Mortgage Mike

[Mortgage Mike @warpuffin]

@AImortgages I assume since you said collateral risk score you already have an appraisal and Fannie and Freddie are “grading/scoring” the appraisal. Fannie likes it, Freddie doesn’t. The score will determine if reps and warrants are waived regarding the appraisal. It’s not the same as a waiver which means no appraisal is required. Both of you are right just talking about different things. Respectfully.

[Mortgage Mike @warpuffin]

@HardBarn Are you sure it wasn’t a hand washing station and not a urinal? I’ve seen it happen before at a hockey game. Guys pissing in the circular washing station.

[Mortgage Mike @warpuffin]

He said its a 7 year “I/O” which means Interest Loan. It’s not fully amortizing loan, at least at this point. You can’t have an amortizing loan when you only pay interest. I assume at the end of the 7 years it will convert to amortizing but who knows. You can’t compare a conforming conventional, FHA, VA loan to this product -whatever it is. Probably a DSCR loan.

[Mortgage Mike @warpuffin]

@AdvisorJohn @zerohedge And Ozempic😂

[Mortgage Mike @warpuffin]

I don’t mess with springs. Too dangerous if you don’t know what you are doing. If the pulley and wires are intact and not fraying I wouldn’t replace them. I live in Alaska and just had a spring replaced (2 on the door) and it was 350 bucks. 1450, even with pulley and wires is crazy.

[Mortgage Mike @warpuffin]

@AdvisorJohn They will never forget that feeling. It’s brutal

[Mortgage Mike @warpuffin]

@christopherhale @grok is this true?

[Mortgage Mike @warpuffin]

@JFergusonAU Same photo but wider angle look at the score board on the left - I circled in blue. Shows .1 left on the side clock. Not sure where your photo came from but is it legit?

[Mortgage Mike @warpuffin]

@PokemonFindr 99516?

[Mortgage Mike @warpuffin]

@NC2020Anthony @skylarromines And the “unfat” yourself. I assume you can un-plastic surgery yourself too?

[Mortgage Mike @warpuffin]

@grok is this Video AI generated or is it real?

[Interstellar @InterstellarUAP]

🚨 **BREAKING: JOE ROGAN JUST BLEW THE LID OFF THE MOON LANDING HOAX ON HIS LATEST PODCAST WITH JESSE MICHELS!** 🚨

Joe straight-up said: "The moon landings? Possibly fake. NASA has been lying to us for DECADES." 😱

Remember when he used to buy the official story? Not anymore. Thinks the whole thing was staged in a studio to beat the Soviets. Shadows don't add up, flag's waving in "vacuum," and that Van Allen radiation belt? No way humans survived it without frying.

If Rogan – the king of no-BS convos – is questioning this, what else are they hiding? Epstein didn't kill himself, and apparently, neither did we land on the Moon.

Who's with me? Drop your wildest NASA theories below! 👇 #MoonHoax #JoeRogan #NASAExposed #ConspiracyTok

[Mortgage Mike @warpuffin]

@brandieeemac @petenakos

[Mortgage Mike @warpuffin]

Per Grok if you ask about the foot. - Close Inspection of the Foot (under the blue chair, center-front)
1. Disconnected from Any Leg
• There is no visible leg leading down to this foot.
• The person sitting in the chair (wearing light pants) has both legs accounted for: one bent at the knee (visible), the other extended slightly forward (also visible).
• This extra foot has no body attached — it’s floating in space.
2. Wrong Angle & Position
• The foot is angled inward and placed under the chair seat, as if someone were sitting sideways or behind the chair.
• But there’s no room for another person there, and no torso, knee, or shin to support it.
3. Lighting Mismatch
• The foot is brighter and sharper than the surrounding floor and chair legs, which are slightly dimmer and softer (consistent with classroom lighting).
• It has a slight white halo edge — classic sign of a pasted element with poor feathering.
4. Shadow Inconsistency
• The chair and desks cast soft shadows on the floor.
• This foot casts no shadow at all, and the floor texture doesn’t deform under its weight — it’s flat on top of the carpet pattern.
5. Copy-Paste Artifact
• The shoe is a near-duplicate of the left shoe of the person sitting (same brand, color, tread, and angle).
• Likely, the editor copied one foot, flipped or rotated it, and pasted it under the chair as a joke or mistake.

