wizdom
02-05-2010, 10:36 PM
dont know if anyone heard.... we are officially done. office aqlready closed and cant originate any loans anymore
View Full Version : R.I.P. Topdot
italianchris11
02-06-2010, 02:26 AM
dont know if anyone heard.... we are officially done. office aqlready closed and cant originate any loans anymore
Did people in the office know this was coming or it was a complete shock? Between Lend America and Top Dot I dont know where all these LO's are gonna go
Did people in the office know this was coming or it was a complete shock? Between Lend America and Top Dot I dont know where all these LO's are gonna go
ERR
02-07-2010, 02:36 PM
hopefully to jail, where they belong
CHR!ST!AN
02-08-2010, 12:55 AM
hopefully to jail, where they belong
+1
fuckin crooks
+1
fuckin crooks
libanker34
02-08-2010, 12:56 PM
dont know if anyone heard.... we are officially done. office aqlready closed and cant originate any loans anymore
Sorry to hear that brotha - you have anything lined up for work?
Sorry to hear that brotha - you have anything lined up for work?
wizdom
02-08-2010, 02:20 PM
Did people in the office know this was coming or it was a complete shock? Between Lend America and Top Dot I dont know where all these LO's are gonna go
complete shock it came out of thin air. they sent a fax over to us saying we had underwriting issues with some of the loans they did.
Sorry to hear that brotha - you have anything lined up for work?
yea my boss just found us a new home over at Hartford Funding. today is our first day still trying to get all set up and get our radio campaign going. should be ready to rock by beginning of business tomorrow but i was unemployed for the past 2 weeks. was kinda nce to be able to spend alot of time with my daughter
complete shock it came out of thin air. they sent a fax over to us saying we had underwriting issues with some of the loans they did.
Sorry to hear that brotha - you have anything lined up for work?
yea my boss just found us a new home over at Hartford Funding. today is our first day still trying to get all set up and get our radio campaign going. should be ready to rock by beginning of business tomorrow but i was unemployed for the past 2 weeks. was kinda nce to be able to spend alot of time with my daughter
ShiFty
02-08-2010, 02:42 PM
im pretty sure this kid i know is a vp for them, that fuckin sucks
ERR
02-08-2010, 06:02 PM
they're all where they belong now, on the street. idiots.
wizdom
02-09-2010, 08:12 PM
im pretty sure this kid i know is a vp for them, that fuckin sucks
who do you know from there
they're all where they belong now, on the street. idiots.
why all the hostility?? what do you do for work?? and FYI were not on the streets BRAH!
who do you know from there
they're all where they belong now, on the street. idiots.
why all the hostility?? what do you do for work?? and FYI were not on the streets BRAH!
FDB
02-09-2010, 08:24 PM
sorry to hear that homie.. but like always you will make that paper.. best of luck at the new place.. thats a lot closer to i believe...
ERR
02-09-2010, 09:10 PM
who do you know from there
why all the hostility?? what do you do for work?? and FYI were not on the streets BRAH!
mortgage brokers are the cause of all a lot of people's misery and a lot of this countries misfortune. but it's not surprising, every idiot that didn't get an education after high school i know became a mortgage broker. it's our countries fault for not having standards for the position.
why all the hostility?? what do you do for work?? and FYI were not on the streets BRAH!
mortgage brokers are the cause of all a lot of people's misery and a lot of this countries misfortune. but it's not surprising, every idiot that didn't get an education after high school i know became a mortgage broker. it's our countries fault for not having standards for the position.
wizdom
02-10-2010, 10:48 AM
mortgage brokers are the cause of all a lot of people's misery and a lot of this countries misfortune. but it's not surprising, every idiot that didn't get an education after high school i know became a mortgage broker. it's our countries fault for not having standards for the position.
well if you knew anything about the industry today and how it is you would know that everyone has to be licensed in 85% of the states across the country.... oh.... and i dont know if you know the difference between a Broker and a Lender :hmmm :shuffle
well if you knew anything about the industry today and how it is you would know that everyone has to be licensed in 85% of the states across the country.... oh.... and i dont know if you know the difference between a Broker and a Lender :hmmm :shuffle
ERR
02-10-2010, 11:00 AM
well if you knew anything about the industry today and how it is you would know that everyone has to be licensed in 85% of the states across the country.... oh.... and i dont know if you know the difference between a Broker and a Lender :hmmm :shuffle
it's all the same person. self-interested, idiots with no education that will close a deal to a mailbox if they can get comission. you should be required to have a four year degree to get a license, end of story. like i said every moron that wasn't smart enough to get through school picked up a pen and become a "mortgage broker/lend officer." major reason why this country has experienced what it has the last few years.
