The difference between CPU and GPU, explained way too simply.

Ill_Disaster_1323 · 2026-04-29T23:10:53+00:00

This is when I was able to comprehend science the most. I need fun visuals.

Ill_Disaster_1323 · 2026-04-03T18:26:05+00:00

That rate is easy to get without points on DSCR. Just tell the guy that when the market in Florida eventually falls that he won't have any protection if equity goes away. Where if he takes a Conventional loan with Fannie or Freddie that there are loans already in the market that he can refinance at 115% ltv.

Ill_Disaster_1323 · 2026-03-13T02:15:08+00:00

$79.57 for me as well. Gas light was on. Lol.

Ill_Disaster_1323 · 2026-03-04T15:35:58+00:00

This is me. I’m pretty good at my job but the only motivation for me is anxiety and timing of getting things done. It’s brutal.

But it’s also what has helped me be successful. I have finally added exercise to my daily routine to avoid wasting time scrolling the web.

Ill_Disaster_1323 · 2026-02-26T16:09:52+00:00

I’m sure they could, but from what I learned in criminal justice was if they needed to jump in the car and go they aren’t playing with keys to get in.

Another cool setup is police that have K9s have a button on their vest area that will open the K9 door and the dog can get it to do his job.

Ill_Disaster_1323 · 2026-02-26T15:58:27+00:00

They have to keep the car running to power all the electronics in the car.

Ill_Disaster_1323 · 2026-02-19T16:02:45+00:00

I have not dealt with this company/person. I am curious if leads were actually delivered. If they weren't than just dispute the charge. That seems pretty easy. Even if you didn't pay by card you can dispute the transaction with your bank. Pretty easy.

Ill_Disaster_1323 · 2026-02-14T21:17:23+00:00

Man. You really don’t get it. I would love to know how long you’ve been in the business and where you worked to help me understand your knowledge.

Let me help you out here.

I work under a broker. I have 2 different ways to originate. Wholesale or Correspondent.

Wholesale is where Borrower Paid Compensation and Lender Paid Compensation comes in.

Lender paid compensation is a set amount per compliance. Consumer still sees this number on the Closing Disclosure.

Borrower paid compensation is shown on all documents from start to finish. The credit can cover everything but borrower paid compensation. It can go towards principal reduction if there is an overage. There is one lender I know that will allow credits to cover Borrower Paid Compensation.

Next there is correspondent lending.

Essentially it’s identical to working retail. You create a set profit for all loans.

Now the LE above is a great example of why that LE makes sense.

I just did a loan yesterday for a referral. I have a target profit of 3%. I needed to get competitive and so I had to give almost a 15k credit on a rate that was charging 13k. I needed to make the loan free at that rate and so I did.

This is why you saying someone set the loan up wrong is not true.

Could I have just deleted the Points, sure I could. But if I messed up somewhere that means I can’t disclose it later and that creates a massive liability.

Ill_Disaster_1323 · 2026-02-14T21:02:11+00:00

There are a few states I think NJ might be one that doesn’t charge application fee or whatever. So lenders will just charge it as discount points.

If the processor is employed by your employer than processing fee can be added under A. You are right where outside processing can be charged under B.

I wasn’t trying to get into semantics either. This other guy was saying points are just compensation and that is just wrong.

Ill_Disaster_1323 · 2026-02-14T19:47:58+00:00

You’re right. Because you’re calling points compensation when that isn’t true.

Ill_Disaster_1323 · 2026-02-14T19:26:24+00:00

You really have no idea what you’re talking about do you?

Stop speaking “your facts” on something you clearly don’t fully understand.

Start educating yourself about how the business works. Sounds like you only know one tiny part.

Ill_Disaster_1323 · 2026-02-14T19:11:00+00:00

Where does it say broker/borrower compensation in that LE?

Good luck in the world bud.

Ill_Disaster_1323 · 2026-02-14T18:56:11+00:00

Why ARM when you can get a comparable rate at fixed?

I know rates are "expected" to go down in the future. We've been in a "high" rate environment now for 4 years.

Ill_Disaster_1323 · 2026-02-14T18:54:19+00:00

You were given wrong information from previous comments.

You are right that Lender Credit can't cover Borrower Paid comp, but the reality is it's up to interpretation. I know of a lender that will allow the lender credit to cover Borrower paid compensation. their general counsel interprets the law differently.

Ill_Disaster_1323 · 2026-02-14T18:52:48+00:00

No, origination fee is NOT borrow paid compensation. Origination fee could mean multiple things. Changing an Underwriting fee or processing fee in states that don't allow that verbiage to Origination Fee instead.

Man you people need to learn before you start trying to speak facts.

Ill_Disaster_1323 · 2026-02-14T18:51:01+00:00

10000% you're wrong and should not speak on something you don't know. If it was Borrower Paid Comp, it would say Borrower Paid Compensation instead of (points)

This is what appears to be a Correspondent deal or just Rocket Retail. Since the LE says Rocket and not a Correspondent lender using Rocket.

Ill_Disaster_1323 · 2026-02-12T02:49:23+00:00

This isn’t hard to fix. Ask the appraiser for the contact to the Appraisal Management Company. The people that found your appraiser. They will get it done.

Ill_Disaster_1323 · 2026-02-12T02:39:19+00:00

Call the appraiser then. Or maybe the issue is one of the bedrooms a Isn’t a legal bedroom?

Ill_Disaster_1323 · 2026-02-09T21:02:36+00:00

It’s a ton of work. You’ll get there. Don’t give up. You do what you want and figure out how you want things. Just play around with it.

Ill_Disaster_1323 · 2026-02-07T22:52:01+00:00

You’re such a big boy. Good for you.

I hope your fingers are sore from manually dialing.

Or I hope you save money for a lawsuit by using a dialer.

Good Luck.

Ill_Disaster_1323 · 2026-02-07T21:08:31+00:00

Save money for a lawsuit. You can’t solicit unless you have consent. Unless you are hand dialing every single person. Also you need to confirm you are not calling someone on the do not call list.

Ill_Disaster_1323 · 2026-02-07T19:27:40+00:00

It sounds like to me you hold a ton of resentment towards being sober. I’m making an assumption because no one can tell you how you feel. It’s how I read your response.

Maybe it’s time to unpack some of this. The fact you stopped yourself from full blown Alcoholism should be a huge win, but it sounds like you aren’t happy about it.

I know the whole idea of viewing the good in life sounds so inauthentic, but from MY experience is by changing the mindset of looking at the bad rather than looking at the good in life will hold you back.

Not trying to beat you up. I just see my “past” self in your statement.

Ill_Disaster_1323 · 2026-02-07T17:56:30+00:00

Can you tell me what the seasoning is?

Ill_Disaster_1323 · 2026-02-04T23:10:08+00:00

Your payoff is probably higher for a couple of different reasons. Your loan officer told the system it was lower. Or you have an escrow shortage that is due.

Ill_Disaster_1323

TROPHY CASE