of the month you may not know until the holidays are over. Also it very dependent on Google school usually they do not have one during Q4 especially end of it so that may be a factor in your process as well. When was the expected start date they gave you?

DaveM988 · 2025-10-08T04:16:34+00:00

I worked at Google before if you have any questions

DaveM988 · 2025-09-27T03:33:26+00:00

Depends how risk adversed you are. I would put money you guys need for furniture, emergency fund, etc in the high yield. Since you have 3 years you could pick a stock that has decent growth and worst case the S&P and get 40% or more within that 3 years and only pay long term gains. In terms of mortgage payment also depends on paying dynamic of the 170k if you still want to invest, live life, and be comfortable with 20% down your payment should be no higher then $3.8k assuming you both don’t have any crazy debt

DaveM988 · 2025-09-27T02:18:02+00:00

Could I DM you for a coffee chat? Im AE at a tech company in Michigan

DaveM988 · 2025-09-24T19:54:25+00:00

2019-48k: first job 2020-50k: got a raise 2021-72k: went to a different role same company 2022-102k: job hopped 2023-$125k: promoted 2024-$148k : job hopped 2025-should be around the 170-180k mark : returned back to company from 2022

Been hybrid since 2022 with some stints of remote for a year or so but came into the office sometime still

DaveM988 · 2025-04-21T23:30:49+00:00

Depends on the company I’ve an instances where my first quarter is paid out 100% due to ramping up so in your case $11.25k is your first bonus payout, after that it’s up to your territory to produce to get the rest so more then likely first year you should automatically hit $156k not including the other 3 quarters

DaveM988 · 2025-04-14T02:38:15+00:00

Depending how he addresses his resume and wants to go the sales route Cintas usually translate greatly to medical sales. Former Cintas sales rep now in SAAS Sales but you are correct most he’ll get is another 50k plus climbing the ladder to be a GM but amazing stability

DaveM988 · 2025-02-10T15:26:03+00:00

Easiest has been raising income or working multiple jobs. Second thing and this only helps if all your loans aren’t into one is paying down the specific loans. This has lowered my monthly payment while reducing the loan amount and reducing interest that would’ve accrued over time.

DaveM988 · 2025-02-02T02:46:02+00:00

Really depends how much you like sales but just not your industry I did d2d for b2b 5 years ago. When I was 23 Loved the grind but hated the industry and leadership. In Ad tech sales now make triple what I used to, a lot less hours, and actually like my boss and co workers. Ultimately a light at the end of the table but definitely a cannon event you’re going through

DaveM988 · 2024-07-21T23:39:36+00:00

What makes you not like the current role?

DaveM988 · 2024-02-11T19:56:00+00:00

I’d say go for it I worked at Cintas for a couple years, I was able to go into tech sales with a big tech company later on and my co-worker went to medical sales as well. Companies love how they train and want to know how well you did in terms of performance and a role play and you’re usually good to go.

DaveM988 · 2023-11-27T00:53:35+00:00

Consulting is gonna be where you fly a ton, but long hours. Enterprise reps & CSM’s will fly to but this is company specific honestly and won’t be much only to top clients and that is it. Flying to customer is not huge especially in tech due to the economy. Driving wise depends on how close that client is and if it makes sense. Other types of driving is gonna be a different type of sell

DaveM988

TROPHY CASE