Mortgage Broker Forums at Broker Outpost

Ron Paul goes mainstream!!!! (by: Gabriels)

Ron Paul, together with his son Rand Paul were interviewed on Glenn Becks program this evening. Ron Paul said that a third party is not viable for the near future, and that we need to work within the Republican party to bring it back to its core principles of conservatism. At least thats what I heard him say. Ron Pauls stock just went way up for me. - Last Post by: Gabriels on 11/07/2009 @ 02:55 AM

What have we done? (by: Gabriels)

She finally gets it? http://www.metacafe.com/watch/3486458/what_have_we_done/ - Last Post by: Gabriels on 11/07/2009 @ 02:23 AM

Soldier who killed at Ft Hood.... a terrorist? (by: assassin17)

A law enforcement official identified the shooting suspect as Army Maj. Malik Nadal Hasan. Anyone else think an Islamic Extremist/Middle Eastern/Osama Bin Ladin follwer/ terrorist may have infiltrated the US Army to do this killing activity?? - Last Post by: assassin17 on 11/07/2009 @ 01:13 AM

20/20 (by: Oracles)

Is the Ft. Hood Gunman dead or not? - Last Post by: Oracles on 11/07/2009 @ 12:41 AM

Bunch of wackos (by: Oracles)

[url]http://news.yahoo.com/s/afp/20091103/ts_alt_afp/usiraqcaraccidentcrime[/url] Iragi father runs over daughtern for becoming too "westernized" - Last Post by: Oracles on 11/07/2009 @ 12:35 AM

List of Muslim Terror Attacks in US (by: LoanPro71)

