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Noel: (December 24, 2009 7:26am)

What are the requirements on us when we are asked by the "shoppers" to provide one of those "multiple GFE's?" Do we have to provide one for every one who calls but do not complete an application? Are we obliged to take an application from every shopper?

Single Appraiser in Arizona: (December 23, 2009 6:19am)

Haven't watched the show in a while... but the 2009 Sexiest Realtors headline was just too enticing to pass up (especially for this 'younger' appraiser who frequents the Vegas pool scene in the summer quite often). Although Luba is not bad looking (probably a soft 7 in my book), I find it a mockery that the guy selection has San Francisco EMO stamped all over his picture (hide your kids)! We all run into hot realtors from time to time (it was always a topic of conversation among appraisers at my prior firm). However, I'll throw a Phoenix metropolitan realtor into the mix that made me wish I was poolside at the Rehab party or Wet Republic party in Vegas instead of appraising that house the moment I saw her: Google Lauren Ellington. Someone mentioned Texas realtors on here. I'd be willing to say they have their share of hotties, as would the upper bracket market in Southern Cal. Wonder how many realtors in San Fran were offended for not making the list? They missed out on free marketing.

NorCalMortgage: (December 23, 2009 3:39am)

Re:SoCalApprs2's Comment "ML 2009-28 delay is a signal that HUD realizes that HVCC may be halted. Why implement a new requirement that may not be needed? I totally agree, when this delay notice was emailed around the office yesterday I was doing the happy dance, Buh bye HVCC!

SoCalApprs2: (December 22, 2009 6:05pm)

ML 2009-28 delay is a signal that HUD realizes that HVCC may be halted. Why implement a new requirement that may not be needed? HUD realizes AMC's will always be around for those who want to use them. The requirements for us Appraisers to become FHA Certified pretty much protects them. And FHA didn't do the Neg Arm Loans, so they have nothing to hide. Sit tight everyone. HVCC will soon be gone!

SoCalApprs2: (December 22, 2009 5:54pm)

Valuequester, where did you get your info in regards to the delay? Also, I am assuming it is Feb 15, 2010.

Brett: (December 22, 2009 4:49pm)

You really need to send your changes to HUD. Who comes up with crap they are putting out?

NorCal Processor: (December 22, 2009 4:28pm)

Leslie in Denver: You are so right about most loan agents not knowing what they are doing. I'm so tired of doing my job and having to do theirs as well. I've been in this business for 17 years, and it's amazing to me when so called "loan agents" don't know how to qualify a client. Is it really my job to tell them if their borrower qualifies...if so, then they need to get paid less and I need to get paid more. I don't mind helping them, but they are asking me to do their job constantly and have no clue about income or assets. I think a lot of the problem comes from the fact that they got started when things were simple and they basically did everything as a stated income/stated asset loan...my 10 year old could have put those loans together. I'd also love to see them actually complete an accurate 1003 and GFE/TIL...I think a lot of them are going to be hurting come 1/1/10! I mean, they don't even list all properties owned on the 1003 even when it's on the schedule e of the tax returns.

Leslie in Denver: (December 22, 2009 3:42pm)

Nor Cal Mortgage broker: Escrow service providers, along with title companies are listed in the phone book or at Superpages.com or dexonline.com. They should also be listed on a disclosure that is sort of an addendum to GFE - entitled Settlement Service Providers. Don't you have one of these?

Leslie in Denver: (December 22, 2009 3:33pm)

Chris: A 3rd party processor, aka CONTRACT PROCESSOR, is someone who is not employed by the mortgage broker but works independently. I are one. LOL

Valuequestor: (December 22, 2009 2:55pm)

Xmas gift from HUD. Breaking News didit,didit,dit.didit....This just in......HUD has delayed implimentation of ML 2009-28 (Appraiser Independence) until Feb. 15th, 2009. Case Numbers ordered BEFORE Feb.15th will not be subject to the new guidelines giving you slackers an extra 45 days to choose your own "Skippy Form Filler" appraiser that hits your number and without all those pesky VC Repair Requirements. (Its Magic). Merry Christmas to all.

brian tbws: (December 22, 2009 2:32pm)

Hi concerned, You'll note we poke fun at lenders as much if not more than realtors. If your referring to comments in the blog.... we've always given a lot of latitude even if its directed at us. Truth of the matter is, most realtors and lenders quietly go about doing a good job. But whats the fun in that. Thanks a bunch

CornerstoneKathy: (December 22, 2009 2:19pm)

WHAT!!! Mabel didnt make the list either!!! Cmon..the sexy realtor competition is RIGGED!!