it's all the same person. self-interested, idiots with no education that will close a deal to a mailbox if they can get comission. you should be required to have a four year degree to get a license, end of story. like i said every moron that wasn't smart enough to get through school picked up a pen and become a "mortgage broker/lend officer." major reason why this country has experienced what it has the last few years.
wizdom
02-10-2010, 11:06 AM
it's all the same person. self-interested, idiots with no education that will close a deal to a mailbox if they can get comission. you should be required to have a four year degree to get a license, end of story. like i said every moron that wasn't smart enough to get through school picked up a pen and become a "mortgage broker/lend officer." major reason why this country has experienced what it has the last few years.
you really have no idea what you are talking about..... by the way what is it you do for work again?
you really have no idea what you are talking about..... by the way what is it you do for work again?
ShiFty
02-10-2010, 11:17 AM
who do you know from there
alan
alan
wizdom
02-10-2010, 11:19 AM
thats my boss
ShiFty
02-10-2010, 11:24 AM
hope you guys land on your feet, and when you do do it right my man dont fuck with ppl lives! (not saying you do)
wizdom
02-10-2010, 11:26 AM
never that... we actually help people that need help or are looking for cash... every single one of our clients has alot of benefit to their loan or we dont do it....alans set up is the sickest i have ever seen in the industry.
ShiFty
02-10-2010, 11:34 AM
yeah i helped train him haha, hes a good kid. knew right from the start that kid had talent. I truly hope you do as you say. I know too many brokers out there that only close for the mighty dollar, which is why places like top dot are finootz!
wizdom
02-10-2010, 11:38 AM
Believe it or not Topdot got shut down mainly because of the underwiting dept. they felt they were too loose with some of the guidlines and let too much shit go past approval without supporting docs. those loans ended up defaulting and brought our ratio too high on defaults. but honestly with Alan we have a team of 5 people he does live on air radio spots on Carribean radio station 93.5 3-4 times a day and the phones blow up
ERR
02-10-2010, 12:03 PM
you really have no idea what you are talking about..... by the way what is it you do for work again?
bro, in your little world i'm sure theres a big difference, but trust me it aint nothin to anybody else. if you oversee loans in any form and your paycheck depends on that loan going through, you have nothing in mind but to close. some euphemistic title doesnt change the animal. later in the thread you state you help "people looking for cash." people looking for cash should be looking for work, not loans, thats the problem. the other problem is people in your industry have given them that cash, no questions asked, for a long time now. four year degree mandatory for all significant players in any lending industry.
bro, in your little world i'm sure theres a big difference, but trust me it aint nothin to anybody else. if you oversee loans in any form and your paycheck depends on that loan going through, you have nothing in mind but to close. some euphemistic title doesnt change the animal. later in the thread you state you help "people looking for cash." people looking for cash should be looking for work, not loans, thats the problem. the other problem is people in your industry have given them that cash, no questions asked, for a long time now. four year degree mandatory for all significant players in any lending industry.
ERR
02-10-2010, 12:04 PM
and im not coming at YOU personally, im coming at the industry. it is a disgraceful business, and the professionals are few and far between.
ShiFty
02-10-2010, 12:07 PM
and im not coming at YOU personally, im coming at the industry. it is a disgraceful business, and the professionals are few and far between.
i actually agree
i actually agree
wizdom
02-10-2010, 12:09 PM
bro, in your little world i'm sure theres a big difference, but trust me it aint nothin to anybody else. if you oversee loans in any form and your paycheck depends on that loan going through, you have nothing in mind but to close. some euphemistic title doesnt change the animal. later in the thread you state you help "people looking for cash." people looking for cash should be looking for work, not loans, thats the problem. the other problem is people in your industry have given them that cash, no questions asked, for a long time now. four year degree mandatory for all significant players in any lending industry.
1. My paycheck does not depend on if the loan closes or not because i am on well paid salary plus commission and bonuses.
2. The borrowers that we have that are looking for cash out or consolidating credit cards, car payments and any other misc. bills that they dont want to pay anymore or looking to buy another property for investment or remodel their home are all employed borrowers with enough income and equity to do so.
