Recent content by sgip

I'm seeing a number of South OC properties with long listing histories at or near their 2022 purchase price points net fees and commissions. We sold in October 2024 at the highest neighborhood PPSF (Thanks again to @usctrojancpa ) Now Redfin is saying our "New Value" in their monthly email...

"I don't care that he's dead." "He's not a hero." "He's a scumbag." "He shouldn't be celebrated." You probably thought that I was talking about Charlie Kirk. Nope. Those are the words of Charlie Kirk. He was talking about George Floyd. While most people don't like the tone or delivery of these...

I don't see "low price in-store shopping" as an enumerated constitutional right. It's a need, but not a right. Needs can be met.in many ways (Instacart, on-line ordering and outside delivery to parked car, etc) I do see a right of assembly, a right of religious expression, and a right of free...

Wanna guess what both Left and Right Wing mass shooters have in common? A) Broken Families B) Anti Depressants Boo hoo all you want about how divorce is a primary cause of depressed shooters acting out against innocent. 90+ percent of shooters being in one or both categories says more about...

The question of 3 ft or 6 ft being the right amount of social distancing isn't the way to think about the question. It's everyone being forced to social distance by a government who didn't know if it was the best way forward, and didn't really practice it themselves when push came to shove...

The first post reflects statistical assumptions IE being told there is a 1 in 500 million chance I'll win the lottery, but we all know the odds are even higher (unless you live in Texas or Missouri :) ) Hardly real science no matter the subject matter. Both articles in the Chat-GPT post were...

I don't think anyone is saying that vulnerable people could be killed by COVID-19 just as they could be harmed by any other virus, the disease was dangerous for some. That's not the issue. The fundamental issues are: A) Was masking, social distancing, and other punitive actions taken...

In some measure, what's good for the Goose should also be good for the Gander, or so this article infers: https://www.propublica.org/article/trump-cabinet-mortgage-fraud If you dig past the headline, there is one instance of possible fraud - an Arizona property purchased as a primary residence...

Anyone remember what the refinance environment was in 2021? 60-90 days to get a loan processed for most folks. If your 2021 refi closed faster, it was a friggin' miracle.... Evidently, Lisa Cook had a miracles take place for both of her transactions. That can only be as both of her refinance...

I'd also say there is a difference between calling ones crime a "paperwork error" versus loud and clear statements that any so called crimes "never happened, and so I'll see YOU in court!". Every "charge" will continue to be appealed and litigated through the courts. Eventually the Tamarind...

She could be arrested, tried, and convicted however for prior criminal acts.

The documentation released so far is pretty clear. We live in the age of blame shifting. It's not me. It's "a paperwork error" or "an innocent mistake". An honorable person would have taken the hit and quietly moved out of the spotlight. Lisa Cook is not that person. Remember dear reader that...

May I suggest applying now, floating your rate, then locking sometime deep in October. That way you'll beat everyone else during the rush to refinance once The Fed cuts rates in September. Your loan will be fully processed and not held up by that expected wave of new loan volume which may delay...

A loan broker could have placed these loans through two different conduits with neither one knowing about it. That's the simple way to do this, otherwise you have to find two separate L.O.'s willing to end the rules - not a very hard task indee The LOE's are boilerplate with: "Those credit...

I have no idea why @OCtoSV refi'd so this is just an overview to answer the original question - "So it's worth doing for 50 bp's? " Generally speaking, if a refi is for a payment issue, yes, a .25 to .50 rate reduction refi makes sense. Some borrowers simply don't care about paying off their...