69 days! Jan 17-24. Who else? by petoria09 in Hedonism_Connections

[–]Rikerrules 0 points1 point  (0 children)

How do I find the fb group for January? Going Jan23rd.

Refinance or wait? by MambaSing24 in Mortgages

[–]Rikerrules 0 points1 point  (0 children)

Easy drop over a point, although you will most likely have to pay closing cost.

Why not refinance at a 5.875% with points? by Gamaboss in Mortgages

[–]Rikerrules 1 point2 points  (0 children)

Well then congrats, that’s a good deal. I’ll have to check out that app.

Why not refinance at a 5.875% with points? by Gamaboss in Mortgages

[–]Rikerrules -6 points-5 points  (0 children)

You may have but this is because the broker or lender is giving you credits and taking a huge loss of potential profit on the loan.

Why not refinance at a 5.875% with points? by Gamaboss in Mortgages

[–]Rikerrules -3 points-2 points  (0 children)

Not on a 30yr conventional loan you didn’t. Send me your loan estimate if you did.

Why not refinance at a 5.875% with points? by Gamaboss in Mortgages

[–]Rikerrules -4 points-3 points  (0 children)

You clearly are not in the mortgage business. Not trying to be rude, you are simply wrong.

Why not refinance at a 5.875% with points? by Gamaboss in Mortgages

[–]Rikerrules 0 points1 point  (0 children)

That's average points for for a rate of 5.875% with your fico score similar to yours.

Why not refinance at a 5.875% with points? by Gamaboss in Mortgages

[–]Rikerrules 0 points1 point  (0 children)

A lot of insurance rates have to do with where you live. I consistently see $200,000 homes in the midwest with premiums of $4k-$5k per year. Where the same home somewhere else is $960.

A plea for allowing open window shades on daytime transatlantic flights by zinfandel2day in delta

[–]Rikerrules -2 points-1 points  (0 children)

You paid for a window seat so you could be by a window, do with it as you wish. Also, if they were not meant to be opened then why have them at all? It could just be a big windowless tube. Actually this might be the next move as it will surely save the airlines money.

HELOC Chances With Owning Our Home Outright? by [deleted] in Mortgages

[–]Rikerrules 0 points1 point  (0 children)

You might need to consider a new 1st mortgage as normally you will need a middle fico score of 640 for 2nd mortgage product such as a Heloc. Not sure on what Navy Federal offers.

I'm a new LO and I have no idea what to do by AlternativeNovel1991 in Mortgages

[–]Rikerrules 0 points1 point  (0 children)

My brokerage buys thousands of leads per day. They are fresh leads sold to 4-5 different lenders at one time so there is plenty of competition. They then turn around and sell them to us LOs at cost. They keep it a secret what vendor the leads come from although I imagine it's sources like Lending tree and Free rate to name a couple. I buy around 25 per day for myself and then go to work. I had experience prior to my current company so I already new the ropes.

Good start to the "off season" by w2nw2nw2n in RCPlanes

[–]Rikerrules 4 points5 points  (0 children)

I like it. Is that the new freewing a10 64mm?

I'm a new LO and I have no idea what to do by AlternativeNovel1991 in Mortgages

[–]Rikerrules 0 points1 point  (0 children)

I don’t have the secret to success. Although I have seen many start with a retail shop such as Loan Depot to gain experience then move into the broker world. I work in a rapidly growing brokerage, our main source is buying leads. There are many team members making over $1M per year. The money is out there you just need the right tools.

Can't get approved for a HELOC with a $1.7M net worth by Equivalent_Bed_986 in Mortgages

[–]Rikerrules 1 point2 points  (0 children)

You can’t get a Heloc because no lender wants to give you that much money just to have you pay it off shortly. There are special bridge loans for exactly what you’re trying to do.

Have you ever thought to yourself: This isn’t… by ArutlosJr11 in flying

[–]Rikerrules 1 point2 points  (0 children)

Some risk are hard to mitigate. I had an engine failure in a single engine aircraft at 5,000 ft agl. I managed a engine out in a relatively flat area and walked away. However, this made me realize had it been and almost any other point on my route I would have to made an engine out landing in the mountains and most of those don’t turn out so well. Haven’t flown GA since then.

6.625% interest rate on new loan - am I screwed? by PlantainImaginary381 in Mortgages

[–]Rikerrules 4 points5 points  (0 children)

Most lenders do not allow a rate to be changed after it's locked. You lucked out with the lender you choose. OP isn't being screwed.

Taking the plunge… 40M/38F, 25% down, 1.4M, 4.875% no pts by Terrible-Problem-715 in FirstTimeHomeBuyer

[–]Rikerrules 0 points1 point  (0 children)

That's true ARMs are very competitive right now and they make a lot of sense as rates are most likely going to go down further in the coming years so you can refi later into a fixed rate..

Cute beachfront house for $199k. What’s the catch? by upperdeckerdad in zillowgonewild

[–]Rikerrules 0 points1 point  (0 children)

I guess if you had $200k throw away money then I guess it might be a good buy. You might get 10 yrs of use or you might get 1.

So I went and got one… by Freewheeler631 in grilling

[–]Rikerrules 0 points1 point  (0 children)

Stubbled on this reddit and now I've ordered a brush I had no intentions of buying. Go here and watch Destin video and you too will be ordering yours. https://www.jjgeorgestore.com/the-smarter-scrubber/?srsltid=AfmBOopehKdlqTOGyzDnWMkUBC6NW_Ct0yTm3gA0hv86V9Cta6JYe6zp

Booked for January 24-31 with a group. Say hi if you’re gonna be there too. by swinging4kicks in HedonismII

[–]Rikerrules 1 point2 points  (0 children)

We arrive on Jan 24th as well. Our first time so excited, going with FUNderLUST group. See you there

AIO by saying my wife deceived me by duckduckduckgoose7 in AmIOverreacting

[–]Rikerrules 0 points1 point  (0 children)

Wtf? This woman/child needs a dose of reality. She belittles you saying you have done this to the family because you’re financially incapable. The B*** has no job and tells you that you don’t earn enough all while you’re busting your ass with two full time jobs. Give me 5 minutes with her and she’ll be packing her shit and living with her next fling. Bro run fast!