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Profile picture for Rob Cochems

A Little Game of Guess That Lender!

Conforming Loan Amount
740+ Fico
<60% LTV
Full Doc

Clean approval but before we could go to docs the lender required the customer to mow the lawn and trim their bushes.

Can you name the lender?

  • January 29 2009 - Haiku
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Answers (17)

Last month I would have said PF, today I'll go with MLHL.
  • January 29 2009
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Ha, at least it'll go to docs.  I have one file through 2 different lenders, one in the UW que for 18 days, the other 15 days.  30 day locks.
  • January 29 2009
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Flagstar
  • January 29 2009
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Yeah, Flagstar is getting bad.  I have a deal, 35% ltv, 806 fico, putting 500k down on a property, financing only $417k, 33% dti, and I have 28 conditions.
  • January 29 2009
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My vote...Provident

  • January 29 2009
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Only thing left is to wash the cars! Wheels need a little attention too:-)
  • January 29 2009
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Just an observation - I think we are all going to see this kind of stalling tactic due to too inadequate warehouse line capacity - too many loans and not enough credit.  This is also going to get worse when all of the big investors start taking much longer to purchase loans from us mortgage companies.  When the investors start taking 10-20 days to purchase a loan - that fact will seriously impact how many loans we can fund.  It's definitely going to be a challenging February on the purchase side of loans . . . start taking longer locks to protect your borrowers from unexpected delays . . . plan for it because it's already starting to happen . .  
  • January 29 2009
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Tightly wrapped post Richard, probably your best one yet

So Rob, what's the answer?
  • January 29 2009
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PF Pauly.

  • January 29 2009
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I'm guessing Chase. BTW, Rob are you in Hawaii? 
  • January 29 2009
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How does that change?  Earlier it was Louisiana.
  • January 29 2009
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hahaha, different post in Louisiana...duh
  • January 29 2009
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It was Provident.

Clay yeah I am in Hawaii, I prefer Hawaii over the cold California winters
  • January 29 2009
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Cold CA winters???????  Stay a week in Minnesota!  Now that's cold! :)
  • January 29 2009
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shiiiiif, i thought PF was too obvious and it was a going away present from Chase. Haiku in Maui, not bad, I'm jealous.
  • January 29 2009
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I would have thought Countrywide!! Just closed an escrow 29-days late because the lender couldn't get their act together "too many refi's going on right now, I was told." How's that? Ahhh, yes, I see the logic, refis, in which the bank actually LOSES money, takes precedence over a brand new loan, which brings them new money... just another reason we're in such a big mess!

Rob - who do you work for on Maui? I'm on the Big Island - gorgeous day today! We probably shouldn't tell "them" about the temperature... ;)

Happy Aloha Friday everyone!
Katie Minkus, R(B)
  • January 30 2009
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Katie, I think he was only there in spirit ( s ). I was picking that up from the top of the page where is sometimes shows the originating thread, in this case Haiku. But I am jealous of you now!  
  • January 30 2009
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