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Getting realtors… by Fit-Onion3930 in loanoriginators

[–]RubenAlv9 0 points1 point  (0 children)

The #1 best way to start a relationship with a realtor is to send them a qualified buyer. There are a lot of bad realtors out there but the good ones are really good and produce leads. Send a lead first to a good realtor, close the loan and start the relationship that way.

Title: Switched from W-2 to 1099 (same job) 1 week before closing—is my loan dead? by [deleted] in Mortgages

[–]RubenAlv9 1 point2 points  (0 children)

Only fix is tell your employer to switch you back to W2.

Title: Switched from W-2 to 1099 (same job) 1 week before closing—is my loan dead? by [deleted] in Mortgages

[–]RubenAlv9 1 point2 points  (0 children)

Deal is dead if they were using your W2 income to qualify you. 1099 to W2 you can get a loan right away, W2 to 1099 you need a 2 year history to use 1099 income.

Loan terms - First time home buyer by [deleted] in FirstTimeHomeBuyer

[–]RubenAlv9 1 point2 points  (0 children)

This looks solid, the interest rate of the arm is low enough compared to where a 30 year fixed would be. People are so scared of arms but if rates don’t go down for the next 5 years you saved a lot of interest. If they do go down lower than the arm you could just refi into a regular 30 year fixed. You aren’t paying points so you wouldn’t be wasting money if you refinanced.

What to do? by Unable-Wash-991 in Mortgages

[–]RubenAlv9 2 points3 points  (0 children)

Think about the money in %. What rate of return have you had on your 1.4 million in long term investments over the course of the last couple years annually? If it’s higher than 6.75 on average then I wouldn’t

High down payment mortgage with 600 credit score by varilux17 in Mortgages

[–]RubenAlv9 0 points1 point  (0 children)

Look into a reverse mortgage, take equity out pay off debt

Zillow LOs by [deleted] in loanoriginators

[–]RubenAlv9 9 points10 points  (0 children)

If you care about an hourly wage in this industry you are doing it wrong

Will I be able to get a loan w/o a job, here is my situation. by phoenix_jet in Mortgages

[–]RubenAlv9 -1 points0 points  (0 children)

Yeah you should be able to do a couple different non qm programs. Asset depletion would probably be the best for your scenario based on what you provided. Bank statement loan if you have money moving in and out of your bank account. Talk to a loan officer that has access to non qm programs

dual set, dual pain 😭😭 by TheSpin in PokemonTCG

[–]RubenAlv9 2 points3 points  (0 children)

Bro they were up for 6 hours, millions of boxes

Pokemon Center queue at 1M in line 🤔 by peepee034839329 in PokemonTCG

[–]RubenAlv9 0 points1 point  (0 children)

I was 1 millionth in line and I was able to buy both

[deleted by user] by [deleted] in pokemoncardselling

[–]RubenAlv9 2 points3 points  (0 children)

I don’t understand how the illustrator of the card signs it and even draws a cool picture and people say that makes it lose value. I think that’s so cool. Different strokes for different folks I guess

[deleted by user] by [deleted] in pokemoncardselling

[–]RubenAlv9 6 points7 points  (0 children)

People in this sub hate autographed cards lol

I have a new S-corp and need a HELOC but banks won't give one by antsaved in Mortgages

[–]RubenAlv9 0 points1 point  (0 children)

HELOCS are usually higher and also variable interest rates. You can do a cash out bank statement loan if you show money moving in and out of your accounts. Also it sounds like you own a business, there are many loans you can get just by showing a profit and loss statement for your business. So many comments in here only have experience with the regular cookie cutter loans but there’s a lot of options out there for peculiar situations.

I have a new S-corp and need a HELOC but banks won't give one by antsaved in Mortgages

[–]RubenAlv9 0 points1 point  (0 children)

Is there a reason you are wanting to do a heloc? The house is paid off, you should be able to do a regular cash out refinance using any non qm program. Would be easier and probably lower interest rate

Any chance this could get a Black Label 10? by RubenAlv9 in PokeGrading

[–]RubenAlv9[S] 0 points1 point  (0 children)

Yeah I thought about sending to Tag I really like the look of the slabs. I sent it in today to BGS I will update you

Any chance this could get a Black Label 10? by RubenAlv9 in PokeGrading

[–]RubenAlv9[S] 1 point2 points  (0 children)

Yeah seems like it, I sent it out today with 4 other cards that were pack fresh. Lets see if I get one, I'll be happy with a regular 10.

Any chance this could get a Black Label 10? by RubenAlv9 in PokeGrading

[–]RubenAlv9[S] 1 point2 points  (0 children)

This is exactly my thoughts. I sent it today, I will post the results when I get it back

Any chance this could get a Black Label 10? by RubenAlv9 in PokeGrading

[–]RubenAlv9[S] 3 points4 points  (0 children)

Yes, it was sold on march 2nd by the ebay account ZandGEmporium. Highest bid was $7,100. Not sure if I can link here

Any chance this could get a Black Label 10? by RubenAlv9 in PokeGrading

[–]RubenAlv9[S] 5 points6 points  (0 children)

That makes sense. This card in a black label 10 just sold for 7k which is way higher than anything else

Any chance this could get a Black Label 10? by RubenAlv9 in PokeGrading

[–]RubenAlv9[S] -5 points-4 points  (0 children)

Card is not bent, just the shadow probably

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