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  1. 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...
  2. 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.
  3. 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...
  4. 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...
  5. 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...
  6. 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...
  7. 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...
  8. 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...
  9. 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.
  10. 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...
  11. 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...
  12. 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...
  13. sgip

    Tesla Cybertruck

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

    New communities in Portola Springs

    "Area Expert....." I guess it's what to expect when you have one listing photo showing a bare dirt back yard yet two other photos showing a 'shopped "grass" backyard?
  15. sgip

    Newer Irvine listings with crazy WTF asking prices from equity sellers

    @CalBears96 You are right about vacant homes being purchased by some as a future investment. It's often a cash deal. When financed however most want only owner occupied rates and terms for a home that is required to be occupied by the borrower within 60 days. The transaction you've described is...
  16. sgip

    Newer Irvine listings with crazy WTF asking prices from equity sellers

    No one cares about money laundering. If they did, the OC real estate market would crash. If money laundering is suspected, realtors and escrows are to report it, but while the cash is flowing like a tsunami from Kamchatka, why would anyone go against the tides and stop the party? If we knew...
  17. sgip

    Real Estate Competition

    Hard to say White Flight is part of all this. Humans, no matter their melanin level, are among other things greedy, lazy beings. An "Irvine original" homeowner is selling their property. 888 offers come flooding in. The top buyers are either way over list or all cash. At that point do these...
  18. sgip

    President Trump

    Let's hope this news on Tuesday isn't simply TACO https://www.zerohedge.com/political/trump-considering-eliminating-capital-gains-tax-houses
  19. sgip

    Orchard Hills 4 - "The Summit" Updates

    Curious... was that $120k on just rear yard landscaping or front as well?
  20. sgip

    Toyota moving to Texas

    Video interview about In-N-Out move. Thanks Governor Dippidy Doo.
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