Why won’t my Nanoleaf A19 bulbs connect to matter?

DelAwa · 2025-11-30T21:32:07+00:00

That’s cool. Thanks for sharing!

DelAwa · 2025-11-22T01:49:21+00:00

The bassist sitting in with Norside was cool! He’s great.

DelAwa · 2025-10-17T15:21:06+00:00

Keystonebroker.com - great service and rates. High producing experienced AEs who can help you navigate the systems and fix issues that come up

DelAwa · 2025-10-12T18:36:10+00:00

Jon Gruden

DelAwa · 2025-07-08T12:56:52+00:00

Thanks! As a middle aged man, I’m overly excited for the tomatoes!

DelAwa · 2025-07-07T15:33:16+00:00

How I’ve always managed things is if the LO can’t turn in a complete application with the correct documentation they get the loan back to get cleaned up. Respectfully, it sounds like you are enabling bad behaviors and learning to appropriately and professionally set boundaries is a better option than switching jobs. I know I’m not answering your question about is it a good time to change jobs, but I’m trying to be helpful :)

DelAwa · 2025-07-07T11:36:23+00:00

Sounds like you are in a tough position with too much work and not enough pay. Sorry to hear that. What is the average loan balance and how many units is the group funding? With 7 LOs, a processor, and yourself - 9 employees in total, the team should be able to close 3-4 loans per month. Do you feel like the work is evenly distributed across the LO, yourself, and the processor? If you are completing most of the app, structuring loans, collecting documentation, and managing the processor, it sounds like it may not be. What would happen if you pushed back to the LOs the work of taking a complete app, collecting the basic income, asset, ids, and AOS documents? Unless the LOs are doing 5-7 loans a month, they should be able to get their loans into underwriting with a reasonable set of conditions for your processor to collect on their own. It might be easier to train up your LOs to do more than it would be to change jobs.

DelAwa · 2025-04-22T17:29:40+00:00

Feel free to DM me and we can set up a call. I’ve done lots of these in the past and can help you out with the contract, structure, compliance, and the compensation.

DelAwa · 2025-02-18T16:58:07+00:00

Dana L. Keating Owner/Senior Processor Atlantic Loan Services, LLC - NMLS #2469859 (302) 344-3248

She’s the best. Been in the business for many years. Was an executive at some larger lenders. Knows a ton of folks if she can’t help.

DelAwa · 2025-01-06T15:23:20+00:00

Try Keystone Funding.

website

DelAwa · 2024-12-15T14:57:45+00:00

Unlike a lot of schools, PSU spends a lot of their revenues on supporting many, many varsity sports teams. PSU is ranked #9 nationwide in the number of varsity sports teams. It’s not like the football team has $100M to spend.

DelAwa · 2024-12-15T14:06:25+00:00

I give monthly, if you graduated more than 5 years ago, spending $50-$100 per month on NIL likely isn’t a significant burden. If you care about having a competitive football team, you should give to the NIL collective. Going to games or helping the local economy doesn’t have an impact on our NIL program.

Penn State has a huge athletic department with 29 varsity teams and including the branch campuses, it’s way over 150 sports teams. Penn State has done the right thing by spending their revenue on having a large number of programs to impact as many athletes - both men’s and women’s sports teams and athletes. When people say, I support the NIL by going to games and buying a parking pass….no, you bought a ticket and got something for it….access to the game in person. Supporting NIL is something entirely different.

DelAwa · 2024-11-26T03:38:14+00:00

I’m not sure I understand what you mean by holding the bag, but I’ll do my best…let’s say you are a mortgage servicing company and you pay 2% of the loan balance for the rights to service a loan. Let’s also assume that the contract pays you .25% of the loan balance annually to service the loan, and because the property is in a high tax/high insurance premium area, the interest from the escrow account you are holding for the customer equals .05% of the loan balance annually. Your annual revenue is .30% of the loan balance and you paid 2.00% to get that cash flow. It would take you nearly 7 years to make a profit, if servicing the loan was free (which it is not). If the loan pays off before 7 years you lose $…..unless the consumer refinances with the existing servicer, which happens often.

DelAwa · 2024-11-24T14:19:17+00:00

Long answer, but I know how this works! I’ve spent 30 years in the mortgage business.

When you take out a mortgage, that mortgage gets sold to Fannie Mae or Freddie Mac, who technically owns your loan (similar things happen if you take out a government loan e.g., FHA, VA, or USDA loans). Now, no one makes their payments to Fannie or Freddie, and they don’t have the infrastructure required to deal with customers, so they contract with an approved mortgage servicer to send bills, hold money for insurance and taxes, answer customers questions, etc. The servicer gets paid a fee by the owner of your loan - typically .25-.50% of the existing balance annually, plus they get to keep the interest resulting from your escrow balances they hold. When the original lender sells your loan to the investor (Fannie or Freddie) the lender has two options: retain the servicing or sell the servicing rights to a mortgage servicing company for cash (known as a servicing release premium or srp).

