Rob James

Spreading common sense and critical thinking one tweet at a time.

[Rob James @RobJamesCEO]

@elonmusk You just talked about the loudest people protesting it, including what this says about them.

[Rob James @RobJamesCEO]

I’m tired of hearing that Trump and the Republicans tax cuts will go to billionaires, when most of the billionaires donate to the left!!! @tracegallagher

[Rob James @RobJamesCEO]

@catturd2 If they do it’s from selling our weapons we went. Even if they have the money do they have enough weapons now that the flow from the US is finally ending?

[Rob James @RobJamesCEO]

@VivekGRamaswamy @elonmusk

You all don’t understand how much the CFPB (Consumer Financial “Protection” Bureau) has sucked money away from independent financial companies like mine since its inception after 2008. I could go on and on. You don’t need organization’s like this to make things like TRID. 90% or more of the regulation’s like TILA, RESPA, FCRA, ECOA, HMDA etc, etc, etc, have existed far before the CFPB existed. I can only name a few things that the CFPB did to protect consumers via regulation in the mortgage industry. Also, for anyone who thinks this may prevent shady lenders or brokers from making bad loans you’re mistaken. Even banks don’t portfolio their mortgage paper. They don’t want the interest rate exposure for that long of a term. So they all sell it, and guess who buys it???? All your mortgage paper is held by the GSA’s like Fannie and Freddie Mac and is serviced by the banks. So the lenders have to follow the guidelines laid out by these entities. If they won’t buy shady paper then no one will originate it!!! Prior to 2008 the government had no problem buying stated income or interest only payment mortgages, you even had negative amortization loans which is insane!!! I won’t do anything but conventional loans that meet Qualifying Mortgage standards with proven Ability to Repay under Appendix Q. I have a maximum amount of points and fees i can charge under these rules. If i decided to make low credit score low downpayment FHA loans through the governments federal program you can charge a lot more money. Some lenders I know of in fact specialize in only FHA loans because the money is so good. Tell me how charging people with lower credit and a lower down payment more money is a service to them?!?!?

[Rob James @RobJamesCEO]

@joerogan The Annuaki……lol. That is fucking wild!!!

[Rob James @RobJamesCEO]

@AngelaBelcamino Biden is still the President dumbass!!!!!

[Rob James @RobJamesCEO]

@Elex_Michaelson @GavinNewsom @realDonaldTrump @CAgovernor What about the people of North Carolina and TN?!?!? Their lives were ruined and it’s largely other Americans helping them, not the federal government.

[Rob James @RobJamesCEO]

@elonmuskADO 44

[Rob James @RobJamesCEO]

@elonmuskADO 55

[Rob James @RobJamesCEO]

@thedrivenman 💯

[Rob James @RobJamesCEO]

@amuse To each their own but she doesn’t need sterilized, I don’t think dildos shoot fertile eggs yet.

[Rob James @RobJamesCEO]

No thoughts on my end so I’ll just leave this here.

[Elon Musk @elonmusk]

Amazing. Legacy media lies.

[Rob James @RobJamesCEO]

@elonmusk The. CFPB was initially created after 2008 financial crash under Obama and Richard Cordray was the first Director.

[Rob James @RobJamesCEO]

I don’t need Gemini by Google to be my therapist or many of my good friends. Those new ads are creepy!!!!

[Rob James @RobJamesCEO]

@TONYxTWO Depends if you want to dunk on a liberal on Thanksgiving. I would probably take it down solely because that’s like a demon seeing a cross. They can’t stand the sight of it. Go with a MAHA sign and see how bad their TDS really is!!!!!

[Rob James @RobJamesCEO]

@ElonMuskOde Yes

[Rob James @RobJamesCEO]

@EricLDaugh Both candidates worked really hard. He won and hasn’t stopped working since. She lost and is reflecting on the fact that she may have Imposter Syndrome.

[Rob James @RobJamesCEO]

@CharlieKNews ❤️

[Rob James @RobJamesCEO]

@JMxnsa Hahaha, it’s called Zyn nicotine pouches!!!!!

[Rob James @RobJamesCEO]

@DefiantLs College helps you learn for specialty degrees. Most people think just because they are $100k in debt that they deserve a higher starting wage even if they are starting in a same position as someone who has no degree. There is no sub for experience!!!!!!

[Rob James @RobJamesCEO]

@DefiantLs I own a business that’s very detail and paperwork intensive. Along with a huge regulatory burden. I’ve never had a college degree hiring policy. Going to college means nothing. Someone who slowly worked from the kitchen to the manager actually know what years of hard work is.