Concerned: (December 22, 2009 2:13pm)

Quick question: First of all, I find all of this bashing quite alarming considering we are all in the same industry. I guess I never knew how lenders felt about REALTORS but I thought I had a great relationship with the lenders I refer clients to. They work hard to get the deal closed and I stay in close contact with them. We both suffer through the ups and downs. I am not sure what state you are from but my company's commission is diclosed and is negotiable in order to get the deal done. Your simple question has evolved to bashing fellow members of the real estate industry. It is not easy for any of us right now and I beleive this is the time we need to support each other and stick together. I cannot say I know what you go through day in and day out so I am not about to say you are not worth the money you get paid. Please do not assume that I am not worth the money I make. Lumping all REALTORS together would be the same as lumping all lenders together. There are differences.

Nor Cal Mortgage Broker: (December 22, 2009 2:12pm)

Where does the consumer shop for escrow agents? Do they have them in the settlement service aisle at WalMart?

lending pennies: (December 22, 2009 1:54pm)

I think someone in the blog said a few days ago. If they're regulating lenders 1% to 3% compensation, how long until they regulate realtors 3 to 6% compensation. I'd be curious to hear how realtors feel about this

Gmoney: (December 22, 2009 1:53pm)

Hey quick question, Did the realtor say that the 6% commision effects the APR of the loan??? If so, he is an idiot

QUICK QUESTION: (December 22, 2009 1:10pm)

I didn't argue about who makes the most money. That's the typical defense mechanism from a Realtor. They hide from the money, and then point out all the work that they think that they do. I simply asked why Realtors commission don't need to be disclosed... and pointed out that it can and does affect APR on loans. I have no problem with folks making money. It's just this attitude from some Realtors that their commission is free money that comes from thin air and doesn't cost the buyer anything is ridiculous. It is a complete slight of hand trick and we all know it. Kind of like brokers having to disclose YSP but banks don't. Banks still make the YSP on the retail side...it doesn't go away just because they aren't brokers. It's all crap and the brokers and appraisers are getting a raw deal here. Cut and dry. We all take a pay cut and the Banks and Realtors do as they please while pointing fingers at everyone else. As Dennis Miller says: But that's just my opinion...I could be wrong.

Ancient Appraiser: (December 22, 2009 12:51pm)

Love it when all we have to bitch about who makes the most money! According to MSNBC today: Sales of existing homes rose in November to the highest level in nearly three years, reflecting an extraordinary level of federal support that has pulled the housing market back from its worst downturn since the Great Depression. I had to read that "reflecting an extraordinary level of federal support" twice - made my legs tingle!! What a bunch of BS !

Chris Sorensen: (December 22, 2009 12:38pm)

Join our non-profit and let us HELP you establish credibility through accountability. Consumer protection through education; www.freehomeownershiphelp.org

DBinDenver: (December 22, 2009 12:19pm)

Thanks for the settlement booklet reminder. Does anybody know if we need to provide the booklet on purchases & refis or just purchase transactions?

Quick Question: (December 22, 2009 12:15pm)

S.Ca Realtor....You may want to re-think your "Duh" comment. This is a classic example of the lack of competence on the part of many Realtors when it comes to the financial side of the deal. That commission is baked in somewhere. If the seller didn't have to pay so much, that money could be used to pay costs for borrowers, lower the purchase price, or ultimately go back to the seller to be used as down payment money on their new house. No matter how you slice it or dice it 6% of the equity in that deal went into someone elses pocket. Not the buyers or sellers. That affects APR for the buyer by increasing costs or the purchase price, and also the seller's new loan by reducing down payment. That adds to APR. No way around it. Nice flip spin sell though...very clever rhetoric that seems to fool DC as well. Next time use something other than a Lebombo Bone to do your calculations.

Wog: (December 22, 2009 11:57am)

How about the ugliest Realtors?

k broker: (December 22, 2009 11:50am)

i have a processing firm that does all of the processing for my files

Chris Perez - California Mortgage Advisors, Inc. A mortgage broker/banking firm: (December 22, 2009 11:46am)

k broker please excuse me but what do you consider a 3rd party processor?

