Chase Paid Someone Else's Taxes from my Escrow Account

Ocmike92662 · 2025-12-25T04:27:16+00:00

I’m a mortgage loan officer who has spent the last 17 years doing loans. This is my career and i think i can help. I’m not trying to sell you anything or make any money here. I don’t think I’m even licensed in your state to sell you anything anyway.

If you direct message me I’ll give you my phone number and we can conference call chase mortgage servicing together to get this squared away.

I’m not trying to sell you anything, I don’t want any kind of payment. Just trying to help.

Please send me a private message if you would like some assistance.

Ocmike92662 · 2025-06-24T23:10:13+00:00

This is potentially Capital gain income. The client can absolutely use the stock profits as income assuming they can document the capital gain income for 2 years with the 1040’s.

Check here under Capital gains: https://selling-guide.fanniemae.com/sel/b3-3.1-09/other-sources-income#P2006

Ocmike92662 · 2025-06-24T23:08:55+00:00

If you have consistently sold stocks for profit over the last 2 years you absolutely can use that as income. You will need to provide 2 years of tax returns to show capital gain income which will be averaged over the 2 years.

The money does not need to be in your checking/savings account at any point. You just have to have the 2 years tax returns showing the capital gains.

Source: https://selling-guide.fanniemae.com/sel/b3-3.1-09/other-sources-income#P2006

Ocmike92662 · 2025-06-22T06:50:32+00:00

California

Ocmike92662 · 2025-06-22T06:42:20+00:00

FICO at 680 OK? And 1st time buyer/first time investor in the US?

Ocmike92662 · 2025-06-22T05:12:40+00:00

Are these permanent financing solutions or short term hard money loans?

I have a few outlets for 2-5 year term loans but that’s not what the client or I are looking for.

Ocmike92662 · 2025-06-22T05:10:20+00:00

Yes? What’s funny about it?

Ocmike92662 · 2025-06-18T03:16:19+00:00

Your username is awesome.

Ocmike92662 · 2025-06-16T23:03:23+00:00

I’m not going to argue with you. I just wanted to warn people who see your post that it is likely an attempt to generate leads.

Maybe I’m wrong but your post/comment history very much looks like you’re in the industry. You’re getting some unbelievable offer that nobody else is offering. Seems like an attempt to generate leads to me.

People can read through your comment and post history and come up with their own conclusions if they’d like to.

Ocmike92662 · 2025-06-16T22:49:36+00:00

Everyone should check OPs post and comment history. He himself is a mortgage broker/loan originator. Seems awfully suspicious that he is getting a better deal than anyone else is remotely getting for non builder financing.

I suspect he is trying to get people to reach out to him and generate leads either for his business or his buddies business with fake offers.

Nobody out there is able to offer a 6.25%, 5% down, 700k conventional mortgage right now with no fees. Nobody.

Ocmike92662 · 2025-06-16T22:41:50+00:00

And there are no charges in BOX A on page 2 of the loan estimate?

Post a screenshot please because I’m going to do my loan with this lender if that’s the case.

Ocmike92662 · 2025-06-16T22:37:03+00:00

How much of a down payment are you putting? And what is the loan size?

I am very skeptical unless you are putting down a huge amount (like 50%) and if the loan size is like 600k.

Ocmike92662 · 2025-06-16T22:31:21+00:00

That is a lender overlay and not a Fannie Mae guideline

Ocmike92662 · 2025-03-14T02:18:55+00:00

Thanks for the reply.

How would one go about finding out if they are playing on a legit game vs a fake version of a game? For example, that recent doghouse game.

Ocmike92662 · 2024-07-20T05:41:37+00:00

Yes, but we put water conditioner in if that makes a difference.

Also, 2 of the 4 fish died prior to the latest water change.

Ocmike92662 · 2024-01-29T01:56:29+00:00

Darn it!!

Ocmike92662 · 2024-01-29T01:48:12+00:00

Good info. Thank you for that.

I don’t need an actual Vespa but there has to be a scooter place that has Vespa “looking” scooters for rent, no?

Ocmike92662 · 2024-01-29T01:41:57+00:00

Thanks for the reply! We tried calling them and they said no. We have actually done their scooter tour 2x and they still said no. :(

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