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This thread is currently closed for responses.
- Tug of War
- Contributions:1947
Wow!...and all I have to do is follow the Link to your Web Site
- SoCal_Engr
- Contributions:5663
You can build your own in Excel, using the pmt(), ppmt(), and ipmt() financial functions. You can even add an ability to track extra principal payments.
- San Diego Connection, "SanDiegoConnection"
- Contributions:11
Yes, well apparently we cant provide resources to consumers outside of what is on zillow so if you actually want a real estate expert to assist you with a free mortgage calculator, click on our profile page and link from there. Otherwise Zillow wont allow you to see our info unless we pay them more money.
LOL, I remember my first website too!
- Michael Emery, "MikeEmery"
- Contributions:7296
Wow.
Three postings on Zillow and you are now 2 for 3 in the Good Neighbor Slap Down contest.
And I seriously question THIS posting. Something about discussing typical sales commissions.....
Never
Use
Someone
Who
Can't
Read
Fine
Print.
Three postings on Zillow and you are now 2 for 3 in the Good Neighbor Slap Down contest.
And I seriously question THIS posting. Something about discussing typical sales commissions.....
Never
Use
Someone
Who
Can't
Read
Fine
Print.
I just never understand why so many agents are Jonesing to distribute mortgage information, especially in California! The irony is that in CA, most loan officers have a real estate license as well yet they don't distribute real estate advice; but real estate agents without a NMLS license find no problem inventing guidelines, programs, interest rates, down payments and all manner of misleading and incorrect information for the public.
It must be in the water.
Wish I saw the link, I bet it was good!
It must be in the water.
Wish I saw the link, I bet it was good!
- San Diego Connection, "SanDiegoConnection"
- Contributions:11
We don't have time to argue or put down others on this website. Instead, we're just seeking to provide the best service and information. Our team is made up of 90% brokers in the San Diego Market. We're sorry that we don't have 2000+ posts since not our whole day consists around writing comments on zillow. Instead we are busy assisting buyers, sellers and investors in the purchase of san diego real estate.
- San Diego Connection, "SanDiegoConnection"
- Contributions:11
@AKA-Chuck - I agree. We actually have a mortgage division (California Real Estate & Mortgage) that is separate from our San Diego Connection team...which allows us to provide such information.
The new lending laws actually prohibit our mortgage team to provide or hold an active real estate license.
The new lending laws actually prohibit our mortgage team to provide or hold an active real estate license.
" if you actually want a real estate expert to assist you with a free mortgage calculator"
Why does anyone need help with a calculator?
" We don't have time to argue or put down others on this website. "
But you have time to teach people to use calculators?
" Zillow wont allow you to see our info unless we pay them more money. "
Google returns $14,800,000 matches for "Mortgage Payment Calculator" I'm sure people will find you eventually without Zillow's help.
"Our team is made up of 90% brokers in the San Diego Market "
You should add 1% loan officer and you would not need a payment calculator.
" Instead we are busy assisting buyers, sellers and investors in the purchase of san diego real estate. "
You should stick to that and leave the mortgages to those properly licensed in your state.
" The new lending laws actually prohibit our mortgage team to provide or hold an active real estate license. "
That is such a lie. California DRE loan officers ALL have RE licenses. They are licensed by the DRE and have NMLS endorsements. In fact, in order to keep their NMLS endorsement they are required to keep the RE license active so they do CEUs for NMLS and DRE.
Pants on fire!
Why does anyone need help with a calculator?
" We don't have time to argue or put down others on this website. "
But you have time to teach people to use calculators?
" Zillow wont allow you to see our info unless we pay them more money. "
Google returns $14,800,000 matches for "Mortgage Payment Calculator" I'm sure people will find you eventually without Zillow's help.
"Our team is made up of 90% brokers in the San Diego Market "
You should add 1% loan officer and you would not need a payment calculator.
" Instead we are busy assisting buyers, sellers and investors in the purchase of san diego real estate. "
You should stick to that and leave the mortgages to those properly licensed in your state.
" The new lending laws actually prohibit our mortgage team to provide or hold an active real estate license. "
That is such a lie. California DRE loan officers ALL have RE licenses. They are licensed by the DRE and have NMLS endorsements. In fact, in order to keep their NMLS endorsement they are required to keep the RE license active so they do CEUs for NMLS and DRE.
Pants on fire!
- Tug of War
- Contributions:1947
Apparently you do have the time
Prof. Brown..Agents and a Mortgage Center/Mortgage Advisers
(Apply online)
Prof. Brown..Agents and a Mortgage Center/Mortgage Advisers
(Apply online)
- San Diego Connection, "SanDiegoConnection"
- Contributions:11
I love how most of the reply's are from people with tech backgrounds or have some association with zillow. My link was deleted right away, but the post by sunnyview was flagged also and nothing done...hmmm
- Michael Emery, "MikeEmery"
- Contributions:7296
Hmmmmm
Because the link Sunnyview provided does not link back to a site owned by Sunnyview.
