Posted by Charlie Ervin on 8/21/13 12:51pm
Msg #481389

Message Deleted

This message has been deleted by a forum moderator.

Reason: Advertising

Reply by docs1954CA on 8/21/13 1:04pm
Msg #481391

Time to use the report button on this one.

Do your advertising some where else.

Reply by Charlie Ervin on 8/21/13 1:26pm
Msg #481399

Re: Time to use the report button on this one.

I am a notary read my profile. I am just trying to help my background is in the mortgage field so I read up on what can make me the best in our business. I know it is hard for you to believe people help others out after reading how some of you act on this site. But this is simply a offer of help not trying to sell anything.

Reply by docs1954CA on 8/21/13 1:37pm
Msg #481402

Don't start pointing fingers Charlie,

Your profile reads like a sales pitch as does your post.Is your name Charlie Ervin, or Charlie Konotary11.

"I know it is hard for you to believe people help others out after reading how some of you act on this site. But this is simply a offer of help not trying to sell anything."


Not trying to sell anything? That's BS.

Reply by Charlie Ervin on 8/21/13 1:47pm
Msg #481405

Re: Don't start pointing fingers Charlie,

I am just offering help... I read all day about how bad things are so I just wanted to post about some good news. Oh and your not on this site to improve your name and your business?? Please get a grip.. No wonder why you sit on here crying get to work.

Reply by docs1954CA on 8/21/13 1:56pm
Msg #481412

I don't usually argue with morons, but for you I will



"Oh and your not on this site to improve your name and your business?? Please get a grip.. No wonder why you sit on here crying get to work.


I am on this site for business reasons, I don't advertise my other business activities here.That's the point Charlie you don't seem to get.Here's the problem, you are trying to sell loans here, that's not allowed and since you work on a commission basis, anything out of your mouth in that regard is usually a lie.

Look at my previous posts, you won't see one from me crying about the lack of work.

Reply by RonnieB/NC on 8/21/13 3:16pm
Msg #481444

Re: Don't start pointing fingers Charlie,

lol!

Reply by Linda_H/FL on 8/21/13 1:46pm
Msg #481404

"Inbox me to get more information. "

For what? Based on your initial post, inbox you to get more info on how they can get a mortgage to buy a house despite a poor credit score and recent credit history issues....tells me you're pushing your mortgage biz, not being a signing agent...and pushing for commissions.

Sorry Charlie.

Reply by Linda_H/FL on 8/21/13 1:06pm
Msg #481392

Agree...advertising

Not to mention "...with a recent history of BANKRUPTCY, FORECLOSURE, JUDGEMENT, SHORT SALE, DEED -IN-LIEU DO NOT HAVE TO WAIT TO BUY A HOME. They can now get FHA-APPROVED w/500 CREDIT SCORE "

Isn't this what got us in this pickle we're in to begin with??!!

Reply by Charlie Ervin on 8/21/13 1:34pm
Msg #481401

Re: Agree...advertising

Now to say that this program wouldn't help out signing agents is very silly... If people are able to buy houses we get more signings that simple and easy.

Reply by Notarysigner on 8/21/13 1:54pm
Msg #481410

Re: before this get's out of hand IMO just

name the "program" and you will have fulfilled your offer of help.

FWIW the word help does not appear in your OP so that could be why you are being bombarded.

This forum is like NO OTHER.

Reply by Charlie Ervin on 8/21/13 1:58pm
Msg #481415

Re: before this get's out of hand IMO just

FHA "back to work" look it up I would post it but wouldn't want to offend you.

Reply by Notarysigner on 8/21/13 3:08pm
Msg #481439

Oh well! I suppose I could have attacked but

I promised a few years back to not do so. Palm Springs....hmmmmmm!

Reply by Notarysigner on 8/21/13 1:13pm
Msg #481397

Ditto Linda... n/m

Reply by Yoli/CA on 8/21/13 1:48pm
Msg #481406

Charlie: Are you a mortgage broker now?

Your profile states you were previously an underwriter for W/F and BofA. My understanding is if you're a loan officer (salesman), you are supervised by a broker for compliance.

Guess my question is: In what capacity are you claiming to be able to help people? Just curious .....

Reply by Charlie Ervin on 8/21/13 1:55pm
Msg #481411

Re: Charlie: Are you a mortgage broker now?

Great question a underwriter is not a loan officer. I was the person that said your loan was approved. I sat in a nice a/c room pressing buttons. I didn't sell nothing I worked on files that were giving to me. The help is that FHA is coming with a new program that will put us back to work. I only didn't put all the information about the program on here because I didn't want to crowd the post and I didn't think it matter but if anyone had question I could inform them of what I read.

Reply by bagger on 8/21/13 1:57pm
Msg #481414

Now, THAT was a difficult read. n/m

Reply by jba/fl on 8/21/13 3:07pm
Msg #481437

Yes, it was. As is the profile. both need serious work.

Starting with the English language. If you don't speak English well, get a friend to help you. Ask someone for help to polish your image.

I thought you were a Nigerian scammer - TRUTH.

