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Last thread was pushing 7 pages. Time for a new one. Lew, I'm waiting for my apology.
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Don't hold your breath.
Can we start with that bozo offering 4% on a 30 year fixed? That was AWESOME.
He wrote a book!
I hope this spam-artist is gone soon.
60 pages for $19.95. Last time I checked United Lending was out of business 10 years ago. They were one of the inventors of the 10 point mortgage.
Shap- Why did it take him 60 pages to say 'find out what your LO is making in YSP'??? hahah... too funny. It wouldn't be so bad if he just answered people's questions and gave honest, reliable advice... BUT, all of his comments include links to his website...
David/Zillow comments taken from another thread:
Good topic. We have zero tolerance for dishonest lenders and we take reports of fake reviews very seriously - each report is investigated in detail (our site's moderators have access to a handy set of tools for this purpose.) Some of the reports we've received are inconclusive but we have already discovered some genuinely dishonest reviews and the lenders caught faking those reviews have been removed from the marketplace and have lost their quoting priveliges. Please take notice of this warning and observe the code of conduct. Our two primary requirments of lenders are honesty and accuracy. Lenders that cannot comply with those requirements will be shown the door. Couple of notes on this: Please keep the feedback coming - flag quotes and reviews that don't smell right. We are reviewing 100% of the flags you send us. Researching these issues can take some time - please be patient as we dig to the bottom of what's really going on. We're not going to broadcast the news that we've removed a lender or give a lot of detail as to the tools we use to moderate the marketplace. If we remove a lender, they will simply quietly disappear from the marketplace. I hope you understand that a little secrecy is essential for succesfully moderating the community but just because we aren't commenting on a HOS thread, please don't assume that we're not reading it. Rehabilitation. We reserve the right to give a lender a second chance and where possible we will try to cure the problem before removing the lender. Complaints regarding quote accuracy are a good example here; we will often first contact the lender with a final warning before haviong to remove them from the marketplace.
Thanks for creating a new thread. I almost wrote a 60 page book sparring with Mortgage Master and Lew.
95% financing request. Quote based on 80%.
I can understand if someone was asking for 92% and you state in the remarks about 90%...
Outstanding rates on 96% LTV NOO property products down here in Florida!!!
5.375 Jumbo 0 points, and beware of the lenders quoting suspicially low quotes
Sorry I usually don't put people on here just email them privately....but since I haven't seen him here figured I'd throw it out
I flagged it and sent him an email.
Probably hit the send button too fast before filling in the Variable Information. I like his Lenders Remarks though to the requestor:
As you can tell, most of the quotes are generally the same, although I have seen some that are suspiciously low.
Like my 5.375% 30 fix jumbo with no points. :D
Yeah Shapiro I'd hope it is a typo, like hitting the 5 key instead of the 6, but who knows
Still have to flag it and the fact that he is calling out other quotes means his crap stinks just as much as everyone elses, even more so.
To his defense I just recieved an email from him stating, he was new to the site and meant to quote an ARM
Jim, Thanks for stepping up. Good luck. Dave
Don't worry about it, Jim. It happens to all of us sooner or later (I misquoted a cash-out deal just last night, and I've made over 1200 quotes). Half the non-owner deals have an owner occupied quote or two, a lot of 15 year quotes show up as 30's because the quoter forgets to set the term and agency jumbo quotes with cash out over 100K are a dime a dozen. Except in repeated cases or obvious fraud, I usually suggest a quick e-mail, especially if the quoter is new.
Jim, Sorry I called you out. I gave you the link so you could vindacate yourself. I've made the same mistake quoting a 15 year rate and forgetting to change the 30 year term to 15.
Am I missing something here? This is a rate/term loan with a 720+ score and 87% LTV. This dude wants to put the borrower in a FHA loan because he says the monthly MI will be 1/3 of what it would be for a conventional loan. However, I calculate the FHA MI to be $62 and the conventional PMI to be $58. Not to mention FMIP for FHA! What gives? Honestly!
Jimbo Alt - A loan any one???
I'd lay off the stone throwing and spell checking if I were you, that glass house is fragile!
And I quote:
"Hi, Thank you for visiting my profile. I really do not like talking about myself very much. Somehow it feels to me like I am being narcissistic. Putting my self in your shoes I understand the necessity of getting to know the people that you intend to work with."
I won't even address the disjointed, fragmented and verbose sentence structure, I'll just mention that "myself" is generally one word.
Now see how silly it is to pick people apart for little things?
That's a finger slip GVD.,....
Because I got excited when I saw this;
30 Yr Jumbo fixed no points no origination @ 3.25%
How about that???
Just think about the possibilities if you sign up this guy as a wholesaler..
I'm going to say that that guy's one good review came from either him or not from a Zillow Mortgage Market Place contact.
Is alt-a even offered anymore @ wholesale ??
What do you think?
How would RESPA apply to his comment? Is this an exceptable way of getting business? I have my thoughts and would like to hear yours.
Fancy way of saying he will credit back for the appraisal or processing fee.
He is a Piece of S***... (acceptable, by the way). Spiffing for biz is a "glorified" marketing cost, but trolling and selling out is another with blatant disregard to some of the simplest rules is reprehensible (big words for me). We all know we can't "pay for biz", but we somehow "pay for biz" whether advertising, cost contributions, etc. but that rhetoric keeps our business low in the eyes of the beholders (borrowers) and unfortunately, we get generalized by it. But, I think he will be one of the sprinters and I hope to finish the marathon. Keep rockin'.
Chris- Paying someone to get their business? Smart. :)
A) Why is he on safari?
B) Why are people giving out buy-down rates without inputting the fees?
C) Why are there SO MANY clowns in this industry? Is it the lack of education requirements? Is it the 'borrower's' fault in that they always want to hear the most ridiculous, impossible rates and therefore bring it on themselves???
How many lenders have given a cusomer a $500 credit towards closing costs. Just trying to seperate himself. The reviews are all you need to see.
5.65% Fixed 30-Year Jumbos Rock!
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