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  1. sgip

    Covid 19 Vaccines kill

    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...
  2. sgip

    President Trump

    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...
  3. sgip

    Covid 19 Vaccines kill

    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...
  4. sgip

    Covid 19 Vaccines kill

    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...
  5. sgip

    Covid 19 Vaccines kill

    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...
  6. sgip

    How low can we go? 30 yr fixed at 3.75% with no fees...

    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...
  7. sgip

    How low can we go? 30 yr fixed at 3.75% with no fees...

    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...
  8. sgip

    How low can we go? 30 yr fixed at 3.75% with no fees...

    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...
  9. sgip

    How low can we go? 30 yr fixed at 3.75% with no fees...

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

    How low can we go? 30 yr fixed at 3.75% with no fees...

    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...
  11. sgip

    How low can we go? 30 yr fixed at 3.75% with no fees...

    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...
  12. sgip

    How low can we go? 30 yr fixed at 3.75% with no fees...

    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...
  13. sgip

    How low can we go? 30 yr fixed at 3.75% with no fees...

    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...
  14. sgip

    How low can we go? 30 yr fixed at 3.75% with no fees...

    What LO. would allow it? The count is almost infinite. Lisa Cook's signature is on the documents. So is the LO's .... The Underwriter (if there was one as many loans are approved by software and not humans) should also be under review based on the the L.O.'s application. I don't know if these...
  15. sgip

    President Trump

    Chicago's leaders say one thing but their people say quite another. I trust the people. Wake me once The Marigold Monarch federalizes The Palisades and Altadena burn zones, getting rid of Governor Dippidy-Doo and Mayor Brillo Pad, and thus allowing the rebuilding pace to go from "snail" to...
  16. sgip

    Olivewood at Portola Springs by New Home Co.

    For a 2 car garage (as per listing)??? That's some strong shiat they're sniffing to list at that price.
  17. sgip

    Are builders flexible with closing dates?

    I'd look to see when the builder reports their earnings, assuming they are a public company. Those reporting dates are a big factor in when you can close. For example, some builders FY end is October so closing in January may be no issue. Only a Per Diem may be charged. Others might report as of...
  18. sgip

    Orchard Hills 4 - "The Summit" Updates

    Had the builder not offered the same deal to under contract, near to closing buyers everyone would have cancelled. Reselling a previously customized home can be difficult. Those who already closed would have put signs in their windows complaining about the builder eventually causing a stigma...
  19. sgip

    President Trump

    I'd prefer to see them build ADU's in LA and SF so those who voted for Bass / Newsom, ect can live alongside them. It's only fair that voters who wanted the policies that lead to this problem get the reward of seeing first hand what the results are. If you say that's unfair, how is it fair to...
  20. sgip

    Tesla Cybertruck

    https://fortune.com/2025/08/08/air-force-tesla-cybertrucks-missile-targets/
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