Reply by anotaryinva on 8/21/13 3:13pm
Msg #481442

Re: Yes, it was. As is the profile. both need serious work.

I think you might have confused your name/alias when setting up your profile.

Reply by Teresa/FL on 8/21/13 2:12pm
Msg #481418

Please post a link to your source of information n/m

Reply by Sylvia_FL on 8/21/13 3:31pm
Msg #481447

Re: Please post a link to your source of information

I think this is what is meant.

http://www.nationalmortgagenews.com/dailybriefing/FHA-Issues-Guidelines-Back-to-Work-Lending-Program-1038235-1.html?site=default_on

Reply by jba/fl on 8/21/13 3:46pm
Msg #481450

Re: Please post a link to your source of information

Why is it up to us to decide what we think he meant? This comes under communication skills.

Charlie - posting links is preferable to guessing what you are speaking of. Also, if you had just posted the link, perhaps people would be shaking their fingers at you now. We post links here all the time for discussion.

Reply by Sylvia_FL on 8/21/13 3:54pm
Msg #481452

Re: Please post a link to your source of information

He had said search on FHA back to work.
Why he just couldn't have posted the link I don't know.

Reply by jba/fl on 8/21/13 6:52pm
Msg #481488

Correction: people would NOT be shaking their fingers.... n/m

Reply by Buddy Young on 8/21/13 4:03pm
Msg #481455

Re: The gloves are comming off.

In reference to Hugh's post in leasure a few days ago. Charlie "take it like a man"

Reply by MW/VA on 8/21/13 4:51pm
Msg #481463

Please read "Rules & Guidelines" for posting at the top

of the page, Charlie. Typing in all caps is considered shouting.
Thanks for this news. I think the problem is that your form of communication comes across from an Underwriter's viewpoint.
I've also heard recently from a RE Agent, that people are qualifying for FHA loans with no down payment whatsoever. Some will say "here we go again", and that's what caused this mess in the first place. I know steps are being taken to help the home/mortgage industry recover, but I see big problems ahead on loosening the qualification criteria.
I'm sure it's the result of the complaints that lending had got so tight that almost no one qualified.

Reply by Charlie Ervin on 8/21/13 4:59pm
Msg #481466

Re: Please read "Rules & Guidelines" for posting at the top

Thank You so much. I am sorry for writing in caps I was excited and figure things would be picking up for the business and wanted to share.

Reply by Marian_in_CA on 8/21/13 6:29pm
Msg #481483

Re: Please read "Rules & Guidelines" for posting at the top

Yeah.... if it were that valuable, then I'd just post the information directly. Otherwise it sounds like you're trying get referrals or selling something.

BTW, for those asking about purchasing with recent credit issues or low credit. There are some people where this is actually helpful. I know that where I live, rental prices for a 3-4 bd house are $700-$1200 a month. Yet, houses are selling (no joke) for around $40 - $60K (some even less on short sales) -- which, even with a high interest rate, would make a mortgage payment far less than rent. That would free up income for some of these people that might be needed elsewhere to improve their situation and get out of debt. A house in my neighborhood just sold for $39,500 -- and it's less than 10 years old and is good condition. It was a short sale. The problem? It's almost impossible to secure financing for home at that price level because it's not enough. For example, USAA (a common lender out where I live) will only finance a minimum of $50,000 and the home must appraise for at least $75,000. Well, that's incredibly difficult...even the homes out here are actually quite nice. The market values are just too low. Well, what's happening is that investors are coming in and paying cash for these great houses and turning them in to rentals, making a fortune.

It's not an answer for everyone, and would only work where the Real Estate market is right, but I know it's possible...and would actually be beneficial for those with average to lower incomes because their housing payments would plummet. I mean, think of a family that has a $1200 rent payment, now being able to have a $500-$600 mortgage payment instead. I've seen it happen a lot out where I'm at... most of them, though, are going through private investors because the property values are too low for banks to want to deal with it.

Reply by MW/VA on 8/21/13 9:18pm
Msg #481497

Thanks, Marian. That's what I understand about the shift,

as well. Everyone needs housing, after all, and rent is often higher than owning--much
higher in the long run. I know I've had to hold onto my condo for similar reasons. The RE bubble hit, prices jacked up $100K, and I got shut out. I often commented that "affordable housing had completely disappeared". Developers here had absolutely no interest in anything except high-end, high profit building. Some of them got burned bad, too, and I didn't feel bad about that at all.

Reply by JanetK_CA on 8/21/13 11:20pm
Msg #481508

Re: Please read "Rules & Guidelines" for posting at the top

As someone else alluded to, I think what caused the reaction you got for a lot of people was that, instead of just posting all the info (or the link, as others said), your post appeared to be just be a teaser trying to get people to contact you. That's a big red flag. It's either of enough interest to post the whole thing or it's not worth posting at all. Bad form for people to have to contact you off the board for more details... It comes across as self-serving.

Reply by 101livescan on 8/22/13 8:41am
Msg #481518

What we have here is a failure to communicate.Read the rules n/m