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- Norm D Plume, "America Needs Nixon!"
- Contributions:1670
2
- Andrew Adams, "203K Specialist"
- Contributions:9349
The 1 post said something like (I am paraphrasing)
I am just trying to do what is best for the consumer. With a whole lot of Yada...Yada...
Then I went into the reviews and noticed the same person that wants to do what's best for the consumer also reviewed Carl.
The more things change the more they stay the same.
I am just trying to do what is best for the consumer. With a whole lot of Yada...Yada...
Then I went into the reviews and noticed the same person that wants to do what's best for the consumer also reviewed Carl.
The more things change the more they stay the same.
- Busted Again
- Contributions:10
"I can't believe some would use a second ID on Zillow, amazing."
LMAO ...
Subtle!
LMAO ...
Subtle!
- Justin Sheftell, "Courtesy Mortgage"
- Contributions:3427
Sounds like a Tammy Stockdale moment.
I can't believe some would use a second ID on Zillow, amazing.
I can't believe some would use a second ID on Zillow, amazing.
- Busted Again
- Contributions:10
"What did the "1" post say before?"
He started to post a reply to Andrew which was clearly from Carl. Apparently, he logged into his "hashton72" account so he could give himself a thumbs up so he can feel better about himself. This by itself is pretty pathetic behavior but he took it to the extreme. Once he was logged into haston72, he saw Andrew had replied and in his haste to continue his moronic point, he forgot to change screen names back. That must have been quite a horror when he saw what he had done and he quickly edited it down to just the "1" we see now. Lucky for him he did it in time.
There is absolutely zero doubt that hashton72 is Carl; this thread could easily prove it and if Zillow wanted to act on it. There is a 100% chance that the ip of the hashton72 that posted here claiming to be family is exactly the same as Carl's.
He started to post a reply to Andrew which was clearly from Carl. Apparently, he logged into his "hashton72" account so he could give himself a thumbs up so he can feel better about himself. This by itself is pretty pathetic behavior but he took it to the extreme. Once he was logged into haston72, he saw Andrew had replied and in his haste to continue his moronic point, he forgot to change screen names back. That must have been quite a horror when he saw what he had done and he quickly edited it down to just the "1" we see now. Lucky for him he did it in time.
There is absolutely zero doubt that hashton72 is Carl; this thread could easily prove it and if Zillow wanted to act on it. There is a 100% chance that the ip of the hashton72 that posted here claiming to be family is exactly the same as Carl's.
- Justin Sheftell, "Courtesy Mortgage"
- Contributions:3427
What did the "1" post say before?
I love the treat actual family like family part, that is just perfect.
I love the treat actual family like family part, that is just perfect.
- Busted Again
- Contributions:10
Curious why the review is there for Carl Ashton when at best, it was admitted that the contact was not from a Zillow quote but rather a family member. I don't believe anyone here believes that fairy tale, but even if one does, it's still a violation of the terms and it should be removed.
- Busted Again
- Contributions:10
Also,
What are the odds that Carl's cousin would be on at the exact moment that Carl was in a debate on this thread?
What are the odds that Carl's cousin would find this thread and make their very first post in 8 months saying nothing but the number 1?
What are the odds that Carl's cousin would find this thread and make their very first post in 8 months saying nothing but the number 1?
Why would Carl's cousin post on this thread the number 1?
Does Carl's cousin live in the same house with Carl because the posts came from the same IP! What are the odds of that?
You must think everyone is a complete idiot if you are passing this story off as true!
When Zillow compares your IP address, they will easily see that you are in fact Carl and the review is fake!
You must think everyone is a complete idiot if you are passing this story off as true!
When Zillow compares your IP address, they will easily see that you are in fact Carl and the review is fake!
- Busted Again
- Contributions:10
I too saw the deleted post, you know, the one you edited down to just "1" because you could not delete it entirely?
Why did you just post "1"?
Also, you say: "after trying 20+ banks they got me approved and treated me like family. "
Why did you try 20 banks when you have Carl the magic lender in the family. Seems like you would have called him first.
When Zillow compares your IP address, they will easily see that you are in fact Carl.
Why did you just post "1"?
Also, you say: "after trying 20+ banks they got me approved and treated me like family. "
Why did you try 20 banks when you have Carl the magic lender in the family. Seems like you would have called him first.
When Zillow compares your IP address, they will easily see that you are in fact Carl.
- Andrew Adams, "203K Specialist"
- Contributions:9349
Nice Try Carl...But it doesn't hold water. I read the deleted post, Just wish I took a screen shot. I have never changed my profile to post my opinion.
And if you are Carl's Cousin Haily...He Treated you like Family...because you are!
And if you are Carl's Cousin Haily...He Treated you like Family...because you are!
- Joe Cafiero, "Joe Cafiero"
- Contributions:3221
Now your problem is that you did not find Carl through Zillow. Anyone could have their family come on here and give them props.
- hashton72
- Contributions:2
Actually you are wrong for the third time
I am Carls cousin Haliey
His cousin is my EX and I do 99% of the marketing for him part time and yes I bought myself a house for christmas, yes I also was a loan officer back in the 90's.
Yes I did finance thru Carl yes the review is real.
I am Carls cousin Haliey
His cousin is my EX and I do 99% of the marketing for him part time and yes I bought myself a house for christmas, yes I also was a loan officer back in the 90's.
Yes I did finance thru Carl yes the review is real.
- Busted Again
- Contributions:10
Has Zillow noted that hashton72, AKA Carl Ashton, messed up by responding to this thread without changing screen names back as Andrew pointed out? A quick edit does not hide the evidence. This would be the same Hashton72, aka Carl Ashton that gave himself a rave review stating:
"He helped me take my credit score from 560 to 640 by showing me how to pay my credit cards to maximise my score, we are closing on this whole process with Carl Jan 4th, in just a mattter of days since my quote, after trying 20+ banks they got me approved and treated me like family. "
Nothing like being treated like family by yourself.
