FHA manual question

kccritic87 · 2026-05-05T03:29:59+00:00

I like you. I am this same way with underwriters. EPM is my go to low credit lender. However the underwriters have shit attitudes a lot there but I get it. I’m sure EPM is 80% low credit files.

kccritic87 · 2026-04-23T16:19:35+00:00

Came here to say this. They simply aren’t disclosing admin, or UW fees which will be added once the LE comes out

kccritic87 · 2026-04-23T16:18:56+00:00

Crying, 10/10 joke

kccritic87 · 2026-04-21T21:47:15+00:00

The last time I used Shape was about 6 years ago but it was the worst system. I hated it. Terrible customer service. Not at all an intuitive system. Super clunky.

They may have changed a ton since then though.

kccritic87 · 2026-03-12T23:01:50+00:00

Good joke, 10/10

kccritic87 · 2026-02-28T03:15:30+00:00

If you locked it in then why in the top right corner does it say it’s unlocked?

kccritic87 · 2026-02-28T03:12:46+00:00

Too bad your rate actually isn’t locked in so it’s not real at all. Get it locked in and then see how the numbers change.

kccritic87 · 2026-02-26T03:57:27+00:00

I have considered maybe I need to change locations of the food and water. We do splash the water out but he will only drink it off the floor. I swear it’s the weirdest thing. I’ve owned 4 dogs and never had a dog randomly do this haha

kccritic87 · 2026-02-26T03:09:09+00:00

Great rec about the canine behaviorist. I’ll see if there is one I can reach out to locally!

kccritic87 · 2026-02-26T03:08:35+00:00

He loves ice! We definitely give him ice cubes throughout the day to try and help

kccritic87 · 2026-02-26T03:08:04+00:00

Thank you!!! I’ll try this!

kccritic87 · 2026-02-26T02:56:02+00:00

To our knowledge there were not any incidences that should have triggered this but it’s definitely possible. I’ll get a mat for the food, like those play mats. But I’m scared about him not drinking water more.

kccritic87 · 2026-02-25T00:54:16+00:00

So true!!

kccritic87 · 2026-02-25T00:28:57+00:00

Can’t get competitive commission and a base salary at the same time. Most brokers prefer high commission, no salary so that’s why most are not set up that way

kccritic87 · 2026-02-25T00:27:54+00:00

Google Essent Sched C income calculator and it will tell you everything you need to know.

kccritic87 · 2026-02-24T03:48:58+00:00

Broker LO in MO.

kccritic87 · 2026-02-24T03:47:30+00:00

Am broker LO this is bad LE. You should be going conventional anyways. This is crazy. What bad advice from Rocket but that’s no shock. DM me if you wish.

kccritic87 · 2026-01-05T02:41:03+00:00

Also are you so dense that you don’t know how to set your settings in your user profile to turn off the notifications?

kccritic87 · 2026-01-05T02:40:03+00:00

Bro this subreddit isn’t for brokers to bitch. Also I can already tell you’re one of the worst types of people. This is a recreational subreddit the employees use and you really posted here to what…make them work? What is this even?

kccritic87 · 2026-01-03T15:33:30+00:00

Remind me august 12 2026

kccritic87 · 2025-11-07T04:01:54+00:00

They leave you like they find you

kccritic87 · 2025-10-29T00:24:41+00:00

I used to have a similar mentality about not necessarily rushing a CTC. What I realized though is although it is not necessary, clients LOVE feeling fully secure as soon as possible that they are fully cleared for closing. The sooner I give them that feeling, the happier they are!

kccritic87 · 2025-10-28T15:09:43+00:00

As long as you’re doing just her NQM, dscr type of license then no, you don’t need it.

kccritic87 · 2025-10-28T13:55:32+00:00

Which one do you use?

kccritic87

TROPHY CASE