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5pence: (April 04, 2010 12:44am)

Happy Easter Southland ! I look forward to more. Send your bet fugly stories to Pam Crowley in Fla. She is #1 in the fight against ... she saw it in 2007 and has been compiling stories for the FBI, DOJ and sinister lawyers on her side ever since she won the lawsuit against Chase/eappraisit. The more info they have the better. We all know it isn't going to get any better, so the stories that grow will illustrate to even the fkn blind things are getting worse. http://www.mortgagefraudblog.com/index.php/weblog/permalink/eappraiseit_v_crowley_update/

5pence: (April 04, 2010 12:33am)

I mean, stopping them from stealing, isn't that the moral cure?

SouthlandAppraisersUnion.com: (April 04, 2010 12:31am)

Spence I have a link to my RegionsLawsuit.com from the SouthlandAppraisersUnion.site they are the worst. Check out the THONG Thursday. Regions earned the respect of all, and Amsouth was the sorriest, So Amsouth bought Regions, so they bought the name, but kept their policies. How they sleep I do not know, BUT I have Bankers sending me stories now... this is going to be fun and guess what--- SOON SouthlandAppraisersMortgage.com right now it will be a recommended mortgage company site. but where it could go it open...RECOMMENDED APPRAISERS

5pence: (April 04, 2010 12:14am)

They can't help themselves

5pence: (April 04, 2010 12:12am)

One more thing -helping the banks isn't propping them up and giving them more money!! It's stopping them from stealing

5pence: (April 04, 2010 12:07am)

Edit: What was valued at AAA by the ratings agencies for CDO's (sub prime mortages) was really junk. Now Americas debt is valued at AAA. Uhhh

5pence: (April 04, 2010 12:02am)

1st-the Fed gives them $9 to every $1 of our deposits to gamble. They take $60 to $1 leverage without fear. They are gambling addicts and it's up to us to put them in their proper place that they will not assume. Won't. If our money was based on gold the value of the dollar would be going up right now, Instead, the junk that rating agencies valued at AAA for their bank benefactors is now ours and our threat to lose. Hello 3rd world

5pence: (April 03, 2010 11:52pm)

Banks have gone over the brink - we don't have to despite what they're stealing. I won't follow them over the cliff. Moral crisis and they've crossed the line of our God given rights and whats more, they intend to continue on the path to drain us dry

SouthlandAppraisersUnion.com: (April 03, 2010 6:48pm)

It is almost as if we have gone past the point of no return. In the Corp that simply means it will do no good to try and go back, we would not make it. All we can do is take what we have left and make it work. Appraisers soon to stand tall.... Happy easter.

Mr. Mad: (April 03, 2010 11:27am)

This is crazy. Should Ford and GM start policing their dealerships to make sure one ethnic group isn't paying more for a car. This is why people need to SHOP, SHOP, SHOP and take control of their on actions.

5pence: (April 03, 2010 9:28am)

It's you

GWS: (April 03, 2010 1:27am)

Is it just me or does that fellow Jeremy look a little like a handsome Peewee Herman?

Hubba Bubba: (April 02, 2010 6:42pm)

Napoleon Bonaparte couldn't have said it better!!!

short jeremy: (April 02, 2010 4:47pm)

how short is Jeremy?

5pence: (April 02, 2010 2:55pm)

Someone mentioned how do we get our representatives to vote in term limits to limit their own terms? We don't - because of the mentality in Washington, it isn't going to happen anytime soon. It's up to us to police our representatives and vote them out whether they're doing really good or not after 1 or 2 terms. It has to become the law of the land and the will of the people without regard for loyalties or party lines. I know it sounds cold, but it's right and it lets government know that "we the people" are in charge. That way we get people in there that want to serve the people and know that they only have 1 or 2 terms to do the best they can. As it now stands our representatives are the wayward children that need a spanking and WE are the parents that make the rules - not the other way around. Spankety spankety spank them right out office for the will of the people and the power of the people to be restored to this once great republic. JMVHO

5pence: (April 02, 2010 2:41pm)

Hi Allison: These are 2 people that work with Sen Kanjorski and you can write them and your messages will be handed over to the Senator. Mr Kanjorski gets it more than anyone else in government. You'd honestly think he was an appraiser with his stance on the issues. He wants to get rid of HVCC and is more adamant about it than anyone else. Send to: "karen feather" <[email protected]> or "todd harper" <[email protected]>

real appraiser: (April 02, 2010 2:39pm)

God help me, i agree with 5pence. joe, clueles and fha steve have it right too, and expressed without the venom, as always. For those who want to hold on to your party, you are the problem and dont even know it. It started with Reagan and has been downhill ever since, No matter who was or is in office. They (Repub or Dems) know that most will vote party line and they keep pointing at the other side and saying "see, they are the problem" and you bite, hook, line and sinker. Until you remove the blinders, you will never see how manipulated you are to feed their machines. I fear for all of us who do not see the truth. VOTING FOR THE LEAST OF TWO EVILS is NO LONGER ENOUGH. A third viable option is the only answer, until they are corrupted. Until then understand the new breed of intelligent criminals we vote into office that make themselves and family rich off the people. Both parties suck and want you to feel hatred for the other side, it keeps you in line. sad, we all need to grow up.

unclepappy: (April 02, 2010 2:11pm)

Great show today!!

