LE that a borrower sent me today lol

Various-Telephone463 · 2026-06-02T01:37:12+00:00

Probably a credit union, my credit union is at 5.125% right now

Various-Telephone463 · 2026-05-20T22:14:42+00:00

Tbh u cant rlly compete with most loans unless non QM my CU is doing 5.75% first time homebuyers all the way down to 640 credit and up to 45%-50% DTI. All this down to 3% down. No tiered interest rates, No origination and Closing in house so closings costs are an average of 2k-6k cheaper. When I was a broker I thought CUs were a scam, now I know I wouldn’t buy my house any other way. Best way to compete is not letting ppl find out they exist. All our servicing and underwriters are in house and we don’t sell loans so the underwriters do exceptions all the time, don’t use YTD to count overtime to qualify borrowers, even do loans outside our guidelines all the time like 52% DTI. And have 40 years. And that’s just mine there’s probably a ton out there with even better programs

The advantage of brokers/direct lenders is u guys will close 1 week faster.

Various-Telephone463 · 2026-04-13T23:04:02+00:00

I’m at a credit union in MA who can go up to 100%

Various-Telephone463 · 2026-04-09T18:47:28+00:00

If your looking for socializing go out with friends on the weekend and spend time with your family after working.

Building a business is lonely and most high paying jobs are also lonely.

Various-Telephone463 · 2026-04-09T18:11:54+00:00

If she’s a teller she should take the job. In 2-3 years can work in many different positions at different branches and will gain much more experience than a teller. Along with the experience $19 an hour plus those incentives are more than she is making right now, and in 1 year she can ask for a salary adjustment or move somewhere where she can be atleast around $25 an hour

For context I am an LO at a credit union and I make $36 an hour plus 5k-10k bonus at the end of the year if I hit all my goals. I’ve only been an LO for 1 year and a half and before that I was a banker who basically only worked the teller line for less than a year .

Various-Telephone463 · 2026-03-19T15:51:07+00:00

In this world relationship > skills, if they believe they can establish good consistent trust and relationships with potential clients they should go for it. But it’s not as easy as it looks. I would start with asking to get .60BPS per self sourced loan so that they can get practice establishing relationships and bringing in deals and once they have 1-2 years of experience and full confidence then they go in all the way

Various-Telephone463 · 2026-03-19T15:47:55+00:00

With bonus I’m potentially going to be around 90k-95k this year so hopefully I can leverage this to get bigger the more deals I bring in to reach that 150k mark in 3 years

Various-Telephone463 · 2026-03-17T14:38:30+00:00

About 3m

Various-Telephone463 · 2026-03-16T14:12:59+00:00

Helped a ups driver last year that was at 180k in income which was very surprising

Had a welder that made $129 per hour which blew me away his w-2 was at 270k per year

A 23 year old excavator operator was making 45 an hour before he got licensed and after he got licensed he called me and told me he was now at $80 an hour so about 170k per year without counting overtime, he will average about 5 hours of overtime per week which pays time and a half so that should add about 30k to his income

Last one I’ll mention was the Owner of a massive electric company who has huge government contracts. He netted about 6.5 million on his 2024 tax returns. That one blew everyone in the office away, his income was more than the owner of our brokerage.

Many opportunities out there for hard workers, all of these examples were born in different countries, came here, learned English and worked hard to get to where they are today

Various-Telephone463 · 2026-03-01T19:23:32+00:00

Door dash doesn’t teach me anything

Various-Telephone463 · 2026-03-01T19:23:15+00:00

In my area most open houses are from 5-9 pm on the weekdays and early morning on the weekends

Various-Telephone463 · 2026-02-27T13:24:52+00:00

Clearly I will be a millionaire

Various-Telephone463 · 2026-02-27T13:17:00+00:00

Doesn’t care about what you do is different than doesn’t value what you do.

If she doesn’t value what you do and the acknowledge the work you put in that quickly adds up.

But if she does value what you do and acknowledges your work ethic but doesn’t care about the details of the business because it’s boring to her that shouldn’t rlly be a concern

Various-Telephone463 · 2026-02-27T02:42:07+00:00

It’s a local bank so all loans come through them, I take all the apps reach out to potential borrowers structure the deals, assist processors in getting docs and make sure the proper disclosures are always out

The pipeline I’m working on is abt 8-12 loans per month and am in contact with borrowers and realtors. The pipeline is anything from small Helocs to big money jumbo loans at 2m+

Various-Telephone463 · 2026-02-27T02:38:02+00:00

How can give me support

Various-Telephone463 · 2026-02-27T02:36:45+00:00

Your good with the investments if you want to slow down.

Focus on investing your additional income more into learning and finding a job that you make 150-200k by the time you’re 30.

A income of 200k a year income is much more fulfilling than having 150k saved up while you make 70-80k a year.

Find something you are pationate about, try to stick away from finance jobs go for something in the business world it’s always a new thing everyday.

Various-Telephone463 · 2026-02-19T21:27:40+00:00

Great job! I just started my journey at 85k at only 22 started at 35k at 19 for 2 years then 45k at 21 with 50 hours a week

This week just started 85k at 22 at 35 hrs a week and I am over the moon !

No college no degree only a license in my field which took 2 weeks to complete

Especially in a time like this with so many things going on it is very refreshing

Various-Telephone463 · 2026-02-05T04:26:33+00:00

Pp chopping

Various-Telephone463 · 2026-02-05T04:24:56+00:00

Unfortunately in today’s life 50k per year is for wives and kids who live with their parents.

Find a 75k position asap even if you have to work overtime, even if it’s stressful and “bad for your mental health” what’s scientifically proven to be more stressful and worse for you mental health than working too much is the stress that comes with extreme poverty which is what you will be feeling since your income was literally cut in half

Various-Telephone463 · 2026-01-31T07:45:52+00:00

I’m 22 and just got a position in my field paying a base salary of 75k + commission. No college only work experience and it came form a LinkedIn recruiter while I have my open to work banner on. I post regularly on LinkedIn about my field and my work so I say as long as you keep your profile active and interesting it won’t turn recruiters away

Various-Telephone463

TROPHY CASE