You Won't Believe Brian & Frank's Halloween Costumes - 10.30.09 | Personal Finance For Life / Jeff Underwood TV and Coaching

Tony Croft: (November 02, 2009 5:24pm)

Great Costumes!!

Dog'n the broker: (November 02, 2009 9:34am)

Perfect example of why the mortgage industry needs an over haul. Mortgage Broker extinction is eminent. Thank god.

johnboy: (October 31, 2009 12:39pm)

Brian & Frank You Guys looked hot in your costumes!! Happy Halloween!

isell: (October 30, 2009 3:09pm)

Tax credit will become prehistoric, no need for it anyomore, heck we cant find homes for 80% of our buyers, credit does us no good with out inventory.

Mortgage Broker Gal: (October 30, 2009 2:19pm)

G: Where did you ever get the idea that the 'Seattle metro-sexual look' features dirty bodies and dirty hair? Just what part of town are you hanging out? I want to avoid it!

brian tbws: (October 30, 2009 1:47pm)

I've heard both ways on the tax credit. My thinking is, its assumed it will pass. There's ample support to get this done. However I dont think its happened just yet. When it does pass, you'll hear about it everywhere.

Smash: (October 30, 2009 1:24pm)

IMPORTANT - Where did you get that info? TO ALL THE PERVY DUDES - Are you stuck behind your desk so much that you never see any nice looking women? PLEASE STOP with all the gross comments!!!!

leothedog: (October 30, 2009 1:08pm)

The heck with Frank & Brian. I wanna see THESE TWO every morning!!

**NOT IMPORTANT**: (October 30, 2009 1:08pm)

I HAD TO LOOK UP THE POGUES...I GUESS I JUST DONT'T GET IT.. TO EACH THEIR OWN I GUESS. I AM SURE THEY LIKE TO SEE THEY HAVE A FAN. AT LEAST IT'S NOT MAINSTREAM MUSIC.

**IMPORTANT**: (October 30, 2009 1:02pm)

IT PASSED.....THE CREDIT WILL CONTINUE ACCORDING TO NAMB

Happy Halloween!: (October 30, 2009 12:58pm)

Frank, you never looked so good. But next time, just sit there and look pretty :)

G: (October 30, 2009 12:48pm)

Hey Nate, What is up with the do? MOre 30 weight and a brush might help. You have that Seattle metor sexual I dont shower or wash my hair and I think im cool thing going on. Its not working

joecolorado: (October 30, 2009 12:14pm)

@vorpal-Eldora got over 24" and its a great beginner ski area learned to ski there myself. Going to watch CU tomorrow, playing Missouri. Hopefully they will bring their game..Mary Jane /winter park also a little hard to get there for just the day, but great skiing. I like to ride my M/cycle over in the summer months when Trailridge is passable. Still, try and get over at least once per year. Dont do any appraising up that way, but its a phenominal ride. Estes Park is my usual riding limit, but will venture through the National Park once in a while. Gotta go meet some potetial non mortgage clients, but will be on here periodically. Have a nice Halloween.

vorpal bunny: (October 30, 2009 11:55am)

Graduated from CU - LOVE Colorado. Skiied Vail, Aspen, Winter Park (b4 Mary Jane was it's own destination-oops, dating myself) Steamboat and A-Basin. Spent many a cold night skiing at Eldora (close and cheap!). Hmmm those were the dayzzzzzzz.

joecolorado: (October 30, 2009 11:47am)

@vorpal, Steamboat is a little too far to go, when there are excellent ski areas closer within a days drive so I dont stay the night.

joecolorado: (October 30, 2009 11:46am)

vorpal-definately, but I just enjoy Copper and ABasin so much more.

vorpal bunny: (October 30, 2009 11:34am)

@ hotpadfinder The law is the offer has to be presented but the seller doesnot have to accept unless it is all cash at the listing price and no addtional terms, conditions, or contingencies. If the seller refuses that offer then there's a lawsuit coming their way. If the Realtor is not presenting the offer, THEY are violating the law and should be reported to their principal broker (or who ever holds the license for that RE office). Then report them to the state authorities.

vorpal bunny: (October 30, 2009 11:25am)

@joec; Winter Park/ Mary Jane is the best area hands down. Er maybe Steamboat on a powder day... Hmmmmm choices......

