Jet-Lee
Jul-24th-06, 4:53 pm
I pulled these out of another forum where I posted them originally.
Well fuck, I say American Mortgage is good, and now this.
They don't know what ADFA, RD or ADFI loans are. RD?!!! Rural Development!!!! ADFA?! Downpayment Assistance!!!!!!
My god.......
Can't read the Social Security Card? You want me to lighten it up on the copy machine?! IT'S AS LIGHT AS THE COPY MACHINE WILL GO AND IT'S STILL TOO DARK?!! Get your eyes checked, lady. Here, I'm gonna scan it into the computer, full color, and email it to your ass!
For fucks sake people, you've got my number, CALL ME!!!! NOT MY WIFE!!!! SHE DOESN'T HAVE THE FUCKING DOCUMENTS!!!!! THAT'S WHY MY VOICEMAIL TO YOU SAID CALL ME!!!!!!!!!!!!!
fuck
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They don't talk to me, regardless of how many times I call them and leave messages to call me back, they call my wife. That's what's pissing me off really bad. I'm the one that works for a mortgage company, and they talk to my college student wife, wtf?!
Her: "And they ask us to fill this part out, whether you look asian, african, mexican, white, or what-not. I don't know why, but they ask it. It's just what you look like, not what are. And..."
Me: "It's for HMDA(pronounced humda)."
"Huh?"
"HMDA."
"What's that?"
"Federal reporting to make sure your not discriminating. They compare all your data, who's denied, who's approved, ethnic background, appearance, sex, reasons for denials, all that stuff, then determine if your business practices are prejudiced in any form or fashion."
"Well, I don't know. They just tell us we have to do this."
"...(looks out window)"
I just fucking told you why. Did you read that part that you just typed in that says my title, "Mortgage Systems Administrator"? Yeah, I make loan programs and make and send reports to the Federal Government That You DONT FUCKING KNOW ABOUT! FUCK!
They're stupid...
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...but they've got "hundreds of loan programs", just none of them are RD, ADFA, ADFI (improvement loans), Freddie Mac, FHLMA, and they're dumber than rocks, and sexist I think.
Check this out.....
Originally posted by Loan Officer
We got an automated approval through Fannie Mae which will allow us to go either FHA or Conventional. Fannie Mae is the automated underwriting system for all conventional loans as well as
FHA. Hope this clears things up, if not just shoot me another e-mail and maybe I can help clear thing up.
Umm, If we just got approved through Fannie Mae (FNMA), then we're preapproved through FNMA. FHA is another ballgame. Conventional IS FNMA. FNMA is NOT an automated underwriting service, it is a government backed loan, just not as reliant on the property as FHA, but more strict on credit. Desktop Underwriter is an automated underwriting system. I know this because, guess what, I'M THE ADMINISTRATOR!!!!
:headshake:
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The only reason I know this is because I deal with these companies and Government Agencies every single day. It's my job to make sure the Loan Officers have the required permissions and accesses to these companies and agencies. A normal person off the street with no mortgage experience wouldn't know any better and it would appear the process is smooth as hell.
Well fuck, I say American Mortgage is good, and now this.
They don't know what ADFA, RD or ADFI loans are. RD?!!! Rural Development!!!! ADFA?! Downpayment Assistance!!!!!!
My god.......
Can't read the Social Security Card? You want me to lighten it up on the copy machine?! IT'S AS LIGHT AS THE COPY MACHINE WILL GO AND IT'S STILL TOO DARK?!! Get your eyes checked, lady. Here, I'm gonna scan it into the computer, full color, and email it to your ass!
For fucks sake people, you've got my number, CALL ME!!!! NOT MY WIFE!!!! SHE DOESN'T HAVE THE FUCKING DOCUMENTS!!!!! THAT'S WHY MY VOICEMAIL TO YOU SAID CALL ME!!!!!!!!!!!!!
fuck
---------------------------------------------------------------------------
They don't talk to me, regardless of how many times I call them and leave messages to call me back, they call my wife. That's what's pissing me off really bad. I'm the one that works for a mortgage company, and they talk to my college student wife, wtf?!
Her: "And they ask us to fill this part out, whether you look asian, african, mexican, white, or what-not. I don't know why, but they ask it. It's just what you look like, not what are. And..."
Me: "It's for HMDA(pronounced humda)."
"Huh?"
"HMDA."
"What's that?"
"Federal reporting to make sure your not discriminating. They compare all your data, who's denied, who's approved, ethnic background, appearance, sex, reasons for denials, all that stuff, then determine if your business practices are prejudiced in any form or fashion."
"Well, I don't know. They just tell us we have to do this."
"...(looks out window)"
I just fucking told you why. Did you read that part that you just typed in that says my title, "Mortgage Systems Administrator"? Yeah, I make loan programs and make and send reports to the Federal Government That You DONT FUCKING KNOW ABOUT! FUCK!
They're stupid...
-----------------------------------------------------------------------
...but they've got "hundreds of loan programs", just none of them are RD, ADFA, ADFI (improvement loans), Freddie Mac, FHLMA, and they're dumber than rocks, and sexist I think.
Check this out.....
Originally posted by Loan Officer
We got an automated approval through Fannie Mae which will allow us to go either FHA or Conventional. Fannie Mae is the automated underwriting system for all conventional loans as well as
FHA. Hope this clears things up, if not just shoot me another e-mail and maybe I can help clear thing up.
Umm, If we just got approved through Fannie Mae (FNMA), then we're preapproved through FNMA. FHA is another ballgame. Conventional IS FNMA. FNMA is NOT an automated underwriting service, it is a government backed loan, just not as reliant on the property as FHA, but more strict on credit. Desktop Underwriter is an automated underwriting system. I know this because, guess what, I'M THE ADMINISTRATOR!!!!
:headshake:
-------------------------------------------------------------------------
The only reason I know this is because I deal with these companies and Government Agencies every single day. It's my job to make sure the Loan Officers have the required permissions and accesses to these companies and agencies. A normal person off the street with no mortgage experience wouldn't know any better and it would appear the process is smooth as hell.