Leslie in Denver: (December 22, 2009 11:40am)

S Ca Realtor: Paid benefits? Insurance? Paid vacations? Retirement? I'm 67 and still working. I never got any of those things. Who gets paid extra for nights and weekends? Certainly not me - a contract processor. Even as en employee processor or loan officer - I NEVER got a package like that. To whom are you referring?

Leslie in Denver: (December 22, 2009 11:38am)

For K broker: Pull the case number before the first and issue should be moot.

k broker: (December 22, 2009 11:34am)

does any of you know what fha lenders are going to let a 3rd party processor order an appsl for fha after the 1st

NorCalMortgage: (December 22, 2009 11:30am)

Re Quick Question's querie on HR 3044, a quick check of Google: "Jun 25, 2009: Referred to the House Committee on Financial Services." Probably where it went to die!

S. Ca. Realtor: (December 22, 2009 11:24am)

Response to Quick Question. Duh, because the buyer isn't paying the commission. Attacks on each other are a waste of everyones time. PS. We, as Realtors don't have free benefits such as insurance, paid vacations, retirement, car expenses or get paid extra for nights and weekends!!! Merry Christmas To ALL!!!!! And PRAY that next year will be better.

LubaSF: (December 22, 2009 11:22am)

Thanks for the kind words gentlemen! Guess I forgot to mention I'm also the friendliest Realtor in SF. :-) (Which is WAAAAY more important than most other qualities, except for competence, of course!!!) Happy holidays to you and yours! :-)

daddy appraiser: (December 22, 2009 11:10am)

Loved your ending today...cute kid! Thanks for always making it so much fun to learn about all the madness going on in our industry today.

Hank n LA: (December 22, 2009 11:08am)

You guys are a crack. This is the shows that keep me going each day with all the hurdles we have to go thru.

QUICK QUESTION: (December 22, 2009 11:06am)

NorCal. Good point. and that was the answer I was expecting. It's all politics.AKA> SNAFU.IMO. OBTW, FYI it seeems that NAMB takes a back seat to NAR in DC with regards to the Mortgage reform on FNMA, HUD, FHLMC, deals based on the results of the HERA rules and the SOP for the Gr8 new GFE. Not too mention TIL, YSP, HVCC, USPAP and PMI. Here's a FAQ What's the ETA on H.R. 3044? Is it FUBAR? WTF? FWIW I'm LOL! ROFLMAO! OMG. GTG...BBL. AFAIK. uhhhhg...

Leslie in Denver: (December 22, 2009 11:05am)

FOR THOSE WHO MISSED IT: THIS IS THE LINK FOR THE NEW HUD BOOKLET: http://www.hud.gov/offices/hsg/ramh/res/respa_hm.cfm

HUD Book: (December 22, 2009 11:04am)

you have to scroll down the links and docs.. it's there

Denice Rochelle, Seattle Realtor: (December 22, 2009 10:56am)

Hilarious but sadly true. What the hell? How about HUD stops trying to make our jobs easier until they go through a complete overhaul of their organization.

Alyssa Duggan: (December 22, 2009 10:48am)

That is hilarious!!!! Love it! So incredibly true.

FT: (December 22, 2009 10:43am)

Where is 2010 booklet? I thought he said dl in links and docs but I dont see it

KatieFan: (December 22, 2009 10:41am)

Is there a category for sexiest graphic designer? I vote for Katie :)

NorCalMortgage: (December 22, 2009 10:40am)

I response to this from "QUICK QUESTION: ( "Can anyone explain to me why it is that the Realtors do not have to express the 6% they take in commissions as APR? Should they be forced to lower their fees to save the deal?" As a licensed RE broker and a morgage professional the difference in a nutshell: National Association of Realtors. Appraisers so need the muscle this lobbying group, yes lobbying group has. I remember in California when the threat was on the table that dual agency would be outlawed, man you never saw NAR swing into action so friggin' fast! Dual agency, that's a broker owners major bread and butter. The outlaw idea was shot down in flames. I hated paying the yearly NAR dues when I was selling real estate, but man was it worth it in the long run. Appraisers unit and get a politcal voice to stop this mad attack on your profession!

Bono vox: (December 22, 2009 10:39am)

That REG X service provider list is a PITA. Still not sure why I should have to redisclose for a termite report or structural. SEXY - I'll put Texas Realtors up against SanFran any day. 4.875% - called and BofA retail is offering 4.875 on conformings, but man, lock em now. It's always a good day when CHINA says, "There isn't enough money in the world to fund US debt."