Allison Appraiser: (April 02, 2010 1:15pm)

I understand that Rep Paul Kanjorski from Pennsylvania is trying to address the HVCC disaster in the new Consumer Financial Protection bill that has gone back to the house. THIS MAY BE YOUR LAST CHANCE. F & B can you research this, or maybe try to talk to him? I have written him a letter already, but we need thousands of letters.

ssfranny: (April 02, 2010 12:03pm)

Well talking to my states banking dept...they said no specific credit score requirements they said the credit report is MANDATED by the f-in Feds not states. She thinks also if they try to enforce the credit requirements they'll get slapped with a lawsuit. Also, only 29 people in my state have looked into testing with 2 months left. WHAT A JOKE the bank LOs don;t have to et licensed lets hope FHA makes them get licensed. Also, Frank and Brian why would you think not extending the tax credits will be GOOD for housing?? Everyone I talked to said it will hurt this summer.

Ill Appraiser: (April 02, 2010 11:18am)

Sorry FHA Steve - That is naihp.org not .com.

Ill Appraiser: (April 02, 2010 11:13am)

FHA Steve - I've emailed you twice now - Go to naihp.com and you can contact Marc Savitt from there. He has been good about returning emails and calls but today, Good Friday, may not be a good contact day. He may also be too busy setting up the rally for 4/14 in Washington DC to read these posts.

AGirlNamedTBone: (April 02, 2010 11:10am)

True on both counts, 5Pence!

FHA Steve: (April 02, 2010 11:09am)

I have some signatures for Marc Savitt to take to DC on 4/14/2010. If anyone knows the email for Marc Savitt please forward this message to him. Please Marc Savitt, call attorney Michael Brush at 310-963-0140. (An exceptional Civil Rights and Federal Expert and interview him.) He has already been briefed (pardon the pun), and he believes that he can bring the HVCC nightmare to an end. Also, Marc, please contact me at [email protected] for a copy of my hundreds of sigs to KILL HVCC with Teeth. http://www.ipetitions.com/petition/kill_hvcc/

5pence: (April 02, 2010 10:55am)

I've got some things to do - good discussions today! For you polarizing Dems and Reps, you're not seeing the forest for the trees. Deep in the heart of that jungle is the corporate beast they've all been serving and selling our collective souls to. See the forest - don't concentrate on the trees as if one tree is so much different than the others. They are ALL the forest we're lost in.

5pence: (April 02, 2010 10:51am)

TBone : It gets more ludicrous every day. Next thing you know they'll be charging you for the paper they use and forwarding the phone bills for their calls to you to you. I agree, it makes absolutely no sense. They are the ones that should be doing the review at their cost at the behest of their investor. My guess is that there's no appraiser at that AMC that can do a review. Still, it's their problem, not yours IMHO. I'd report it to anyone and everyone I could. The Imaginary Valuation Protection Institute still hasn't been installed so there's no direct way to complain. I hope you can get it worked out.

AGirlNamedTBone: (April 02, 2010 10:38am)

5Pence -- I'm being penalized (or my borrower is being penalized) because one of us has to pay for an additional $75 desk review! Why do I have to pay for a desk review of an appraiser's work they forced me to use?

SouthlandAppraisersunion.com: (April 02, 2010 10:38am)

thanks Spence so far you and my mommy think I know what I am talking about. Help me get the word out it works, Man, everyone is fingerprinted, thoguh I do not like the idea of giving up that freedom, they are not yet americans, and that is the deal, Figure printed , a green card to work and each yeaar the dues are due agian, THE WALL was such a joke. For the iggnorant, that want to think they doing something theywasted our money. They have bungee jumping over the wall, WHY the hell they thought a wall would staop a man who has children that are starving I will never know '

SouthlandAppraisersunion.com: (April 02, 2010 10:33am)

I want to make one more point then I will, hush. A few years ago I was in costa rica chasing the women, they run slow there. I read an article in the paper, a 12 yr old boy with cancer was dying, he want to see Disney world, a nurse agreed to take him, the coummunity raised the money. He could not go becase his visa was denied, he did not have $20,000 in assets. In a country where $100 a week is good money. 20k is 200 times their weekly pay. Equally a person here that made $1000 a week would have to have $200,000 in the bank or property to visit Costa Rica. I was so ashamed at that moment it made me take a real look. We do not give anyone a chance to get a work permit, but the govt brings in 100,000 a year from Africa and Middle east. We piss down the latino's back and tell them it is raining. So you guessed it Honduraslifestyles.com I am going to feed osme kids, open a few Artist Internet cafes, and try to do something that makes me proud of myself again. Kinda of an American thing

5pence: (April 02, 2010 10:28am)

Southland- that's a great idea!

