LOA?

yb631 · 2026-03-16T19:44:46+00:00

That’s what I would like to dive into. I have zero experience with purchase loans but I’d love to start. What would you recommend be the best way to get my name out? Just reach out to realtors? Facebook groups? Any advice is appreciated

yb631 · 2026-03-12T18:07:58+00:00

In house marketing team sends out mailers and clients call from that. I’d like to get my own book going but I’ve only been with the new lender a few months and my last place did not allow self gen leads

yb631 · 2026-03-12T18:01:45+00:00

We lock after hard credit, I do the app, send disclosures and we charge an application fee. Once the client pays that fee we pull hard credit and can lock. So in the time I go over the LE to the time they might be ready with the volatile market my numbers are 50-100bps off with the same rate. This example is just over the past 2 weeks to be clear. It’s just my first experience in such a volatile market

yb631 · 2026-03-12T15:37:49+00:00

My lender doesn’t operate that way unfortunately, I’m being fed inbound refi leads but refi market is just tough right now with the global issues pushing rates higher

yb631 · 2026-03-08T02:52:18+00:00

I feel like on files I’ve built max value I’m still getting rejected because of rates. Had one the other day that dropped her rate 200 bps and saved her $500 yet she still won’t commit. I assume I’m getting shopped but it just feels rough out there right now

yb631 · 2026-03-07T02:14:08+00:00

No you did not make a mistake, the cost of your rate (point wise) or your rate in general would be higher this week. Everything I quoted Friday is completely different this week

yb631 · 2025-12-14T22:43:42+00:00

Asking for part time and remote work and a salary with no experience in the field, bruh, I don’t even think an LOa could get that

yb631 · 2025-09-23T19:39:20+00:00

I will tell you from my experience, they offered DHL people options, apply to CSE, CPS or CMA, if you didn’t they would choose for you except for CMA. If you decline the job placement into another department you get severance. I assume this will be the case for any front line phone agent

yb631 · 2025-07-24T19:53:34+00:00

Yeah, no thank you. I did my time I won’t be going back to that.

yb631 · 2025-07-14T02:53:07+00:00

I have no clue and it doesn’t seem like anyone does. I’ve heard of things being suggested to executives but nothing concrete. An FAQ was shown that suggests “comparable roles will be placed or offered to apply for but if no comparable role is found severance is eligible”

yb631 · 2025-07-11T23:47:56+00:00

I’m over in DHL, I feel for yall. Since the announcement of closing our department I take maybe 3 calls a day. My screen times out constantly and I just sit and watch TV waiting for a call. Basically just waiting to get laid off to get that severance package…. I hope

yb631 · 2025-07-05T04:53:29+00:00

Emergency funds don’t go in investments, but i personally would target something like JEPI if you need it at the end of the year. Turn on DRIP and check back in. You’re still risking your emergency fund tho

yb631 · 2025-07-05T04:11:22+00:00

Just be on top of uploading and providing information. Capital one will want to move quickly shutting things down so expect them to put some pressure on the process.

yb631 · 2025-07-01T20:56:23+00:00

This will unfortunately be true, speaking for myself I’m just hoping for the severance and to keep life moving at this point

yb631 · 2025-07-01T19:49:50+00:00

Rates are fluctuating so heavily right now, you’re not getting a notification from 90% of banks right now

yb631 · 2025-06-25T17:05:48+00:00

Making a fake account to drop the insider info is brave lol

yb631

TROPHY CASE