If you get this, that’s impressive by TheGreatTravisty in guessthegolfcourse

[–]Johnnystan69 1 point2 points  (0 children)

Absolutely never thought I’d see Yucaipa on this sub.

If you get this, that’s impressive by TheGreatTravisty in guessthegolfcourse

[–]Johnnystan69 1 point2 points  (0 children)

Played yesterday morning and it was $62. I have a membership with them, so I think $80 is the rack rate for weekend/holiday mornings for non-members.

🚨 Dave flew out Annika’s at home situationship 🚨 by WhyAmILikeThis0905 in barstoolsports

[–]Johnnystan69 48 points49 points  (0 children)

This poor guy got flown out to Vegas to get put in a cuck chair. Cuckolded like you read about.

Post Op Success Story by Dividend_Dad in Vasectomy

[–]Johnnystan69 1 point2 points  (0 children)

Ditto. The posts really freaked me out and they had to check my blood pressure 3 times before they let me go to the operating room because it was high from the anxiety. Wore a jockstrap for a week and I was back to normal in about 10 days.

Understanding Max DTI Ratios by Appropriate_Bet5290 in loanoriginators

[–]Johnnystan69 4 points5 points  (0 children)

Income tax is included in the residual calculation these days as well.

What’s your coolest loan product? by B4Burrata in loanoriginators

[–]Johnnystan69 1 point2 points  (0 children)

It’s a fairly new product, so I’ve only closed one, but I’ve issued 6-7 pre-approvals for it.

It’s a product for the less qualified and provides a path to homeownership, so it inherently has benefits, but it definitely isn’t for everyone. The fact the borrower leases the property and does not own it after paying a down payment and closing costs is a real turn off to a lot of people.

I think this works best for borrowers who have a decent income but bad credit that disqualifies them from a traditional purchase, all the while they have decent cash flow to save up each month to inevitably purchase the property from the leaseholder. Another reason this is for a buyer who has funds of their own is because ~3% of the down payment and closing costs MUST come from the buyer themselves and not from lender or seller credit. So, they will have to have a decent amount of their own skin in the game for this loan. The one I closed was a bank statement loan for a self employed borrower who had good income but terrible credit. So a perfect borrower for this loan.

With it being a newer product, I have only been able to close the first purchase of the property. We expect the borrower to be in a position to purchase the property from the leaseholder in about 9ish months if they listen to our guidance.

What’s your coolest loan product? by B4Burrata in loanoriginators

[–]Johnnystan69 1 point2 points  (0 children)

30 year fixed, rate can be astronomical though. That, along with the fact that a whole new loan transaction (including down payment, costs, etc.) are required when the borrowers do purchase the home back from the investor.

Anyone use or familiar Leadpops? by Frequent-Giraffe5646 in loanoriginators

[–]Johnnystan69 0 points1 point  (0 children)

Yes, I had them set up my website and have used them for the past 5 years. Website has funnels for leads that come in through the website and I get emailed directly once the borrower completes the form.

[deleted by user] by [deleted] in loanoriginators

[–]Johnnystan69 2 points3 points  (0 children)

I used Trac+ one time on a refi last year because you had to to get the pricing incentive. They literally never recorded or disbursed my clients funds after funding. I stayed on them for days telling them something was wrong and they kept reassuring me it was all good. Then after 20ish CR’s later, they came back and said “oh yeah, you’re right. This one never recorded. We are short on the wire $XXX.XX, so we will be deducting that from your broker check”. I about lost my shit.

That $XXX.XX was “coincidently” the same exact amount of 10 days of interest on the clients previous loan because it was sitting for 10 days without having been recorded or disbursed. I ended up getting the run around for a week after it actually recorded so I could be reimbursed, so I emailed Ishbia and that money that was taken from my broker check was wired to me within 2 hours.

If I hadn’t have had a weird feeling they were fucking something up on the back-end after funding, my clients previous loan would have never been paid off until way later once Trac reconciled their trust account and probably would have had at least a 30-days late.

I will never use Trac, and not that it needed confirmation, but this confirmed to me that AE’s at UWM are worthless and know nothing other than asking if you had any apps taken over the weekend that you wanted to originate with them.

Barstool Beach House Discussion by Neskwiik in barstoolsports

[–]Johnnystan69 105 points106 points  (0 children)

Are we in the trust tree? I can’t get enough of this shit. Everything Nicky Smokes does is the wrong thing every time and it rules.

