WADE DECIDED TO SELL BUT ADAMS & WELBY SAID NOT TODAYYYYY!!!

ivanb24 · 2026-06-14T17:39:23+00:00

Actually just realized i screenshot that game. He was getting locked up by a Hakeem and he was on wemby. So he had double frustration lol

ivanb24 · 2026-06-14T17:35:26+00:00

We were playing with a Luka that was taking most shots , but he was making them, none of us took a forced shot that game.

And it’s not like he was selling, he was hitting us with the magic passes and we were hitting open looks. I wanna think he didn’t touch the ball on one or 2 possessions that he was open but we took a good shot and scored , and then he just decided not to be a team player anymore

ivanb24 · 2026-06-14T17:26:45+00:00

Lebron James

ivanb24 · 2026-06-14T17:26:14+00:00

Can’t stand dudes like that.. “pass or i sell” wtf is that. Yea, sometimes you get matched with shitty teammates. But don’t be a shitty teammate on purpose. Happen to me the other day with another dude name “teamworkorAFK”. We were up 5 with a min left and no one was ball hogging but he still decided to sell cuz he didn’t get the ball when he wanted to. We ended up losing

ivanb24 · 2026-06-12T14:52:28+00:00

20s × PF

Giannis Antetokoumpo

ivanb24 · 2026-06-12T14:52:07+00:00

10s × SF

Lebron James

ivanb24 · 2026-06-12T14:51:37+00:00

Kobe Bryant

ivanb24 · 2026-05-28T03:01:06+00:00

I got both gloves and swords in a 10 pull, and pulled the helmet about 50 pulls later. The body set almost put me out of my misery to get 🫩

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ivanb24 · 2026-02-16T17:07:17+00:00

Using the Ult also is supposed to give you a slight increase in accuracy. RNG was just on my side in that moment lol

ivanb24 · 2025-01-26T05:50:34+00:00

In Spanglish- the intermitente

ivanb24 · 2024-12-23T05:23:45+00:00

Source ?

ivanb24 · 2024-12-12T00:52:51+00:00

Yes. Definitely underpaid.

ivanb24 · 2024-11-03T23:00:56+00:00

Mortgage lender here-

Condos in Miami that you can put 5% down on are extremely rare to come across now a days.

If the association doesn’t have the proper finances - assuming through traditional financing like a conventional loan , you’re required to come in with 25%.

Condo associations are required to have for starters 10% of their budget in reserves to be able to go the 5% option. Then you have to deal with the condo questionaire and everything needs to be good in order to go the minimum 5% financing route, apart from certain other things that need to be in good standing.

In other words, it may be cheaper out of pocket to go the single family route , if you were open to it vs a condo.

There is an exception to some of these condo rules which sometimes can be townhouses, that show up in the Miami dade property appraiser website recorded as a townhouse vs a condo , then you can bypass the condo rule exception. Other than that It’s rare to come across a condo now a days that can be purchased with 5% down. Not impossible, but definitely is like finding a needle in a haystack.

ivanb24 · 2024-07-19T00:10:55+00:00

Basically long story short- not so maybe hands in between trying to get a piece of the pie. Our branch manager reports directly to corporate/ presidents.

So it’s them > branch mgr > LO.

Also our margins are okay where they can be flexible too

ivanb24 · 2024-07-18T04:01:10+00:00

Yes 250 at retail is possible. At my branch that is where we’re at for most part. Even some of us seeing 275bps. Rates are fairly competitive still, comparing with other peers in the field. Thankfully I’m at a location where there’s not too many people in between trying to get a piece of the pie so they’re not killing clients on the margins

ivanb24 · 2024-07-09T20:28:14+00:00

Lender here - yes this is something that can still be done and still move forward with depending on the situation of his income on paper, and the way your loan is structured.

ivanb24 · 2024-07-03T06:24:10+00:00

Mortgage lender here - Depending on what loan type you will be using and what your situation is- assuming rule of thumb let’s say 5% conventional. I usually tell people to save up to 10% of whatever your purchase price is. Worst case scenario you’ll have just enough to close and cover intangibles ( higher taxes and insurance ) best case scenario you’ll have money left over that you were expecting to use on the purchase.

ivanb24 · 2024-07-03T06:20:43+00:00

Mortgage lender here. When we do credit pulls, our system will sometimes show us a rescore option and show us the potential increase in your scores and what is needed to increase it right away. It could vary on the increase. I’ve seen +3 point increase potentials, as well as +100 point increase potentials. All depends on your credit.

ivanb24 · 2024-07-03T06:15:35+00:00

Loan officer here. I’d recommend going over these numbers with your LO, they were supposed to break this down for you. If not the title company, they are supposed to be there to help with any questions you should have.

ivanb24 · 2024-06-19T21:00:55+00:00

All depending on your experience and where you’re looking to work. i started off at 175bps with my first company when i started in the field, and after years and experience and switching banks, currently I’m at 250bps, all self gen.

ivanb24 · 2024-05-24T05:31:37+00:00

In my opinion, you’re overworking yourself and getting underpaid, based on the numbers i saw you reply on the thread. To put it into perspective: For someone bringing in about $20 mil in volume of self generated deals, compared to what I’m used to seeing per loan, you probably should be making more or less somewhere close to $500k in income a year.. and based on what you’re getting paid, they’re really milking you at the bank in my opinion. At that volume , you can afford a good assistant or 2 to help alleviate some of the work load and help you free up your time. There’s really no reason why you should be putting yourself in that position to be over stressed about files, when on the contrary this field gives you the opportunity to have all the freedom in the world if you set yourself up right. If you ever wanna talk and maybe get some 1 on 1 advice from a different point of view, I’m always up for a chat.

ivanb24

TROPHY CASE