Hall of Sahme XVIII - Bogus Quotes

Not possible. Why do people find the need to quote things they cannot do? 95% Cashout in CA is not possible. And what's worse is he is from NY. Do people not know that MI companies are not insuring these loans in CA or do they just quote away????

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July 21 2008 - US
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oops. guess im dyslexic again today.

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July 21 2008

I am sure that they will claim FHA if pressed.

 

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July 21 2008

Maybe so...But that is something that should be disclosed on the quote, dont you think?

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July 21 2008

Again people don't read the borrowers request they just quote and hope for a call and/or contact then claim a market change.  Too bad Z can't work out some kind of filter that acknowledge's the borrower requested loan info before the quote may be completed.

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July 21 2008

Agreed. .Definetly in the comments section

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July 21 2008

I don't know, for something like I think maybe Zillow needs to add a field then.  Conforming or FHA is something that means quite a bit to us in the profession, but the general public I don't think does.  Now, obviously, because of the MIP it is quantifiably different, so it should be disclosed on the front end, that is the MIP.  But whether or not its FHA, I don't know if something that necessarily annoys me.  As they as they can do the loan at that rate, then back it up and do the loan.

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July 21 2008

Holy cow...I can't type!  Man, just disregard that last post.  Wow!

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July 21 2008

Why hasn't zillow done anything about this guy yet....95% IO. Every quote

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July 21 2008

Why hasn't zillow done anything about this guy yet....95% IO. Every quote

is

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July 21 2008

this

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July 21 2008

way. Sorry bout that...fat fingered I guess.  95% IO

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July 21 2008

http://www.zillow.com/mortgage/LenderQuoteDetail.htm?qid=X1-ZQz1ov0hflfnd1_211kd

 

 

Still can't link properly, but check out this guy. Apparently, if you close with him, you get a whole month with no mortgage payment!

 

 

 

 

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July 21 2008

"Conforming or FHA is something that means quite a bit to us in the profession, but the general public I don't think does."

 

I believe you mean conventional versus FHA. Conforming or FHA is not an opposing premise.

 

Just sayin'

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July 21 2008

Jennifer,

Where in creation is the guy getting 6.00 with no points today?  This isn't a low-ball quote it is a quote from a criminal minded individual.

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July 21 2008

Yea its called making your payments in arrears. If you close on the 15th of Aug, no payment till Oct 1st. Hence a month without making your payment. Nice little gimmick hes pulling, but we could all do that

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July 21 2008

Not quite sure what is more ridiculous, the no payment for a month coment or the 6% rate.  This knucklehead is in my neck of the woods.  I say we start developing hit squads to take out the galaxically stupid.

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July 21 2008
Profile picture for FERMI

 

scumbag

 

ZILLOW!

Check this guy out. 5.875% 30 YR fixed with one point. Only problem is, his website says today he is offering 6.25% with two points for same loan size in that state (FL).  Follow linkto lender site and you can check it out. If you don't ban this guy, who will you ban? WE ARE TIRED OF BLATANT LIES!!

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July 21 2008
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FERMI,

 

In his defense I think he meant to quote a 15 year...

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July 21 2008
Profile picture for shapiroamg

So if the borrower wants to meet localy with the LO, he/she will have to fly out to AZ???

 

Jenn needs to keep an eye on this guy. With that stellar rating and review, I would expect a 5 to pop up on his reviews soon.

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July 21 2008

I'll bet ya he has 2 5star reviews by the end of the week Shap.

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July 21 2008
Profile picture for FERMI

Rob-

Nope-He quoted that same quote three times today. He also has several at 6%.

This is the largest financial transaction most people will ever make. If someone can't quote it accurately they shouldn't try. He's putting out hundreds of quotes across the country and ALL of them are at worse pricing than his website gives.

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July 21 2008

Shap- I thought that was a new review... Wasn't there this morning...

 

I think that Zillow needs to get serious here, or the good guys are going to pack their bags and leave the site. What will happen then? The dregs of the industry will be left, quoting away, making the ZMM absolutely worthless and tarnishing the Zillow brand. It's not that difficult. Last time I checked, there was still dead weight on the leaderboard too... Talk about BLATANT lying.

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July 21 2008

Ya that is a brand new review Jenn, wasn't there just a couple of hours ago.  Shap's point was that it seems to be quite the pattern that has emerged......They get that 1st crappy review that shows their quality so to cover that up suddenly a few rave reviews show up to turn that 1 rating into a 4 in no time.

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July 21 2008

From what I can tell, that guy is not even allowed to do business in MA

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July 21 2008

Lot of em are netbranchers or correspondent lenders jcaf...

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July 21 2008

CL- I know... I was just saying that I hadn't noticed the bad one earlier today (saw the profile this morning). I agree that he'll have 2-3 5 star ratings overnight to counteract...

 

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July 21 2008

Evenin' J and CL,

 

Poor 69 mortgage... not one of the better ratings.. Dumb and overpriced.  Great combo.. Here's what they need to be:

  1. Top shelf service/high pricey
  2. Superior service/little pricey
  3. superior service/inline pricey
  4. MOR service/MOR pricey
  5. Cheap service/low pricey
  6. unforgettable service/unbelievable pricey
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July 21 2008

Zillow,

It's time for Borris and Tim to go. They must have been reported 20 times so far. It's getting ridiculous now!

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July 21 2008

Agreed,

 

You know what else is wacky "G"?  We even quote alike.. Not the same exact numbers, but stylistically (No lender fees)..  I knew I shouldn't have watched FREAKY FRIDAY.  I tried with the Bullwinkle cartoons and that obviously didn't kick down any doors if you know what I'm sayin'.

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July 21 2008
Profile picture for shapiroamg

From what I can tell, that guy is not even allowed to do business in MA

 

Unless you are an employee of a state or fed chartered bank, you have to have an individual LO license in MA.  Recorded mortgages have to have the originating co name, originator's name and Lic number.

 

 

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July 21 2008
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