Embarrased to be a Lender Right Now: (October 30, 2009 10:59am)

People gave you flack for reporting on the LendAmerica guy? Huh???? People should be outraged at him, not at TBWS, what a bunch of freaking knuckleheads!

Chris Sorensen: (October 30, 2009 10:58am)

Guys, don't be apologetic for taking a stand. You are 100% correct. A lack of enforcement created the unfair competitive advantage the Mikes and others enjoyed for years. If you followed FHA/HUD requirements you couldn't afford to pay high commission and therfore the originators gravetated to others. If you didn't follow the rules you could create Affiliated usiness Agreements and create Marketing Agreements and spend a ton on mass mailings or telephone banks to generate leads. P.S. Seriously? What was up with Nick? Credibility. You are who you hang with.

brian tbws: (October 30, 2009 10:53am)

Indy & Greg. I just saw the pogues in concert a couple of weeks ago. I've got lots of memories tied up with their tunes. Im a huge fan. Its great to see im not the only one.

O Doyle: (October 30, 2009 10:45am)

O Doyle Rules!

hotpadfinder: (October 30, 2009 10:39am)

VA loans. Our vets buying homes, or I should trying to. IT seems that everytime I put an offer in for my vets, the agents say "they're too much work", or "we dont take VA loans", I ask why, I was told "well, seller won't pay closing costs". whatever! Isn't this a form of Discrimination? If my buyers are completely approved, and have everything it takes to buy a home, except they have a VA loan? Is there some kind of Regulation, rule.. etc that I can refer them too that says that They must take this offer.

Danny Flucke - NaMoEx.com: (October 30, 2009 10:22am)

March? We are in for a steady decline until 2011. Why? Billions in Neg-Am's that are just NOW adjusting/defaulting. And we all know how effective the lenders are at foreclosing/modifying. This glut of defaulting homes will drive home prices down for at least a year or two. Seems comical that "experts" are claiming a "recovery" - When every market (housing, financial, auto, etc) has been artificially supported with bailouts using weakening dollar. In 2012 - 2009 will seem like the "good ole days"...

Lender634: (October 30, 2009 10:21am)

WEAR THOSE COSTUMES EVERYDAY!!!!!!!!!!!!

MortgageAngel: (October 30, 2009 10:19am)

expIREation is to expiration what RealAtor is to Realtor

Ex Phx Realtor: (October 30, 2009 10:17am)

While you're writing your congressman for HVCC, please include this: Something scary for Halloween. http://www.personalliberty.com/feature-video/goodbye-u-s-sovereignty-hello-one-world-government/ To see the full video http://www.youtube.com/watch?v=4zOXmJ4jd-8&feature=channel

Appraiser Pete: (October 30, 2009 10:04am)

How can I get steady appraisal work? I've been hanging on by my fingernails for too long. I want to get back to making steady money. Are any appraisers out there working with BK attorneys or any attorneys for that matter to get appraisal work? Also, how close are we to getting HVCC repealed? Any ideas are appreciated

Bono Vox: (October 30, 2009 9:48am)

Based on their abilities, those gals were obviously Realtors. Or title reps. "Let's trade"? Really? So that's how it is in the TBWS family. Nate would have a slick look if this was 1985. The LendAm guy represents every lying, cheating scam artist we all work with every day....but they never get arrested for some reason. There is justice. No more gerbil talk! This isn't the locker room. That said, I'm leaving to offer candy to little girls....."of age" little girls....

KatieFan: (October 30, 2009 9:46am)

Smash... it is included in the Bill to extend the unemployment benefits... H.R.3548. You can find info on all Congressional Bills that are coming up by visiting Congress.org. Hope this helps.

Smash: (October 30, 2009 9:22am)

Does anyone know the Bill # for the homebuyer tax credit extention?

