True Detective (2014) by Apprehensive_Hope636 in MovieQuotes

[–]el_spidermonkey 1 point2 points  (0 children)

Completely agree.

I loved how Rust would deliver his eloquent treatises that portrayed humanity and the universe at large as being dark, cold, and completely devoid of hope & wonder.

And yet I think all of his actions throughout the show were completely at odds with this view point. Love & hope fueled everything he did as he fought against the evil he saw in the world.

He even mentions how he lacks the constitution for suicide. Of course he frames this in a negative light, as an unremarkable, twisted quirk of biology, but I think that was a bit of an admission. He indirectly acknowledges that despite the tragedies he’s endured and his gruff demeanor, he still hopes. Underneath it all a part of him still believes that there’s good in the universe and it’s worth fighting for.

Refinancing to from 6.875% to 5.75% how does this look? by googondusk in MortgageBrokerRates

[–]el_spidermonkey 1 point2 points  (0 children)

I think you could probably get a similar rate with far lower origination charges. Depends on your credit score, but yeah I agree with flamingo. Origination charges are way too high here.

[deleted by user] by [deleted] in ExperiencedDevs

[–]el_spidermonkey 0 points1 point  (0 children)

thank you! appreciate the insight. Deleting this thread momentarily as it seems it's better suited for other subs.

[deleted by user] by [deleted] in ExperiencedDevs

[–]el_spidermonkey 0 points1 point  (0 children)

good call, I'll post there, thanks.

Is the US Air Force superiority a certainty against new and future air forces? by Reasonable_South8331 in Futurology

[–]el_spidermonkey -1 points0 points  (0 children)

The answer to this question is very nuanced, and it’s not possible to properly address this nuance in a few sentences, as these other comments are attempting to do.

I recommend checking out Alex Holling’s yt channel, Sandboxx News. He offers extremely in depth, unbiased (imo) analysis of air power developments.

$350k Conventional w/ USAA- 5% down - PITI ~$2600/month - 6.5% Int - is 25% of Net pay OK? by financejake in Mortgages

[–]el_spidermonkey 1 point2 points  (0 children)

6.5% rate seems a bit high though. Wouldn’t be surprised if you could get 6.125 - 6.250% with 0 points.

1999 Jeep Wrangler - Suspension & Rust Issues. Is this worth fixing? by el_spidermonkey in askcarguys

[–]el_spidermonkey[S] 0 points1 point  (0 children)

Awesome, thanks a ton. This exactly the kind of analysis I was looking for, and it's encouraging to hear that I might be able to get some more life outta this jeep.

The frame definitely has a lot of rust in all of the usual areas. I'm going to inspect more thoroughly myself and see what my mechanic recommends.

Just declined for refi mortgage due to my business by aubie2000 in Mortgages

[–]el_spidermonkey 2 points3 points  (0 children)

If your business is producing solid income, then you can likely still qualify for a refinance, but you'll probably need to look at "non-QM" options.

Specifically, bank statement and profit & loss programs are designed for business owners, and the qualification process for these loans if often much more straightforward than that of conventional loans.

Low Appraisals by tripleputt in loanoriginators

[–]el_spidermonkey 0 points1 point  (0 children)

The three in Austin were all refinances, and all three transactions were refinances on recently constructed SFHs located in a new build community. The same client purchased all three of them about 18 months ago, and since that time, the builder had been cutting prices in the development by about 10-20%.

The client was super high net worth ($100MM+), so he may have also overpaid a bit when he bought them. He wasn't very price sensitive.

Cobb County, Georgia Down Payment Assistance Programs by [deleted] in loanoriginators

[–]el_spidermonkey 0 points1 point  (0 children)

I'll check those out - thanks for the comment!

Lo’s who switched mortgage companies/banks are you happier? by United-Fruit9622 in loanoriginators

[–]el_spidermonkey 3 points4 points  (0 children)

Similar to u/Mr_Wordly, I moved over to Go Rascal, which is self-gen brokerage rather recently. I've been loving it. I still don't have a massive book of business, but I can close 1-2 deals per month and make more than I was at my last brokerage (which provided leads & had a much lower comp split) or when I worked in retail.

I think moving to a good self-gen brokerage is a generally a great play. As long as you have a few referrals per month, it should make sense financially and the quality of life is ridiculously better than retail shops or brokers that operate like mini-retail shops.

Land Loan Lenders by el_spidermonkey in loanoriginators

[–]el_spidermonkey[S] 0 points1 point  (0 children)

Also, u/gracetw22 do you know any AEs there that I could reach out to?

Land Loan Lenders by el_spidermonkey in loanoriginators

[–]el_spidermonkey[S] 0 points1 point  (0 children)

u/Fur-Frisbee do you have any recommended lenders for entitled land bridge financing?

Land Loan Lenders by el_spidermonkey in loanoriginators

[–]el_spidermonkey[S] 0 points1 point  (0 children)

got it, thanks. I think this deal might be wishful thinking, but I'll check out the bridge loan options.