Clueless! Just as I expected. It’s not your message its the delivery. There is a time and a place for most things. Extemist opinions and yes they ar eopinions not facts, directed at someone’s place of business are not appropriate. Based upon all the people you have rubbed the wrong way, I suspect you will find out yourself if you ever actually get something going. Personally, I could care less as I know everything i need to about what you think. The horse isn’t beaten, it is dead and buried.
BTW, friends are people you go out to dinner with, they are people who help you out with your kids when you are in a jam, they are people that you genuinely care about and who hopefully care about you. The people you converse with on the Internet are not your friends. It’s delusional to think they are. And for the record, I do not have an Option Arm. 30 year fixed rate here.