5pence: (April 02, 2010 10:24am)

Absolutely right NMBLOL, every day our rights are being stolen by private interests with the help of the corrupt paid for politicians. None are in there for the people. They vote on proposals and bills they don't even read - Why? Because their lobbyist says to. It doesn't matter if the bills steals a sliver of our rights - it's OUR rights and they need to defend OUR rights! Our rights are very valuable to banking, insurance and other private industries. Very, very valuable. For every right they can take it means billions, ohh wait, trillions in their pockets. And the corporate crooks know that as they slip pork in unrelated bills, while the politicians turn a blind eye, just don't care or are caught napping by Frank & Brian. Something is rotting in the halls of Government and it's the career politicians that do as little as possible to keep their cushy jobs, golden parachute retirements & offers of big corps to be on their boards or to lobby for them after "public service". (sarcasm}

Bend it Like Barney: (April 02, 2010 10:23am)

All these politicians should be taken out in the middle of the night by a few guys from the Soprano's. Then they should stuff their heads with cow manure and kick their heads down the streets of Washington like a soccer ball. We could make a movie called "Bend it like Barney"..pun intended!

SouthlandAppraisersUnion.com: (April 02, 2010 10:21am)

Mexicans, they work. I have the solution. ON JUNE 27TH this year we are going to sell any Illegal mexican a green work visa for $500 a year, and it has a green coded SSn, and he pays taxes , they would line up from Texas to the Mississippi, that would generate about 8,000,000 x $500 = $4,000,000,000 and the tax as they work. THEY WANT TO WORK, THEY WANT TO PAY TAXES. BUt we have ot keep the public scared, as long as they are sacred we can do what we want with them, Regions bank is the prime example RegionsLawsuit.com is my venting site, You see as a US Marine, I like it where I can fire in any direction and hit the enemy, some say surrounded, to a marine it is an optimum situation....

MortgageBlues: (April 02, 2010 10:11am)

Weeding out the long term politicians would definitely send a message to all those whom aspire serve the people. Yes, it has been a long time since the majority of our law makers in Washington put serving the people as their top priority. Too many are drawn to political office for their own narcissistic reasons and their desire to control and manipulate the system. How often have we seen votes straight down party lines and watched our representative’s obvious attempts to control the house or senate while neglecting their duty to support or oppose important national matters? The great change we need in Washington is to limit the terms these law makers can serve. Just like the president can only serve a maximum of two four year terms so should it be for congressmen and senators. This would dispel the ‘good old boys club’ mentality and put more pressure and politicians to actually SERVE the people. The only real problem would be getting the majority of them to all pass a law shortening their own terms in office.

CROOKS!!: (April 02, 2010 10:09am)

Happy Days...I agree with JoeColorado...they are all crooked and should be in jail for what they have done. There is no such thing as a clean politician in this day and age because they are all taking bribes. We call the "Campaign Contributions" but they are just bribes. Cut and dry. It's all crooked and completely corrupt.

SouthlandAppraisersUnion.com: (April 02, 2010 10:09am)

clulessdad you are right, the problem is we have clones waiting ofr their turn at the feeding troft. the cahnce of s statesman winning are all but impossible. BUT the truth is , we have let this happen, we vote for the pretty guy with money, Think about this what cahnce do you think Roosevelt or even Lincoln would have to be elected today. A president in a wheelchair, oh my we could have that, Lincoln , was ugly even to his wife. Taft, a 300 lb president of no. George washington made 1100 gallons of white whiskey every year. .lol We are the greatest nation on earth, but we are not what we once were,,and we have to get back there. we let the politicans blame the mexicans, so funny, begg them to pick out fruit for 100 years, then all of a sudden when Clinton needed a platform, it was them damn mexicans, they are going to ruin this country, getting welfare, IT WAS THE DEMOCRATS that made it possible for someone that was not an american to draw welfare. So they fired the mexicans. Life

Realist1: (April 02, 2010 10:02am)

5 Pence is absolutely correct about all of the corruption. RE-ELECT NOBODY IN 2010 AND 2012.

NO MORE BROKERS LOL: (April 02, 2010 10:00am)

clulessdad Well said but please understand with new politician in office by the American Vote can change everything we need to go back to American Values and hold are elected officials to these values or they get voted out. Also remember Supreme Court Judges are appointed officials which means that our elected officials appoint these judges again with the vote we can also hold the supreme courts to American Values as well. WE ALL NEED OUR FREEDOMS BACK

5pence: (April 02, 2010 9:51am)

TBone: What are you saying? I don't understand. "My question is this: If I'm using THEIR GUY, why do I have to be penalized for a DESK REVIEW on THEIR GUY'S WORK???" Are you an appraiser? The guy was sanctioned but they still want to use their work for loans? Why would you be penalized for a bad review on a bad appraiser?

clulessdad: (April 02, 2010 9:49am)

no more brokers-I have a deep resentment of anyone in politics nowadays and the banking and drug lobby that have now influenced all of them in Wash. But voting out the elected will still not solve it. With the recent Supreme Court decision, it will only get worse. This country is on the brink of something and I don't like it. But don't get on FHA Steve-he is being proactive and should NEVER be ridiculed in doing ANYTHING to better our cause.

