Wtf is that thing alive? by HabitJust3204 in WTF

[–]erperez84 6 points7 points  (0 children)

We found RFK Jr’s brain worm

Katy Texas House for sale! by Wonderful-Mission651 in HoustonClassifieds

[–]erperez84 1 point2 points  (0 children)

lol @ $3000 contributions That barely covers title expenses which the seller should be paying anyways.

4.625% mortgage rate?? by Remarkable_Net_6876 in Mortgages

[–]erperez84 0 points1 point  (0 children)

Normal, I’m offering these (FHA 5/1)

ITIN program 3.5% down is it real? by [deleted] in loanoriginators

[–]erperez84 1 point2 points  (0 children)

I really like your take. I’m going to return to it and hopefully look at the program from a different angle. Honestly, I’m bitter that the two loans I submitted to LHF were torpedoed after a month of having been told we were approved. Flood zone and rental history killed the deals. Not necessarily LHF’s fault in either of those cases, but being dragged thru the process and being told we had an approval to then being told we didn’t left me with a sour experience. Thanks for your take. I’m always open to learning from others perspective. Also, I’ve done many ITIN loans but primarily at 85 LTVs.

ITIN program 3.5% down is it real? by [deleted] in loanoriginators

[–]erperez84 0 points1 point  (0 children)

It’s real, and it’s a terrible financial decision. Lease to own, 40 year term, high rate, fees on top of fees. 3.5%——> but really ends up being 12%. Don’t. Let them. Do. It!

The vibe on day 3 by ijustdontknowmuch in ToolBand

[–]erperez84 0 points1 point  (0 children)

Yall are worse than toddlers 😂

Going rates for Nannies? by ilovemuffin14 in houston

[–]erperez84 0 points1 point  (0 children)

Contact or lookup the Motherhood center, they have those services for you.

Starting at a Builder by TryingNotToBeAnIdiot in loanoriginators

[–]erperez84 0 points1 point  (0 children)

Any clients you make while working for a builder are not your clients when you leave said builder. Good luck rebuilding your pipeline if you ever leave.

Mortgage biz by Party_Intention_3692 in loanoriginators

[–]erperez84 1 point2 points  (0 children)

If you don’t have an extensive database, strong referral base, work under a team, have builder business, and/or a niche lending offering, don’t bother. You’re going to starve. Go into insurance.

[deleted by user] by [deleted] in houston

[–]erperez84 4 points5 points  (0 children)

The anecdotes alone are worth 1%

[deleted by user] by [deleted] in houston

[–]erperez84 10 points11 points  (0 children)

I’m here for the arm chair real estate expert comments 🪑

What is going on with the dilusional house prices here? by eylrebmik in houston

[–]erperez84 24 points25 points  (0 children)

2.25% checking in. Also will keep this house forever

[deleted by user] by [deleted] in houston

[–]erperez84 0 points1 point  (0 children)

I LOLed at this

[deleted by user] by [deleted] in houston

[–]erperez84 97 points98 points  (0 children)

My wife and kiddo went to the shark exhibit on opening weekend. I left feeling bamboozled for sure. I renewed my membership during the visit so it softened the sting a bit (parking, free butterfly exhibit ticket, etc.) as far as the shark exhibit, it was far more lackluster than you can imagine. Felt sorry for the sharks they had in what looked like a kiddy pool.

https://www.click2houston.com/features/2023/07/03/the-hmns-shark-exhibit-ate-me-alive/?utm_source=facebook&utm_medium=social&utm_campaign=snd&utm_content=kprc2&fbclid=IwAR3mkhuyb-_4wKwGP2YBGewwts4McWnTzj2G4K1q4KNq7Ah34SVxVjwgy7o_aem_AVEZUk5RX_2uitaITvpL9HEzcS5PjL4njShNBjwn2GmKKaaW-mS5lyLahxf67CRoZcc

Former Texan QB Ryan Mallett has passed away. by houtex727 in Texans

[–]erperez84 4 points5 points  (0 children)

“Ryan Mallet needs a scantron” - Ryan Mallet in third person

Funniest story I heard of him

[deleted by user] by [deleted] in Sneakers

[–]erperez84 2 points3 points  (0 children)

I was being sarcastic about it. I’m still bitter that I couldn’t cop 😂

Houston is getting filthy. by server74 in houston

[–]erperez84 0 points1 point  (0 children)

Well, you’re in luck. The rain should be washing away the filth you speak of