TheReligionofPeace.com Islamic Terror Attacks on American Soil We recently got taken to the mat by a polite, young Muslim living in the U.K. who took issue with our oft-repeated statement that no Muslim-American lost their life to vigilante violence following 9/11. She provided us a list of six or seven candidates and, after whittling out the ones where the killer was unknown or in cases with mitigating circumstances such as �victim was sleeping with killers ex-girlfriend (and were not making that up), we reached a shocking conclusion: We were wrong. There is one seemingly unambiguous case that occurred in Dallas, Texas where Waqar Hasan, a Muslim convenience storeowner, was gunned down by Mark Anthony Stroman four days after the 9/11 attacks. Stroman claimed to have been motivated by anger from watching the towers fall. He is not exactly your average American, however, even apart from the shooting. For one thing, he is a white supremacist who carried a felony criminal record at the time of the attack. He also went on to shoot two more people in the weeks that followed. Thankfully, an American jury sentenced Mark Stroman to death. The same cannot be said of many Muslim terrorists such as Lockerbie bomber, Abdelbaset Al Megrahi, who not only have sanctuary in Muslim countries, but are often treated as heroes by devout followers of Muhammad. Nevertheless, we acknowledge that our friend is correct and that there was at least one Muslim killed in an anti-Arab hate crime in the U.S. following the anti-American hate crime on 9/11. For anyone keeping score: People killed by radical Muslims on 9/11: 2,996 Muslim-Americans killed "in revenge": 1 Of course, 9/11 was neither the first nor the last time that Muslims have killed Americans on U.S. soil in terror attacks. In fact, since that day, Muslims have killed at least 52 people in 31 separate acts of terrorism in the United States (by the standards that Muslim-American groups set for hate crimes). Perhaps more importantly, there have been quite a few planned mass murders of Americans by Islamic terrorists that were thwarted by the FBI, law enforcement and overseas intelligence operations both before and after 9/11. By contrast, Muslim-Americans do not appear to be in any special danger from murderous (non-Muslim) religious fanatics, even in a nation awash in firearms. Identity groups, such as CAIR, whine incessantly about relatively trivial incidents while turning a blind eye to the horrible violence that is meted out daily in the name of their religion. This distasteful petulance offers insight not only into the character of Islam, but also the impressive religious tolerance that Americans manage to maintain. For anyone wondering about the history of deadly Islamic terror on American soil in the last 35 years, heres what we could find: Date Country City/State Killed Injured Description 4/14/1972 USA New York, NY 1 3 Ten members of a local mosque phone in a false alarm and then ambush responding officers, killing one. 1/19/1973 USA Brooklyn, NY 1 1 Muslim extremists rob a sporting goods store for weapons, gunning down a police officer who responds to the alarm. 7/18/1973 USA Washington, DC 8 2 Nation of Islam members shoot seven members of a family to death in cold blood, including four children. A defendant in the case is later murdered in prison on orders from Elijah Muhammad. 10/19/1973 USA Oakland, CA 1 1 Nation of Islam terrorists kidnap a couple and nearly decapitate the man, while raping and leaving the woman for dead. 10/29/1973 USA Berkeley, CA 1 0 A woman is shot repeatedly in the face by Nation of Islam terrorists. 11/25/1973 USA Oakland, CA 1 0 A grocer is killed in his store by Nation of Islam terrorists. 12/11/1973 USA Oakland, CA 1 0 A man is killed by Nation of Islam terrorists while using a phone booth. 12/13/1973 USA Oakland, CA 1 0 A woman is shot to deah on the sidewalk by Nation of Islam terrorists. 12/20/1973 USA Oakland, CA 1 0 Nation of Islam terrorists gun down an 81-year-old janitor. 12/22/1973 USA Oakland, CA 2 0 Nation of Islam terrorist kills two people in separate attacks on the same day. 12/24/1973 USA Oakland, CA 1 0 A man is kidnapped, tortured and decapitated by Nation of Islam terrorists. 1/24/1974 USA Oakland, CA 4 1 Five vicious shooting attacks by Nation of Islam terrorists leave three people dead and one paralyzed for life. Three of the victims were women. 4/1/1974 USA Oakland, CA 1 1 A Nation of Islam terrorist shoots at two Salvation Army members, killing a man and injuring a woman. 4/16/1974 USA Ingleside, CA 1 0 A man is killed while helping a friend move by Nation of Islam terrorists. 3/9/1977 USA Washington, DC 1 1 Hanifi Muslims storm three buildings including a Bnai Brith to hold 134 people hostage. At least two innocents were shot and one died. 7/22/1980 USA Bethesda, MD 1 0 A political dissident is shot and killed in front of his home by an Iranian agent who was an American convert to Islam. 8/31/1980 USA Savou, IL 2 0 An Iranian student guns down his next-door neighbors, a husband and wife. 1/31/1990 USA Tuscon, AZ 1 0 A Sunni cleric is assassinated in front of a Tuscon mosque after declaring that two verses of the Quran were invalid. 