Hence no offense.
And I checked. They are duly licensed in CA for real estate, mortgage, etc and are in good standing with the state of CA.
FYI. Those that have responded have no direct or indirect affiliation with Zillow nor are they financially or in any way compensated for their content.
Okay. Let's practice 'oops, I was wrong'
Because the link Sunnyview provided does not link back to a site owned by Sunnyview.
Hence no offense.
And I checked. They are duly licensed in CA for real estate, mortgage, etc and are in good standing with the state of CA.
FYI. Those that have responded have no direct or indirect affiliation with Zillow nor are they financially or in any way compensated for their content.
Okay. Let's practice 'oops, I was wrong'
- San Diego Connection, "SanDiegoConnection"
- Contributions:11
@MikeEmery the link went to REofCA.com - a site that is not listed as our primary site and is actually a separate entity. So, that makes no sense.
- Gene Riggs, "govagent1"
- Contributions:72
Anyone can go on line and print out an amortization schedule. Plug in the numbver of months you want to payoff you loan in and in will give you a payment.
Or put in the payment you want to pay over and above you present payment and it will give you the number of months.
Do not pay for a shorter term or a refinance if you are not saving 1% or more. Any time you pay addidional principle you must send two checks and and not to apply one to principle only. Otherwise they may put in is exscrow or advance you payments. Neither of which will help you.
Or put in the payment you want to pay over and above you present payment and it will give you the number of months.
Do not pay for a shorter term or a refinance if you are not saving 1% or more. Any time you pay addidional principle you must send two checks and and not to apply one to principle only. Otherwise they may put in is exscrow or advance you payments. Neither of which will help you.
" And I checked. They are duly licensed in CA for real estate, mortgage, etc and are in good standing with the state of CA."
Where do you see that? There website has this DRE# 01896291
That DRE number shows no NMLS endorsement.
Furthermore, none of the 4 "salespersons" listed under that broker have an NMLS endorsement so the fact that they are advertising that site for mortgages is illegal.
The statement saying that they cannot have a RE license and NMLS license at the same time warrants a report to DRE I believe.
Where do you see that? There website has this DRE# 01896291
That DRE number shows no NMLS endorsement.
Furthermore, none of the 4 "salespersons" listed under that broker have an NMLS endorsement so the fact that they are advertising that site for mortgages is illegal.
The statement saying that they cannot have a RE license and NMLS license at the same time warrants a report to DRE I believe.
- Michael Emery, "MikeEmery"
- Contributions:7296
You have to search Patrick Hale
- Cory La Scala, "San Diego CA Realtor"
- Contributions:419
Come on 'Professor,' it's not rocket science. And pleased don't group all agents together. There are good ones and bad ones, just liked there are really bad loan officers, but thank heavens for the good ones!
- San Diego Connection, "SanDiegoConnection"
- Contributions:11
@AKA Chuck - As I stated, that is a separate division of our company. Paragraph 2-9 Handbook 4060.1, Rev-2 explains that you may NOT assume dual agency rolls; however, If your broker is not a direct HUD approved "lender" and originates FHA only through HUD sponsored wholesale lenders, then HUD no longer has restrictions.
@govagent1 - thank you for actually responding with something valuable and related to the subject question.
@govagent1 - thank you for actually responding with something valuable and related to the subject question.
- Michael Emery, "MikeEmery"
- Contributions:7296
[content removed by Zillow, please refer to our Good Neighbor Policy for more details]
Winner Winner Chicken Dinner
Winner Winner Chicken Dinner
" You have to search Patrick Hale"
I did Mike. Where do you see an NMLS endorsement?
I did Mike. Where do you see an NMLS endorsement?
- Michael Emery, "MikeEmery"
- Contributions:7296
I've only been reading the CA DRE for the last month, so I could have misspoken. [content removed by Zillow, please refer to our Good Neighbor Policy for more details]
Boy I would hate to be wrong ;-)
Boy I would hate to be wrong ;-)
" @AKA Chuck - As I stated, that is a separate division of our company. Paragraph 2-9 Handbook 4060.1, Rev-2 explains that you may NOT assume dual agency rolls; however, If your broker is not a direct HUD approved "lender" and originates FHA only through HUD sponsored wholesale lenders, then HUD no longer has restrictions."
Assuming Dual agency and acting as a RE agent in a transaction is not the same as possessing a RE license as well as a DRE endorsement. You have no idea what you are talking about when it comes to DRE.
Here's an example and you will find thousands.
