HomeloanGuy

Home Lending since 2010

[HomeloanGuy @Driven85]

@AdvisorJohn I’ve had pretty decent luck when tide water.

[Thomas Massie @RepThomasMassie]

Tonight’s outcome isn’t about placing faith in Democrats or socialist principles; it’s about holding Republicans accountable for betraying their promises.

All Republicans had to do was:

1. put Americans First
2. not start another war
3. prosecute sex traffickers

[HomeloanGuy @Driven85]

@ThinkAppraiser Do you think the extra time is due to learning curve vs something you knew like the back of your hand? One thing is certain in life change is inevitable. Reminds me of the HUD1 to Closing Disclosure and how escrow companies had a fit.

[HomeloanGuy @Driven85]

@AdvisorJohn It’s certainly both.

[HomeloanGuy @Driven85]

@HomeLoanBill It’s certainly been a rough month

[HomeloanGuy @Driven85]

@ThinkAppraiser I’ve gotten a couple 3.6’s back. The turn times have been a bit longer for sure

[Ryan Cohen @ryancohen]

I put my money where my mouth is

[HomeloanGuy @Driven85]

@AdvisorJohn I’m curious if others are seeing a deterioration in consumer credit and purchasing power.

[HomeloanGuy @Driven85]

@AdvisorJohn Exactly this.

[HomeloanGuy @Driven85]

@maxpashman A good rule of thumb is have an actual consultation about thecc bc and you want to put in, and what you’ve budgeted for housing. Look for a home that fits the budget. Just cause you’re approved for an amount or payment doesn’t mean you should.

[HomeloanGuy @Driven85]

@HomeLoanBill I’m seeing the same thing

[HomeloanGuy @Driven85]

@LibertyCappy Massie

[HomeloanGuy @Driven85]

@nicksortor @patrickbetdavid You think H&R Block and TurboTax would let that happen?

[HomeloanGuy @Driven85]

@GrulkeLamonte This is absolutely the right take. You’re going to kill it Lanonte.

[SMB Attorney @SMB_Attorney]

You need to stop and read this again…

Warren Buffet’s final words of advice from his very last annual letter 🥹

"One perhaps self-serving observation. I’m happy to say I feel better about the second half of my life than the first. My advice: Don’t beat yourself up over past mistakes – learn at least a little from them and move on. It is never too late to improve. Get the right heroes and copy them. You can start with Tom Murphy; he was the best.

Remember Alfred Nobel, later of Nobel Prize fame, who – reportedly – read his own obituary that was mistakenly printed when his brother died and a newspaper got mixed up. He was horrified at what he read and realized he should change his behavior.

Don’t count on a newsroom mix-up: Decide what you would like your obituary to say and live the life to deserve it.

Greatness does not come about through accumulating great amounts of money, great amounts of publicity or great power in government. When you help someone in any of thousands of ways, you help the world. Kindness is costless but also priceless. Whether you are religious or not, it’s hard to beat The Golden Rule as a guide to behavior.

I write this as one who has been thoughtless countless times and made many mistakes but also became very lucky in learning from some wonderful friends how to behave better (still a long way from perfect, however). Keep in mind that the cleaning lady is as much a human being as the Chairman."

And then today, his last letter to shareholders as chairman…

[HomeloanGuy @Driven85]

@unusual_whales We have a minimum age requirement for presidents. We should have a maximum age for public office. Say in line with Pilots…

[HomeloanGuy @Driven85]

@GrulkeLamonte @wademattingly Wanted to ask what your market is looking like?

[HomeloanGuy @Driven85]

@GrulkeLamonte And also remember the fed funds rate does not directly impact mortgage rates. We need to get the treasury situated.

[HomeloanGuy @Driven85]

@AdvisorJohn @10452km2 I’m sure it’s market dependent. I’ve had seller concessions on probably the last twenty transactions I’ve done.