3. I have a Bachelors Degree in Business Management that i finished while i was in the Coast Guard.
:booted .... what is it you do again for a living.... i couldnt understand what you wrote before
1. My paycheck does not depend on if the loan closes or not because i am on well paid salary plus commission and bonuses.
2. The borrowers that we have that are looking for cash out or consolidating credit cards, car payments and any other misc. bills that they dont want to pay anymore or looking to buy another property for investment or remodel their home are all employed borrowers with enough income and equity to do so.
3. I have a Bachelors Degree in Business Management that i finished while i was in the Coast Guard.
:booted .... what is it you do again for a living.... i couldnt understand what you wrote before
ShiFty
02-10-2010, 12:14 PM
wizdom, ive been there first hand and ive seen ppl be put in situations that there was no way out of. its was not a well thought out industrry, that ABC attitude fucked up lot of ppls lives. and im not saying you guys im saying the industry. you cant deny that. like i said I hope you guys are doing right by your clients, it sucks to think of all those ppl who lost thier homes because some cracked out LO sold them a false hope
ERR
02-10-2010, 12:19 PM
1. My paycheck does not depend on if the loan closes or not because i am on well paid salary plus commission and bonuses.
2. The borrowers that we have that are looking for cash out or consolidating credit cards, car payments and any other misc. bills that they dont want to pay anymore or looking to buy another property for investment or remodel their home are all employed borrowers with enough income and equity to do so.
3. I have a Bachelors Degree in Business Management that i finished while i was in the Coast Guard.
:booted .... what is it you do again for a living.... i couldnt understand what you wrote before
again it's not about YOU. the fact that you have a degree doesnt change the fact that the majority does not. you work on comission and bonuses, where do you think those numbers are drawn from? "Guys don't worry about closing any deals this year, you will get the same bonus and comission regardless." That'll be the day.
the borrowers that you have are borrowing from peter to pay paul. they should be looking for a second job, not a high interest loan, or a loan with a better interest rate. the way you pay down debt is extra income and less spending, unless you work for congress, then you can just borrow forever. these "lending compnaies" are part of the problem, not the solution. borrowing at 15% to pay off 30% does no good.
lastly, it's not about me either. it's about a bunch of crooks and dishonest hustlers in the lending industry, an industry that i am proud to say i will never be affiliated with.
2. The borrowers that we have that are looking for cash out or consolidating credit cards, car payments and any other misc. bills that they dont want to pay anymore or looking to buy another property for investment or remodel their home are all employed borrowers with enough income and equity to do so.
3. I have a Bachelors Degree in Business Management that i finished while i was in the Coast Guard.
:booted .... what is it you do again for a living.... i couldnt understand what you wrote before
again it's not about YOU. the fact that you have a degree doesnt change the fact that the majority does not. you work on comission and bonuses, where do you think those numbers are drawn from? "Guys don't worry about closing any deals this year, you will get the same bonus and comission regardless." That'll be the day.
the borrowers that you have are borrowing from peter to pay paul. they should be looking for a second job, not a high interest loan, or a loan with a better interest rate. the way you pay down debt is extra income and less spending, unless you work for congress, then you can just borrow forever. these "lending compnaies" are part of the problem, not the solution. borrowing at 15% to pay off 30% does no good.
lastly, it's not about me either. it's about a bunch of crooks and dishonest hustlers in the lending industry, an industry that i am proud to say i will never be affiliated with.
wizdom
02-10-2010, 12:20 PM
wizdom, ive been there first hand and ive seen ppl be put in situations that there was no way out of. its was not a well thought out industrry, that ABC attitude fucked up lot of ppls lives. and im not saying you guys im saying the industry. you cant deny that. like i said I hope you guys are doing right by your clients, it sucks to think of all those ppl who lost thier homes because some cracked out LO sold them a false hope
i agree 100% and thats what has been changing in the industry. we have to take more test than i did before i graduated. the cowboys will all be gone soon and the more knowledgable certified licensed Mortgage Specialist will be the only ones left. guidlines are getting more stringent every week, you wouldnt believe it if i told you how many loans we turn down on a daily basis. like i said before in the PM Alan is smart enough and has the capability to cherry picks what loans he wants to do. we only do loans for qualified borrowers AND the loan has to make sense.
i agree 100% and thats what has been changing in the industry. we have to take more test than i did before i graduated. the cowboys will all be gone soon and the more knowledgable certified licensed Mortgage Specialist will be the only ones left. guidlines are getting more stringent every week, you wouldnt believe it if i told you how many loans we turn down on a daily basis. like i said before in the PM Alan is smart enough and has the capability to cherry picks what loans he wants to do. we only do loans for qualified borrowers AND the loan has to make sense.
