if your looking for a mortgage

[FAST]

my reccomendation is firmly with RICKY

guy has lead me on the straight and narrow path throughout my whole process, and locked me in at a great rate,

and just when i thought that was it, BAM for me a even lower rate,

he gets the FAST seal of approval

esp in this fucked up market, I have very good friends, who were telling me not to even go with their company, and that RICKY is doing me justice,

yes Ricky i had you check out, like Biggie says

"got lawyers watchin lawyers so I don't go broke"

[Aztec]

my reccomendation is firmly with RICKY

guy has lead me on the straight and narrow path throughout my whole process, and locked me in at a great rate,

and just when i thought that was it, BAM for me a even lower rate,

he gets the FAST seal of approval

esp in this fucked up market, I have very good friends, who were telling me not to even go with their company, and that RICKY is doing me justice,

yes Ricky i had you check out, like Biggie says

"got lawyers watchin lawyers so I don't go broke"

Ricky ALWAYS does right by his client...
I refer everyone that needs a mtge to him
noones been dissapointed yet

[antknee]

seriously. A lot of shady mofo's in the industry. Ricky will tell you like it is.

[blondie]

AND most importantly he can juggle 3 lemons at once.

[italianchris11]

Yea Ricky knows his shit, got done a deal that I thought was impossible to do

[MichelangeloWHO]

Ricky.. Do you guys do commercial lending?
I will need a biggie in a year or so...

[RICKY]

Ricky.. Do you guys do commercial lending?
I will need a biggie in a year or so...

I do, and I enjoy doing commercial. It is a nice break from residential.

[So Deeva]

GOOO RICKY :cheer

Virgo Power!

[RICKY]

my reccomendation is firmly with RICKY

guy has lead me on the straight and narrow path throughout my whole process, and locked me in at a great rate,

and just when i thought that was it, BAM for me a even lower rate,

he gets the FAST seal of approval

esp in this fucked up market, I have very good friends, who were telling me not to even go with their company, and that RICKY is doing me justice,

yes Ricky i had you check out, like Biggie says

"got lawyers watchin lawyers so I don't go broke"


Thanks man. I appreciate it.


Ricky ALWAYS does right by his client...
I refer everyone that needs a mtge to him
noones been dissapointed yet

A few more years of doing the right thing, and we will be a force no one can mess with.


seriously. A lot of shady mofo's in the industry. Ricky will tell you like it is.

Thanks buddy, your check is in the mail.


AND most importantly he can juggle 3 lemons at once.

Only if I have a wonderul partner like you Jessica


Yea Ricky knows his shit, got done a deal that I thought was impossible to do

Oh dear god, I still have nightmares about that one. We need this, now we need that. Deals like that you cannot make enough on.



Thanks everyone for the positive feedback.

[James Maxx]

RICKY what company u work for? I might need to do a cash-out refi in a few months.

[RICKY]

RICKY what company u work for? I might need to do a cash-out refi in a few months.

I have my own branch of a company called RBI& Associates. Let me know whatever. Even if you just have questions. I can point you in the right direction.

[janine9539]

I do, and I enjoy doing commercial. It is a nice break from residential.

Thats one side of the biz i know nothing about...:disappoin but wouldnt mind learning

[RICKY]

Thats one side of the biz i know nothing about...:disappoin but wouldnt mind learning

It is a completely different animal. Most of the itme with big commercial deals, people are more educated, and in mortgages you do not see that very often. So for me, it was always about being challenged, and learning all aspects of the business.

[OutRacin]

It is a completely different animal. Most of the itme with big commercial deals, people are more educated, and in mortgages you do not see that very often. So for me, it was always about being challenged, and learning all aspects of the business.

I usually get a deposit up front if it is a new customer, they can refuse paying u commission at closing legally and as long as the bank agree's to it you can get hosed on your money after all the hard work and BS

[RICKY]

I usually get a deposit up front if it is a new customer, they can refuse paying u commission at closing legally and as long as the bank agree's to it you can get hosed on your money after all the hard work and BS

Interesting. I never heard that one. Def going to look into that. I am sure alot of pbrokers/bankers change numbers at the closing table with commerical deals. If the bank sees you are trying to rob someone that they can continue to get business from it would be in their best interest to screw the broker. If I went into a big money commercial deal, I would have some sort of contractual agreement before hand protecting me, and paying me regardless if it does or doesnt close.

[OutRacin]

Interesting. I never heard that one. Def going to look into that. I am sure alot of pbrokers/bankers change numbers at the closing table with commerical deals. If the bank sees you are trying to rob someone that they can continue to get business from it would be in their best interest to screw the broker. If I went into a big money commercial deal, I would have some sort of contractual agreement before hand protecting me, and paying me regardless if it does or doesnt close.

I never knew it either until about a year ago when my branch manage told me about it. He said it happened to him. Oddly enough about a month later i got my hands on a big commercial deal. 25mil loan amount. I wanted 1.5 points which was a gift IMO but dude didnt agree on the terms. Latrer found out this particular customer hosed someone else i knew 2 years prior on a 5mill deal.:wallbang

[RICKY]

I never knew it either until about a year ago when my branch manage told me about it. He said it happened to him. Oddly enough about a month later i got my hands on a big commercial deal. 25mil loan amount. I wanted 1.5 points which was a gift IMO but dude didnt agree on the terms. Latrer found out this particular customer hosed someone else i knew 2 years prior on a 5mill deal.:wallbang

1.5 points on 25 million. Come on dude. No one deserves that much money. That is just crazy. Are you surprised he went somewhere else? If I had that deal. I would charge an .125% which is still a killing.

[tribaljunkee]

Good shit ricky, if anyone ever asks ill give them ur contact info. Holla!

[MichelangeloWHO]

1.5 points on 25 million. Come on dude. No one deserves that much money. That is just crazy. Are you surprised he went somewhere else? If I had that deal. I would charge an .125% which is still a killing.

I'm going to hold you to that :-)

[antknee]

Thanks buddy, your check is in the mail.

oh snap! you were able to finally close on that? awesome!

[FAST]

Good shit ricky, if anyone ever asks ill give them ur contact info. Holla!

yeah I have lots of close friend in the mortage industry and I am not one to just trust anyone

i have known ricky for a while, but not that well personally,

but he has done right by me, and has been more then honest and forthcoming with all info even when it was bad, and I had to curse at him for it...lol

[OutRacin]

1.5 points on 25 million. Come on dude. No one deserves that much money. That is just crazy. Are you surprised he went somewhere else? If I had that deal. I would charge an .125% which is still a killing.

Im sorry, 1.5 total. It was a housing project/ blanket loan. We were covering all his appraisals/attorney/title/broker fee, everything with that. It was a tough situation. he owned 47 houses. 18 were free n clear and the other were at around 45-50% ltv with conventional notes or helocs on them. we were trying to consolidate them and pull out the extra cash to build 25 more houses.

A bit confusing but im sure u get it