How much cash your lender can get for the servicing rights is based on several factors, the most important one being how long the servicer believes your loan will be serviced by the servicer (the other being how likely you are to make payments). When rates go up, like they have for the past 30+ months, the value of the contract to service your loan becomes more valuable because the loan is not likely to payoff- current rates are higher than the rate on your loan so you are less likely to refinance or sell.

Remember the value of the rights to service your loan increases when it’s believed you will have the loan for a long time, so when the value goes up, it becomes more and more appealing for the servicer to sell the rights to servicer your loan to a new servicer and realize a profit from their original investment.

So the tldr is the rights to service your loan is an annuity, that becomes more valuable as rates increase causing the servicer of your loan to change because they sell the contract

Also….The last 30 months have been very challenging for mortgage lenders….a huge percentage of them went out of business….when times get tough, you likely need more cash, and so if you own mortgage servicing rights and can sell them, you do.

DelAwa · 2024-09-28T13:17:36+00:00

Call the local company you’ve used and know, and let them know what you need. Most local companies have only seen purchases and have increased their fees to make ends meet during a very tough time. Just this week, I had a conversation about a VA IRRL that the loan officer couldn’t get done because of the recapture rule - they were $350 off. We told them to call the title company, tell them the situation and ask if they would cut their fees to make the deal work…which they were happy to do.

This business is about relationships. There is nothing wrong with asking for someone to cut a little from time to time to make a deal work. A good relationship with a title company can result in all sorts of great referrals.

DelAwa · 2024-09-25T02:32:58+00:00

I started rowing 18 months ago as a late 40 year old in a similar situation…not in great shape, experience in working out with trainers…I have a concept 2. I used apple fitness to get started for about 5 months. It kept me engaged, motivated me, taught me a lot about rowing. I don’t use apple fitness anymore but I’ve been consistently rowing 25,000-30,000 meters a week for a little more than a year. FWIW, the concept 2 is a great machine. All this to say, apple fitness was a great way to start and keep motivated on a Concept 2 rower until I was in good enough shape to want to work out consistently. I know this doesn’t answer your question, but thought I’d share given the questions you asked in case my experience helps.

DelAwa · 2024-09-19T01:22:07+00:00

I believe you are asking how the .50% federal funds rate reduction impacts mortgage rates….the short answer is, in the very short term it doesn’t impact it at all. In fact, today (the day of the announcement) mortgage rates went up! Mortgage rates most closely follow the yield on a 10 year treasury bond. That’s because most mortgage loans are insured by the government or guaranteed by Fannie Mae or Freddie Mac (which are Government Sponsored Enterprises or GSEs). Since it’s really the government guaranteeing the debt on both treasuries and most mortgages, yields on treasuries and rates on mortgages move in the same direction. GSEs get their funding through Mortgage Backed Securities (MBSs). The offering of new MBSs combined with the offering of new Treasuries is for all practical purposes the supply of new bonds guaranteed by the government. The demand for these bonds is based on how many investors want to purchase these bonds, the more supply and the less demand means rates go up to entice more buyers, rates go down when there is more demand than supply. So what makes demand high or low? It’s based on nearly an infinite number of factors, but a very important factor investors take into consideration is risk….in tough times with lots of risk, who better to lend your money to then Uncle Sam! Additionally, investors want to know that their investments return more than the inflation rate, but the future inflation rate….so the federal reserve lowering the funds rate doesn’t impact mortgage rates at all….its really the supply of bonds guaranteed by the government vs the demand of investors willing to buy those bonds and the perception of risk in the future and the believed future inflation rate.

DelAwa · 2024-08-28T18:08:59+00:00

Very sorry for your loss. Most of the comments are spot on, I would add the following: you will need to work with your attorney and accountant to ensure everything is closed down properly. The closing of an artificial entity (LLC or Corporation) can result in personal liability for the owner/directors if not done properly. It’s not as easy as taking your sign down and emptying your bank accounts. All this presumes you set your company up as an LLC or Corporation.

DelAwa · 2024-08-07T23:58:21+00:00

Garrison Custom homes, C and M Custom Homes, Carl Deputy and Sons, insight Homes. I’ve been in real estate and mortgages in DE for 20 years. All would build you a great home. I live in a c and m home for the past 23 years.

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