11/5/1990 USA New York City, NY 1 0 An Israeli rabbi is shot to death by a Muslim attacker at a hotel. 1/25/1993 USA Langley, VA 2 3 A Pakistani with Mujahideen ties guns down two CIA agents outside of the headquarters. 2/26/1993 USA New York, NY 6 1040 Islamic terrorists detonate a massive truck bomb under the World Trade Center, killing six people and injuring over 1,000 in an effort to collapse the towers. 3/1/1994 USA Brooklyn, NY 1 0 A Muslim fires on a vanload of Jewish boys, killing one. 3/23/1997 USA New York, NY 1 6 A Palestinian leaves an anti-Jewish suicide note behind and travels to the top of the Empire State building where he shoot seven people in a Fedayeen attack. 4/3/1997 USA Lompoc, CA 1 0 A prison guard is stabbed to death by a radical Muslim. 10/31/1999 USA Near Nantucket 217 0 An Egyptian airline pilot runs a planeload of 217 passengers into the water after uttering a Quranic prayer. 3/17/2000 USA Atlanta, GA 1 1 A local imam and Muslim spiritual leader guns down a deputy sheriff and injures his partner. 9/11/2001 USA Washington, DC 184 53 Nearly 200 people are killed when Islamic hijackers steer a plane full of people into the Pentagon. 9/11/2001 USA Shanksville, PA 40 0 Forty passengers are killed after Islamic radicals hijack the plane in an attempt to steer it into the U.S. Capitol building. 9/11/2001 USA New York, NY 2772 251 Islamic hijackers steer two planes packed with fuel and passengers into the World Trade Center, killing hundreds on impact and eventually killing thousands when the towers collapsed. At least 200 are seriously injured. 3/19/2002 USA Tuscon, AZ 1 0 A 60-year-old man is gunned down by Muslim snipers on a golf course. 5/27/2002 USA Denton, TX 1 0 Muslim snipers kill a man as he works in his yard. 7/4/2002 USA Los Angeles, CA 2 0 Muslim man pulls out a gun at the counter of an Israeli airline and kills two people. 9/5/2002 USA Clinton, MD 1 0 A 55-year-old pizzaria owner is shot six times in the back by Muslims at close range. 9/21/2002 USA Montgomery, AL 1 1 Muslim snipers shoot two women, killing one. 9/23/2002 USA Baton Rouge, LA 1 0 A Korean mother is shot in the back by Muslim snipers. 10/2/2002 USA Wheaton, MD 1 0 Muslim snipers gun down a program analyst in a store parking lot. 10/3/2002 USA Montgomery County, MD 5 0 Muslim snipers kill three men and two women in separate attacks over a 15-hour period. 10/9/2002 USA Manassas, VA 1 1 A man is killed by Muslim snipers while pumping gas two days after a 13-year-old is wounded by the same team. 10/11/2002 USA Fredericksburg, VA 1 0 Another man is killed by Muslim snipers while pumping gas. 10/14/2002 USA Arlington, VA 1 0 A woman is killed by Muslim snipers in a Home Depot parking lot. 10/22/2002 USA Aspen Hill, MD 1 0 A bus driver is killed by Muslim snipers. 8/6/2003 USA Houston, TX 1 0 After undergoing a religious revival, a Saudi college student slashes the throat of a Jewish student with a 4" butterfly knife, nearly decapitating the young man. 12/2/2003 USA Chicago, IL 1 0 A Muslim doctor deliberately allows a Jewish patient to die from an easily treatable condition. 4/13/2004 USA Raleigh, NC 1 4 A Muslim man runs down five strangers with a car. 4/15/2004 USA Scottsville, NY 1 2 In an honor killing, a Muslim father kills his wife and attacks his two daughters with a knife and hammer because he feared that they had been sexually molested. 6/16/2006 USA Baltimore, MD 1 0 A 62-year-old Jewish moviegoer is shot to death by a Muslim gunman in an unprovoked terror attack. 6/25/2006 USA Denver, CO 1 5 Saying that it was Allahs choice, a Muslim shoots four of his co-workers and a police officer. 7/28/2006 USA Seattle, WA 1 5 An angry Muslim-American uses a young girl as hostage to enter a local Jewish center, where he shoots six women, one of whom dies. 10/6/2006 USA Louisville, KY 4 1 In an honor attack, a Muslim man rapes and beats his estranged wife, leaving her for dead, then savagely murders their four children. 2/13/2007 USA Salt Lake City, UT 5 4 A Muslim immigrant goes on a shooting rampage at a mall, targeting people buying Valentines Day cards at a gift shop and killing five. 1/1/2008 USA Irving, TX 2 0 A Muslim immigrant shoots his two daughters to death on concerns about their Western lifestyle. 7/6/2008 USA Jonesboro, GA 1 0 A devout Muslim strangles his 25-year-old daughter in an honor killing. 2/12/2009 USA Buffalo, NY 1 0 The founder of a Muslim TV station beheads his wife in the hallway for seeking a divorce. 6/1/2009 USA Little Rock, AR 1 1 A Muslim with religious motives shoots a local soldier to death inside a recruiting center. 11/2/2009 USA Glendale, AZ 1 1 A woman dies from injuries suffered when her father runs her down with a car for being too Westernized. (10-20-09) 11/5/2009 USA Ft. Hood, TX 13 31 A Muslim psychiatrist guns down thirteen unarmed soldiers after proclaiming that Muslims should stand up and fight." (3,308 killed by Muslims in America in 65 terror attacks) - Last Post by: LoanPro71 on 11/07/2009 @ 12:35 AM

