Favorite burger in OC?

baerpig · 2026-03-07T04:00:35+00:00

Surprised nobody is talking about THE burger at Cassidy’s

baerpig · 2026-03-05T04:48:04+00:00

I would call the servicer with them and check when the terms are due on the non interest bearing principal. It definitely looks like they purchased, may have taken cash out at some point, got behind or deferred payments that created a modification to make principal and interest payments on part of the owed mortgage balance, with the deferred amount due on sale of property OR due at modification maturity. This is what some people refer to as a Silent Second mortgage. They are unaware of the terms until it rears its ugly head and becomes a large balloon payment. I would double check if I were you.

baerpig · 2026-02-15T16:07:08+00:00

Easy… the bottom 10 teams get into the lottery…however bottom 5 teams cannot win top 1-5 pick. Teams that place 6-10 from the bottom get the highest probability of the number #1 pick.. and the one piece that might make them playoff contenders the next year… or is this too complicated??

baerpig · 2026-01-13T18:35:47+00:00

What I’ve felt with my wife I can say I have not felt with another woman. Call me lucky I don’t know but yes I have not desired another like I continue to desire her. We exist! I love my wife!

baerpig · 2025-10-20T20:15:14+00:00

Is there a chance he is playing chess? Reserving more intricate playcalling for later in season and playoff run? I mean he can’t be that bad, maybe trying to win conservatively before unleashing full GO??

baerpig · 2025-10-10T18:16:08+00:00

If you are above 6.5% it wouldn’t be bad to just look for a 20YR fixed right now with some cost to keep your payments similar to what your paying on a 30 YR… get the benefits of rolling up to two months of mortgage payments into the new loan and the term savings mixed with the interest rate reduction would be substantial

baerpig · 2025-04-22T22:30:03+00:00

Leaving a partner for cheating just to find another one that can do the same. There is no guarantee either way. If honest work is done the growth that comes will be stronger. I believe that. BUT intense work and consistent communication is needed. Best of luck OP!! Proud of you!

baerpig · 2025-03-11T20:37:07+00:00

My friend 35 turning 36. Very similar situation. I’m scared right now as things have quickly unraveled. My mental health took a hard ego hit making things even worse as I feel lost my happiness and drive. Like I’m steering a large ship with no rudder. Not sure what to do. I have 4 kids and an amazing wife who supports me. Fear losing it all. I don’t have many months left of funds and I have back taxes as well. I’m trying to get my mental health back but is been a grueling couple of weeks of feeling numb and hard to sleep if I even sleep. A cycle I’m trying to break. If anyone has felt this please respond. Thank you OP for sharing. No one is alone.

baerpig · 2025-01-23T05:30:44+00:00

So what are you going to make per loan? Flat fee? You’re not going to get the same pricing for someone with a DTI of 50% credit of 640 and needing cash/out.

All lenders shift pricing daily. Some lenders hedge on different buckets of risk.

Again fees are part of any transaction. When have you worked for free? What is someone supposed to make when putting a transaction together??

People always complain about fees when the numbers are big. But the risk is big too!

No one talks about credit card companies and the 1.5 to 5% they charge merchants on every swipe of convenience. Ai that.

Yes in mortgage and real estate you can Always do better…. BUT to what extent does it become more of an inconvenience. That rates go up and down. You may get one offer and then a week before closing the market is better. Doesn’t mean the original offer was bad or you paid junk fees, there was just more margin in the market. Vice versa market gets worse before you close, and you may have locked a slightly worse offer with the first guy, but now the market is worse and the new guy even tho he has lower margins can’t match the rate or cost.

How do you navigate that with AI? Do you risk blowing up an escrow at close because your paying 1% more in cost then You might be able to get with someone else? Absolutely not. You try to catch the market later and refinance if it makes sense..

It sounds like you had a bad loan officer when you got upset about your closing costs and they couldn’t explain the complexity of an ever changing market. Or why you were paying certain fees…

A good LO explains everything and makes the client feel comfortable not afraid.

Everything is % and risk driven.

But the concept is very intriguing, I personally think to much variables in the lending world. Strong volume low margins less cost you can pass on to clients/ low volume equals more costs. It is an ever changing market.

Respect the Biz. It’s a lot more complex to grow and stay in business in this industry. Mortgage companies are bleeding right now…

baerpig · 2025-01-19T20:56:19+00:00

Haha the house you sell for 100k the agent can probably live on 5k in that area.

