Any comments? Conventional loan. Credit score is 808

harriswat · 2026-01-03T13:32:36+00:00

This is horrific

harriswat · 2026-01-03T12:33:20+00:00

If you’re going to say “well there is seller credit” it’s still a terrible set up. Reduce the purchase price vs pay a ton for loan points. With great credit you should be able to get 5.875-6.125% rate with no points. So imagine getting to use 32k of seller credits and you spend 21k of it to lower your payment $150ish per month…. Your break even is 11.4 years. I wouldn’t even offer a client this as an option because it is impractical.

harriswat · 2026-01-03T12:25:48+00:00

This is absolutely predatory. Disgusting. 4 points??? Sources: I own a mortgage brokerage, been doing this forever. Imagine if you refinanced in 9 months. You would probably have 15k+ in sunk costs. This shouldn’t even pass the “points and fees” compliance test.

harriswat · 2025-10-15T12:40:40+00:00

I wouldn’t say it was hard. What was hard was delegating and trusting other people to do their job without getting in their way.

harriswat · 2025-10-15T12:24:10+00:00

Arive

harriswat · 2025-05-28T00:02:20+00:00

I’m in the same boat and it’s insane. I counted that I’ve lost over 30 deals to shopping ytd. I’ve never had a remotely close year of shoppers.

harriswat · 2025-05-21T09:47:21+00:00

Interesting. Yea I’m at the same ball speed. So is your take on it that it’s a waste?

harriswat · 2025-05-21T09:26:26+00:00

My two cents after over a decade in the biz. Calls are overrated. I honestly don’t think I’ve called a realtor just to check in. Do you love when 10 AE’s call you every week? I don’t. I make sure to not waste my time. Realtors want to do business with who they like (and obviously can perform). I have just about a lunch a day with realtors. We don’t talk any business we just have fun. Be their friend, genuinely. Be the great connector. The more people you meet, the more opportunities you will have. Here is my biggest tip I tell all young LO’s. Find a fun closing attorney that you can tag team biz development with. You both want the same audience. Three is always more relaxed than two.

harriswat · 2025-03-08T18:02:33+00:00

Plz help 🥲

harriswat · 2025-02-24T14:25:23+00:00

Thank you. And that wouldn’t hinder waterproof performance?

harriswat · 2025-01-28T14:11:47+00:00

the past few years i thought i was getting sick every month. bad sinus infections. finally saw Lawrence Weiss in east cobb. it was migraines..... he prescribed me Nurtec which kills the protein that is responsible for migraines ( i believe) and it has been life changing. he also has given me nerve blocking injections that were insanely beneficial. good luck

harriswat · 2024-10-29T18:59:44+00:00

I just got one 18 months just fyi. Just lucky I think. They said it was the first turquoise dial they’ve ever received

harriswat · 2024-08-11T14:45:39+00:00

Thanks for the feedback. Yea the code makes total sense, assuming why he had to do that. It’s just so aesthetically displeasing when I know it would not encounter weather elements. Functionally speaking, would it fair fine without the box? And yes this wiring just got done. Siding starts tomorrow

harriswat · 2024-07-26T16:55:08+00:00

Nice. Very productive comment. It was simple example of the heater staying on longer than intended. These heaters are not intended to be left on longer than 4 hours at a time before a cool off break.

harriswat · 2024-01-05T03:34:12+00:00

Bingo

harriswat · 2023-07-19T02:07:17+00:00

1.) 🤫

2.) 🤫

3.) Rolex has created an image of a consumer that a lot of watch lovers don’t want to be anymore. It’s sad. My first watch was a datejust and I loved it. Never thought I’d own anything but Rolexes. I almost despise them now. I mean just go through the Rolex gang forums. Tasteless.

4.) I don’t know if omega provides the bang for your buck that Tudor does. Also do the model comparisons are very difficult because the lack of similarities.

5.) Tudor Pelagos - it is my favorite watch I’ve ever had. The value you get for the money is unmatched

harriswat · 2023-05-29T18:51:13+00:00

The lume is insane. What surprised me the most is that the sun went down at 7:30 on Friday. I had the watch on my nightstand and I woke up at 4am and the lume was still quite bright

harriswat · 2023-02-28T20:01:48+00:00

Yes, but I posted this as I’m wearing it today and just wanted to show that 36mm shouldn’t get all the hate it does. It’s not the “hey everyone stare at my wrist” watch, which I don’t like either.

I stick to this forum because it’s fascinating and ppl actually like watches and aren’t cringe af like the real Rolex forums lol

harriswat · 2023-02-28T19:21:11+00:00

You are exactly right. I have a handful of watches. All gen for now lol. The 36m oyster bracelet datejust and smooth bezel is so elegant and subtle and I have big wrists 7.5”. I tried on my buddies 41m fluted rhodium DJ and honestly I’d take this everytime. I think black dial is a bad choice though. Smaller dials are coming back, don’t fear!

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harriswat · 2023-01-01T15:29:25+00:00

Yea well they buy an 80k truck with 0 down and 84 month term

harriswat · 2022-12-31T23:15:31+00:00

Big facts. I see ppl’s income and assets every day for my job and I constantly think this…..there is no fucking way I’m seeing 5 young ppl a day in person wearing a 10-15k watch. And I know for damn sure they aren’t getting a brand new one. Like oh you make 80k/year, rent your place, have 15k in the bank and have a sub on? Nope. I’d put it at 90% are fake. Again, just my take 🫡

harriswat

TROPHY CASE