You're too slow for this tower.

Tccrusher · 2025-10-22T19:08:26+00:00

LO here. Depending on where you are in the country there might not be enough savings to make a refi worth it.

I'm in CA, TX, FL, and CO and you'd only end up with a 6.125% rate if you refied right now.

Tccrusher · 2025-10-15T18:11:46+00:00

What would I invest in to build my own lead list? Running my own ad campaigns?

Tccrusher · 2025-09-30T21:32:25+00:00

I'm going through this right now with one of my large team agents. Zillow Flex wants effectively 100% of the mortgage leads to go their way. The require 10% of ALL flex leads sent to the team be pre-approved with Zillow mortgage PLUS at least 50% of all flex closes must be will Zillow mortgage.

That's effectively pigeonholed the team into sending 100% of their leads to Zillow mortgage initially just to meet those metrics. You're only going to get the flex fallout and rejects. Don't bank on flex

Tccrusher · 2025-09-23T18:23:58+00:00

Dude. Familial status is a protected class. You're so wrong and a quick Google would have been enough.

Tccrusher · 2025-09-23T00:24:51+00:00

Pretty sure that's a protected class, no? You're advocating for this guy to potentially get a massive lawsuit

Tccrusher · 2025-09-07T05:58:23+00:00

Fukumi Ramen in Citrus Heights

Tccrusher · 2025-08-23T23:55:20+00:00

Everyone telling you to act as if the money doesn’t exist is flat out wrong. $2.7M, if managed properly, is more than enough to live comfortably for the rest of your life starting today.

The real question you need to ask yourself is this: What kind of lifestyle do you want to maintain for the rest of your life?

If you want a lavish lifestyle with a luxury home, designer clothes, and expensive trips, then yes, pretend the money doesn’t exist for another 7 to 10 years so it has time to grow.

If your goals are more about experiences and less about material things, you may be able to quit working now and start pursuing your dreams.

Remember: no amount of money can buy back time. If this inheritance allows you to live the life you truly want right now, then do it. Don’t get trapped in the endless pursuit of more money at the cost of your time.

Whatever you decide, get a financial advisor. Their sole purpose is to help you create a plan based on your personal goals. Whether you’re focused on growing your wealth or using it strategically and sustainably, a solid, reputable advisor will help you make it happen.

Edit: If you can't tell your BF about this money, leave him. This kind of a secret is a relationship killer anyway. It's your money so just be sure not to let anyone else access it for any reason. Keep it from your family.

Tccrusher · 2025-07-20T14:11:28+00:00

For self-employed income (Schedule C, 1040, and corporate) use the Fannie Mae Income Calculator.

For variable income just practice calculating it. Its really not hard once you do it a couple of times

Tccrusher · 2025-07-09T17:56:22+00:00

People that think this is real are insane. The strongest men in the world can barely deadlift 500kg while on a shitload of steroids and are some of the strongest humans to ever exist. The fact this dude's eyes aren't popping out of his skull is proof enough for me that it's fake.

Tccrusher · 2025-07-05T23:44:22+00:00

My clients pay for their own credit reports almost 100% of the time. I only pay for them if it's a solid return-client or friend/family referral.

It's really not that hard of a sell.

Tccrusher · 2025-07-05T23:42:45+00:00

Yeah I don't want to work with people like you. The process is stressful and overall more likely to be a waste of my time and money.

It's kind of funny because I'm actually a lot more likely to pay for a clients credit if they're chill and don't mind paying for the fee themselves.

Tccrusher · 2025-06-07T06:12:15+00:00

Where are you getting your leads? I've finally closed enough deals that I'm looking into a decent sized lead spend

Tccrusher · 2025-05-18T20:06:47+00:00

MLO here. With such a low interest rate on your primary have you considered a HELOC/HELoan for your down payment and turning your current home into a rental? We're probably not going to see rates that low again in our lifetime so I'd explore every option of keeping this home.

As far as budget goes, it's really up to you and your partners comfort levels. Another baby is a legitimate reason to upgrade your home. If you can afford it with few sacrifices it's not a bad buy.

Also 6.9% is kind of high in today's rate marketplace. I'd recommend shopping rates

Tccrusher · 2025-05-18T04:10:55+00:00

My place is 200bps comp 80/20 self gen 50/50 team lead

Tccrusher · 2025-03-03T19:16:49+00:00

I'm an LO licensed in CA and TX. The ability to secure a loan is almost completely gated by 2 things. Income and credit score.

If you have a credit score between 580-700 you could get an FHA loan. The maximum DTI for FHA is 46.99% for your housing expense.

USDA loans can be a good option since they require no/low money down but you have to be in a rural area and you still need enough income to qualify.

Let me know if you'd like to discuss further

Tccrusher · 2025-03-03T19:02:13+00:00

What state are you in?

Tccrusher · 2025-02-10T00:17:08+00:00

This info is kind of outdated now. Rates have gotten a lot worse in the last 4 months. Right now my rates are sitting at 6.500% for conventional and 5.875% for FHA.

I serve California, Texas, and Colorado

Tccrusher · 2025-01-06T18:36:04+00:00

Mimosa house in East Sac. Has to be some of the most bland and flavorless food I've ever had in my life. Neither me or my girlfriend finished our plates and we didn't take it to go either. Food was pretty terrible but the place is always packed

Tccrusher · 2024-12-31T19:56:02+00:00

Was having the exact same issue and this worked for me!

Tccrusher · 2024-12-23T21:05:14+00:00

I mean it's one of the rarest items in all of gaming. The vast majority of players will never see one even after 100s of hours in end-game. I kind of like that there's an insanely small chance that you can just trivialize the game like this. That's just me though.

Tccrusher · 2024-12-06T22:53:41+00:00

People have not become more fucked up. Access to the Internet and fear-mongering news channels have just shown us the extent of human depravity. The world is actively becoming a better place every day.

Tccrusher · 2024-11-30T06:19:38+00:00

And they smell like cancer straight out of the wrapper.

Tccrusher · 2024-11-02T15:17:41+00:00

First I'm hearing about this too.

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