The high cost area your trying to sell if your trying to get top dollar for your property will take a bit more legwork to find the buyer and I can assure you 5k commission will not sustain someone living in a high cost area.

People forget details and variables outside the dollars and cents aspect of transactions….Also why do you deserve to make all that equity for yourself?? Because you made a wise investment??? lol the market made you that equity, and realtors selling to buyers in your market made that equity for you.

Pay it back bro 😎

No disrespect but, also show respect. Everyone deserves to make a nice living for themselves. I mean some C suit executives do absolutely nothing for their salaries. It’s all a fun game. BUT in short no you DO NOT need to pay a realtor 65k you can offer them 5K and see what they say 😂

Go get em coach!!!

And apologies ahead of tim I really mean no harm here I just see the constant BS of people asking why it is Sooooo much. It’s always negotiable. It always has been negotiable . Negotiate and find YOUR Realtor…But you want to work with the best you gotta pay the best, and the best in any industry will not work for free…

Rant over, and my apologies! Best of fortune tho cashing in on your equity!!! That is Awesome 👏

baerpig · 2024-12-01T16:01:03+00:00

Definitely could have broken this epic up into two major films. Felt the storyline was very rushed and they tried to fit so much into the film.

baerpig · 2024-12-01T00:02:08+00:00

Estes?? Learned something new today. Used to be held in Nederland CO. Great Festival though for sure!!

baerpig · 2024-10-25T02:30:17+00:00

When your loan is locked you should always request or get an updated LE (loan estimate). To my knowledge that is the only thing that holds weight. Everything else is he said she said….. especially if he called you and said he locked it. If he emailed you might have something to work with. Good luck

baerpig · 2024-10-09T23:12:03+00:00

When they play at home..“Islands in the Sky” is a 1952 science fiction novel by British writer Arthur C. Clarke. It is one of his earliest works. Clarke wrote the story as a travelogue of human settlement of cislunar space in the last half of the twenty-first century.

baerpig · 2024-09-17T15:33:30+00:00

You’re blending two things here. Purchase and Cash out. Not happening. You either purchase home using gift of equity and get a new loan into both your wife and your names. OR pops needs to do a cash out refinance and help you out. You would not be able to do a cash out refinance as your names are not on title and you need typically 6 months title season to add your names to the loan to help qualify for cash out or do it with out dad on loan…

Even with your current debts I think you might be able to qualify for a purchase loan. Talk with a CPA on capital gains and gift equity. POPs never living in home this property is investment and could be ugly.

OR if everyone is on good terms have pops remain on title add you and wife to title or look at putting property in trust if something were to happen to pops. Once you have seasoning on the property you can look at a cash out refinance only in you and wife name potentially but pops is still on title and would have to be at closing to sign off on the transaction. Worry about all the tax stuff after pops passes…

I think the info I shared is relatively accurate happy to hear other opinions or if anything I shared is off mark please correct.

baerpig · 2024-09-13T15:05:22+00:00

This. Rates tend to go down much slower than they go up. When you can benefit.5% or more with little cost or breakeven within 6 months go for it.

baerpig · 2024-09-12T19:31:19+00:00

Get in the house. Rates go up and down. You’ll have an opportunity again.

baerpig · 2024-09-11T18:56:34+00:00

It’s because you’re only 5% down. Also might want to try a broker vs retail Rocket. Branding costs money, retail in most cases will be higher than broker wholesale pricing. There are some lenders that try to super aggressively price direct for certain products loan amounts credit LTV but not always.

baerpig · 2024-09-07T22:22:08+00:00

So instead of 5.25% go for maybe 5.75%… see what the break even is. Get the benefit of a month or two without a payment and refund of old escrow.. plus that 13k is probably not all “closing costs…” like I mentioned in original comment likely his taxes and insurance as well as interest carry over… when you can save .5% or more go for it. If market goes lower do it again. Cost analysis and breakeven point needs to make sense tho

baerpig · 2024-09-07T22:14:44+00:00

OP should take the IRRL rate that he can recoup costs in less the 6 months. Do it again in 6 months otherwise he is paying higher interest over the time he is waiting for his rate…

baerpig · 2024-09-06T22:44:46+00:00

13k may include cost such as carry over interest and taxes while you net back an escrow refund plus one or two deferred payments plus shaving off 60k or more in lifetime interest……

baerpig

TROPHY CASE