[NotCranky]

There seems to be a preponderance of will to have kids get accustomed to guns and I do not mean hunting guns. My kids are taught that guns are no joke,every time it comes up, and especially on the occasion when someone gives them a toy one. They come as plane launchers, bubble making machines, and propellants of any kind of goofy little toy and of course as guns.The kids use them for toy launchers about 15 seconds and start play killing each other because they have seen their friends do it. Any toy like that goes in the trash and they get to keep the non gun component.”Sorry I guess grammy forgot we don’t make a joke out of guns”.The next time we are in the store they will want the gun sans bubbles or whatever.I tell the kids that they can have them when they grow up.
It pisses me off that people make and sell this crap to innocents, strategically placed orange pieces or not. I feel bad for kids with fundamentally unenlightened parents who cooperate with this kind of crap. “Here take your plastic gun outside an pretend to blow your brother to pieces…you will more readily accept your training to kill people in the “axis of evil” when you grow up.” Might as well buy them the whole U.S. Marine “grunt” kit and a couple of toy “ragheads” to blow up.Maybe one or two should come with every gas guzzling SUV.

[NotCranky]

HLS,
I wasn’t really trying to get you to pin down exact rates,or anything in particular really . Just thought it might be convenient for all to be able to find the kind of info that you posted on this thread on a dedicated thread that you refresh with your viewpoints on mortgage issues from time to time. Just a suggestion.

[NotCranky]

HLS,
I wasn’t really trying to get you to pin down exact rates,or anything in particular really . Just thought it might be convenient for all to be able to find the kind of info that you posted on this thread on a dedicated thread that you refresh with your viewpoints on mortgage issues from time to time. Just a suggestion.

[NotCranky]

HLS, I wonder if you would consider making a thread something like the “Carmel Valley Monitor” but with updates on loan program availibility with examples of loan amounts, LTV , rates, terms, Fico scores,etc. Perhaps you could upsdate it every now and then?
I think that would be great if we Piggs could easily look at something like that and perhaps post a question. I think you are the only loan guy who has come forward and put out good stuff. You could dedicate it to me, as is the fashion(That is a joke).
Best wishes,

[NotCranky]

HLS, I wonder if you would consider making a thread something like the “Carmel Valley Monitor” but with updates on loan program availibility with examples of loan amounts, LTV , rates, terms, Fico scores,etc. Perhaps you could upsdate it every now and then?
I think that would be great if we Piggs could easily look at something like that and perhaps post a question. I think you are the only loan guy who has come forward and put out good stuff. You could dedicate it to me, as is the fashion(That is a joke).
Best wishes,

[NotCranky]

BSR,
I hope it is the case that you have not been the victim of a crime lately. I think if you had been or knew somebody who had been, you would know that if three nuns and a live camera from the local news were not on site to witness, not a damn thing is going to be done, even if there are good suspects. Exceptions, maybe murder and definitely bank robbery and shoplifting at Walmart.. Yes this is hyperbole but things are not good with regards to crime fighting and it is reflected in so much incivility in our society.

[NotCranky]

BSR,
I hope it is the case that you have not been the victim of a crime lately. I think if you had been or knew somebody who had been, you would know that if three nuns and a live camera from the local news were not on site to witness, not a damn thing is going to be done, even if there are good suspects. Exceptions, maybe murder and definitely bank robbery and shoplifting at Walmart.. Yes this is hyperbole but things are not good with regards to crime fighting and it is reflected in so much incivility in our society.

[NotCranky]

Thanks HLS,
That loan info is interesting. One question. I have clients that plan on using HELOC money for down payment on investor property. I assume “no doc” it isn’t an issue . What about “full doc”? Does the down payment have to be seasoned? Please assume borrower does not have diversified non-collateralized assets. I already know that someone with a diversified investment portfolio shouldn’t have a problem.

[NotCranky]

Thanks HLS,
That loan info is interesting. One question. I have clients that plan on using HELOC money for down payment on investor property. I assume “no doc” it isn’t an issue . What about “full doc”? Does the down payment have to be seasoned? Please assume borrower does not have diversified non-collateralized assets. I already know that someone with a diversified investment portfolio shouldn’t have a problem.

[NotCranky]

I met one of these bank inspectors last week when taking my kids to a park located across the street from a just foreclosed house he was looking at. He was pretty nervous, with good reasons I suspect.
When I bought my first repo this strange fellow came around and told me to get out of his house(after I had overhauled it). I calmed him down and told him how I came to be the owner. He left and never came back. I was burglarized a couple of times but this was Normal Heights in the early nineties and everybody was getting burglarized or worse.Let’s hope that crime doesn’t come back with a vengeance this time around.

[NotCranky]

I met one of these bank inspectors last week when taking my kids to a park located across the street from a just foreclosed house he was looking at. He was pretty nervous, with good reasons I suspect.
When I bought my first repo this strange fellow came around and told me to get out of his house(after I had overhauled it). I calmed him down and told him how I came to be the owner. He left and never came back. I was burglarized a couple of times but this was Normal Heights in the early nineties and everybody was getting burglarized or worse.Let’s hope that crime doesn’t come back with a vengeance this time around.

[NotCranky]

“what if you have a HELOC opened but haven’t touched any of the money yet, do you still have a non-recourse loan in place that you can walk away from, or does it complicate the process????”

The HELOC is a completely separate legal instrument from the purchase money deed(s). No problems if it wasn’t used.

[NotCranky]

“what if you have a HELOC opened but haven’t touched any of the money yet, do you still have a non-recourse loan in place that you can walk away from, or does it complicate the process????”

The HELOC is a completely separate legal instrument from the purchase money deed(s). No problems if it wasn’t used.

[NotCranky]

“I am confused on why she didn’t use the VA loan if she was in the NAVY. Last time I checked you could have 417K of VA loan. Almost no down payment and fixed, low interest rates. Why??”

VA has stricter guidelines which she couldn’t meet.
I have heard reports about brokers putting people worse loans than they could otherwise qualify for with the incentive of higher rebates.

[NotCranky]

“I am confused on why she didn’t use the VA loan if she was in the NAVY. Last time I checked you could have 417K of VA loan. Almost no down payment and fixed, low interest rates. Why??”

VA has stricter guidelines which she couldn’t meet.
I have heard reports about brokers putting people worse loans than they could otherwise qualify for with the incentive of higher rebates.

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