How easy is it to add memory to the hard drive? (by: Oracles)

My laptop is slowing down and it is probably because I need more memory. Is it just a just a matter of popping in a new hard drive with more Gigs? How is this done? Thanks - Last Post by: Oracles on 11/07/2009 @ 12:16 AM

Owner Financing (by: victor56)

Is it possible for a seller to offer owner financing if he still owes a mortgage on the property? Example, if I still owe my house to Citi MTG, can I offer owner financing to someone who wants to buy it? Reason I ask is because I have someone who just told me he is paying his landlord on an owner finance deal but the landlord still owes the property to a bank and my customer just didnt sound very educated about the entire process and he feels as if he got ripped off. I asked for him to bring me the paperwork so I can review it. Is all this possible? - Last Post by: victor56 on 11/06/2009 @ 11:15 PM

Florida Purchase (by: DBtheAE)

Ive been out of the industry for a year or so. My parents are trying to purchase a single family home in Florida but would prefer to put down 5%. Mid Fico is 760 and ratios are good. Loan amount is around 400k so they cannot go FHA (Pinellas County). Ive been told that getting MI will be an issue because just about all Florida is considered a declining market and would be limited to 90% LTV. Any suggestions on how to get this done at 95% would be greatly appreciated. Not opposed to a 1st and 2nd if its out there. Just looking for 95%. Is this doable? - Last Post by: DBtheAE on 11/06/2009 @ 11:02 PM

SB94 (by: crankyusi)

What Loan Modification Companies Dont Want You To Hear SB94 goes into effect on October 11, 2009 There are a lot of loan modification processing companies and law firms that are still performing loan modifications in the state of California. Some have claimed that they did their research with the DRE, law makers and their attorneys and have found a way around SB94. This is what some companies are claiming is their way around SB94: 1.They revised their contracts and now accept funds upon completion of individual tasks. 2.They charge $3000 for Research and Analysis and then do the Negotiation for free. 3.They will perform a forensic loan analysis for a fee and do a loan modification for free. 4.They sell Do-It-Yourself Kits. 5.Any combination of the above Here is the problem: THEY ARE ALL ILLEGAL!! The Truth Behind SB94 No money may be collected before ALL work is completed for the modification and the client receives their modification from their lender. If $1000 is collected, it is a felony. Even if you are not performing loan modifications in CA but your processing company is, you are jeopardizing your clients and your business. If your processing company is caught, their business will be shut down - which in turn, will shut your business down. And the clients that they are processing will be left out in the cold. The CA Attorney General, Jerry Brown, is now running for governor. He is on a political crusade to go after these companies who are still performing loan modifications for CA homeowners, shut them down and prosecute them. What Can Be Done? There are two options: 1. Stay out of California and do not allign your company with a processing company or law firm that still accepts CA clients. 2. Perform all work on the loan modification. Present the client with their modification results. Then try to collect your fee. *The problem with that is you will not get paid by the client. - Last Post by: crankyusi on 11/06/2009 @ 10:45 PM

Blue ribbon against child abuse (by: carriemaese)

http://gossimer.multiply.com/journal/item/243 Kat just emailed this to me and I was very taken aback. You hear of child abuse but until I got this email I just never visualized how terrible it really is. I am in tears. Do not click on this link if there are children around. Terrible. - Last Post by: carriemaese on 11/06/2009 @ 9:30 PM

Fantasy Land Mortgage... Up Again?! (by: MSUSpartans)

Everyone remember the site fantasylandmortgage.com? What happened to it. I came across this website by chance by typing the address is wrong on my browser and I got an actual website! Not bad seems like an upgrade from the original fantasylandmortgage website. Either way glad its back up now I can tell my piece of ____ clients to go there and quit wasting time. Check em out though http://www.fantasylandmortgages.com/blog.html[url][/url] - Last Post by: MSUSpartans on 11/06/2009 @ 9:25 PM

call tracking sheets (by: jfrederick)

Where can i find a good one... to keep track of my numbers... Anybody care to share.. - Last Post by: jfrederick on 11/06/2009 @ 9:12 PM

Charlie Crist never embraced the (by: khoiey)

stimulus package and money for Florida. At least thats what he says now ... forgetting that he is on videotape doing just that. You see ... that is what I love about Republicans. Just another day in liars paradise. - Last Post by: khoiey on 11/06/2009 @ 9:04 PM

$6500 Move Up Credit (by: peter)

