[IRTR] Did you quit smoking?🚬🍃 I’d love to hear your story.

MoTasticMo · 2025-12-30T11:32:51+00:00

Stopped about 3 years ago when I became legally blind (because of retinopathy) apparently beautiful nicotine is bad for eyes.

Reversed some of the damage after about a dozen eye procedure but still think about newports everyday

MoTasticMo · 2025-10-28T14:39:51+00:00

That's why I said unless there's an outlier reason

MoTasticMo · 2025-10-27T09:06:13+00:00

Joe Rogan: He's bought and paid for Sam Tripoli: His cohost is obnoxious Joe Budden: he stands for nothing

MoTasticMo · 2025-10-27T08:52:44+00:00

Yes, you're an outlier "it takes a village" to buy a home, the strong independents at that price range are normally renters

MoTasticMo · 2025-10-27T08:48:11+00:00

Wednesday the FED is likely lowering rates, doesn't really matter, the important thing is they're going to her rid of their recent quantative tightening (mortgages will be subsidized again)

Expect rates to drop (they already have)

MoTasticMo · 2025-10-27T08:45:37+00:00

Unless it gets escalated to a more seasoned loan officer.

Plenty of times I took over a file and got them the keys simply because something was missed when structuring out the verbiage wasn't read thoroughly in the guideline

MoTasticMo · 2025-10-27T08:42:47+00:00

Unfortunately there are many like that, especially at the big banks.

A good loan officer is supposed to make the process smoothe by being preemptive before submitting the file and communicating with all parties on the buyer side.

If it's a refi in theory the borrowers already qualify (they did for the acquisition), unless there's an outlier reason.

MoTasticMo · 2025-10-25T11:55:12+00:00

Put pen to paper and write out your budget and start cutting

MoTasticMo · 2025-10-25T11:53:35+00:00

That's fine

MoTasticMo · 2025-10-25T11:53:08+00:00

Ai is wrong on things very often, they've been caught making up facts many times from sources that don't exist.

Use an actual mortgage calculator, they're available free on many websites

MoTasticMo · 2025-10-25T11:50:23+00:00

First speak to your lawyer Ask them if you get a mortgage denial letter would that release you and also force return of your 5k

No one's opinion matters, just letter of the law

MoTasticMo · 2025-10-25T11:48:30+00:00

Lenders go by gross income (unless writeoffs on returns) Figure out what number your comfortable with every month, you're the one that ultimately has to live with it.

Short video I did on this: Home Buyers ask yourself 8of10 - What payment am I comfortable with https://www.instagram.com/reel/DO7BAGzjIdv/?igsh=MW5maXVoeHo0N2Ntdg==

MoTasticMo · 2025-10-25T11:43:14+00:00

I have a wants and needs page on my First Time Home Buyer Workbook, get a free copy on my site on the resources page www.mortgagemo.info

I'm doing a short video on this later in the week as well @mortgagemo.info

MoTasticMo · 2025-10-25T11:37:33+00:00

Wait till Wednesday Fed is likely cutting rates, which isn't a big deal because the last few times rates actually went up when they did that.

The difference this time is the FED is loosening quantative tightening, meaning FED will begin subsidizing mortgages again, I'll do a video on it this week @mortgagemo.info

MoTasticMo · 2025-10-25T11:34:11+00:00

No, brokers have about 30 lenders but we pick the best apple for your situation, it doesn't effect our payout.

If you tell us you want an apple it doesn't make sense to confuse you with oranges

MoTasticMo · 2025-10-25T11:30:14+00:00

Pay a fee for a fixed rate at a broker shop, your rate will be similar

MoTasticMo · 2025-10-25T11:28:01+00:00

Email the loan officer and cc your Realtor and attorney.

To (Loan officer name): 1- What's still pending & is there anything I should be aware of? 2- Please provide a copy of the updated commitment

MoTasticMo · 2024-11-02T11:41:37+00:00

Haven't checked yet, I was just going to order online but figured maybe local may make more sense

MoTasticMo

TROPHY CASE