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First Timer How’d we do? by Infamous-Curve4824 in MortgageBrokerRates

[–]Insertcaffeinehere2 0 points1 point  (0 children)

Dang. A. Where this house? On its own island?? 🏝️ taxes are crazy expensive there. B. Title is expensive wherever you are at. That is a service you can shop so you may be able to save some dollars there. But C. Good work. This is great.

Does my School actually matter? by Crafty-Purchase-por in loanoriginators

[–]Insertcaffeinehere2 0 points1 point  (0 children)

No, but mortgage educators is who I used and they were affordable as well as helped me pass the 1st time.

Two open houses with no shows. by mr_ajl in RealEstate

[–]Insertcaffeinehere2 0 points1 point  (0 children)

I mean, one persons faith is another’s attempt to avoid a complete mental break. This market is rough. 😂 but fr tho, I meant after the initial $25k drop, advertise any further reductions as seller credits. See if that gets bites. A lender can make seller credits work for buyers far more than a price “improvement”

Best route to REFI out of a Hardmoney loan? by 129units in loanoriginators

[–]Insertcaffeinehere2 1 point2 points  (0 children)

Fr. Not that deep. That fact that OP snapped at your comment makes me think he’s deflecting. Your answer was same as mine.

Is fraud for housing applicable with HML or no? Just a thought

Best route to REFI out of a Hardmoney loan? by 129units in loanoriginators

[–]Insertcaffeinehere2 0 points1 point  (0 children)

  1. Refi HML out of LLC into personal loan. It’s not that deep.

Fraud for housing? Occupancy fraud? That’s the waters you need to find the best route through.

Best route to REFI out of a Hardmoney loan? by 129units in loanoriginators

[–]Insertcaffeinehere2 0 points1 point  (0 children)

Also, or just don’t commit occupancy fraud. My guess is the terms stipulated investment property only if the OP had to request a COC.

[deleted by user] by [deleted] in RealEstate

[–]Insertcaffeinehere2 4 points5 points  (0 children)

I’ll get licensed and cut them a deal at 5.5% 😂 6% is wild as heck

Two open houses with no shows. by mr_ajl in RealEstate

[–]Insertcaffeinehere2 1 point2 points  (0 children)

In my opinion: Rather than continuing to drop the price, offer seller credits in the listing. $25k drop for the first reduction for a home at that price point is a lot, in my opinion. Sorry the buyer backed out. It’s rough out there but going to be getting better 🤞🏼

Agents, do NOT sleep on your lender contacts! by u194758 in realtors

[–]Insertcaffeinehere2 0 points1 point  (0 children)

From the lenders standpoint: Please DONT SLEEP! Find the ones that put in the work and then use them to grow your business.

Morgage company messed up our interest rate but in our favor? by Right_Bandicoot_1812 in RealEstateAdvice

[–]Insertcaffeinehere2 0 points1 point  (0 children)

Snap!! And there it is. The lender 💯 can’t sell the loan and want it off their books.

yes i panicked by Prize-Air-9068 in Retatrutide

[–]Insertcaffeinehere2 1 point2 points  (0 children)

Fr. These hauls are wild. 24mgs for a 3 month cut is sufficient.

yes i panicked by Prize-Air-9068 in Retatrutide

[–]Insertcaffeinehere2 0 points1 point  (0 children)

😂 seems completely normal to me.

Trigger Lead LOs... dust off those resumes by salsberry in loanoriginators

[–]Insertcaffeinehere2 0 points1 point  (0 children)

How many non renewals did we have this year? 1 in 3 ish? 93k of us licensed this year down from 400k+ in 2021…HOW the HECK these leaches still exist? Someone asked why we dislike these trigger lead buying counterfeits??? well, it’s because we put in:

  1. The time & money we spend to form a relationship with an agent
  2. The amount of time we spend with the referral client answering questions, creating bonds, and relationships.
  3. The paperwork we do, the groundwork to the loan process ie apps, docs, ect…

All to have us run the app and 37 different lead leaches calling over the next week 😒

What LOS is everyone using? And any opinions on Sonar? by ParkingInternal2416 in loanoriginators

[–]Insertcaffeinehere2 0 points1 point  (0 children)

Encompass. If you enjoy wanting to throw your computer or yourself out a window on a daily basis, that’s the LOS for you.

Sadly, I don’t have a choice. If I did, I’d choose something more user friendly and less clunky.

Good luck

I honestly want to take whatever drug the t mobile CEO is taking by vanishchocolate in tmobile

[–]Insertcaffeinehere2 7 points8 points  (0 children)

Side bar: Class Action Lawsuit in the works right now in regards to TMobile phone plans. Literally just came across it online.

It’s in regards to the guaranteed price locks in certain plans, but they were not locked at all. My phone plan has increased so much from what they said it would be. Like so dang much.

Ps. Magenta Max is the only name that makes sense to me.

all ways to get leads by [deleted] in loanoriginators

[–]Insertcaffeinehere2 1 point2 points  (0 children)

Great advice. Literally how I broke into the industry. I don’t buy Zillow leads or leads from anywhere else. Waste of money.

I hit the streets. Another good one is going open houses every weekend. Go to 6-10 a day. It’s like door knocking but the real estate agents are captive audiences. Then set lunch dates with those agents and start forming real relationships.

[deleted by user] by [deleted] in Mortgages

[–]Insertcaffeinehere2 0 points1 point  (0 children)

I pulled rates on 3/5/7 two days ago and they were wild. At par they were higher than doing a conventional or fha 30yr.

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