5pence: (April 02, 2010 9:43am)

They need to know that WE the people are in control. That certainly can't cause any harm to the broken system we've got and I believe it's the only cure for a sick system where Senators and Representatives trade stories of how much money they got from special interests and how great it is to be "above" the regular folk. Give me a James Stewart in Mr Smith goes to Washington! They're out there, a need for them to serve will bring out the best.

AGirlNamedTBone: (April 02, 2010 9:41am)

So how's this for a new revenue stream for the investors: I have had a rash of requirements for DESK REVIEWS on appraisals ordered thru the investors' own AMC. I thought this was the tiny glimmer of goodness HVCC offered: that at least investors would accept the outrageously overpriced report without questioning the content because they sanctioned the appraiser. My question is this: If I'm using THEIR GUY, why do I have to be penalized for a DESK REVIEW on THEIR GUY'S WORK???

5pence: (April 02, 2010 9:39am)

GODLIKE: (April 02, 2010 9:29am) I'm sure just about everyone can agree the most disagreeable party at the moment is the party in control. **You want more of the same Godlike? Corruption, private interests pandering, bought and sold career criminals because they're the best of the worst choice? I won't vote for any incumbent. A message needs to be sent that we just won't take anymore of non-Constitutional policies that favor private interests alone. They all need to go. A tsunami needs to hit the halls of Congress in order to gain control of it again. They need to see the power of the people.

CLARK KENT: (April 02, 2010 9:31am)

OK, FOLKS. AS FAR AS THE POLL QUESTION, I THINK ITS A GOOD ONE. THE BOWOWER IN THE END NEEDS TO TAKE AT LEAST SOME RESPONSIBILITY. IF THEY HAVE ANY QUESTIONS ABOUT WHAT THEY ARE SIGNING THEY CAN ALWAYS ASK. IF THE LOAN OFFICER LIES TO THEM WELL, THEN THE BORROWER CAN SUE HIM AND HAVE HIS LICENSE REVOKED. WE ARE ALL NOT CHILDREN. SOME PEOPLE REALLY SHOULD NEVER BUY A HOUSE, KINDA LIKE SOME PEOPLE SHOULD NOT VOTE. UNFORTUNATELY, WE ALL NOW ARE SUFFERING FROM BOTH.... A POLL WAS JUST TAKEN AND 78% SAID THE GOVERNMENT SHOULD STAY OUT OF THE HOUSING MARKET AND LET THE FORECLOSURES RUN THERE COURSE. WITH ALL THE SUCCESS OF THE LOAN MODS I CAN'T IMAGINE WHY SO MANY PEOPLE FEEL THIS WAY....NOT!!

GODLIKE: (April 02, 2010 9:29am)

As far as voting them out, that's good as far as it goes, but the problem is that we don't have and never will have a viable 3rd party to hold them to task. At the moment all we can do is vote for the least disagreeable party. I'm sure just about everyone can agree the most disagreeable party at the moment is the party in control.

GODLIKE: (April 02, 2010 9:26am)

JOE COLORADO <<THIS>> mess did start with the election. Other messes began at other times. YMMV If you will notice, most of the messes we are dealing with at the moment are of the "We've got the power and we're gonna us it variety." Look at the votes on every bill you and all of us are complaining about and you'll see a completely partisan vote. It's too many dems voting against too few republicans and the bills and all their riders and earmarks have passed because there isn't enough opposition to be able to do a damn thing. An article I read recently said we were all too caught up in the main titles of these bills and that the most damage was coming from the earmarks and riders. They said they were the real reasons for most of the bills.

Joecolorado: (April 02, 2010 9:25am)

whatever.I'm gonna go write another letter to my reps bitchin about what they are not doing for appraisers.Everyone have a good Easter.

NO MORE BROKERS LOL: (April 02, 2010 9:22am)

Joecolorado one I can and will give you is Ronald Regan. It really is people like your self who vote for the wrong people complain and then make the same mistake over and over again. LISTEN the reason I hear you say that politicans run over us and do not care is because they are not afraid of the people if we show them by voting them out that is when they will listen. Watch in NOV what happens and you can take that to the bank I assure the people are waking up and you should too.

Happy Days: (April 02, 2010 9:22am)

Joecolorado That is the same generalization that the POLs use to but all of us in. SOme are bad, so all are bad. Try to have a GOOD FRIDAY. By the way I agree that is they way it seems

Joecolorado: (April 02, 2010 9:21am)

Make it that if they run for a government office their income is FROM that government office.If they want to be a member of a private company they need to go work for that company and not represent the constituents.They cannot have two masters and public office should be just that....PUBLIC....and for the people, nit for some inductry that wishes to influence the government to make more money.

Joecolorado: (April 02, 2010 9:19am)

They always use the excuse that it is for the good of the majority, yet I hear the majority bitchin the majority of the time.No pol is worth his or her salt.They are ALL self serving moneygrubbing weasels, and they all should be put in jail for what they have done to this country,at the expense of their constituents.Make Pols be working ONLY in government,taking money ONLY from government,not being allowed to sit on private boards and certainly not being able to take money from influencing parties or be influenced by external sources..... a bit like what appraisers have to contend with currently.

happy days: (April 02, 2010 9:14am)

NO DOUBLE DIP, I agree with you but, does it say that anywhere and how would they know? Have you read the tax form?