ShiFty
02-10-2010, 12:23 PM
i saw him at glo a little while back, he told me about it all and said he wanted me on board but he never got back to me haha. i guess because he didnt exatly know what was happening w/ TD himself
wizdom
02-10-2010, 12:29 PM
again it's not about YOU. the fact that you have a degree doesnt change the fact that the majority does not. you work on comission and bonuses, where do you think those numbers are drawn from? "Guys don't worry about closing any deals this year, you will get the same bonus and comission regardless." That'll be the day.
the borrowers that you have are borrowing from peter to pay paul. they should be looking for a second job, not a high interest loan, or a loan with a better interest rate. the way you pay down debt is extra income and less spending, unless you work for congress, then you can just borrow forever. these "lending compnaies" are part of the problem, not the solution. borrowing at 15% to pay off 30% does no good.
lastly, it's not about me either. it's about a bunch of crooks and dishonest hustlers in the lending industry, an industry that i am proud to say i will never be affiliated with.
we havent closed 1 loan in the past year with a interest rate higher than 5.5% fixed and most of them have Adj heloc's for 125k and a first with a 6.5%. so not only are we helping them get a LOWER rate but also paying off money they are throwing out the window every month on the second mortgage. no as far as whoever gave them that loan.... i agree that person is the broker looking for a quick payout a few years ago or the bank that gave them and Interest Only Adj. HELOC .... that person is the one looking for a quick payout. as for me and the team i work with, we are the ones trying to straighten out the mess these people are in. So i can understand everybody's opinions on the Mortgage Industry, but let it be known that there are a few that are doing the right thing. and in regards to you saying that these people need to be looking for a second job.... all i can say it that is most of the population in the country. we dont cater to them because 97% of my teams business is from the Carribean commuity in the 5 boroughs and they all have stable jobs for 10yrs plus and make an average of 80,000 a year (Nurses,Union,Truck drivers etc..) and because they are Jamaican some do have 2 maybe 3 jobs and also have 60,000 in assets (401k, MMA, IRA). at the end of he day we not only save them money but put them in a better financial situation with a loan that makes sense.
the borrowers that you have are borrowing from peter to pay paul. they should be looking for a second job, not a high interest loan, or a loan with a better interest rate. the way you pay down debt is extra income and less spending, unless you work for congress, then you can just borrow forever. these "lending compnaies" are part of the problem, not the solution. borrowing at 15% to pay off 30% does no good.
lastly, it's not about me either. it's about a bunch of crooks and dishonest hustlers in the lending industry, an industry that i am proud to say i will never be affiliated with.
we havent closed 1 loan in the past year with a interest rate higher than 5.5% fixed and most of them have Adj heloc's for 125k and a first with a 6.5%. so not only are we helping them get a LOWER rate but also paying off money they are throwing out the window every month on the second mortgage. no as far as whoever gave them that loan.... i agree that person is the broker looking for a quick payout a few years ago or the bank that gave them and Interest Only Adj. HELOC .... that person is the one looking for a quick payout. as for me and the team i work with, we are the ones trying to straighten out the mess these people are in. So i can understand everybody's opinions on the Mortgage Industry, but let it be known that there are a few that are doing the right thing. and in regards to you saying that these people need to be looking for a second job.... all i can say it that is most of the population in the country. we dont cater to them because 97% of my teams business is from the Carribean commuity in the 5 boroughs and they all have stable jobs for 10yrs plus and make an average of 80,000 a year (Nurses,Union,Truck drivers etc..) and because they are Jamaican some do have 2 maybe 3 jobs and also have 60,000 in assets (401k, MMA, IRA). at the end of he day we not only save them money but put them in a better financial situation with a loan that makes sense.
wizdom
02-10-2010, 12:32 PM
i saw him at glo a little while back, he told me about it all and said he wanted me on board but he never got back to me haha. i guess because he didnt exatly know what was happening w/ TD himself
probably not they were keeping eveything very sercetive from the company, and then WAMO they get a fax from HUD with the bad news 1 hour before we were going to have a meeting. ill tell him to call you because the place we are at now, we pretty much run this office.
probably not they were keeping eveything very sercetive from the company, and then WAMO they get a fax from HUD with the bad news 1 hour before we were going to have a meeting. ill tell him to call you because the place we are at now, we pretty much run this office.