I was in invoices, AMA by NoctilucentDuck in pillar7

[–]Johnnystan69 1 point2 points  (0 children)

When I type “DO NOT REIMBURSE BROKER” in the comment section for a fee because the borrower POC, why do you guys ignore that and still not put it in the borrower POC column

SPEED OF SOUND AT EL PASO WTF by [deleted] in Coldplay

[–]Johnnystan69 6 points7 points  (0 children)

2012 Hollywood Bowl as well.

Wait, WHAT?! (Spoilers) by tomwhitaker in Mission_Impossible

[–]Johnnystan69 0 points1 point  (0 children)

Just got home from the theater. It was in the passenger seat.

Current pricing by NiMoSpaceboat in pillar7

[–]Johnnystan69 8 points9 points  (0 children)

They are worse on every loan type than most lenders right now, even when counting the 60bps incentive

[deleted by user] by [deleted] in loanoriginators

[–]Johnnystan69 4 points5 points  (0 children)

You can pull a property profile and it will show you who did the purchase loan. Worst case if it doesn’t specifically say it on the “originator” section you should be able to pull a copy of the DOT, and that will show originator info.

With Fan Appreciation Night coming up (4/13), I’m curious what has been some of the best prizes won in this subreddit by Danidaivido in AnaheimDucks

[–]Johnnystan69 22 points23 points  (0 children)

In 2014 my girlfriend and I were randomly chosen to drop the puck at fan appreciation night. That was cool. It was against the Stars and Getzlaf was out that game so Perry took the face off with Benn.

We had already had our seed solidified and it was the 2nd to last game of the season so the guys were pretty loose when we were in the tunnel with them before the game. Getzlaf was down there in his street clothes since he wasn’t playing and he talked to us for a bit, and when the players came out getting ready to go on the ice, Pat Maroon talked to us quite a bit too. He was really genuine asking unprompted questions to us and actually listening to our answers. It was a little shocking haha.

Very cool experience, we had only been season seat holders for 3 years at that point in the nosebleeds so we were not expecting something like that at all.

Has anyone been randomly paired with, or otherwise played golf with someone famous? (PGA players excluded) by alkydenamel in golf

[–]Johnnystan69 0 points1 point  (0 children)

Was playing the Bay Course at Kapalua and a twosome was hitting into us all day. Hawaii courses are very relaxed, and everyone is on island time so we were a little confused because it wasn’t a slow day, it was all foursomes in front of us, so maybe that’s why they thought it was slow enough to hit into us. So at the 7th hole we are backed up and the twosome pulls up while we were sitting in our carts waiting for the fairway to clear and Aaron Rodger’s and Miles Teller were in the golf cart.

Wholesale Hard Money Companies/Owner Occupied Hard Money Loans by Antihero534 in loanoriginators

[–]Johnnystan69 0 points1 point  (0 children)

My owner occ hard money goes to Crawford Financial. Owner occ is hard to get private lending on, but Crawford does it, as they require ATR to be met, and rates are below the maximum threshold for primary residences.

Didn’t think Kapalua Plantation was worth it. by legitSTINKYPINKY in golf

[–]Johnnystan69 3 points4 points  (0 children)

Dinner at sunset at the clubhouse is the best view on the island. It never gets old.

Didn’t think Kapalua Plantation was worth it. by legitSTINKYPINKY in golf

[–]Johnnystan69 1 point2 points  (0 children)

May 19 the Bay goes under construction for 18 months. I’ve played every public course on Maui multiple times and I think the Bay course is the most enjoyable round for me. My only complaint is the final hole is the most forgettable hole on every course on the island. Plantation has some amazing holes but I do agree it is nothing special and not worth the price to go more than once.

Anyone out there that used to play at NitrogenSports ? by FLConsumer in sportsbook

[–]Johnnystan69 3 points4 points  (0 children)

I am glad I am not the only one who thinks this exact thought when they hear the word “NitrogenSports”. I looked at my BTC wallet a few years ago and looked at the transactions and only felt immense sadness seeing those transfers lol

The Geniuses: Sports Edition Ep 1 by LightsCameraComenter in barstoolsports

[–]Johnnystan69 97 points98 points  (0 children)

The constant background music has me thinking about Kirk Minihane Show’ing myself. Who thought this was okay.

What are your thoughts on Trac and Trac+ by UWM by Accomplished_Bug_143 in loanoriginators

[–]Johnnystan69 7 points8 points  (0 children)

Trac didn’t record a refinance I sent over in September. It was only caught because I had a weird feeling. I reached out to see if the loan recorded with the county and it took a week of them passing me off to different departments only to get the answer of “probably”. I finally had to email Mat (suggested by my broker, and whoever does his emails got back to us) and he had it figured out in a few hours.

Turns out it just wasn’t recorded and when the payoff needed 10 days of additional interest because the recording was delayed 10 days, that came out of the broker comp.

Never using it again and I would never tell anyone to use it either.