Joecolorado: (April 02, 2010 9:14am)

Thats where you think the people have ANY count. Dont you realize it doesnt matter WHO is in power, the pols ALL screw the people ALL the time.Thats their job.If you would just give me the name of ONE politician, just one, that has done something that was promised would be done that benefited everyone,regardless of party. Heck even one pol that has followed through one anything statewise that benefitted ALL constituents.Now if you need the name of a pol that has done something that has benefitted their main sponsor,regardless of whether it was good for the constituents, you can take your pick,there are a lot of them out there and more waiting in the wings with their own agendas..

No double dip on tax credits: (April 02, 2010 9:01am)

Someone at the state confirmed with me you cannot double dip..seriously $18k to buy a $200k home..come on. You would think we were printing money or something hahahahahahahah

CJTAZ: (April 02, 2010 8:58am)

No I thought it did not overlap either but read the new bill again if the property closes between May and December the credit applies does not say when it goes under contract ala the fed credit. Also it no longer only applies to new contstruction.

NO MORE BROKERS LOL: (April 02, 2010 8:58am)

Joecolorado I am glad you actually know politics and who is representing the people. For your info the Dem's took over the house in 2006 and that is when Polosi became the speaker. This is Obama and Congress they have full power and have showed us that the people do not count.

This Wheel's On Fire: (April 02, 2010 8:54am)

Does JibJab produce these videos? They are brilliant!

Joecolorado: (April 02, 2010 8:52am)

It absolutely amazes me that there are some people that think this mess started on January 2009!

Joecolorado: (April 02, 2010 8:51am)

I wouldnt worry too much about the wholesale lender being liable for the actions of the broker.....There arent going to BE any brokers pretty soon.

NO MORE BROKERS LOL: (April 02, 2010 8:50am)

clulessdad LOL matter a fact I can pat myself on the back, I do it all the time. Cowboy up stop being such a sucker heck I bet you voted for Obama. Maybe next time you will vote for the people who actually care about our freedoms. I bet you learned a hell of a lesson.

No double dip on tax credits: (April 02, 2010 8:49am)

Since the federal credit requires the contract be mutually binding on or before April 30, 2010, the programs are one day apart.

No double dip on tax credits: (April 02, 2010 8:48am)

FYI CJTAZ there is no double dipping of credits. I know our lawmakers are a little stupid but giving these people $18k to buy a home when they would have bought anyway is absurd. After reading the text of the bill AB183, it appears that the two credits (State and Federal) cannot be combined. I originally thought they could based upon the article on the CAR home page. But the text of the bill reads: c) (1) (A) A taxpayer may, but is not required to, reserve a credit prior to close of escrow for the purchase of a qualified principal residence that has never been occupied. To reserve a credit, the taxpayer and seller shall jointly sign and submit to the Franchise Tax Board a certification that they have entered into an enforceable contract on or after May 1, 2010, and on or before December 31, 2010 Hopefully your agents won't start crying when they hear this

clulessdad: (April 02, 2010 8:46am)

No more Brokers-Gee-you must be real good at whatever you do. I am totally impressed with your wisdom, managerial style, ability to influence people and sense of humor. And your ability to make a lot of money! If you can reach around your back, please pat it for me. The sad part is that when change may occur, you will be riding the coattails of people like FHA Steve. Negative attitudes yield negative results. Except if you are phony or untruthful.

NO MORE BROKERS LOL: (April 02, 2010 8:45am)

Shoot an underwriter I could not have said that any better We all need to stand up and let politicians know this is our country the peoples country and if they do not protect our freedoms we will hunt them down and fire them they need to fear us not us fear them. This is our country not theirs!

GODLIKE: (April 02, 2010 8:42am)

DLONG that's good to know. I've avoided the button a second time because I was afraid of what it might do if I got near it again.

Shoot an underwriter: (April 02, 2010 8:41am)

By the year 2020 African Americans and other immigrants ( I am Irish so I am betting on this too) will have free healthcare, a free house, no car payment, a free retirement package, free food vouchers and free access to your local pub. Also If you are in the mortgage industry and doing over 10 loans a month you will have to give up 6 of these to be shared amongst your weaker competition. Thanks Barry Obama The lucky Irish Immigrant

CJTAZ: (April 02, 2010 8:35am)

Best deal in the USA. California REALTORS should be working 18 hour days for the next month. Not only do we have a $8000 and $6500 fed tax credit thank to our GOV we now have a 5% up to $10,000 tax credit over 3 years for the State form May to December 2010. Double dipping my clients that get into contract in April can get up to $18,000 in tax benefits. Even if prices continue to decline you have a $18,000 buffer.

NO MORE BROKERS LOL: (April 02, 2010 8:34am)

FHA Steve as Clulessdad has said to me in a nut shell it is having faith and keep pushing forward I assure you if you get to the polls in NOV this will be the change that we have all needed for a very long time. You need to vote for a Conservative candidate This is the only way to get our freedoms back.

