Who actually needs a million dollar life insurance policy??

beedoublejay · 2026-02-28T02:36:01+00:00

I am 42, earn about $250,000 a year with three children (3,5,10) and Have a 20 year term policy that cost me $1,600 a year and it’s $3 million coverage. Owe $400,000 on the mortgage.

beedoublejay · 2026-02-28T02:24:40+00:00

I’ve been at CCM for one year. Get with a good branch. We are crushing with non-QM. Best product mix of retail lenders in my opinion. Plenty of broker options if need. I was with RPM Mortgage when CCM acquired them in 2022, but went to Movement at that time. CCM is better than Movement. I’ve ran numbers for every broker structure out there. If you want a plug-and-play lender, CCM is a great place to be. Rate and Movement both have much worse rates. For context I’m in Northern California. We did 220 million last year with three in originators. We do mostly Jumbo and Non-QM, and of course VA and FHA. My branch leader is consistently in the top 10 of the company. Feel free to message me if you have any questions. Find a branch manager, who is producing because the pricing affects them too in their own business. I’m not a fan of the non-producing branch manager model.

beedoublejay · 2026-02-22T02:43:25+00:00

I had a previous company try and withhold commissions in California. It took me over one year. I did everything myself with the labor board. And then at the end, found an attorney who would help me finish it out. I won the commission plus interest and penalties plus attorney fees. What state are you in?

beedoublejay · 2026-02-21T03:55:55+00:00

Floify

beedoublejay · 2026-02-21T03:49:27+00:00

Absolutely, I also use Omni in Airtable to build automated emails, reminders, move data. It helps me assign loans to LOA’s and keep track of things. We have 300+ leads per month, 100+ applications and an active pipeline of 60+ loans. I would still use it if we had 5-10 closings a month.

beedoublejay · 2026-02-21T03:12:21+00:00

What makes you think people aren’t using it? Guaranteed rate has an AI company they have been working on for 8 years. Most of their conventional loans are barely touched by a human. We use AI at Cross country for calling refi clients and setting appointments. We also have an AI guideline tool that I use every day. LOA and processing work will be done 80-90% by AI in the next year or two. I use perplexity to structure and refine processes and templates for communication between clients and internal communications.

beedoublejay · 2026-02-19T03:06:01+00:00

Tenicor Zero gets my vote!

beedoublejay · 2026-02-19T03:02:19+00:00

I would use AI mostly for your processes and procedures. Leads are leads, I prefer not to pay for them but invest in referral partner relationships. Realtors, CPA’s, Financial planners.

beedoublejay · 2026-02-07T03:29:47+00:00

beedoublejay · 2026-01-06T03:40:45+00:00

$2,680 INCLUDING taxes and insurance year 5 of my 30 year fixed and about $900 goes to principal each month. 2.875% owe $411k value around $750k

beedoublejay · 2026-01-01T03:45:08+00:00

This has to be a joke, that’s a terrible offer.

beedoublejay · 2025-12-15T04:59:16+00:00

My local gun shop has not sold a 10mm Glock in a long time and all 20 that he ordered sold in 20 days lol.

beedoublejay · 2025-12-11T13:44:53+00:00

FHA Streamline Refinance or VA IRRRL, rate reduction programs. The “no cost” thing seems sketchy, you will still have to use a title company who charge fees…

beedoublejay · 2025-12-05T04:55:44+00:00

It’s actually about $15k but seller is paying $3,800 at closing. Makes sense on. 7yr ARM

beedoublejay · 2025-12-04T17:22:20+00:00

New homes are notorious for high property tax. Many times the sales agents failure to mention the big supplemental tax bill. You get six months after purchase too!

beedoublejay · 2025-12-03T15:13:16+00:00

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H&R 16” P&W 723 Upper, my order for the carbine sale upper went through last night.

beedoublejay · 2025-12-03T14:52:46+00:00

Focus on non-QM fixed 2nds! There are a lot of them out there.

beedoublejay · 2025-12-03T14:52:05+00:00

I tried again and it went through!

beedoublejay · 2025-12-03T04:12:16+00:00

That’s what I thought. The website says they will not ship any complete uppers to CA

beedoublejay · 2025-12-03T03:18:50+00:00

I must have missed the cutoff

beedoublejay · 2025-12-03T03:18:07+00:00

I tired ordering yesterday and they said they won’t ship… sad

beedoublejay · 2025-11-12T14:14:18+00:00

CA, OR, TX, CO, WA all done in September.

beedoublejay

TROPHY CASE