[Raybyrnes]

With 2 children I hate getting this stuff. I don’t need anymore plastic junk in the house. That being said, the best scenario which is not on your list is to combine with another friend and get something decent. If 3 people came together and got a nice 50 dollar gift it would be one item in the house as opposed to 3 and would be a lot nicer and probably used more in the long run.
We both do this and have had friends do tis for or kids.

BTW. I am all for no gifts at all but I have found that even if you say this people are going to give a gift anyway. Like a wedding ring. Totally senseless yet there is a social taboo for not participating.

JMTC

[Raybyrnes]

With 2 children I hate getting this stuff. I don’t need anymore plastic junk in the house. That being said, the best scenario which is not on your list is to combine with another friend and get something decent. If 3 people came together and got a nice 50 dollar gift it would be one item in the house as opposed to 3 and would be a lot nicer and probably used more in the long run.
We both do this and have had friends do tis for or kids.

BTW. I am all for no gifts at all but I have found that even if you say this people are going to give a gift anyway. Like a wedding ring. Totally senseless yet there is a social taboo for not participating.

JMTC

[Raybyrnes]

With 2 children I hate getting this stuff. I don’t need anymore plastic junk in the house. That being said, the best scenario which is not on your list is to combine with another friend and get something decent. If 3 people came together and got a nice 50 dollar gift it would be one item in the house as opposed to 3 and would be a lot nicer and probably used more in the long run.
We both do this and have had friends do tis for or kids.

BTW. I am all for no gifts at all but I have found that even if you say this people are going to give a gift anyway. Like a wedding ring. Totally senseless yet there is a social taboo for not participating.

JMTC

[Raybyrnes]

With 2 children I hate getting this stuff. I don’t need anymore plastic junk in the house. That being said, the best scenario which is not on your list is to combine with another friend and get something decent. If 3 people came together and got a nice 50 dollar gift it would be one item in the house as opposed to 3 and would be a lot nicer and probably used more in the long run.
We both do this and have had friends do tis for or kids.

BTW. I am all for no gifts at all but I have found that even if you say this people are going to give a gift anyway. Like a wedding ring. Totally senseless yet there is a social taboo for not participating.

JMTC

[Raybyrnes]

With 2 children I hate getting this stuff. I don’t need anymore plastic junk in the house. That being said, the best scenario which is not on your list is to combine with another friend and get something decent. If 3 people came together and got a nice 50 dollar gift it would be one item in the house as opposed to 3 and would be a lot nicer and probably used more in the long run.
We both do this and have had friends do tis for or kids.

BTW. I am all for no gifts at all but I have found that even if you say this people are going to give a gift anyway. Like a wedding ring. Totally senseless yet there is a social taboo for not participating.

JMTC

[Raybyrnes]

I think that mortgage brokers begin to provide a lot or value to those who deviate form the traditional high documented income high down payment low DTI.

If I am a sergeant on the Police force with a wife who is a nurse and household income is 200K and have 200K in cash and are looking for a 500K home. I think that it is pretty safe to say that that person can pretty easily shop around.

On the other hand if I am self employed and wife is a salesperson and we make the same amount of money but document it differently then I think the added complexity introduces opportunities where broker expertise comes into play.

HLS. Is this a fair statement?

[Raybyrnes]

I think that mortgage brokers begin to provide a lot or value to those who deviate form the traditional high documented income high down payment low DTI.

If I am a sergeant on the Police force with a wife who is a nurse and household income is 200K and have 200K in cash and are looking for a 500K home. I think that it is pretty safe to say that that person can pretty easily shop around.

On the other hand if I am self employed and wife is a salesperson and we make the same amount of money but document it differently then I think the added complexity introduces opportunities where broker expertise comes into play.

HLS. Is this a fair statement?

[Raybyrnes]

I think that mortgage brokers begin to provide a lot or value to those who deviate form the traditional high documented income high down payment low DTI.

If I am a sergeant on the Police force with a wife who is a nurse and household income is 200K and have 200K in cash and are looking for a 500K home. I think that it is pretty safe to say that that person can pretty easily shop around.

On the other hand if I am self employed and wife is a salesperson and we make the same amount of money but document it differently then I think the added complexity introduces opportunities where broker expertise comes into play.

HLS. Is this a fair statement?

[Raybyrnes]

I think that mortgage brokers begin to provide a lot or value to those who deviate form the traditional high documented income high down payment low DTI.

If I am a sergeant on the Police force with a wife who is a nurse and household income is 200K and have 200K in cash and are looking for a 500K home. I think that it is pretty safe to say that that person can pretty easily shop around.

On the other hand if I am self employed and wife is a salesperson and we make the same amount of money but document it differently then I think the added complexity introduces opportunities where broker expertise comes into play.

HLS. Is this a fair statement?

[Raybyrnes]

I think that mortgage brokers begin to provide a lot or value to those who deviate form the traditional high documented income high down payment low DTI.

If I am a sergeant on the Police force with a wife who is a nurse and household income is 200K and have 200K in cash and are looking for a 500K home. I think that it is pretty safe to say that that person can pretty easily shop around.

On the other hand if I am self employed and wife is a salesperson and we make the same amount of money but document it differently then I think the added complexity introduces opportunities where broker expertise comes into play.

HLS. Is this a fair statement?

[Raybyrnes]

HLS
Only you know. You are the omnipotent one on this board. Everyone else is the fool.

Here is a question. Have you ever had a second look at a person loan docs and said “wow that is a screaming deal” Your broker did a good job.

[Raybyrnes]

HLS
Only you know. You are the omnipotent one on this board. Everyone else is the fool.

Here is a question. Have you ever had a second look at a person loan docs and said “wow that is a screaming deal” Your broker did a good job.

[Raybyrnes]

HLS
Only you know. You are the omnipotent one on this board. Everyone else is the fool.

Here is a question. Have you ever had a second look at a person loan docs and said “wow that is a screaming deal” Your broker did a good job.

[Raybyrnes]

HLS
Only you know. You are the omnipotent one on this board. Everyone else is the fool.

Here is a question. Have you ever had a second look at a person loan docs and said “wow that is a screaming deal” Your broker did a good job.

[Raybyrnes]

HLS
Only you know. You are the omnipotent one on this board. Everyone else is the fool.

Here is a question. Have you ever had a second look at a person loan docs and said “wow that is a screaming deal” Your broker did a good job.

[Author]

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