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Search results

  1. J

    Jobs to move you into the fastlane : Brainstorm

    Anything commission only will have tons of freedom. As stated above though, if you can find a guaranteed income where you can still mess around online or do your own thing, then thats perfect. You will make more money if you are good at sales on commission only. Of course if you have no...
  2. J

    Blackballing Zip Codes

    REAL ESTATE 
    Yet another blow to the industry. It is no surprise that PMI companies are hurting in certain areas where they insured consumers on subprime mortgages. The answer in these areas is FHA, or lender paid MI programs.
  3. J

    map of OPTION ARMS from 2006 (not foreclosures)

    REAL ESTATE 
    Option Arms alone wont cause misery. Taking the neg-am option every month in a depreciating market will though. The problem will be when these people have a 5 year recast and there is no equity left to refinance with. Then they will be foreclosures.
  4. J

    Dead-End Sh*t Jobs ... Yours?

    NOTABLE! 
    Sorry for the Hijack as well Well at least here in Florida (The last place I brokered loans instead of being an LO for a lender) there are already more disclosures for the broker than there is for a direct lender. Meaning, the bank does not have to disclose YSP on the HUD, but the broker...
  5. J

    Dead-End Sh*t Jobs ... Yours?

    NOTABLE! 
    OOPS Double post.
  6. J

    Dead-End Sh*t Jobs ... Yours?

    NOTABLE! 
    TCA- Dumpster Diving for Carboard outside furniture stores Took said cardboard and made boxes for shipping fencing equipment Eventually worked my way up to shipping floor for picking and checking orders Later became shipping manager and supervised 3 other employees...
  7. J

    JimCuller Where is My RE Loan?

    REAL ESTATE 
    I must apologize again my friend. I am back in business now, but am really surprised (ticked off) that there wasnt more support in my absence.
  8. J

    More rate cuts to come but...

    REAL ESTATE 
    Fixed rates and costs decreased today. I am finally seeing 4.875 again (with discount points) available on my rate sheet! And I have a 5 year ARM pricing at 3.875% with discount points available too, so life is good. I am hoping they trickle down a little more over the next few days. If so...
  9. J

    Rich Dad on the economy

    Great point. You forgot the realtors and mortgage brokers that encouraged people to buy a 300k value home when they could hardly afford to pay bills where they were. Stated income at 100% financing with a 550 credit score (or higher) was the craziest program ever. Literally everyone I know...
  10. J

    Cash flow: expand or pay down debt

    REAL ESTATE 
    I would use it for building reserves, if you dont already have an adequate supply. Of course if you have built up liquid reserves, and a smoking deal comes along, you are in a prime position to pull the trigger.
  11. J

    Netlibrary.com

    We will be checking on this tomorrow at our local library. Rep +++
  12. J

    What book are you reading? Right now. Post up!

    NOTABLE! HOT! BOOKS CHAT 
    Swith with the Sharks Without Being Eaten Alive by Harvey Mackay This guy learned from big business types, and worked with a lot of sports club owners. A good book to see how people operate on a 8-9 figure acquisition level.
  13. J

    The Bucket List!

    I liked how Nicholson was saying that there will be 2 beds to a room, no exceptions. And then wanted it to be different when he got sick. It was a good movie overall. You are right that its not for the action movie guys and gals. My wife couldnt sit still through it, I finished this one...
  14. J

    Hi I am new and looking to get out of the rat race

    I know what you mean by knowing a lot of things to do, but not having done them yet. Everyone has to start somewhere. Being here will help you create a plan.
  15. J

    Hello from Nashville, TN

    Thanks for your service! You came to the right place in terms of what you are looking for.
  16. J

    More rate cuts to come but...

    REAL ESTATE 
    Thats what Im talking about. I am hoping the Fed Cuts, and the spread drops some. This would put 30 years between 4.75-5.25%. When I see 5.25 or less, I start calling literally everyone I know that was looking. It happened one day in January this year, and the fence sitters were upset...
  17. J

    Rule of thumb -- when the bank calls...

    REAL ESTATE 
    With the foreclosure market where its at, and ARM's getting such a bad rep; almost any order taker can get on the phone with people in an ARM and get an application. You my friend are exceptional, because you are not afraid of your ARM. Of course, you probably know how to follow your index...
  18. J

    More rate cuts to come but...

    REAL ESTATE 
    Yes, that what I wanted to point out here. The spread between the treasuries and the 30 year fixed mortgage rates is historically high. The reason I am gathering is that they must make yields attractive to the Mortgage Backed Securities investors in order to draw in more capital and create...
  19. J

    More rate cuts to come but...

    REAL ESTATE 
    Will the market continue to keep a record spread? Or will the rate cuts finally be passed on to the consumer? In yet another twist, the market’s psyche shifted back to economic growth (or lack thereof) over inflation (or fear thereof). Accordingly, interest rates plummeted and bonds...
  20. J

    Free Credit SCORES: Myth or real?

    First of all, you will have to pay for FICO scores. Secondly, if you are going to be pulling FICO scores on your own, you should go to www.myfico.com It is the ONLY website to date that has scores that will match the tri-merge a mortgage broker or loan officer will pull. If you use...
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