Leslie in Denver: (December 22, 2009 10:36am)

News for John: Try being a processor who works with loan officers who don't know s**t from shortcake. They want me to do their work (GFE and TIL - explain the program to the buyer, pre-qualify their borrowers), plus mine and then ask me to reduce my fee. NOT! Having been a loan officer for nearly 30 years, I can tell you most LO's today really don't know s from s and can't be bothered to learn. As for the required education? - Get a life! The test here in Colorado was more about learning the acronyms for all the Federal and State agencies whose rules you might violate and the penalties contained therein. Maybe someone should hold a class on to correctly and completely fill out a 1003, GFE and TIL, how to read a rate sheet, what are ratios, how to read a tax return, etc.

Common sense: (December 22, 2009 10:29am)

LOVED your piece on sexiest realtors.Typical Realtor. Know nothing, think they know everything. In the end dosen't matter. Dealt with many, almost all the same. Put it in the multi list,plant a sign,go to the mall. Wonder why it is not selling. ALSO-If dateline nbc ever goes undercover with realtors showing other listings-guarenteed jail time!!!!

John: (December 22, 2009 10:26am)

As always it's fun guys. Actually it's Realtors calming down the stressed buyer because lenders loose their stuff and ask for it over and over. Then you have the paranoid underwriter asking for a second appraisal or they didn't get the buyer's latest DNA sample. I find it amazing that the government gives incentives to lenders that can't do their job right in the first place. Let's give them loans, subsidize their over head and they still won't perform. I guess they get along well because it's the same way our elected officials function. No accountability. Just the same old dumb doodoo on another day. Rock on guys!

Leslie in Denver: (December 22, 2009 10:22am)

ATLANTA AGENT: Why would you NOT know that the property was in deplorable condition? Didn't you go and look at it with the buyers? Don't you know what is acceptable to most lenders insofar as "fixer-uppers" are concerned? Wouldn't it have been prudent to find out? As for the brother-in-law - ever heard of an Exclusive Agency agreement? If you showed the property, such an agreement would have earned you the commission regardless of who wrote the contract. CYA!! My advice.

Quick Question: (December 22, 2009 10:18am)

Hey, See the Big Picture: I have lot's of friends that are Realtors and I am fully aware of all of that. I feel your pain. But you have to understand that LO's go through the same thing. We have 1,000 scenarios that happen every day that cause us to not get paid, and when we do, it is far less than the Realtor makes and we do about 150 pages of paperwork and have to pay an entire team of people to get the loan closed. I understand your frustration completely. But the question was...why do Realtors NOT have to disclose their commisions, and express them as APR. It is a fee associated with the deal and it contributes to the interest paid on the deal over the life of the loan. Borrowers should be able to shop that too. No way around it. Sorry if you do not agree. Happy Holidays!

Leslie in Denver: (December 22, 2009 10:17am)

Thank you, Chris! Thank you, Atlanta LO for providing a quick and easy link. I agree about the unnecessary HUD booklet using way, way too many trees. Redundancy abounds in Washington. I voted for Obama and am beginning to wonder what I was thinking! As for Realtors: they earn their money, but I agree commissions are too high based on what they do. Drive people around in their Mercedes' and Lexi? I know a lot of Realtors who simply give the buyers a list of available properties to drive by. Now that's lazy!

Chris Perez - California Mortgage Advisors, Inc. A mortgage broker/banking firm.:: (December 22, 2009 10:15am)

Purposed Open Round Table discussion - We all have started to see rates deteriorate over the past week. Today rates again got worse and are still continuing to do so. Where is anyone locking High Balance Conf. in the 4's. I am still locking them in at BofA Correspondent. Anyone else??

TBWS fan: (December 22, 2009 10:14am)

Loved the show today...what a hoot!

Chris Perez - California Mortgage Advisors, Inc. A mortgage broker/banking firm.:: (December 22, 2009 10:14am)

Purposed Open Round Table discussion - We all have started to see rates deterioate over the past week. Today rates again got worse and are still continuing to do so. Where is anyone locking High Balance Conf. in the 4's. I am still locking them in at BofA Correspondent>. Anyone else??

