JBC13/Mr.1003

[JBC13]

There are two different types of loans.

A paper is what Fanny Mae and Freddie Mac accepts.(all full doc laons with good credit)

BC investors do not sell to Fanny/Freddie and it is a borrower that cannot prove thier income, have challenges with credit.

Does this help?

yeah

we do both..A through D+ credit haha. We do stated and non stated income. But we get all kinds of people and thats the hard part. We get people with such low credit and bust our ass to find a way to make there loan work and then they bitch about there rate and tell me how there friend has such a good rate. You just want to tell them that maybe if they paid there bills on time and didnt have such a low crdit score we could get them a better rate. Thats the hardest part of the job IMO.

[Spark]

The emails are coming in just fine. In fact I am going to send you an email now to give you my personal acccount. So I don't confuse emails like you hahahaha jk.

Check your mail

hahahahaha I can not keep up with you man .. we miss ya around here ...

[Spark]

So this is the one you want me to use bill??? Hope this one works as good as the other one you gave me a few months ago .. that one must have been on sale ...hahahahaha

[ItsBillBelichick]

yeah

we do both..A through D+ credit haha. We do stated and non stated income. But we get all kinds of people and thats the hard part. We get people with such low credit and bust our ass to find a way to make there loan work and then they bitch about there rate and tell me how there friend has such a good rate. You just want to tell them that maybe if they paid there bills on time and didnt have such a low crdit score we could get them a better rate. Thats the hardest part of the job IMO.

I would have to agree with you on that. I enjoy what I do and when I get someone with below average credit a 100% loan with no proof of income and they complain about the rate I bring them back to reality. Where else but America can you buy a house with no money down and no pay stubs to prove your income and live the dream you have?

[ItsBillBelichick]

So this is the one you want me to use bill??? Hope this one works as good as the other one you gave me a few months ago .. that one must have been on sale ...hahahahaha

LMAO

Yea, yea, yea, it works better than your Viagra!

[JBC13]

I would have to agree with you on that. I enjoy what I do and when I get someone with below average credit a 100% loan with no proof of income and they complain about the rate I bring them back to reality. Where else but America can you buy a house with no money down and no pay stubs to prove your income and live the dream you have?

You have to bring them back to reality. It's comcial sometimes.."Well i heard rates are dropping and my neighbors rate is this and why are you charging so much money" lol I enjoy it as well but like i said before i still have alot to learn.

Bill it was great talking to you but i am gonna hit the hay. I am on here most of the day when i am at work so if you ever want to talk again i would love to, you seem like a cool guy. Or get my email form one of the mods if you want.

[ItsBillBelichick]

You have to bring them back to reality. It's comcial sometimes.."Well i heard rates are dropping and my neighbors rate is this and why are you charging so much money" lol I enjoy it as well but like i said before i still have alot to learn.

Bill it was great talking to you but i am gonna hit the hay. I am on here most of the day when i am at work so if you ever want to talk again i would love to, you seem like a cool guy. Or get my email form one of the mods if you want.

Spark could you pass my email on to JBC?

ps just add another point on the HUD for the extra work

Good talking with you too.

[JBC13]

ps just add another point on the HUD for the extra work

Bwahahahaha LMAO

Take care man :christmas