Conclusion: YES — This Foot Proves Photoshopping
Even ignoring the blood shirts, the disembodied foot under the chair is undeniable evidence of digital alteration.
It’s not just misaligned — it’s physically impossible in a real photo.
This was likely added as a hidden prank in the Halloween joke image (classic “find the error” gag). The blood distracts at first, but the foot is the smoking gun. 🦶✂️

[Mortgage Mike @warpuffin]

Per Grok if you point out the foot. - Close Inspection of the Foot (under the blue chair, center-front)
1. Disconnected from Any Leg
• There is no visible leg leading down to this foot.
• The person sitting in the chair (wearing light pants) has both legs accounted for: one bent at the knee (visible), the other extended slightly forward (also visible).
• This extra foot has no body attached — it’s floating in space.
2. Wrong Angle & Position
• The foot is angled inward and placed under the chair seat, as if someone were sitting sideways or behind the chair.
• But there’s no room for another person there, and no torso, knee, or shin to support it.
3. Lighting Mismatch
• The foot is brighter and sharper than the surrounding floor and chair legs, which are slightly dimmer and softer (consistent with classroom lighting).
• It has a slight white halo edge — classic sign of a pasted element with poor feathering.
4. Shadow Inconsistency
• The chair and desks cast soft shadows on the floor.
• This foot casts no shadow at all, and the floor texture doesn’t deform under its weight — it’s flat on top of the carpet pattern.
5. Copy-Paste Artifact
• The shoe is a near-duplicate of the left shoe of the person sitting (same brand, color, tread, and angle).
• Likely, the editor copied one foot, flipped or rotated it, and pasted it under the chair as a joke or mistake.

Conclusion: YES — This Foot Proves Photoshopping
Even ignoring the blood shirts, the disembodied foot under the chair is undeniable evidence of digital alteration.
It’s not just misaligned — it’s physically impossible in a real photo.
This was likely added as a hidden prank in the Halloween joke image (classic “find the error” gag). The blood distracts at first, but the foot is the smoking gun. 🦶✂️

[Mortgage Mike @warpuffin]

Per Grok - Close Inspection of the Foot (under the blue chair, center-front)
1. Disconnected from Any Leg
• There is no visible leg leading down to this foot.
• The person sitting in the chair (wearing light pants) has both legs accounted for: one bent at the knee (visible), the other extended slightly forward (also visible).
• This extra foot has no body attached — it’s floating in space.
2. Wrong Angle & Position
• The foot is angled inward and placed under the chair seat, as if someone were sitting sideways or behind the chair.
• But there’s no room for another person there, and no torso, knee, or shin to support it.
3. Lighting Mismatch
• The foot is brighter and sharper than the surrounding floor and chair legs, which are slightly dimmer and softer (consistent with classroom lighting).
• It has a slight white halo edge — classic sign of a pasted element with poor feathering.
4. Shadow Inconsistency
• The chair and desks cast soft shadows on the floor.
• This foot casts no shadow at all, and the floor texture doesn’t deform under its weight — it’s flat on top of the carpet pattern.
5. Copy-Paste Artifact
• The shoe is a near-duplicate of the left shoe of the person sitting (same brand, color, tread, and angle).
• Likely, the editor copied one foot, flipped or rotated it, and pasted it under the chair as a joke or mistake.

Conclusion: YES — This Foot Proves Photoshopping
Even ignoring the blood shirts, the disembodied foot under the chair is undeniable evidence of digital alteration.
It’s not just misaligned — it’s physically impossible in a real photo.
This was likely added as a hidden prank in the Halloween joke image (classic “find the error” gag). The blood distracts at first, but the foot is the smoking gun. 🦶✂️

[Mortgage Mike @warpuffin]

@IncDak @PolliardZ @CK1philly @sweatystartup He said he would offer additional compensation to the listing agent. Not the buyer’s agent.

[Mortgage Mike @warpuffin]

@CoachBorst Update?

[Mortgage Mike @warpuffin]

@WallStreetApes @grok Does Toyota charge to use wireless CarPlay?

[Mortgage Mike @warpuffin]

I can make an educated guess at to what happened but it would be a very long post. I’ve seen it happen many times and the issue is very nuanced.

[Julie Chang @JulieChangRE]

@mortgagetruth I thought the whole point of the LE and the CD was supposed to fix this?

[Mortgage Mike @warpuffin]

@melissasavenko @tawillionaire The servicer of the current loan would process and approve the assumption.