ShiFty
02-10-2010, 01:49 PM
yeah man thanks have him call me, if the offer is cush enough id be more then willing to try it out again. :agree
wizdom
02-10-2010, 02:00 PM
Done Deal
Bekim...
02-10-2010, 02:39 PM
a lot of my stockbroker friends from my old firm in the 90's went to do this after shit hit the fan
Bekim...
02-10-2010, 02:44 PM
bro, in your little world i'm sure theres a big difference, but trust me it aint nothin to anybody else. if you oversee loans in any form and your paycheck depends on that loan going through, you have nothing in mind but to close. some euphemistic title doesnt change the animal. later in the thread you state you help "people looking for cash." people looking for cash should be looking for work, not loans, thats the problem. the other problem is people in your industry have given them that cash, no questions asked, for a long time now. four year degree mandatory for all significant players in any lending industry.
so whats a fucking 4 year degree going to do? make the saleman NOT want to close?? or feel bad??? no my friend, in this world its sell sell sell... get the sale PERIOD, 90% of wallstreet has 4 year college degrees and those are THE BIGGEST crooks because they know all the loopholes and ins and outs.... spare us with your misery
so whats a fucking 4 year degree going to do? make the saleman NOT want to close?? or feel bad??? no my friend, in this world its sell sell sell... get the sale PERIOD, 90% of wallstreet has 4 year college degrees and those are THE BIGGEST crooks because they know all the loopholes and ins and outs.... spare us with your misery
wizdom
02-10-2010, 02:48 PM
so whats a fucking 4 year degree going to do? make the saleman NOT want to close?? or feel bad??? no my friend, in this world its sell sell sell... get the sale PERIOD, 90% of wallstreet has 4 year college degrees and those are THE BIGGEST crooks because they know all the loopholes and ins and outs.... spare us with your misery
:lol:lol:lol my degree doesnt help me one bit in the mortgage industry... and i am not crook lol
:lol:lol:lol my degree doesnt help me one bit in the mortgage industry... and i am not crook lol
wizdom
02-10-2010, 02:50 PM
a lot of my stockbroker friends from my old firm in the 90's went to do this after shit hit the fan
and are they still in the mortgage industry. alot of my friends from high school were stock brokers and they did the same thing after the shit hit the fan, started doing mortgages, and now alot of them are doing debt settlement
and are they still in the mortgage industry. alot of my friends from high school were stock brokers and they did the same thing after the shit hit the fan, started doing mortgages, and now alot of them are doing debt settlement
Bekim...
02-10-2010, 03:41 PM
and are they still in the mortgage industry. alot of my friends from high school were stock brokers and they did the same thing after the shit hit the fan, started doing mortgages, and now alot of them are doing debt settlement
i only keep in touch with a few from those days, im talkin 94/95/96.... a few I ran into in bklyn aroun 01 were doing mortgages... I love how people think a degree makes the person perform more ethically. madoff was one of the biggest crooks ever and the list goes on and on....
i only keep in touch with a few from those days, im talkin 94/95/96.... a few I ran into in bklyn aroun 01 were doing mortgages... I love how people think a degree makes the person perform more ethically. madoff was one of the biggest crooks ever and the list goes on and on....
ERR
02-10-2010, 03:50 PM
so whats a fucking 4 year degree going to do? make the saleman NOT want to close?? or feel bad??? no my friend, in this world its sell sell sell... get the sale PERIOD, 90% of wallstreet has 4 year college degrees and those are THE BIGGEST crooks because they know all the loopholes and ins and outs.... spare us with your misery
what is the correlation between what i said and misery? wall street are crooks as well, but who said anything about them? a 4 year degree would weed out some of the 20 year old dickheads with no business qualifications. if you cant undertsand what a business education can provide then you are most lost than i thought you were, and thats saying something.
what is the correlation between what i said and misery? wall street are crooks as well, but who said anything about them? a 4 year degree would weed out some of the 20 year old dickheads with no business qualifications. if you cant undertsand what a business education can provide then you are most lost than i thought you were, and thats saying something.
