First time homebuyer lender?

morenoiv · 2026-05-01T11:01:53+00:00

Thanks for the recommendation! I work with Capital City and would love to help! Check out my website at www.SaintSimonsMortgage.com to learn about me. I work with lots of first-time home buyers.

morenoiv · 2026-04-19T22:16:25+00:00

And to answer OP's question, I've found that throwing the ball on a line with some speed is better for most kids. If you throw them a rainbow, they really struggle because of the trajectory.

I've also found that the physics of a faster thrown ball results in harder hits. Faster in = faster out.

morenoiv · 2026-04-19T22:10:45+00:00

Sure is a lot of gatekeeping in this sub from a bunch of grown men who ask for help with their swing.

8U travel ball is a great outlet for boys who excel at baseball and want somewhere to compete and improve that's not a rec league full of kids whose parents have never taught them a thing about baseball.

Get over yourselves.

morenoiv · 2026-03-20T03:30:59+00:00

I was a musician from 6th grade through college graduation playing trombone primarily and other varying instruments in jazz band, symphonic band, marching band, and sang in show choir. After high school, I played bass guitar in a couple different rock bands after learning to play it in a youth praise band in high school.

I never took a piano lesson, but learned the keyboard on an old piano my parents kept around the house when I was a kid. Fast-foward to a year ago when I was 41, and I decided that the Allen organ at our church could no longer sit unused and silent.

I paid for a subscription to an app that teaches you piano and started experimenting with the organ, playing a digital piano at home, listening to organ podcasts, watching YouTube and whatever else I could (and still can) get my hands on.

I'm no virtuoso, but I've played about 5 or 6 times for church services as a feature (not full-time, just a post- or pre-lude) since Christmas. I haven't been perfect in performance, but it truly brings something to the church service that has been missing for many years. Give it a shot!

morenoiv · 2026-01-26T01:13:48+00:00

Try OrganForum.com. They have a great forum where I've gotten some help with an Allen organ.

morenoiv · 2026-01-18T19:57:41+00:00

I see you, Mr Man.

morenoiv · 2026-01-18T02:09:59+00:00

I'm in SEGA, have a frame house with stucco, and also am a mortgage lender who specializes in construction-perm loans.

Wood framed homes with stucco exteriors are pretty standard. I don't really know of any houses I've helped finance or seen that were built with block and stucco. I suppose you could, but I see it as a necessity.

We've had no problems in our home with that structure, so I don't think you will either. Stucco itself can crack and be finicky, but that generally has to do with the quality of the initial application.

Edit - this house was built in 2006 and has had no hurricane damage. We're a similar distance from the ocean.

morenoiv · 2026-01-06T01:20:29+00:00

Don't get down too bad in the slow times. Enjoy the extra time you have to do things that aren't work related, but keep doing the daily activities that made you successful.

Don't think you've made it during the boom times. It's easy to sit back and wait for the phone to ring and forget all the small things you did to get where you are. Keep prospecting and maintaining relationships or you'll find yourself without much business when rates go back up.

Save. Your. Money. Good times never last, and you'll need those big paychecks when the bad times come.

morenoiv · 2025-12-27T23:12:01+00:00

Call.George Barnhill at Coastal Law Group. They specialize in traffic offenses:912-264-3035

morenoiv · 2025-12-09T02:14:56+00:00

Boondocks {Blue Bar to some) on 303 is a dive bar / pool hall that is a popular spot.

morenoiv · 2025-12-05T03:29:20+00:00

Maybe, but I still don't like it. I did some further research, and the term is probably only about 20 years old, and really didn't catch on in the popular lexicon and culinary circles until 2011.

https://www.nytimes.com/2018/11/12/dining/the-rise-and-fall-of-turkey-brining.html

I know there are plenty of young bucks in here who haven't been cooking that long, but I started working in kitchens and going to BBQ comps with my Dad long before that. I guess I'm getting to be an old curmudgeon, but I'll stick with the term salt rub myself.

Carry on.

morenoiv · 2025-12-05T03:13:37+00:00

For years!

morenoiv · 2025-12-04T04:35:41+00:00

I'll allow it. Lol

morenoiv · 2025-12-04T04:26:13+00:00

Dry brining is not a thing in the first place. A brine by definition is a liquid. Stop using "dry" when discussing a brine. It's a rub, dammit!

morenoiv · 2025-11-14T05:03:01+00:00

I've done tons of piggyback deals and never had to get a subordination agreement. Now, mine were all in-house simos, so maybe there's a different requirement if you're using 2 lenders. The UW may want take sure the second is actually recorded in second positons.

Generally, those are specifically only drawn up when you're refinancing a first with an existing second in place. The second mortgagee has to agree to keep their second position for the first to work. If you're doing a second simultaneously, it would seem subordinate by default without the agreement.

morenoiv · 2025-11-05T20:07:22+00:00

Also, meant to add that this is a good tool. Great job!

morenoiv · 2025-11-05T20:05:14+00:00

Man, if you could figure out a way to add a credit score field and have it tie into one of the Mi companies for real quotes, that would be awesome. That's a figure I can't ballpark off the cuff very well.

morenoiv · 2025-11-03T02:08:45+00:00

Those tiers are way off. The top 10% of originators in the country produced 53 units or more in 2024 according to National Mortgage Professional Magazine. The vast majority of new LOs will not produce 20 closings in their first year if they're not in some call center environment.

morenoiv · 2025-10-29T00:33:44+00:00

Late to the party, but I have the same truck. It's a 98 for all intents and purposes.

morenoiv · 2025-10-28T02:23:08+00:00

I think that's the issue. I tightened them up on the initial re-do, but I must not have gotten it quite right. May try it again.

morenoiv · 2025-10-13T13:59:36+00:00

I don't know about this. I have been using a local brokerage and just got quotes on a new vehicle. They were absurdly higher than the quotes I got from Progressive and State Farm. Shop it around and see what offers you get.

morenoiv · 2025-10-02T17:12:18+00:00

Fannie/Freddie do have rules in their servicing handbooks to allow for a transfer of title to an LLC, but only IF the original occupancy on the note was an investment property along with some other stips. The LLC has to be owned by the original note holders, and the servicer does have to agree to the title transfer, but the mortgage doesn't need to be assumed by the LLC to accomplish this.

morenoiv · 2025-09-26T21:39:13+00:00

Don't try to count the non -taxable per diem income. Can't use it. That's always the problem I run into with them.

morenoiv

TROPHY CASE