I cant seem to find out if somebody building a house would be eligible for the move up credit or not. I have a friend that wants to know ASAP so he can break ground soon enough to have the house finished by June 30. This could get confusing. If he buys land for $50,000 now but gets a constrution loan he is never really purchasing a house - hes purchasing vacant land and hiring someobdy to build him a house. How does that work? - Last Post by: peter on 11/06/2009 @ 7:40 PM

Will rates decline after 10.2 unemployment report? (by: peter)

I see a slight decline in the 10-year bond today and better rates, i.e. 4.625% with 0.825 cost for 30-day lock. There was also a bond rally this afternoon. Foreclosure reports have yet to come out, but the 10/2 jobless rate should influence the 30-year conforming fixed rate to 4.625% par any day next week when the 10-yr bond should rally and the yield should drop by 10 points? Anyone disagree with this speculation? Thank you for your input. Peter - Last Post by: peter on 11/06/2009 @ 7:35 PM

NMLS (by: madonna)

I am taking a 3 day class next week for the national test as I was told it has to be passed by 12/31/09. I have seen and heard that is not needed now until 12/31/2010 can someone confirm? - Last Post by: madonna on 11/06/2009 @ 7:28 PM

Small commercial loan lenders? Anyone. (by: peter)

We are looking for a small commercial loan of about $ 168,000 or 60% LTV on an office condo with a market value of $280,000. Property is free and clear and has a seasoned monthly rental income of $1,450. Full doc or stated. Los Angeles, CA. Direct lenders with proven title records shown as lenders of record in Los Angeles please. Any offer? Peter - Last Post by: peter on 11/06/2009 @ 7:18 PM

new to business (by: The Truth)

I work for a new mortgage company and I am new to the business-aobut 2-3- months. I am working on my 4th loan and find the people I work for want me to grow wings, but dont have time to teach me. IF I ask questions, I get a rash of sh== later about it. I also am getting blamed for the errors that occur, eventhough I know little about loans. Should I stick it out, or movbe on to another firm? Are banks better than mortgage companies? thanks! - Last Post by: The Truth on 11/06/2009 @ 7:09 PM

Things Are Better! Unemployment @ 10.2%!! (by: homer5)

Happy Days Are Here Again!!! http://www.cnbc.com/ - Last Post by: homer5 on 11/06/2009 @ 6:54 PM

GOP mulls stripping Dede of top post (by: CoolMtgGuy)

for endorsing the Dem candidate. Assembly Minority Leader Brian Kolb will announce after the face-to-face meeting whether Scozzafava, the Minority Leader Pro Tempore, will remain as the GOP floor leader. Nahhhh ... the GOP does not get even with members who stray. Yet the Dems continue to keep Lieberman in his committee chairmans post despite his endorsement of John McCain, campaigning for him and then threaten to filibuster his own party. Who is really more vindictive .... Dems or Reps? They embrace a traitor from the other party but is ready to slay one from their own. These are the people who want to run this country? - Last Post by: CoolMtgGuy on 11/06/2009 @ 6:43 PM

Iran tested advanced nuclear warhead design (by: Oracles)