DLONG: (April 02, 2010 8:33am)

OH COME ON FHA STEVE !!!! how can you say something like that about our votes not counting ... havent you seen the movie "swingvote" LOL

NO MORE BROKERS LOL: (April 02, 2010 8:31am)

Clulessdad, I bet you and FHA Steve share the showers after GYM and find dark corners after study hall. Like I said you want change go to the polls because this admin. is not listening and they do not care so you must find a better way and that is to fire them all. Just for your info I actually make more money in a market like this so what the hell...

NO MORE BROKERS LOL: (April 02, 2010 8:30am)

Clulessdad, I bet you and FHA Steve share the showers after GYM and find dark corners after study hall. Like I said you want change go to the polls because this admin. is not listening and they do not care so you must find a better way and that is to fire them all. Just for your info I actually make more money in a market like this so what the hell...

FHA Steve: (April 02, 2010 8:29am)

No More Brokers LOL – Everyone with half a brain knows that your local vote almost never counts. Incumbents rarely get voted out because of gerrymandering (politicians for both sides of the aisle redrawing their district lines to fix the elections) I was a CAR delegate who went with our lobbyists and went to our legislator’s offices and convinced them to vote or not to vote on RE issues affecting our industry. Politicians do NOT take single voters seriously. Even if we do get a certain Dem or Rep removed, they are replaced by another politician who listens to the lobbyist with the most money, and the most voters in their group, not the lone voter. http://www.ipetitions.com/petition/kill_hvcc/

CornerstoneKathy: (April 02, 2010 8:28am)

wow its a holiday weekend and the blogs are already mean and angry..be nice!

SouthlandAppraisersUnion.com: (April 02, 2010 8:27am)

Ok Appraisers, or loan officers. Tell me your story, not your name or even city, just the TRUE story. THE MORE people begin to understand what we face, to more likely it is to change. I will put the story on the website and on Utube. www.SouthlandAppraisersUnion.com . Stand up or lay down.

clulessdad: (April 02, 2010 8:25am)

No More Broker LOL-It is guys like FHA Steve that put out effort to help all of our industry. I am sure that whatever you do in this industry, you will benefit from the actions of people like him. You should say Thank you! But if you don't like that, we can always meet after gym class or study hall. You need to grow up.

DLONG: (April 02, 2010 8:24am)

GODLIKE.... i hate that annoying pop up thing as well. However when they pop up they will go away if you just move your mouse back over the button.

NO MORE BROKERS LOL: (April 02, 2010 8:18am)

FHA Steve stop being a retard go vote

FHA Steve: (April 02, 2010 8:16am)

Also, for those who like Facebook… I have started a group on Facebook Group to help get signatures for the KILL HVCC Petition, and BTW, we are looking to use lobbyists a we only need the $6,000 for the starter fees. http://www.facebook.com/home.php?#!/group.php?gid=106146056086176

NO MORE BROKERS LOL: (April 02, 2010 8:14am)

FHA Steve do you like apples I know you do. You are a bone head. It is a brave new world and it is not going to change with that action. If you want change real change you can count on then go to the polls in Novemeber and show the politicians what change feels like.

GODLIKE: (April 02, 2010 8:14am)

RMW you have a point I hadn't thought about the ethnicicity (is that even a word?) of the originators.

HansBruhner: (April 02, 2010 8:13am)

Jeremy is not tall. That was awesome. Three of my favorite people. Great way to start the day.

FHA Steve: (April 02, 2010 8:11am)

I have some signatures for Marc Savitt to take to DC on 4/14/2010. If anyone knows the email for Marc Savitt please forward this message to him. Please Marc Savitt, call attorney Michael Brush at 310-963-0140. (An exceptional Civil Rights and Federal Expert and interview him.) He has already been briefed (pardon the pun), and he believes that he can bring the HVCC nightmare to an end. Also, Marc, please contact me at [email protected] for a copy of my hundreds of sigs to KILL HVCC with Teeth. http://www.ipetitions.com/petition/kill_hvcc/

NO MORE BROKERS LOL: (April 02, 2010 8:09am)

BROKERS do you like apples how do you like those apples. You will need to find another job LOL. Just like appraisers you are going to get sucker punched LOL. This is funny stuff.

GODLIKE: (April 02, 2010 8:09am)

UnGodLike It's YOU ARE or You're not Your

GODLIKE: (April 02, 2010 8:06am)

Are you guys giants or is Jeremy just a "little person"?

UnGodLike: (April 02, 2010 8:05am)

Your annoying GODLIKE - How do we get YOU to go away?

UnGodLike: (April 02, 2010 8:04am)

GODLIKE - What kind of moron are you? "The Dems"?? Who the f**ck do you think put us in this mess in the first place?

GODLIKE: (April 02, 2010 8:04am)

YOUR SHARE BUTTON IS ANNOYING! If your mouse accidentally grazes it a huge pop up box that won't go away

GODLIKE: (April 02, 2010 8:00am)

LET'S DO THE MATH! (this made me sick and explains my finances) Prior to the election FHA only had 20-30% of the business. Now basically all we have is FHA and while the FHA numbers have climbed business levels are still only at about 35% of pre election sales. FHA says that 80% of their business is first time homebuyers (which they also say is not good). If they lose 80% of the first time homebuyers due to the loss of the tax credit then we will be working with (35% x 80% =) 28% of the business we had at the time of the election. Can the country's economy sustain itself with those numbers? Maybe that's the root cause of so few people actually getting SAFE Act and NML compliant.

