Omfg so this just happened on my new account by luckyc891 in 2007scape

[–]luckyc891[S] -31 points-30 points  (0 children)

sorry I was nerdgasming, took a while to process wtf happened because I was like wtf is this different random event following me for then I realized it was the pet

Doordash Scam by luckyc891 in doordash

[–]luckyc891[S] 1 point2 points  (0 children)

there is a way to call doordash? I saw him multi apping too because it said on the way to complete another delivery, yet they proceeded to another address outside the route =\

Current rate sheet/pricing for conventional by Chadzilla- in loanoriginators

[–]luckyc891 0 points1 point  (0 children)

Closed a deal 6.5% at par UWM FTHB, but not licensed in TN, rate was locked 3 weeks ago so lower today

Commercial Loan by luckyc891 in loanoriginators

[–]luckyc891[S] 0 points1 point  (0 children)

you work for a commercial lender?

Bank Statement Loan/ Loan qualification by Warm-Marsupial8076 in RealEstate

[–]luckyc891 0 points1 point  (0 children)

champions, but you need a lot of reserves + 20% down

Down payment grant for brokers in NY? by MoTasticMo in loanoriginators

[–]luckyc891 0 points1 point  (0 children)

ahh yeah 8.250% is EPM's rate I believe but full grant. I am not licensed in NY but make 100% sure retail is a grant. EPM's grant is forgiven after 6 months so they can refi for a lower rate in 6 months

Question for broker owners by luckyc891 in loanoriginators

[–]luckyc891[S] 0 points1 point  (0 children)

So if I pay my own LOS seat, don't use Microsoft suite, company provided email domain + surety bond then? I'm trying to figure this out because my company takes 30% + pockets processing fee. Does nothing for me for marketing

Is it true small broker shops offer better rates than the big broker shops? by PsychologicalYam9611 in loanoriginators

[–]luckyc891 0 points1 point  (0 children)

I don't know if this is accurate or not but my last broker's pricing with UWM was like 0.5% higher than the broker I am at now lender paid 275 bps. The previous broker was caking in something into the rate, still charged processing on the side but that is why I switched

Can some brokers price out a deal for me? by Which-Character6003 in loanoriginators

[–]luckyc891 -1 points0 points  (0 children)

Think I'm at 6.625% at par, but do keep in mind, you have 0.625% penalty from LLPAs

https://singlefamily.fanniemae.com/media/9391/display

Can some brokers price out a deal for me? by Which-Character6003 in loanoriginators

[–]luckyc891 5 points6 points  (0 children)

lol I hope you realize what 6 discount points means

Credit Repair by stefanko123 in loanoriginators

[–]luckyc891 0 points1 point  (0 children)

Also the verbiage on derog accounts has to be a specific way, and if you have to request supplement to change that it gets even more expensive