Atlanta Agent: (December 22, 2009 10:11am)

Look Guys, you got it right except it's not the buyer calming the freaked out agent it's the other way around. I just closed a loan that I had to tell the buyer 3 times that we were going to have to extend and hopefully the seller would not have to charge $100 per diem. All nerves are rattled!!!

See the big picture: (December 22, 2009 10:07am)

Hey Quick Question, what do really know about my job as a Realtor? I share commissions 50/50 with selling agents. My company takes a % of my commission. I write 1 to 72 offers (didn't you watch the video?) finally get one thru, meet numerous inspectors, all to find out the "as-is" purchase is in such bad shape that the buyer bails because the seller won't fix ANYTHING! Write on an REO & you may never hear back on your offer. Write on a short sale and you can wait 3 to 10 months for an approval. As a listing agent it can take a year or more from start to finish on a short sale, have the lender cut the commission down to 3, 4.25, 5%, evict non paying tenants, maintain deteriorating properties at your expense so they are presentable, all to get foreclosed on without the short sale ever closing? Or show a buyer EVERYTHING on the market only to have his "mortgage broker" licensee brother write the offer since he's going to kick back half the commission to the buyer. Want my job?

Chris Perez - California Mortgage Advisors, Inc. A mortgage broker and banking firm.: (December 22, 2009 10:02am)

As much as I think all the ideas to end this book are great, I believe that we are going to have to adapt this to our disclousure package and therefore accept this on how its going to be. Furthermore, I believe that our borrowers are going to treat this booklet like they do the other 3 booklets we already send out and never really read them..( Conusmer Handbook on ARM and What you should know about Home Equity Lines of Credit...)The

BAH.. HAHAHAHA: (December 22, 2009 9:48am)

I know how to put an end to this Booklet. Lets count up how many trees will be cut down to print the booklet and point fingers at the Obama Administration for contributing to Global Warming by wreccking the rain forest to print these booklets. HUD will be scorned by the loons...we'll riot in Copenhagen (in the snow)about how HUD causes global warming.

Mary Christmas: (December 22, 2009 9:45am)

What makes HUD think the general public will read their 49 page booklet when they couldn't read their previous 3 page note before they got "screwed" by all of those "heathen" loan officers? Are they going to print these in 185 different languages so those that don't read and speak English won't get the shaft? Just thinking out loud here. On a lighter note, loved your humor today. Thanks for putting a smile on my face.

HUD Booklet.: (December 22, 2009 9:40am)

The HUD booklet is in the links and docs box to the right just like they said... just have to scroll it down a little.

Atlanta LO: (December 22, 2009 9:37am)

Here is the link to the HUD site for the booklet: http://www.hud.gov/offices/hsg/ramh/res/respa_hm.cfm

Chris Perez - California Mortgage Advisors, Inc. A mortgage broker and banking firm.: (December 22, 2009 9:34am)

Leslie in Denver and Clulessdad I just emailed you both with the Hud Booklet

pgh broker: (December 22, 2009 9:29am)

i've been watching your show religiously for a while now and want to thank you both for bringing some much needed humor to our days in a very difficult time for all of us. i look forward to your good content, intelligent perspective and updates through the week. thank you and have a great holiday.

QUICK QUESTION: (December 22, 2009 9:29am)

Hi, Can anyone explain to me why it is that the Realtors do not have to express the 6% they take in commissions as APR? Should they be forced to lower their fees to save the deal? Shouldn't we have the loan officer suggest that the borrower shop the Realtor constantly throughout the process so they can walk on them at any point too? Wouldn't that be real competition? If borrowers could shop agents they would save just as much or more than shopping the loan based on the fact that the average person stays in their house/loan about 5 years. Currently, Agents hold the people hostage with a contract but Loan Officers can do weeks worth of paperwork and end up not getting paid at all. I mean they are doing all of this work to protect buyers from saving $300 on the loan but nothing to even question the $24,000 that the Realtors built into the deal to line their pockets on a 400k purchase. The answer can't be that the Realtors did $24,000 worth of work...I'll take any other answer.

Leslie in Denver: (December 22, 2009 9:19am)

Chris Perez: Email me one, too, will ya? [email protected] Thanks!

v: (December 22, 2009 9:19am)

id loose the flower if you want my vote

[email protected]: (December 22, 2009 9:18am)

does anyone know of a mortgage broker in the Vegas market that can help one of my clients on some additional N/O/O purchase loans under the fannie mae multi property loan

Lil' Broker: (December 22, 2009 9:18am)

Can someone please post where to get this handbook? I couldn't open the link either. Thanks!

