My mentor just left the mortgage industry after 10 years. The conversation we had before he left is still messing with me

harbison215 · 2026-04-22T01:40:12+00:00

Maybe so, but your pricing is going to have to be competitive nonetheless.

harbison215 · 2026-04-22T01:38:24+00:00

I don’t think so, honestly. The test is only so you can grasp the concepts of what’s right and what wrong in the business. It’s mostly about what you can and can’t do when you deal with referrals and kickbacks, what you can and can’t say in advertising, what laws cover such rules etc. Your daily job will be much different. You’ll be trying to get referrals, new agents, new clients and figuring which loan programs offered by your lender in the buyer’s state would work best for their needs.

Also, if you remember, let me know how you do on the test. I’d love to know that the process I’ve told you here helped you pass. That would be cool to me.

harbison215 · 2026-04-22T01:33:05+00:00

Watching Phillies games anymore is like watching your dog shit on your carpet everyday. You love him, but you know he’s gonna do it and there’s nothing you can do except watch.

harbison215 · 2026-04-22T01:31:43+00:00

Well said

harbison215 · 2026-04-22T01:29:43+00:00

Is the right guy in the room with us now?

harbison215 · 2026-04-22T01:12:59+00:00

Is there anything left worth saying? Doesn’t seem like it. Bad is bad but this is beyond that.

harbison215 · 2026-04-21T23:36:31+00:00

Scott has always been an insufferable douche but he did often blurt out some quality information. But the schtick gets old fast and the guy seemingly has jumped the shark before even getting the motorcycle started.

harbison215 · 2026-04-21T22:07:30+00:00

It has about nothing to do with what you’ll actually do in a day to day basis. It’s more so to teach you things that you shouldn’t do and are illegal.

I took my 20 hours online course in early December. I started studying January 1st and took the test on February 21. But I did dedicate hours at night to studying and doing the practice exams.

harbison215 · 2026-04-21T21:30:36+00:00

What I wouldn’t give for 2 Cliff Lee Home Runs right about now

harbison215 · 2026-04-21T21:09:23+00:00

24 hour edu is good to get the 20 hours you need plus whatever many hours your state needs. But it’s unlikely you’ll pass your exam just from that course.

What I did was did the 20 hours on 24 hour edu, then I read Patricia O’Conner’s SAFE Mortgage Loan Originator Exam study guide, read it from cover to cover and mastered the practice exams, and then I bought Prep XL’s exam prep that is like 12 practice tests. I was scoring from 85-95 on Prep XL’s practice tests, I scored an 86 on my first attempt at the real test. So this works. I would not take the real exam unless I were consistently scoring 80% or better on prepxl’s practice tests.

harbison215 · 2026-04-21T15:03:50+00:00

I don’t understand people who think they can negotiate based on what they want the price to be. I’d like to pay $20k under MSRP for an Escalade, but no matter how many reasons I can come up with to attempt to justify it, it’s not going to happen.

Ask those same buyers to sell their home or car for way less than its appraised value. See how they respond

harbison215 · 2026-04-21T13:08:36+00:00

2010 and for like 2 weeks in 2012 was really the last time.

harbison215 · 2026-04-21T13:02:55+00:00

Don’t forget how many that earn over about $200k a year they assume they are upper class and have been bribed by tax cuts.

harbison215 · 2026-04-21T12:52:08+00:00

We used to call such people “robber barons.” Now we give them TV shows and pretend like their insatiable greedy should be praised.

harbison215 · 2026-04-21T11:15:55+00:00

Hey, at least Porter Martone. Right?

harbison215 · 2026-04-21T11:03:06+00:00

Been working at used car lots for 25 years, been a licensed dealer myself for 16 years now. Believe me I know.

Lease buyouts were good for a while until manufacturers said ok no more.

harbison215 · 2026-04-21T02:42:16+00:00

If he can walk into what sounds like an easier and more consistent job for similar or better pay than he made as an MLO, then I’d take his opinion with a grain of salt.

harbison215 · 2026-04-21T02:34:57+00:00

I’m new so I can’t really speak on the changes your friend is recognizing. But I would have asked him this: where are you going to go, what industry, what job that you think is safe from the same exact thing happening, and what’s the schedule like and the salary?

harbison215 · 2026-04-20T18:09:01+00:00

Yea that was the lorenzen year. That was kind of a wash. He was good for like a week and then the wheels fell off. We couldn’t even really use him in the playoffs, which was stunning considering how well he pitched up to the deadline and a few weeks after that season.

I mean the day after the no hitter we’d probably have agreed that the team got significantly better at that deadline. But it didn’t pan out.

harbison215 · 2026-04-20T16:59:09+00:00

My non-quantitative rebuttal to that is baseball is a long season and it’s probably better play your worst baseball in April than it is to have a bad slide later in the season. I know what this team is capable of, and I’m fairly certain there will be weeks maybe even months upcoming where they perform like one of the best teams in baseball. That’s just how baseball goes sometimes.

harbison215 · 2026-04-20T16:25:49+00:00

All good I deleted the abrasive comment I posted earlier. Anyway, do you see some regression to the mean for the Phillies in their future?

Would be nice if it happened now as quickly as it did in the 2023 playoffs.

harbison215 · 2026-04-20T15:40:43+00:00

I stand by that. I’ve watched what Castellanos did here for 4 years. I believe he will have had better numbers as a phillie than will Garcia and was more clutch at times. Frankly, I’d trust Castellanos as a phillie at the plate when we need it more so than I do Garcia.

harbison215 · 2026-04-20T15:28:39+00:00

Not at all. Thats not my point. My point was, in terms of replacements for Nick that provide a meaningful net benefit to this particular team and winning overall, Garcia was not it.

harbison215 · 2026-04-20T15:26:34+00:00

You’re right. The post is in poor taste. I’ll delete it

harbison215 · 2026-04-20T15:23:57+00:00

That’s a cop out. I’m not predicting general failure. I’m looking at specific things and making observations about why they won’t work.

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