KatieFan: (October 30, 2009 9:08am)

Joe...I actually do contribute to this discussion with well thought out and industry based topics, I just use my professional handle when doing that. I have never berated you or anyone else on here and reading back do not know where you got that idea.. sorry if I offended you but it was not meant to be. I also apologize to everyone because I think Katie is hot, but my wife does too…

KatieFan: (October 30, 2009 9:02am)

Gerbilhater... not to mention some folks from ACORN who want to help start a brothel with underage girls from El Salvador. The fun never stops at the Dirksen Senate office building, Schumer brings in the NY hookers... ok.. and WHERE IS KATIE??? …and TheFYouSay, hard to stalk someone from SF when you live in DC, just a long distance admirer.

joecolorado: (October 30, 2009 9:00am)

Katiefan-its a discussion site, you werent contributing at that point and I was, I havent seen you contribute very much other than innuendo dribble in any event....then you have the cajones to berate me for keeping a string open...what a pompous chauvanist ass, now if you would just contribute something that is worth while discussing I will listen to what you have to say, but certainly have better manners that to berate you for your perversion.

Rate Alert: (October 30, 2009 8:56am)

FinanceLogic - One of the great things about Rate Alert is that you can go into your alert controller and increase the sensitivity of it. So jump on in there and do it. It is a feature that you get with the paid versions though, heck basic is only like $10 a month or something.

Gerbil hater: (October 30, 2009 8:53am)

TheFyouSay you can not beat down using gerbils until you have tried one for yourself, why don't you meet me in Washington at the left wing of the congress building and i will show you what you are missing, make sure to not open any of the doors on this floor as usally Chris Dodd or Geitner have been know to sneak baby goats and sheep in there with some peruvian hookers...they don;t call me the Frankmeister for nothing..i am sooo supppwerrr

TheFyouSay: (October 30, 2009 8:48am)

@KatieFan.. Dude, way beyond a fan you are a stalker. @Giving up the Gerbils.AKA Barney Frank... wrong, just wrong.

Giving up the gerbils: (October 30, 2009 8:43am)

Damn those fine ladies are enough to make me want to give up my gerbils, but nah i am still as queer as a $3 dollar bill. Barney Frank

FinanceLogic: (October 30, 2009 8:36am)

Yesterday I received my lock advice about one minute after the lender's rates worsened. It would be nice to receive those emails in order, so I can know to lock PRIOR to the rates worsening.

OC short sale: (October 30, 2009 8:34am)

Your Video Rating doesn't work. Love the show.

Lion: (October 30, 2009 8:28am)

Love your stuff. If this is Halloween I can hardly wait for Thanksgiving and Christmas.

KatieFan: (October 30, 2009 8:21am)

...or is Katie dressing up as Nate for Halloween?

KatieFan: (October 30, 2009 8:19am)

Colorado... he was born in the summer of his 27th year, comming home to a place he had never been before... ok, enough of ther John Denver... WHERE IS KATIE? What is she going as for Halloween?

TheBigEasy: (October 30, 2009 8:08am)

I believe that is the best ending you guys have put on yet.

joecolorado: (October 30, 2009 8:07am)

my house only got 24"+/-, but Rollinsville/Central City got over three feet!!!!the snow initially was heavy wet snow flakes that thumped down when they landed, but the evening stuff was light, big flakes, lots of them.It took me nearly two hours snow blow my driveway,my elderly neighbor's took about 50 mins,so I was pretty cold at the end of that stint. Now there is going to be a thaw,with the run off,so measuring the buildings on an appraisal is going to be fun particularly in the foothills.

joecolorado: (October 30, 2009 8:00am)

James, great skiing, unfortunately cant afford the lift tix right now..you know the story. BUT heckofa place to test out your skill on those slopes,love Copper Mountain and Loveland, havent skiied at Vail or Aspen(Dont have the clothes or the money) and Breckeridge is fantastic,but prefer Loveland/A Basin.The ride up is a pain along I-70 with all the traffic but then again I am one of the travelers so I contribute to the issue and hate the drive back home...but its usually a fun day,expensive but fun.

