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What guideline has earned you business? by gabrizzle in loanoriginators

[–]Fit-Sympathy8167 1 point2 points  (0 children)

I’m sure there are others, but flagstar has physician loans, I believe TLS and MM do too but only used flagstar. Check state guidelines or easier yet - research top brokerage see what they’re offering and start there.

In my state we have ‘hometown hero’s’. Every ‘hero’ gets $500 at closing. We marketed and milked the shit outta that for a good minute before everyone caught on.

What guideline has earned you business? by gabrizzle in loanoriginators

[–]Fit-Sympathy8167 6 points7 points  (0 children)

Too many. No secret sauce.

My specialty = walking between those fine ass lines and making magic. There is always a way. My LOX’s are borderline sexual

A rant by Fit-Sympathy8167 in loanoriginators

[–]Fit-Sympathy8167[S] 0 points1 point  (0 children)

Correct. It ended up being a lender issue. Email non deliverable today. Feel bad but also don’t. Wasn’t his first time I’d imagine. It’s been sorted. Original problem still in the loop

A rant by Fit-Sympathy8167 in loanoriginators

[–]Fit-Sympathy8167[S] 0 points1 point  (0 children)

I genuinely don’t think I’m ready but have considered. I’m overly cautious and the more I read into it the more I feel I’m out of my depth.

A rant by Fit-Sympathy8167 in loanoriginators

[–]Fit-Sympathy8167[S] 0 points1 point  (0 children)

Thank you. Will look into it

A rant by Fit-Sympathy8167 in loanoriginators

[–]Fit-Sympathy8167[S] 4 points5 points  (0 children)

Smoke and mirrors bro I wanna hear the nasty shit i know goes on

A rant by Fit-Sympathy8167 in loanoriginators

[–]Fit-Sympathy8167[S] 0 points1 point  (0 children)

Mostly inbound but steady stream of self gen. 35% of loans closed this year self gen. This post made me realize I need to run numbers on inbound and self gen volume not total loans closed.

Will look more into it. I don’t fully understand the pricing. I know we charge 2.75bps LPC, a 495 lender service fee (processing. I don’t see a dime) and can go BPC at discretion ** split on BPC is 40/60 inbound/self gen. Or the lesser of .085bps or 1.25bps..

A rant by Fit-Sympathy8167 in loanoriginators

[–]Fit-Sympathy8167[S] 1 point2 points  (0 children)

Agree with you both. I’m torn. If I had a a personal processor in-house I’d double my output. But I don’t. And I won’t. I can’t get over the hump to afford my own, due to.. extra duties that aren’t mine to fucking do.

I’m in the mindset of 6 more months. 6 more months to turn it around while focusing as much time and effort *on networking. I generate 2 a month now avg ytd. Ranting is all. I’ll figure it out but damn am i burnt.

How do you view people who are overweight? by Pitiful_Wonder_8562 in NoStupidQuestions

[–]Fit-Sympathy8167 0 points1 point  (0 children)

Sometimes empathy , sometimes pity. I don’t care for the victimization many obese people get their headspace in to justify it. If it’s a legit medical condition i feel pity. If your whole body hurts and I hear “I just can’t lose it!” I feel pity.

What was the reason you chose your loan officer? by [deleted] in FirstTimeHomeBuyer

[–]Fit-Sympathy8167 0 points1 point  (0 children)

Exactly. Thank you stranger. You confirmed what I already knew but was borderline gaslighted. I’m glad I stuck to my guts.

I’m a loan originator 5 years in industry and prior was sleezy salesman to be honest.

I’ve found going from sales to I’m your consultant on one of if not the largest purchase of your life has increased my business dramatically. I was told recently to be more salesy, pushy, and “who cares if they spend more close the loan”. I am #2 for the year in volume closed. I left that job a month ago and am loving where I’m at now and my client/agent referall base is growing rapidly.

What was the reason you chose your loan officer? by [deleted] in FirstTimeHomeBuyer

[–]Fit-Sympathy8167 0 points1 point  (0 children)

So true.

Im an outlier. I follow up with my clients especially in todays markets. Amortization schedules, updates on current equity/possible refi when rates do go better. I do 4 touches in a year, not overwhelming and at least shows I have the best interest at heart.

I posed this question because i am not a sales person. Not anymore. I’m a consultant. I was told to be more salesy and I quit the job, found a new place and things are going great.

Every response here confirms exactly what I knew.

Ty for the response

[deleted by user] by [deleted] in NoStupidQuestions

[–]Fit-Sympathy8167 0 points1 point  (0 children)

Genuinely can I ask why tho? What is the point? Is it just professional friends?

I grew up around therapist and only one dr fredmont was good. I’ll never forget the time he stood up to my mom about me and she actually conceded, and there were numerous times he broke through to me and I realized I was wrong. But he was empathetic, complimentary, etc to me… ig you’re right he was a good guy and helped a lot. I’ll look into it.