The UNs nuclear watchdog has asked Iran to explain evidence suggesting that Iranian scientists have experimented with an advanced nuclear warhead design, the Guardian has learned. The very existence of the technology, known as a "two-point implosion" device, is officially secret in both the US and Britain, but according to previously unpublished documentation in a dossier compiled by the International Atomic Energy Agency (IAEA), Iranian scientists may have tested high-explosive components of the design. The development was today described by nuclear experts as "breathtaking" and has added urgency to the effort to find a diplomatic solution to the Iranian nuclear crisis. The sophisticated technology, once mastered, allows for the production of smaller and simpler warheads than older models. It reduces the diameter of a warhead and makes it easier to put a nuclear warhead on a missile. Documentation referring to experiments testing a two-point detonation design are part of the evidence of nuclear weaponisation gathered by the IAEA and presented to Iran for its response. The dossier, titled "Possible Military Dimensions of Irans Nuclear Program", is drawn in part from reports submitted to it by western intelligence agencies. The agency has in the past treated such reports with scepticism, particularly after the Iraq war. But its director general, Mohamed ElBaradei, has said the evidence of Iranian weaponisation "appears to have been derived from multiple sources over different periods of time, appears to be generally consistent, and is sufficiently comprehensive and detailed that it needs to be addressed by Iran". Extracts from the dossier have been published previously, but it was not previously known that it included documentation on such an advanced warhead. "It is breathtaking that Iran could be working on this sort of material," said a European government adviser on nuclear issues. James Acton, a British nuclear weapons expert at the Carnegie Endowment for International Peace, said: "Its remarkable that, before perfecting step one, they are going straight to step four or five ... To start with more sophisticated designs speaks of level of technical ambition that is surprising." Another western specialist with extensive knowledge of the Iranian programme said: "It raises the question of who supplied this to them. Did AQ Khan [a Pakistani scientist who confessed in 2004 to running a nuclear smuggling ring] have access to this, or is it another player?" The revelation of the documents comes at a time of growing tension. Tehran has so far rejected a deal that would remove most of its enriched uranium stockpile for a year and replace it with nuclear fuel rods which would be much harder to turn into weapons. The Iranian government has also balked at negotiations, which were due to begin last week, over its continued enrichment of uranium, in defiance of UN security council resolutions. There are fears in Washington and London that if no deal is reached to at least temporarily defuse tensions by the end of December, Israel could set in motion plans to take military action aimed at setting back the Iranian programme by force, with incalculable consequences for the Middle East. Iran has rejected most of the IAEA material on weaponisation as forgeries, but has admitted carrying out tests on multiple high-explosive detonations synchronised to within a microsecond. Tehran has told the agency that there is a civilian application for such tests, but has so far not provided any evidence for them. Western weapons experts say there are no such civilian applications, but the use of co-ordinated detonations in nuclear warheads is well known. They compress the fissile core, or pit, of the warhead until it reaches critical mass. A US national intelligence estimate two years ago said that Iran had explored nuclear warhead design for several years but had probably stopped in 2003. British, French and German officials have said they believe weaponisation continued after that date and may still be continuing. In September, a German court found a German-Iranian businessman, Mohsen Vanaki, guilty of brokering the sale of dual-use equipment with possible applications in developing nuclear weapons. The equipment included specialised high-speed cameras, of the sort used to develop implosion devices, as well as radiation detectors. According to a report by the Institute for Science and International Security, the German foreign intelligence service, the Bundesnachrichtendienst, testified at the trial that there was evidence that Irans weapons development was continuing. The IAEA is seeking to find out what the scientists and the institutions involved in the experiments are doing now, but has so far not been given a response. The agencys repeated requests to interview Mohsen Fakhrizadeh, whose name features heavily in the IAEAs documentation and who is widely seen as the father of the Iranian nuclear programme, have been turned down. The agency has also asked Iran to explain evidence that a Russian weapons expert helped Iranian technicians to master synchronised high-explosive detonations. The first implosion devices, like the "Fat Man" bomb dropped on Nagasaki on 9 August 1945, used 32 high-explosive hexagons and pentagons arrayed around a plutonium core like the panels of a football. The IAEA has a five-page document describing experimentation on such a hemispherical array of explosives. According to a diplomat familiar with the IAEA documentation, the evidence also points to experiments with a two-point detonation system that represents "a more elegant solution" to the challenges of making a nuclear warhead, but it is much harder to achieve. It is used in conjunction with a non-spherical pit, in the shape of a rugby ball, or explosives in that shape wrapped around a spherical pit, and it works by compressing the pit from both ends.The IAEA has expressed "serious concern" about Irans failure to give an account of the research its scientists have carried out. Descriptions of "two-point implosion" warheads designs have occasionally appeared in the public domain (there are extensive descriptions on Wikipedia) and they were first developed by US scientists in the 1950s, but it remains an offence for American officials or even non-governmental nuclear experts with security clearance to discuss them. http://www.guardian.co.uk/world/2009...warhead-design ---------------------------------------------- Does Obama know what hes doing? - Last Post by: Oracles on 11/06/2009 @ 6:34 PM

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Need a Wholesale Lender for Foreign National Loan (by: Lettyg123)

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Need a Wholesale Lender for Foreign National Loan (by: Lettyg123)

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Any Foreign National lenders in Texas? (by: Lettyg123)

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Any Foreign National lenders in Texas? (by: Lettyg123)

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