M Bush: (December 22, 2009 9:16am)

OK Frank...Brian..that "sexy realtor" short was just wrong!...Stick to the broadcast and get outta the sexy contest dudes! :-)

Leslie in Denver: (December 22, 2009 9:15am)

Can't open link to booklet. Anyone got any suggestions?

Clulessdad: (December 22, 2009 9:14am)

Thx Chris-[email protected]

Clulessdad: (December 22, 2009 9:13am)

Nice going Appraiser Chic-those sentiments are so true. The Too Big to Fail statement means that The small guys will fail.

Chris Perez - California Mortgage Advisors, Inc. A mortgage broker and banking firm.: (December 22, 2009 9:13am)

Clulessdad - I can email it to you if you like. Whats your email address?

Clulessdad: (December 22, 2009 9:11am)

I can't open up the Hud Settlement book-the pdf file is damaged. Anyone know another link?

Appraiser Chic: (December 22, 2009 8:53am)

It took 2-3 months, but I met with my Congressman this morning. Congressman Duncan from Tennessee is very much on our side regarding HVCC and the snowball it is bringing along. He is going to write a letter to the Secretary expressing his views. I am going to recieve a copy and I'll let you all know what it says. He said if we could get ONE person in every state to talk to their Congressman and ask them to send a letter likewise. That is what it will take. Brian and Frank, make a list of every state and see if we can get someone on here from each one to see one of their Congressmen. He said to me that he sees it all over, that this administration is putting the small and medimum businesses out of business. Only the large federal companys are going to be left standing. I am just about out of the Appraisal business, but I still wanted to take the opportunity to meet with him and do what I can.

Chris Perez - California Mortgage Advisors, Inc. A mortgage broker and banking firm.: (December 22, 2009 8:41am)

That was a great clip and Thank you for the Hud booklet link. With all the new regulation and disclosures, I am going to have to UPS my loan packages. This Hud Booklet is 49 pages...wow

Sandy: (December 22, 2009 8:36am)

What do you expect from Realtors?

Mike A: (December 22, 2009 8:18am)

Excellent!!! HUD needs to see this. GOOD JOB!! Love it

Ezradams: (December 22, 2009 8:16am)

I vote for Mabel as the sexiest Realtor! Enjoy the holidays.

San Jose LO: (December 22, 2009 8:06am)

Brian, Frank....sorry guys but those pictures were disturbing.....LOL!!!! HAHAHA!!!

Show44: (December 22, 2009 8:00am)

The REO lender requires the reinspection, as interior photos are required so cabinet doors are not in photo. It is not, per say, the appraiser needing that done but the lender. We risk saying things are completed and then the purchaser (relying on apppraisal and in a different state, for instance, interior unseen)saying "hey there are no cabinets in here, so that appraiser owe's me for the cabinets and installation. These things, again are requied by the lenders, but most want to get on the appraiser because the lender is untouchable.

PRgirlTulsa: (December 22, 2009 7:48am)

You guys rock! I would definately vote you for the SEXIEST in 2010!!!! Let the games begin!!! Ha Ha Merry Merry

Lou M: (December 22, 2009 7:44am)

Sexy? You guyus are HOT! HOT! HOT!.....(next please warn us that you will be striking poses for us....I spilled coffee on my new HUD pamphlet...)

TheFyouSay: (December 22, 2009 7:42am)

Do we have to buy these books from HUD to give out? Is this some sort of printing monopoly/fundraiser for them?

M: (December 22, 2009 7:40am)

Excellent inserts. Your inserts are the truth. I just closed an REO deal and it required 3 appraisals. One appraiser wanted the few missing cabinet doors installed before COE. I guess they don't understand the bank sells "as is". I think they want the reinspection $100 fee. The TIL delayed the appraisal and the bank made us remove the appraisal contingency before the appraisal.

blondie: (December 22, 2009 7:25am)

This video cracked me up...I didn't even know there was a contest for sexy realtors...I needed a laugh today....thanks guys!

Andi: (December 22, 2009 7:24am)

As always a great show!! I sat on that call with HUD yesterday......it's very obvious none of them have ever orginated a loan! They couldn't give any straight answers yesterday! Good grief....and we have new rules for what???? Happy Holidays guys!

