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#11
Old 10-01-2008, 04:09 PM
Sinisterevo
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Originally Posted by rambov View Post

John Mc Cain is the best damn guy I know. He's just is. He's a ****ing Maverick like Tom Cruise in that movie.....
that was funny.
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#12
Old 10-01-2008, 04:38 PM
PBDS
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Originally Posted by Cptn. Howdy View Post
the only true definition for a subprime loan is a loan that does not conform to Fannie/Freddie guidelines. funny thing is though, Fannie/Freddie would purchase certain loans that were even too risky for subprimers to touch.

how many times Peebs would you just play with D/U to get a wacky acceptance out of the blue!

...ha ha ha You don't even know. I never put in assets on a refi unless I needed them to get an approval. I loved fast and easy or the findings that ask for a verbal VOE and no income docs.
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#13
Old 10-01-2008, 04:41 PM
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Originally Posted by rambov View Post
This is all the democrats fault and I must say that I knew it!
The Democrtats are the devil and the Reps are God
The Dems hate freedom and the Reps want freedom

John Mc Cain is the best damn guy I know. He's just is. He's a ****ing Maverick like Tom Cruise in that movie. He's a ****ing war hero man! He ****ing rocks! He flew a plane damit and he got shot down and he survived the ****ing crash.





I just have to say that I have worked with 100's of people and Acorn is a great program.
It helped people (white and black) afford homes with no money down. In Boston, the Average home costs well over 300k. Acorn helped my middle class friends a lot. They provided them with a low interest rate as well and I am proud to say that they are still in their homes to this day!

Just had to say that.

....So, you know for a fact that all of them are still in their homes? I call bull**** on that. Look, 100% loans should have never happened. If you can't save the 5-10% to buy a house then you shouldn't own a home anyway. You have no skin in the game whatsoever and it means that you are a couple of bad months away from losing your home in a matter of months. That whole concept was stupid. Homeownership is a priveledge and not a right of every jackass walking the streets.
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#14
Old 10-01-2008, 04:44 PM
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Originally Posted by PBDS View Post
...ha ha ha You don't even know. I never put in assets on a refi unless I needed them to get an approval. I loved fast and easy or the findings that ask for a verbal VOE and no income docs.
exactly. the automated underwriting let you throw endless amounts of hypothetical scenarios until one of them broke through. it's weird though cause we always looked at Fannie/Freddie as absolute safe and guaranteed.

these 2 organizations that were established by the government and then got out of hand once privatized. yet everyone's saying to keep government regulation out of everyone's business...
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#15
Old 10-01-2008, 04:51 PM
PBDS
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share a bottle of wine with me? - Blood_Child  Wlad is #1! - Mike Tyson77  Wlad KO11 Thompson!!!! - Mike Tyson77  Cheers to Wlad! - Tunney  Great win! - !! Mr. Soprano 
.....His Mom is still living at 96 and she's sharper than you are right now. - Bendigo  Here's that beer I promised you. - The_Bringer  Pop Bottles for the Rays!!!!! - Mike06j770  Vitali rules. I hope your stream is better next time. - BatTheMan  Vitali!!!! - Mike Tyson77 
Merry Christmas - msagrain  Merry Christmas Pat!!!! - Blood_Child  Top Dog!! - Welter_Skelter  Cheers to Vitali! - Marciano 49-0  Vitali wins!!! - Mike Tyson77 
Sorry we got off on the wrong foot... no need to take things that seriously. - reedickyaluss  No Message - Dick Valentine  Cool cat, funny poster. Have a drink on me homey. - mangler  A lord of boxingscene - frankenfrank 
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Quote:
Originally Posted by Cptn. Howdy View Post
exactly. the automated underwriting let you throw endless amounts of hypothetical scenarios until one of them broke through. it's weird though cause we always looked at Fannie/Freddie as absolute safe and guaranteed.

these 2 organizations that were established by the government and then got out of hand once privatized. yet everyone's saying to keep government regulation out of everyone's business...

...Just consider yourself lucky that you aren't in the business any longer. It gets tougher every day. My Jumbo pricing was over a point below market and we just bumped up to where everyone else is today. I had 3 Jumbo quotes out there on deals that I was going to get because of my pricing obviously. It was a great seller while it lasted. I only closed 650K last month and it was the tops in my entire group of like 15 originators.
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#16
Old 10-01-2008, 05:04 PM
Spare Moody
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Pretty pathetic when I have nothing to do but buy you fake kick me signs with internet points. - Mizzou  You're gonna have so much clout in the lounge with these signs. - Mizzou  Buttfuck - DTCHIEFS58  Asspounding phag - DTCHIEFS58  My car got stolen by some blacks - DTCHIEFS58 
slutwhorecuntassfuckingqueerbitchjigaboostolemycarfuckslutcunt - DTCHIEFS58  e-Gift - RiZOOM  The last one, baby! - RiZOOM  You are a big fat.......... - Mizzou  INJUN! - Mizzou 
Can I gamble at your casino sometime you filthy rich Injun? - Mizzou  How exactly does one suck a fuck? - Clegg  Happy Birthday!! - abosworth  You asked for it! - squealpiggy  Have a beer. - T-97 
Down in one! - Chunk  Get it down ya!. - RED ARMY  Your a solid poster, here's a medal. - cuauhtemoc1496  Do you know?I though you might have been drunk .Enjoy your hash and booze - hitmanhat  FUCK DA POWLICE - TRAVI$ 
Lou Gehrig's Disease (ALS) - Pico Hollywood  Arthritis - Child Abuse - Colon Cancer - Colorectal Cancer - Dystonia - Education - Free Speech - Interstitial Cystitis - ME/CFIDS - Reye's Syndrome - Save the Music - Teens Against Smoking - Victim's Rights - Water Quality - mangler 
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Quote:
Originally Posted by PBDS View Post
...Just consider yourself lucky that you aren't in the business any longer. It gets tougher every day. My Jumbo pricing was over a point below market and we just bumped up to where everyone else is today. I had 3 Jumbo quotes out there on deals that I was going to get because of my pricing obviously. It was a great seller while it lasted. I only closed 650K last month and it was the tops in my entire group of like 15 originators.
a few months ago my buddy won an award for being ranked #31 out of all Prudential Realtors nationwide. he closed 3 deals for the quarter....2 of which were for his sister.
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