The OFFICIAL *FUCK I DON"T WANNA GO TO WORK TODAY* Sign In Sheet
- Thread starter Dana Dane
- Start date
coming dec,.......stay tuned......i got sneak peak for those that are willing to get down on a $500 money order...sent to me and the proceeds will go to men suffering from retarded ejactulaion, and farm aid...so far i have four people saying that they gonna send money,...dam i cant keep my pm clear after i posted this,.....yodell back
I just want allllll my hard working folks to know....that I'm off today, tomorrow.. hell.. until TUESDAY..!!!
yeeeeeeeeeeeeeee!! .. I havent had this many days off at once since.... since... ummmm... shit its been a year.. my trip to Seattle in November of last year.. anyway-- I'm headed to the Bay.. I'm about to be drinkin'.. smokin'... and... errr.. shoppin'...! ... LOL..
yeeeeeeeeeeeeeee!! .. I havent had this many days off at once since.... since... ummmm... shit its been a year.. my trip to Seattle in November of last year.. anyway-- I'm headed to the Bay.. I'm about to be drinkin'.. smokin'... and... errr.. shoppin'...! ... LOL..
I do wanna come to work tomorrow and this is why
http://www.siccness.net/vb/showthread.php?p=1660618#post1660618
http://www.siccness.net/vb/showthread.php?p=1660618#post1660618
Da6Footah said:
Eeeehhh...I have been a mortgage loan processor for over 10 years. While I would LOOOOVE to change career paths, I don't think I can make what I need to make entry-level anything.... 
yeah dana this fool came in my spot,...we was about to close but he got this big ass envalope and talking on his celly,....i was like leave bootch,...
and so when he get's off,...then he starts talking about how he hates working hard and that he's glad he's making so much money these days being a loan officer,...like i'm a min. wage brite eyes kid,.....
he gave me a biz card i think it said seafirst banking,...but can you shed some light on the industry?
and so when he get's off,...then he starts talking about how he hates working hard and that he's glad he's making so much money these days being a loan officer,...like i'm a min. wage brite eyes kid,.....
he gave me a biz card i think it said seafirst banking,...but can you shed some light on the industry?
Bottom line, its all based on percents (points). For the ease of my demonstration, I am going to use a loan amount of 100,000 (you don't even do 2nds for 100k these days). The higher a rate you sell the borrower, the more points you can get from the lender. On a 30-year fixed, at 5.875, you might only get .5 point, but at 6.375, you are getting 2 points, or $2,000. You can also charge points on the front, so if you charge 1 point up front, and get a 2 rebate from the lender, you are now making $3,000 on the loan. Based on the arrangement you have, you have to 'split' the commission with your broker, anywhere from 50% with a shitty split, or 80-85% with a generous split. I will use a 70% split for this purpose. Out of the $3,000 you make, $2,100. If you do that 3 times in a month, you make $6,300. Its pretty easy, if you are good and you have a good processor that works for you. A good loan officer can realistically close 10 loans a month. And now the loan officers are pushing these shitty loans called "Pay Option ARM"s. Without goin into the ins and outs, the lender pays 3% rebate on those loans. So, on your $100,000 loan, with a point up front and 3 rebate, the gross to the house is $4,000, you bring home $2,800 after the broker takes his cut off top. Again, close 3 loans in a month, you made $8,400. ****OH YEAH: ALWAYS ALWAYS ALWAYS Bonus your processors!! Some brokers frown on it, but the processor is not going to tell on themselves and lose out on the cash. When you get your check, give up between $100-$300. It won't go unnoticed and you will also see your processor step their game up.****
Ummm yeah....ok.....Well I have this business going seeling Cutco knives.....they cut right through a penny, good knives....well if you come work for me you could be your own boss in 3 months and have up to 8 people working under you...and they could have 8 people working under them...and you generate revenue from each sale made by everyone under you..its a multi level marketing plan and then profits this year are sky high......for only $129.95 I can get you started ....just call my 900 # and listen to the recorded message....