Bekim...
02-10-2010, 06:05 PM
what is the correlation between what i said and misery? wall street are crooks as well, but who said anything about them? a 4 year degree would weed out some of the 20 year old dickheads with no business qualifications. if you cant undertsand what a business education can provide then you are most lost than i thought you were, and thats saying something.
most people in sales industry weather they have a degree or not are looking for the jugular, weather it be wall street or mortgage brokers on main street, sure a degree would weed out some of the young kids but that degree doesn't tell them what and who to sell to, a salesman is gonna sell at the end of the day, the salesmen in my day that couldn't close a door would end up working at Merrill lynch as an order taker making $32,000 a year, with their 4 year BUSINESS EDUCATION, series 7 and series 63. My manager at my store has a bachelors in business, hes managing a pizzeria making $9/hr
most people in sales industry weather they have a degree or not are looking for the jugular, weather it be wall street or mortgage brokers on main street, sure a degree would weed out some of the young kids but that degree doesn't tell them what and who to sell to, a salesman is gonna sell at the end of the day, the salesmen in my day that couldn't close a door would end up working at Merrill lynch as an order taker making $32,000 a year, with their 4 year BUSINESS EDUCATION, series 7 and series 63. My manager at my store has a bachelors in business, hes managing a pizzeria making $9/hr
ERR
02-10-2010, 06:17 PM
most people in sales industry weather they have a degree or not are looking for the jugular, weather it be wall street or mortgage brokers on main street, sure a degree would weed out some of the young kids but that degree doesn't tell them what and who to sell to, a salesman is gonna sell at the end of the day, the salesmen in my day that couldn't close a door would end up working at Merrill lynch as an order taker making $32,000 a year, with their 4 year BUSINESS EDUCATION, series 7 and series 63. My manager at my store has a bachelors in business, hes managing a pizzeria making $9/hr
You didn't follow my point. My point is not that having a degree would result in making a better employee. That's just the simple-minded reasoning you thought of, because you don't understand that there is more to it. If you have to be certified, obtaina degree, etc., etc. it makes people think twice before they act unethically. Of course you are going to still have crooks, thats true in any walk of life. However, these guys right now are STRAIGHT off the street, nothing to lose, everything to gain by closing god awful deals. See you just look at it from the individulal standpoint (common) instead of what would better society, and how to improve the industry as a whole. Having standards results in increased ethics. That's not to say that nobody will push a bad loan through if standards increase, but at least you'd have to learn/know SOMETHING, ANYTHING before you can close a deal. Hell, you have requirements these days to be a traffic cop. The mortgage industry needs increased regulation, anybody can see that. There is no correlation between having a degree and increased performance in business, but it does provide oversight.
You didn't follow my point. My point is not that having a degree would result in making a better employee. That's just the simple-minded reasoning you thought of, because you don't understand that there is more to it. If you have to be certified, obtaina degree, etc., etc. it makes people think twice before they act unethically. Of course you are going to still have crooks, thats true in any walk of life. However, these guys right now are STRAIGHT off the street, nothing to lose, everything to gain by closing god awful deals. See you just look at it from the individulal standpoint (common) instead of what would better society, and how to improve the industry as a whole. Having standards results in increased ethics. That's not to say that nobody will push a bad loan through if standards increase, but at least you'd have to learn/know SOMETHING, ANYTHING before you can close a deal. Hell, you have requirements these days to be a traffic cop. The mortgage industry needs increased regulation, anybody can see that. There is no correlation between having a degree and increased performance in business, but it does provide oversight.
wizdom
02-11-2010, 02:31 PM
. The mortgage industry needs increased regulation, anybody can see that. .
and thats exactly what has happened in the industry in the past few months
and thats exactly what has happened in the industry in the past few months
libanker34
02-12-2010, 12:28 AM
and thats exactly what has happened in the industry in the past few months
The new regulations as of Jan 1 are probably the toughest guidelines ive seen since I started 8 yrs ago. The qualifications/criteria to get a new loan now are definitely going to weed out the shit loans - nothing gets passed through anymore.
The new regulations as of Jan 1 are probably the toughest guidelines ive seen since I started 8 yrs ago. The qualifications/criteria to get a new loan now are definitely going to weed out the shit loans - nothing gets passed through anymore.
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