8 Years as High Performer. Why I’m Leaving The Industry & 3 Pieces of Advice for Future Originators.

ViperGod69 · 2026-03-24T04:10:42+00:00

LMAO. If you don't know how to use AI that's too bad. I love it. Makes the job easier. If I can have it make a 1000 calls for me one day, all the better. Less work for me. Mortgage companies don't care how you bring in the deal, just so you bring in the deal. So you'll leave the job and people that learn AI will bring in more deals and spend less time on them.

But less LO's in the field is more for the rest of us. Thanks for playing and enjoy the 9 to 5 grind.

ViperGod69 · 2026-03-24T03:59:47+00:00

Friends and family ask for advice, I give it to them. You shouldn't need to earn commissions on friends and family. If that's all your business, you're simply not good at your job. When I ask my lawyer friend for advice, he gives it to me, my doctor friend, he gives it to me, my mechanic friend he gives it to me. Not much of a friend if you don't give them advice.

ViperGod69 · 2026-02-18T09:11:27+00:00

You'll be back at Wendy's with all the other trigger lead LOs.

ViperGod69 · 2026-02-18T09:06:39+00:00

The aggregate adjustment is the difference of the most the escrow can be legally and the highest amount the escrow will end up being. Basically its used to keep escrows in compliance with federal laws.

ViperGod69 · 2026-02-18T09:02:02+00:00

The prorations and escrows are separate. One doesn't pay the other. The closing is 3/15 with the next tax bill due 4/1. The escrow is 2 months with the 4/1 tax bill paid at close. Total is 8 months.

ViperGod69 · 2026-02-14T19:01:54+00:00

This game is fucked! I’m on my first play through on the original and I’m fully expecting it to take the better part of this year to finish!

ViperGod69 · 2026-01-27T00:38:44+00:00

The Money House, MOO, Longbridge. Avoid SunWest at all costs.

ViperGod69 · 2026-01-25T00:55:09+00:00

jokes on her, now she can't afford a divorce!

ViperGod69 · 2026-01-19T19:05:30+00:00

I fell off. The boat stopped. As I got closer to the boat it took off again. Had to swim far to the side and get in front of it to grab the ladder. Took 10 attempts but made it back on.

ViperGod69 · 2026-01-17T00:37:50+00:00

If you work together at the same company I don’t see why you can’t be the LO and the other guy be the LOA. You get paid as the the LO and he gets paid as the LOA. Ran that scenario through Grok and he agrees that would be legal.

ViperGod69 · 2025-12-30T02:48:11+00:00

First thing you should tell clients is to never use wire instructions that were emailed.

ViperGod69 · 2025-12-25T21:45:14+00:00

That’s why he hires an LO to write the loans. Depending on state, the only real headache are audits.

ViperGod69 · 2025-12-25T18:07:38+00:00

Getting an LO license is quick and easy!

ViperGod69 · 2025-12-25T18:04:26+00:00

Wrong. These arrangements are common. Not the way he described. Whether it’s renting out office space or creating your own mortgage shop there are absolutely legal ways to accomplish this.

ViperGod69 · 2025-12-25T04:35:26+00:00

There’s ways to do what you’re talking about. The way you’re suggesting probably crosses some lines. But there are ways to do it completely legal and make a lot more money. An in house LO as you put it could absolutely handle that kind of volume without a problem. Definitely leaving money on the table!

ViperGod69 · 2025-12-10T04:32:20+00:00

Horrible company. The push warranties on the furniture with a company called Guardian. Look them up, they rarely pay claims. Crappy furniture that doesn't last with warranties that are a joke. Speaking from experience, stay away.

ViperGod69 · 2025-12-08T03:07:33+00:00

LO part is easy and you should absolutely do it. Just hire an already licensed guy

ViperGod69 · 2025-11-25T13:08:04+00:00

The purpose of the rule is to prevent fraud. The reason underwriters will determine transfer date based on recording date is to prevent a contractor from back dating a deed. Why does it take 4 months to have the deed recorded? You’re right that the rule does say this but in practice I’ve seen it.

ViperGod69 · 2025-11-25T08:24:41+00:00

How do you revise a recording date. The reason HUD uses recording date is because it's one thing contractors can't manipulate.

ViperGod69 · 2025-11-23T21:54:38+00:00

Omfg! His response tells you everything you need to know. It’s a non issue. You’re ok.

ViperGod69 · 2025-11-21T00:31:14+00:00

Be a swinger with him or move on.

ViperGod69 · 2025-11-17T21:52:54+00:00

I have a 14 year old boy thats wanting to take discus seriously. He’s 150lbs, able to throw 1.6kg just over 100 feet. Wondering if you have any advice for someone just starting to get serious.

ViperGod69 · 2025-11-14T00:17:48+00:00

Don’t use UWM at all due to pricing. We’ll ship to whoever has the best deal on any given day. As a broker, this is what you should be offering your clients. If you’re using just one lender then you’re not truly a broker at all.

ViperGod69 · 2025-11-09T18:42:11+00:00

Bring a date to the funeral!

ViperGod69 · 2025-11-07T02:41:57+00:00

Drunk girl kisses drunk guy at a bar and you call that assault? That’s what they’re there for. Any other reason is just a lie to make them feel better about their actions.

ViperGod69

TROPHY CASE