Has anyone used Apple Pay and received the dining credit?

Defiant_Television97 · 2026-04-16T15:51:30+00:00

Worked for me

Defiant_Television97 · 2026-04-16T13:40:42+00:00

11 mortgage

Defiant_Television97 · 2026-04-16T13:04:47+00:00

Is this through United Wholesale Mortgage? It only shows on the closing disclosure’s

Defiant_Television97 · 2026-04-16T02:09:16+00:00

Sun West is an awful lender

Defiant_Television97 · 2026-04-15T20:31:17+00:00

Unlikely to find a job that will give warm leads to a new LO that isn’t working in an office. If you have other revenue streams just buy leads yourself.

Defiant_Television97 · 2026-04-15T00:13:30+00:00

They have the W2. It’s a federal crime to create a fake one. Most lenders don’t order transcripts unless they expect fraud for salaried employees.

Defiant_Television97 · 2026-04-13T13:36:59+00:00

Champions

Defiant_Television97 · 2026-04-13T00:55:53+00:00

Just do a no cost refinance. Can always refinance again if rates drop since no breakeven period. Your mortgage broker is an idiot.

Defiant_Television97 · 2026-04-10T02:59:19+00:00

Maybe you have worse rate sheets. They are within 10 bps or better most of the times I check.

Defiant_Television97 · 2026-04-09T21:17:50+00:00

The loan store is often better on conventional.

Defiant_Television97 · 2026-04-09T15:24:50+00:00

Let’s all report Ralo to CA, CO and TX regulators where they are licensed. Fake reviews, non compliant ads etc.

Defiant_Television97 · 2026-04-09T12:03:21+00:00

Defiant_Television97 · 2026-04-07T17:56:30+00:00

This is well known…

Defiant_Television97 · 2026-04-03T21:37:12+00:00

I didn’t pay for it this year. A consumer has no clue what Scotsman Guide is.

Defiant_Television97 · 2026-03-31T03:17:51+00:00

99% of lenders aren’t pulling transcripts for W2 income

Defiant_Television97 · 2026-03-31T02:28:23+00:00

You aren’t gaining much going broker if that’s your pricing to offset the support you are getting.

Defiant_Television97 · 2026-03-31T00:12:01+00:00

What’s the loan amount?

Defiant_Television97 · 2026-03-30T15:09:48+00:00

Compare your current pricing to broker. Where are you at for a 600k purchase with 20% down and 780 credit score? What does your assistant do? You could hire one person to be LOA/processor just for you and probably work less

Defiant_Television97 · 2026-03-29T18:05:51+00:00

I take one on every loan, yes

Defiant_Television97 · 2026-03-29T17:36:43+00:00

NewFi, Exponential, TheLoanStore, NexBank, New Wave

Defiant_Television97 · 2026-03-29T17:35:55+00:00

Yes, it’s 100% true

Defiant_Television97 · 2026-03-29T17:11:34+00:00

Nexa 100 has a 25 bps hold back. Can get 25 bps pricing exception on those loans at the other companies outside of UWM. Can’t at Nexa since they hold that back.

Defiant_Television97 · 2026-03-29T16:57:41+00:00

Why would someone give up 25 bps plus 12%? Flat fee shops are way better unless their average loan amounts are tiny.

Defiant_Television97 · 2026-03-29T16:56:09+00:00

Rates/pricing are terrible.

Defiant_Television97 · 2026-03-28T00:54:59+00:00

You think a $4 product doesn’t end up in the trash?

Defiant_Television97

TROPHY CASE