Pretty classy there Carl, being exposed on a national forum for faking your own reviews. Will you be blogging about that as well?
"He helped me take my credit score from 560 to 640 by showing me how to pay my credit cards to maximise my score, we are closing on this whole process with Carl Jan 4th, in just a mattter of days since my quote, after trying 20+ banks they got me approved and treated me like family. "
Nothing like being treated like family by yourself.
Pretty classy there Carl, being exposed on a national forum for faking your own reviews. Will you be blogging about that as well?
- Andrew Adams, "203K Specialist"
- Contributions:9349
Forgot to change your profile back, gave yourself a thumbs up..
along with a self review! Honest too!
along with a self review! Honest too!
- hashton72
- Contributions:2
1
- Andrew Adams, "203K Specialist"
- Contributions:9349
Since it's floating I think it's irrelevent what the current MBS's are trading at. I have seen rates jump 1/2 percent in less than a day...can you guarantee that won't happen again?
If it does and the OP was originally disclosed a rate between 4-4.5% and has to lock at 5% because the market shifted for the worse a closing could be delayed. Waiting period would Kick in! I am not a big fan of having a floating rate disclosed on the thin side because the market can, has and will change quickly!
If it does and the OP was originally disclosed a rate between 4-4.5% and has to lock at 5% because the market shifted for the worse a closing could be delayed. Waiting period would Kick in! I am not a big fan of having a floating rate disclosed on the thin side because the market can, has and will change quickly!
- Carl Ashton, "Carl Ashton"
- Contributions:86
Thought you would know that the bond rates determine which way the rate goes, so dont you think that 5.0% is too high considering national rates at 3:28 pm EST are 4.32%?
- Andrew Adams, "203K Specialist"
- Contributions:9349
what does that have to do with what rate is used on a floating loan application?
- Carl Ashton, "Carl Ashton"
- Contributions:86
Lets vote who thinks I did right by the customer not the broker?
- Andrew Adams, "203K Specialist"
- Contributions:9349
It's spam..any way you look at it. You didn't even attempt to answer the OP's Question.
- Carl Ashton, "Carl Ashton"
- Contributions:86
It is cited on the blog, copywrite, and its an rss feed from a page on my website!
Its there Every day along with terms of use. You already knew that thought right!
Its there Every day along with terms of use. You already knew that thought right!
- Andrew Adams, "203K Specialist"
- Contributions:9349
Carl,
Should you not credit the source for the rate lock advice? Since it is not yours!
Should you not credit the source for the rate lock advice? Since it is not yours!
- Carl Ashton, "Carl Ashton"
- Contributions:86
I would not lock until you get the rate you are looking for.
For a rate lock advisory you can view my blog.
My Blog -
For a rate lock advisory you can view my blog.
My Blog -
- Clay Branch, "Georgia Loans"
- Contributions:7837
Same day, next day, not any longer.
- timkae
- Contributions:6
Thanks all. How long after I submit an application will I typically be able to lock a rate down?
- wayne lancaster, "funds2"
- Contributions:1177
You mention speed as a key ingredient....... if you do application at 5% and are ready to close and lender tells you 4.75% is rate, are you really going to be in a position to opt out? Lender is likely hoping that once you have heard/seen 5%, you won't feel bad or surprised if rate turns out to be close to that amount. As others have said, lock at 4.375%-4.5% and don't be at risk.
- Clay Branch, "Georgia Loans"
- Contributions:7837
Do you know the condo is warrantable? A 4.375% rate would have the .75 condo hit built in the rate, if you make too much money to write off MI, then take the lender paid MI. If you built that in too, it should be aprx 4.625%. It may take a very long time to get to a 78% loan to value on a condo, to remove the MI payment should you take the monthly MI route.
- timkae
- Contributions:6
I should also mention that with only 10% down, I'll need to get PMI and pay the 0.75% Fannie Mae LLPA for condos. I think that is what is complicating things.
We haven't decided whether to get PMI, or be rid of it with the 1.75% self-insured option and somehow build that into the rate. Lots of moving parts here...
We haven't decided whether to get PMI, or be rid of it with the 1.75% self-insured option and somehow build that into the rate. Lots of moving parts here...
- Clay Branch, "Georgia Loans"
- Contributions:7837
Given that information, there is no reason to run the loan through at 5%, it should be 4.375% with little or no origination fee. It should be run through an automated underwriting system today and locked!
- timkae
- Contributions:6
The main problem here is speed. We need to close on this asap and move in before the new tenants move into our old place. The other banks basically said they weren't 100% sure they can get this done in the timeframe we need. We asked the real estate broker and were told this guy deals with a lot of the condos in the complex and could get it done quickly. I did my research on him and his company, they appear squeaky clean. And I don't mind paying a little bit more to get this done sooner.
Nothing has been locked, and I am only still in the application/disclosure process. I am looking to lock as soon as I can.
My credit score is about 780. Purchase price is $400k with 10% down.
I'm completely new to all of this so I just want to make sure I'm not doing anything extraordinarily stupid.
Nothing has been locked, and I am only still in the application/disclosure process. I am looking to lock as soon as I can.
My credit score is about 780. Purchase price is $400k with 10% down.
I'm completely new to all of this so I just want to make sure I'm not doing anything extraordinarily stupid.
Putting a "placeholder" rate on mortgage application
I feel uneasy about signing my name to an application with the 5% number on it. My research tells me that I am not committing to anything until I get a lock so I technically shouldn;'t worry.
Would just like to know if this is standard practice.
Thank you!
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