[content removed by Zillow, please refer to our Good Neighbor Policy for details]
the #2 Zillow Lender in San Diego
Here's her DRE. You will she is licensed as a RE broker AND has an NMLS endorsement. You cannot originate mortgages in California without an NMLS endorsement. If you are a DRE broker, your salepersons that originate mortgages must maintain their DRE RE licenses AND possess an NMLS edorsement.
Fact, Fact, Fact!
Assuming Dual agency and acting as a RE agent in a transaction is not the same as possessing a RE license as well as a DRE endorsement. You have no idea what you are talking about when it comes to DRE.
Here's an example and you will find thousands.
[content removed by Zillow, please refer to our Good Neighbor Policy for details]
the #2 Zillow Lender in San Diego
Here's her DRE. You will she is licensed as a RE broker AND has an NMLS endorsement. You cannot originate mortgages in California without an NMLS endorsement. If you are a DRE broker, your salepersons that originate mortgages must maintain their DRE RE licenses AND possess an NMLS edorsement.
Fact, Fact, Fact!
You are wrong, that only shows a RE license. In California one needs the NMLS endorsement to originate a mortgage.
See Kat Whitman as I posted above.
You MUST HAVE BOTH!
Note that this is ONLY true for those loan officers that work for a RE broker licensed under the DRE, They need more education and must have both. There is an easier method to licensing that we won't talk about, it's called the department of corporations (DOC). You can have an NMLS endorsement there as well and originate mortgages without a RE license, but you cannot work for a DRE broker.
Patrick Hale is a DRE li8censed broker. he has no NMLS endorsement. His salespeople listed on the DRE site have no NMLS endorsement therefore none of them are licensed nor can they be licensed to originate a mortgage without one. They need both. BY LAW.
See Kat Whitman as I posted above.
You MUST HAVE BOTH!
Note that this is ONLY true for those loan officers that work for a RE broker licensed under the DRE, They need more education and must have both. There is an easier method to licensing that we won't talk about, it's called the department of corporations (DOC). You can have an NMLS endorsement there as well and originate mortgages without a RE license, but you cannot work for a DRE broker.
Patrick Hale is a DRE li8censed broker. he has no NMLS endorsement. His salespeople listed on the DRE site have no NMLS endorsement therefore none of them are licensed nor can they be licensed to originate a mortgage without one. They need both. BY LAW.
- Michael Emery, "MikeEmery"
- Contributions:7296
Thanks for the correction. As always, I should (and usually do) defer financial questions to the lenders on Zillow.
And yes, NOW I see the difference.
Again, thanks.
And yes, NOW I see the difference.
Again, thanks.
- San Diego Connection, "SanDiegoConnection"
- Contributions:11
The topic in question has no relevance to the subject question...and zillow doesn't seem to care. However, once again, our mortgage affiliation is not under the brokerage licensed mentioned. I am tired of fighting against other people on here regarding irrelevant subjects. If a consumer or someone actual has questions then please post. Otherwise your responses just muddy the water.
Free plug to Rudi Hofmann.
As you will see here, he is licensed as a RE agent AND has his NMLS endorsement as does virtually every single CA mortgage contributor worth a grain of salt on this site. (Unless they work for a FCB which requires a degree from Taco Bell but we won't talk about that)
Just kidding Z, don't delete me! [Zillow moderator does not know how to delete humans or cartoon characters legally or ethically.]
As you will see here, he is licensed as a RE agent AND has his NMLS endorsement as does virtually every single CA mortgage contributor worth a grain of salt on this site. (Unless they work for a FCB which requires a degree from Taco Bell but we won't talk about that)
Just kidding Z, don't delete me! [Zillow moderator does not know how to delete humans or cartoon characters legally or ethically.]
What license is it under? NMLS requires that all advertisements, communications, disclosures and other activities related to mortgage origination disclose a unique NMLS identifier.
What is it please?
What is it please?
- San Diego Connection, "SanDiegoConnection"
- Contributions:11
Our loan side is a direct lender that originates FHA mortgages. I am not saying that you cant have both licenses....they just cant both be ACTIVE if you originate FHA mortgage as mentioned in my previous post: "you may NOT assume dual agency rolls; however, If your broker is not a direct HUD approved "lender" and originates FHA only through HUD sponsored wholesale lenders, then HUD no longer has restrictions."
- Tug of War
- Contributions:1947
"and zillow doesn't seem to care"
Finally something a lot of people can agree on...
IMHO ...
Consumers are smart enough to figure out who is muddying the waters as they should and some probably will in this someone is full of it discussion
Finally something a lot of people can agree on...
IMHO ...
Consumers are smart enough to figure out who is muddying the waters as they should and some probably will in this someone is full of it discussion
Free Mortgage Repayment Calculator
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- 0.0/5.0
- (no reviews)
Contributions:11*[hotlink deleted by Zillow moderator. Please see our Good Neighbor Policy.]
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