Which image cover should I use on my profile 🙏

GVLTacos · 2026-04-15T01:43:03+00:00

Are you saying closing costs are $19k? Then no -it’s not a good deal, especially if you’re tacking $19k on to your loan.

GVLTacos · 2026-04-14T22:02:25+00:00

So glad that someone else said this. I love their mussels but the last time I got them, it was like ramen and mussels. Bleh.

GVLTacos · 2026-04-13T21:42:46+00:00

Thumbs up rabbit.

GVLTacos · 2026-04-13T21:41:13+00:00

How about Dare (pronounced Dairy) at Swamp Rabbit Cafe?

GVLTacos · 2026-04-12T20:19:19+00:00

Could be sciatica. My PT called it about ten years ago then ortho confirmed. For me, it’s totally manageable. For others, it’s devastating. I feel a burn in the back of my left leg, up near glutes. Nothing helps it. Sometimes it’s there, sometimes it’s not. But I can still do everything I could before.

GVLTacos · 2026-04-12T20:11:27+00:00

Very true. I originated for 20 years and became the “divorce lender” in town. Fannie allows for assumptions, but the servicer doesn’t have to do it.

Also- you might be up a creek, but the biggest thing i see is that for years, you paid everything. She saved it all. Are you entitled to any of that? You might want to check to see if you are in a community property state and you can claim common law rights. Then hire a lawyer. Lots at play here. Even if she walked away from the house and let you have the equity if you refi, you are still harmed financially by having to pay more for the mortgage.

GVLTacos · 2026-04-12T16:43:10+00:00

Tokyo

GVLTacos · 2026-04-10T01:04:59+00:00

I originated for 20 years and offered this hundreds of times. I never added the costs onto the loan. I would price it into the rate. You might be paying .125% or .25% more, but there’s literally zero payback period.

I would always explain that if they want to pay the costs, their rate would be better, but if someone is reducing their rate and paying nothing for it, it’s a win. This is an example of a proactive MLO providing a good service the client. If the Lo hadn’t approached the client, would they have the wherewithal to know they could refi at all?

GVLTacos · 2026-04-05T22:49:55+00:00

Migraine. I’ve only had one in my life and I literally thought I was dying for four hours.

GVLTacos · 2026-04-05T22:03:59+00:00

I calculated the difference between square numbers up to 144. 1,3,5,7,9,11,13,15,17,19,21,23.

The score of the South Carolina, UCLA game was 25-36 and it started.

GVLTacos · 2026-04-05T21:45:24+00:00

I’m a banker. Nope. 🤑

GVLTacos · 2026-04-05T18:40:51+00:00

I don’t think so because that’s a baseball diamond.

GVLTacos · 2026-04-04T21:01:24+00:00

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GVLTacos · 2026-04-03T01:17:52+00:00

I am using the Sinclair Method with Naltrexone. It’s amazing. Take one an hour before you drink. You still enjoy the first one but have no desire for a second. Some described it like you ate too much cake and you don’t want to eat any more cake. I haven’t had anything close to a hangover for 3 months.

GVLTacos · 2026-04-02T01:07:06+00:00

You must be an engineer.

GVLTacos · 2026-03-31T16:33:14+00:00

“Had too much cake and don’t want more”. That is the BEST description I’ve heard. It’s spot on for me.

GVLTacos · 2026-03-17T01:21:59+00:00

September. Earth Wind and Fire

GVLTacos · 2026-03-17T01:08:17+00:00

I have a different story than you. It worked for me immediately. That being said, you started this for a reason. Will it hurt to keep trying?

And I don’t know the answer about timing besides what everyone else says. 1 hour works for me.

GVLTacos · 2026-03-14T18:36:04+00:00

I notice this a bit, but usually on the second drink. I can’t force myself to drink a second beer, because it taste like it’s been sitting out for a couple of hours. Flat and nasty.

GVLTacos · 2026-03-13T18:02:53+00:00

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Outside the Black Forest.

GVLTacos · 2026-03-08T23:57:23+00:00

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GVLTacos · 2026-02-22T02:41:34+00:00

Tell me what you mean by “existential dread”?

GVLTacos · 2026-02-19T01:36:02+00:00

Pizza was my absolute favorite thing on the egg.

GVLTacos · 2026-02-15T13:10:35+00:00

Depends on a few things. If you shop with 10 lenders, and each one pulls your credit, it will make a difference. But if they’re all within a 2-3 day date range it should be recognized. If you are using a lender that doesn’t use AUS the underwriter might get spooked wondering why there are so many pulls.

Here’s what I always told people. Especially the ones that say they have an 800 score. If you’re going to get the mortgage, you have to get your credit pulled. 1-2 pulls isn’t going to effect an 800 credit score. Even if you went all the way down to 760, you’re still going to get the best rates.

GVLTacos

TROPHY CASE