DLONG: (April 02, 2010 8:00am)

loans and make a determination that way. Yes the knowlege that is being demanded as a standard now is a good thing. It just the blanket unrelated discrimination that pisses me off. I mean it is very well known that our industry is second to the service industry in "drinking" just take it from what you see on the daily half the time. And also most of these "get the wrong people out" comments come from the most under educated, incompetant LO'S i have ever met. Now before anyone says anything, i am not reffering to my self so dont take jabs at that just think about what i am saying here. Its like arresting people inside a bar, for a murder charge, simply becuase they own a car... not the right way if you ask me. That being said i dont have a solution just a complaint.

Jersey Girl: (April 02, 2010 7:55am)

Love those bloopers! I am going to go search for my Sharpies...I know I have some here somewhere. ;) Have a great weekend!

GODLIKE: (April 02, 2010 7:55am)

YES THERE WILL BE ANOTHER TAX CREDIT! Cmon guys it's an election year. They will have to create a problem and the resulting hue and cry then they can swoop in like a knight in shining armor to correct the problem they created and look like the good guys all the while intoning VOTE FOR ME IN NOVEMBER. The Dems have no hope of retaining any sembalance of control if they don't manufacture and a correct a few problems to get a little positive public sentiment going their way.

DLONG: (April 02, 2010 7:55am)

Frank... now Frank we have spoken about the jumping out of the plane issue before :)... i think u just end it with your Guinness toast is the perfect way to end the show. On a totally unrealted issue to the days disscusion, i think all this crap about people saying these new harsher licensing laws are good inorder to get the "wrong people" out of the biz. That blanket statment just makes me mad. I have seen and known soooo many LO's with clean historys being the most unethical and fraudulent people in the game today. Where as i have also seen people with DUI's and unrelated issues ( wich would still exclude them from licensin) being so legit they have turned down loans with 15k in rev. at a clear to close stage becuase they caught fraud on their borrowers end. Just saying unless the history that is preventing the licensing is related to fraud or financal crime, then there must be a better way to evaluate the indiviual.... oh i dont konw maybe a review of the past 6 years of there

No More Brokers: (April 02, 2010 7:53am)

Would you consider this another way to isolate mortgage brokers? Meaning if you start coming after wholesale lenders maybe they will just leave wholesale then there is no more broker.

GODLIKE: (April 02, 2010 7:52am)

Once again your poll doesn't go quite far enough. Yes, I believe the wholesalers should be responsible for their brokers actions - IF it was an action that the wholesaler could have found and fixed such as an incorrect or out of compliance GFE, TIL or something like that. Charging too much? You aren't supposed to be able to control pricing. Each company sets the profit margin they are comfortable with or else need to be able to continue to operate and the consumer is supposed to decide if they feel comfortable paying that price. Some companies furnish more than the minimum amount of service and make their customers more safe and secure. Wasn't it Teddy Roosevelt way back in the early 1900s who was big into Trust busting and price fixing?

Edward Teach: (April 02, 2010 7:47am)

I'm not sure that WS lenders should be held accountable, but they sure could be. They have access to page four of the 1003, just like the broker, the branch manager and the LO. All of these people could be responsible, but especially the LO.

GODLIKE: (April 02, 2010 7:47am)

I'm not sure I buy the whole one race got charged more than the others thang. Now if it were Asians that showed to get charged more I'd say THEY were onto something since culturally the Asians tend to have better credit than whites, hispanic or blacks. Culturally the blacks tend to have lower credit scores than asians, hispanics or whites so I'm thinking there's more to this than meets the eyes. I would buy that some people got charged more because they were pains in the butts or that there was extra work performed to document their situation or, in our case, where we perform our own credit corrections.

SOuthlandAppraisersUnion.com: (April 02, 2010 7:45am)

Who makes it the Appraiser or the Polar bear? http://southlandappraisersunion.com/Email1.html

creative4hv: (April 02, 2010 7:42am)

There are theives in every industry!! Even law enforcement has bad guys people!!

Gilbert: (April 02, 2010 7:17am)

Hey Frank or Brian, I haven't been getting the daily sent to my email...how do I best troubleshoot this?

tcurtis: (April 02, 2010 6:58am)

I answered no to blaming the wholesaler for broker actions, but the broker sure got blamed for a lot of things that they were not rsponsible for...

RMW: (April 02, 2010 6:57am)

As a wholesale lender, I find it interesting that the DOJ will hold us accountable for the poor fee decisions of "some" brokers. I have reviewed fees from brokers myself, and my question is; what will the DOJ do when they find out that a majority of minority brokers charged higher origination fees to minorities than fees they charged to their Hispanic, or White customers? I am not singling any one race out, because this type of fee charging can be found in loans no matter what the LO’s race maybe. It is unfortunate we have to continue to answer for these LO’s/broker’s, WHO probably are no longer lending (thank God), or will never pass the test’s. Whatever the case maybe, I hope they all go back to the car lots from which they came!

frankgaray: (April 02, 2010 6:55am)

Gilbert. it's not you, it's us. We're working on it. In the meantime you can always go to www.TBWSDaily.com for the latest show.

