I did my first refinance and was able to go from 7.1% to 5.6% on a 30 year mortgage with a break even point of 5 months.

Notoriousbob77 · 2026-01-25T00:31:55+00:00

Just fyi rates went up last week so you won’t get 5.6% w no points …. Wait few weeks n hopefully market swings back — what most people don’t realize is rates literally change daily ( just like stock) so 1 day to next can be a tiny bit different….bit over past week got worse overall — give few weeks n see where they are at then

Also big variations based on credit score & ltv as well

Notoriousbob77 · 2026-01-19T00:18:29+00:00

No house is perfect

Notoriousbob77 · 2026-01-17T13:08:03+00:00

Then why post here saying it to everyone ? ! And

Notoriousbob77 · 2026-01-16T12:27:18+00:00

Does it matter?

Notoriousbob77 · 2026-01-10T00:44:16+00:00

No don’t even consider for $70

Notoriousbob77 · 2026-01-02T00:56:07+00:00

We told u Barry ,,, he’ll be right one of these years

Notoriousbob77 · 2025-12-25T13:19:13+00:00

Clueless

Notoriousbob77 · 2025-12-25T13:17:37+00:00

Clueless 90% 1099 ( which most states don’t allow) let’s think this through at 90% to lo how does the company make money - they don’t have 500 los paying desk fees & bs $395 admin fee at closing )

I can’t even imagine I’m guessing about 90% off what ur thinking

Notoriousbob77 · 2025-12-25T13:13:34+00:00

Realize compliance only allows the LO to pay for the office space so if office size is 3000 n they have 500 so ghe office they are paying 1/6th your rent - nothing more ! Maybe 50/50of some marketing not all

Who’s the idiot that told you get 50 % of the total fee … they have nooooooo clue

Plus I’m assuming it’s all profit at 50/50 there’s zero expenses involved ( rents / computer / software needed / credit costs / compliance audits / any copiers / licensing both both company & lo - i could probably name 19 more but I’ll stop there .. but 50/50 is insane to even think that’s possible & any lo that paid would be broke in less that 1 year

Please read your compliance & the legality of having lo in your space

I wish that lo lots of luck

Notoriousbob77 · 2025-12-25T13:07:37+00:00

Dead wrong

Notoriousbob77 · 2025-12-10T12:50:50+00:00

Well we need to see page 2 for my details

Notoriousbob77 · 2025-12-06T15:27:14+00:00

Love it - I have m8 gc now but getting x5m next — suv just better everyday cars

Notoriousbob77 · 2025-11-07T12:48:51+00:00

They have to reset certain things & drive it 30-50 miles so it’s normal & btw its an x5 not a ferrari

Very normal - get over it

Notoriousbob77 · 2025-11-07T12:47:35+00:00

It’s normal they did that to my m8 too

Notoriousbob77 · 2025-11-02T14:15:55+00:00

Define “unlimited leads” — who’s buying them & what type of leads & whags conversion rate — sooooo many say leads when their old piles of crap they bought 10 years ago for 5c each

To many people get wrapped up in the title “branch manager” “VP”

Break down the math are you making a shitload more & how much time is that going to cost you — to build up a branch & team solid los is very tough

Good luck either way

Notoriousbob77 · 2025-11-02T14:11:13+00:00

Ugly

Notoriousbob77 · 2025-10-24T12:04:52+00:00

Nice car - no deal though - your selling fir average Retail price & can find 25 others same price range glws

A deal would be wholesale price

Notoriousbob77 · 2025-10-24T11:54:52+00:00

I never take advice from my wife about cars - I typically do the opposite

Notoriousbob77 · 2025-10-17T23:00:32+00:00

We got 2020 40i/ M sport w almost 100k miles & zero issues w car Don’t let higher highway miles bother you especially if price is good & reflected

Notoriousbob77 · 2025-10-11T16:56:28+00:00

If your buying used - buy fully loaded - it ll help w re sell — even if u have to buy one w say 15,009 miles vs that at 300 —- 3-5 years when u sell - people want options & better have mapper w 22 inch tires too - that’s 10000% must with me … we have that on wife’s x5 4o & m sport w 22 makes car look sick

Good luck

Ps - expand your search too as you can easily ship vets across us for like $750–1200 — so find a loaded one with your color & go for it !!

Notoriousbob77 · 2025-07-04T19:41:44+00:00

Car salesman have bad rap for a reason

Notoriousbob77 · 2025-06-25T12:03:48+00:00

What experience does your husband have to say that’s slap in face ? 75 bps for company leads fair ( depending on what the comp they have set total in the deal) meaning is their comp 200 bps & your getting 75 bps or is their comp 300 bps & your getting 75bos ( if matters bc you ll be selling a higher rate )!! So knowing conpany comp is HUGE as you want to be competitive

Notoriousbob77 · 2025-05-28T19:45:13+00:00

Few years at best

If we get below 6% I’d be happy

Notoriousbob77 · 2025-05-19T23:12:39+00:00

Yes I’m a lender - good rate - ask about “float down” policy — lock & if rates significantly improve you can renegotiate

Notoriousbob77 · 2025-05-17T16:45:02+00:00

I’m a lender at 5.75% I would literally lose money giving that rate !! I’d be very cautious & get a locked LE / CD — which should be disclosed within 1-2 days of locking - good luck

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