James the Appraiser: (October 30, 2009 7:51am)

joecolorado - I have roots in Colorado, was even born in Denver and we lived in the big city south of there, Colorado Springs. My grandfather's story is one of ledgend, but I will not go there here. Never skied there, only on the west side of the Rockies in that other state, lol. Wish I could be there for a few trips down the hills with you

joecolorado: (October 30, 2009 7:46am)

Michigan Broker-unfortunately a forensic audit is doen when its TOO LATE...The damage is already done,now they go back into a situation and lay the blame on someone other than the idiots that gave the defaulter the money to buy or refinance the property in the first place.The snow here has stopped falling, and its beautiful outside, the sky is eggshell blue,no wind,cold but not freezing,good base snow, with top snow, light and fluffy and GREAT for powder skiing.WOOOOOHOOOO

joecolorado: (October 30, 2009 7:34am)

Sierra-When was the last time YOU went skiing? Have you seen the cost of a Lift ticket recently....you NEED a Tax Credit to be able to afford one!

Sunny: (October 30, 2009 7:33am)

As I send my kid off to school in his homemade Ben10 costume today that he made himself I wonder if the other kids at school will appreciate his hard work or get thier azzes kicked by HeatBlast?? Great costumes guys keep up the good work.

James the Appraiser: (October 30, 2009 7:28am)

WOW -love those hoops, now I need a cold shower, love that dark haired gal the most, why did you guys have to put them on on a day I will be here in the office all day, I just can't sit right now

Clulessdad: (October 30, 2009 7:23am)

Frank & Brian-are you two still going to take the HVCC Petition to NY before Turkey Day?

Michigan Broker: (October 30, 2009 7:15am)

Whatever happened to the pending legislation concerning the loan modification companies collecting up front money? The scam is going stronger than ever. The latest is claiming they do "forensic audits" on mortgage documents to find infractions. But they still charge a couple of thousand dollars up front with no obligation to help the borrowers.

sierra sam: (October 30, 2009 7:15am)

keep up the snow reports, sking will be all we will be doing after we lose the tax credit.By the way Provident believes an appraiser from Davis is qualified to an appraisal in Orinda, what the fu....!stop hvcc now.

Greg: (October 30, 2009 6:53am)

Nice Pogues t-shirt!

GODLIKE: (October 30, 2009 6:47am)

And she wasn't the blonde!! Just proves stereotypes aren't always right. I never realized how tough Frank and Brian's job was.

Mr. Gerth: (October 30, 2009 6:42am)

True... if the tax credit stops, home sales will defininely slow especially through the winter market. It will make the seasonal decline in home sales seem even worse. I'm not a fan of the handouts either, but this is a case I would agree. The timing originally set for this to stop was just stupid planning to begin with. And as for the costumes... LOL... I too am a fan of the ladies... particularly the brunette :-)

The Optimum solution: (October 30, 2009 6:13am)

Hey, Please bring back does two ladies.!! They were funnyyyyyyyyyyyyy.

mortgagebrad: (October 30, 2009 6:08am)

Wow.. nice "costumes" guys. I hope the girls keep their day jobs. LOL Keep up the good work. I appreciate all the great information.

Nuke 'em 'til they Glow: (October 30, 2009 6:08am)

Have outtakes 1x per week.

EmeryTroy: (October 30, 2009 6:04am)

Frank, the scarf hides the adams apple very well. You two look marvelous. GRRRRRRR

Whosyourdaddy: (October 30, 2009 5:56am)

I WANT THE COSTUMES ALL YEAR ROUND!! Talk about Work Big and Think Small (play on words here). LOL

Jersey Girl: (October 30, 2009 4:50am)

I am so sick of hearing about handouts! What the...! Too funny...you guys have a Happy Halloween! :)

Indymortguy : (October 30, 2009 4:49am)

Brian- I love the Pogues. You should play Body of an American at the end of the show. "I'm a free born man of the U.S.A."

NJDLMKR: (October 30, 2009 3:31am)

Maybe there could have two videos every day ... one with Brian and Frank, and one with the ladies!

SouthLoan: (October 30, 2009 3:20am)

Love the costumes! Glad that Frank shaved for it.

LI Apraiser: (October 30, 2009 3:15am)

Anyone up?