Forum Replies Created

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    Tina

    Member
    May 20, 2024 at 5:47 pm in reply to: Singing Wine Guy| Peter Arcuri

    ❤️

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    Tina

    Member
    May 20, 2024 at 5:46 pm in reply to: What Do Nuns Keep Hidden in Their Sleeves

    Out of curiosity, what’s the turnover rate of nuns and priests?

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    Tina

    Member
    May 19, 2024 at 6:01 pm in reply to: Congratulations Steve LaFlamme on Pepper

    🎊🎊 proud dad of Pepper 👏

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    Tina

    Member
    March 31, 2024 at 2:07 am in reply to: CEO MIKE KORTAS AXEN MORTGAGE

    Gustan, me and my team are in. You are absolutely right and even more right. CEO MIKE KORTAS is hands down a legend and I think I want to be his ally for the rest of my career. Kudos to the best authentic Chief Executive Officer of the mortgage industry.

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    Tina

    Member
    March 26, 2024 at 2:09 am in reply to: Serial Police Impersonator Jeremy Dewitte

    This small town in Texas with 50 full time cops in a town of 250 residents reminds me of Rosemont Illinois. The Rosemont police department has similar ratio of cops versus residents of Rosemont. If you want to be a cop wannabe, Rosemont Illinois is where you want to set up residency.

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    Tina

    Member
    March 26, 2024 at 2:05 am in reply to: Solution For High Debt-To-Income Ratio Borrowers

    There are also NO RATIO Mortgage Loans. I think they want 75% loan to value on no ratio Mortgage Loans.

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    Tina

    Member
    March 19, 2024 at 5:08 am in reply to: Difference Between Mortgage Brokers vs Mortgage Bankers?

    Mortgage brokers and mortgage bankers originate home loans for homeowners and homebuyers as well as real estate investors. Mortgage brokers have wholesale lending relationships with wholesale mortgage investors and financial institutions. Mortgage brokers get paid a yield spread premium or commission of a maximum of 2.75%. The maximum commission a mortgage broker can make is 2.75% for the entire mortgage broker company. Mortgage brokers has access to multiple wholesale mortgage investors whereas mortgage brokers are captive and only have access to their own products. There are no maximum commission mortgage bankers. Mortgage bankers can charge 5% or more in commission. The higher the commission the higher the rate to the consumer.

    https://youtu.be/xUF81cYWHR0?si=v-wAKCOcRLTAlYaw

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    Tina

    Member
    May 31, 2024 at 3:22 am in reply to: Former President Donald Trump Guilty on All Counts

    This idiot Juan Merchan should be locked up and sentenced to life in prison. Juan Merchan is a judge in the New York State court system. Some key details about him. Juan Merchan is a judge for the Criminal Court of the Supreme Court of the State of New York in Manhattan. Until he went wacko on former President Donald Trump, Juan Merchan was respected by parties of both sides. In May 2022, he was assigned to preside over the criminal case against former President Donald Trump’s family business, the Trump Organization. The Trump Organization was accused of helping top executives avoid income taxes on bonuses, luxury perks and other compensation. In December 2022, Judge Merchan sentenced the Trump Organization to pay a $1.6 million criminal penalty after it was convicted of tax fraud and other charges. Juan Merchan has also presided over other high-profile cases in New York, including the criminal case against former movie producer Harvey Weinstein in 2020. Merchan has served as a judge in New York since 2009 when he was initially appointed to the Criminal Court bench. Prior to becoming a judge, he worked as a prosecutor in the office of the New York County District Attorney for over a decade. Juan Merchan is an experienced New York judge who has overseen several major white-collar and celebrity criminal trials in recent years, most notably the Trump Organization tax fraud case in 2022. However, many experts believe Juan Merchan hung his own throat. Judge Juan Merchan went for the jugular against former President Donald Trump. More to come on this story and this is not the last for Juan Merchan and Alvin Bragg which many see their careers in turmoil and many reports of death threats.

    https://www.youtube.com/watch?v=5VSODPEwK5M&ab_channel=ForbesBreakingNews

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    Tina

    Member
    March 26, 2024 at 2:03 am in reply to: Loan Officers Leaving Mortgage Industry

    Many loan officers love what they do. However, most Mortgage Loan Originators can no longer support their families if the head of the household is a full time loan officer or owner of a small mom and pop Mortgage Broker company. Large retail mortgage companies are bleeding and most are sinking. You will see many more mortgage companies close its doors and not survive this mortgage and housing crisis.

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