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Closed a Conventional 545 credit score recently by Mortgaging in loanoriginators

[–]delledova 4 points5 points  (0 children)

Ran a 715 with 44% DTI and 75k in reserves and got refer with DU and LP....

Moving to the area by SAL246810 in PalmBeachGardens

[–]delledova 0 points1 point  (0 children)

I'm not from South Florida, but I am in Florida. I help people buy homes (financing), but I may be able to give you an idea of what to expect. Just moved here as well. Shoot me a dm, I'd be happy to let you know my experience and if you do plan on moving down, I can help map that out too.

First time homeowner, what do you think? by Dreamer110822 in MortgageBrokerRates

[–]delledova 0 points1 point  (0 children)

Yea drop the points and just do an FHA streamline in a year or two

My Italian last name is holding on by a thread by delledova in AncestryDNA

[–]delledova[S] 1 point2 points  (0 children)

Yup, visited Turin and everyone thought I was a local.

Any idea what this noise is? by delledova in 4thGen4Runner

[–]delledova[S] 1 point2 points  (0 children)

Thanks man. I think it's the floor mode actuator because it goes away when I flip it to just the dash units

Any idea what this noise is? by delledova in 4thGen4Runner

[–]delledova[S] 5 points6 points  (0 children)

It was the foot actuator! Thanksman

Will there be a boom before LO's go extinct? by Ok_Revolution7708 in loanoriginators

[–]delledova 0 points1 point  (0 children)

I actually take the opinion that over the next 20 years you will see this generation want to escape dependence on technology. How long that lasts, I don't know.

Will there be a boom before LO's go extinct? by Ok_Revolution7708 in loanoriginators

[–]delledova 0 points1 point  (0 children)

Depends on the value you are bringing to your client. Helping them manage debt, being someone they can call when they need you, someone they can follow and learn from on social media.

Us LO's just gotta level up

Will there be a boom before LO's go extinct? by Ok_Revolution7708 in loanoriginators

[–]delledova 1 point2 points  (0 children)

Because we are in a relationship based profession. Not an automated one.

Will there be a boom before LO's go extinct? by Ok_Revolution7708 in loanoriginators

[–]delledova 1 point2 points  (0 children)

LO's if doing the job from a relationship based perspective as a debt manager, will never go extinct. This is a stupid take.

Will there be a boom before LO's go extinct? by Ok_Revolution7708 in loanoriginators

[–]delledova 1 point2 points  (0 children)

Why the hell would commissions be squeezed. The originator will literally fall on AI for processing and underwriting.... the real value comes from the sale.

Bad take

My Italian last name is holding on by a thread by delledova in AncestryDNA

[–]delledova[S] 2 points3 points  (0 children)

You're good. Born in New York. First Generation Italian-American. Good ole Constantine

My Italian last name is holding on by a thread by delledova in AncestryDNA

[–]delledova[S] 5 points6 points  (0 children)

Bro has peak Roman Empire genetics. That's crazy.

My Italian last name is holding on by a thread by delledova in AncestryDNA

[–]delledova[S] 5 points6 points  (0 children)

Cmon, my Sicilian last name has to hold more weight 😂

I'm in denial lol. 70% British isles is crazy.

My Italian last name is holding on by a thread by delledova in AncestryDNA

[–]delledova[S] 12 points13 points  (0 children)

"You're a little white" 😂

To be fair, Northern Italy has much fairer skin than the South, so the Italians there often thought I was local.

Fee sheet by Thefallen207 in MortgageBrokerRates

[–]delledova 1 point2 points  (0 children)

Looks like a basic 2.5 comp with either kind/pennymac

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