Leslie in Denver: (December 22, 2009 7:24am)

I like TBWS's HUD booklet. More to the point. I haven't heard of a single HVCC appraisal coming in at the contract price. Not one! So, send your booklet to HUD. Every freaked out Realtor ought to call HUD, too. Select your own title or escrow company? Since when? That'll be the day.

joe: (December 22, 2009 7:21am)

Awesome show......

DIDI: (December 22, 2009 7:12am)

Love the show today! Great pics - made me laugh out loud.

Anonymous: (December 22, 2009 7:07am)

Jeremy Forcier is a bobble head doll at one point in that clip.

barely50: (December 22, 2009 7:06am)

I have all the licenses, plus being an independent processor....You guys nailed it today...your early morning wakeruppers starts our day on a positive note ....Thanks guys

Nuke 'em 'til they Glow: (December 22, 2009 7:02am)

I'm surprised that Frank Didn't make the list. I mean in the bizarro universe he may be attractive ....to Realtors in SF which are by definition bizzare. I mean he's on the Dark side now? :-)

jaded in Texas: (December 22, 2009 6:56am)

The new HUD booklet is a mere 49 pages long, only to be outdone by the FAQs but I digress. Does anyone agree, or disagree, that emailing the new settlement cost booklet as an attachment or the link to the HUD website is ok in lieu of printing the booklet? Thanks.

JohnTheHeckler: (December 22, 2009 6:51am)

Frank, It is pronounced "Bren Marr".Like the numbskull Bill. Merry Christmas!!!

Darlac21: (December 22, 2009 6:49am)

Wow....you hit the nail on the head....this is exactly what my day is like.

Edward Teach: (December 22, 2009 6:47am)

Some Realtors never change--sexy or not!

Jim: (December 22, 2009 6:46am)

Thats a good thing

Jim: (December 22, 2009 6:44am)

you guys are the Glen Becks of the lending world

TBWS Fan: (December 22, 2009 6:43am)

Aaaah. Just getting up off the floor. Thanks for the laughs! I'm a raving fan! I hope the HUD Booklet can be emailed to the borrower. Probably not though.

Frank Garay: (December 22, 2009 6:37am)

Big Mike... don't you mean "super sexy" UPS guys?

big Mike: (December 22, 2009 6:34am)

Hey Guys, you need help with the shirt choices. You both look like UPS Guys.

SMELLICAT: (December 22, 2009 6:16am)

LOVED TODAY'S VIDEO... GREAT WAY TO START OFF THE DAY... YOU GUYS ARE AWESOME

Frank Garay: (December 22, 2009 6:03am)

It's a curse Matt... But we're learning to live with it.

Matt in Co.: (December 22, 2009 5:57am)

Your new booklet is so much on the mark. Except you really have to have the whole deal fall apart at the end because the second appraisal is an HVCC appraisal and is 50% less than the first one. It must be tough having to fight off all those women since you're so sexy.

Old School Mortgage Banker: (December 22, 2009 5:52am)

Ahhhh! Too funny! You guys are spot on with your explanation of the new HUD timeline. I could barely get myself up off the floor I was laughing so hard.

NJDLMKR: (December 22, 2009 5:52am)

Another Classic!

Deelish1962: (December 22, 2009 5:30am)

You guys always make my day. You definitely need to submit your version of HUD's handbook. That is TRULY the real deal! And I am lov'n the sexy photo poses... I see a calendar in your future...

mortgagemama: (December 22, 2009 5:11am)

Please, Please submit your version of the HUD handbook! That was GREAT!!

AZ Linda: (December 22, 2009 4:57am)

Stop alreadu! Those sexy photo poses of F & B make me question if you are tryly here for us LO's and realtors or if you are going to drop us like yjhr old GFE when GQ comes calling on you.

Big Mac: (December 22, 2009 4:37am)

Publish that graph of the new HUD booklet, its great!!

Walt: (December 22, 2009 3:09am)

Hey guys ... excellent piece on your adjustments to the HUD booklet. Any chance of getting this piece of today's video as a stand-alone clip to distribute to my realtor friends?

Valuequestor: (December 22, 2009 2:59am)

Sexiest Realtor???? I don't think so. Not thick enough.

MichaelWolff: (December 22, 2009 2:56am)

I think you need to make your own booklets and give copies to HUD. Maybe explain to them that buyers almost never are able to select their 'other service providers'. Awesome video, even I am confused!

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