Anonymous: (April 02, 2010 6:53am)

I found the response so interesting I had to share - this is what we appraisers have wanted since the HVCC ruling but do you think anyone will join? The best part of the letter trsponse -I expect to see your check by Monday APR 5 2010 !! Put up, or shut up! W.R.Buchanan 805-649-1107 Thanks for your support

Anonymous: (April 02, 2010 6:51am)

I expect to see your check by Monday APR 5 2010 !! Put up, or shut up! W.R.Buchanan 805-649-1107

Anonymous: (April 02, 2010 6:51am)

WE ARE TRYING TO CHANGE THAT ! And we need YOUR help! None of this BLEEP happens over nite, and none of it happens at all if people like you don't help! It doesn't take that much time to write a letter to your Congressman, or Representative. Right now in CA as of March 25th. OREA has 13,244 active appraisers. One month ago it was over 15,000. We are dropping like flies. Which is not a bad thing right now until we get the numbers back into the realistic zone and get rid of the riff raff that works for pennies and doesn't really want to be part of the profession and the group in general. I say screw them, and let them go the way of the DODO. They were never part of this group anyway, They were just parasites living off the good work done by the real members of this profession. They BLEEP in our nest, and I don't like that! As a result we have BLEEP to contend with like the HVCC, and $175 fees. But, all that said,,, if we don't stand up and fight, we will ALL BE OUT OF A JOB !!! I personally have invested 10 years and many thousands of dollars in the appraising profession, and I'm not looking to lose all that. I can understand your frustration,

Anonymous: (April 02, 2010 6:50am)

Before you take exception to our group you should know a couple of things. First we are the first group in this state who has not been established by a bunch of whiners. The people in this group all have a common goal to take our livelihood back from the a__holes in banking, and we are going to do it with political support and laws written in our favor. This does not happen over night and it certainly doesn't happen if people like you won't accept the fact that change can happen in the first place . Also it won't happen if people like you don't participate. It doesn't matter if everyone else has failed, they didn't try hard enough! Plain fact !!!,,, If they had tried harder, there would be some evidence of their previous existence! We are trying to do something to benefit us all, and have been well received by both parties of politicians, and the OREA too, as well as most of the industry in general. There will be benefits to being a part of our group, and in fact there are already some coming, after only 2 months in existence. There are articles coming in our industry publications to inform people like you of our intentions and things we have accom

Anonymous: (April 02, 2010 6:49am)

Sent: Thursday, April 01, 2010 4:17 PM Subject: CCAP, You need to get off your ass and join, not whine! Your response was forwarded to me by the guy who sent out the email to you in the first place. I have a somewhat more curt assessment of your response to our effort to organize the unwilling into a viable group.. Let me tell you what,, I am a Machinist, and an Appraiser, cuz I need two jobs to keep me afloat. I can totally understand your position, but I can't even agree with it. Both me and my Wife are CREA's and I have a Machine Shop too. I just did my first appraisal this year, last Monday 3/29/10. My wife has done only 1 also. But, I know this will change, and I am going to help make it change. It doesn't count if you sit back and do nothing, You can't bitch if you don't help! And frankly I don't really want your whining ass riding my coattails, and benefiting financially from my hard work. If you are going to be part of this profession, then you need to step up! I can also understand your reluctance to join when it is a proven fact most appraisers live in holes and only stick their heads out to check the wind direction. I suspect you

Anonymous: (April 02, 2010 6:48am)

A FOUR PART RESPONSE FROM W.R.Buchanan of Ohio Coalition of Appraisal Professionals - welcome to the professional style of California - potty mouth woord bleeped out. OK Here it comes.

Chris Miller: (April 02, 2010 6:41am)

Always love to see the blooper reel. Keep adding them every day. Good job guys. Keep up the great work you do. Thanks.

Just sayin: (April 02, 2010 6:24am)

if they're going to enforce this law.. shouldn't ANYONE who was charged more than the 'norm' be recompensated, instead of just recompensating african americans.. ?

John: (April 02, 2010 5:29am)

"The Best Friday You'll Ever Have is Right Here".. can you guys stop the b.s. its starting to get trivial

Anonymous: (April 02, 2010 5:19am)

Hi, the tax credit was extended.

dmorgan: (April 02, 2010 5:16am)

You guys really need to check out the CE classes, cram course for the national licensing and realtor, appraiser and inspector licensing at www.statece.com/universalce. YOU WILL GET A 25% DISCOUNT OFF OF ALL PURCHASES!!! You can let me know if you have any questions about it. My email is [email protected]

Glenn: (April 02, 2010 3:38am)

Classic - you guys are great! Enjoyed the guest tangent and out takes! Thanks Keep up the good work! TBWS...Glenn