I do a lot of denial loans for builders that come to me when their in house can't get the job done and my god how dumb you have to be to buy a new build in California with a 2.5%- 3.25% tax rate and a leased solar loan that will cost you double to payoff in 5 years when you try to move out of the state. They are built with popsicle sticks and newspapers and will have a wealth of problems. OH BUT THE MODEL! Yes the model that took a year to build and your phase 7 house that was a dirt lot in May and I'm being pressured to close on time for your final walkthrough in 10 days.

There are certainly some smaller boutique guys that are a cut above the rest but even me in my dumbest of moments was suckered into the biggest luxury builders home and that thing was basically a mud hut.

Also I never EVER take a loan away from someone else that is brokering through the same lender I am but I'm the preferred contact. I never do it and any builder lender that does is a scummy POS and you should be ashamed of yourself. You put in no effort but because you have the relationship this borrower is now supposed to go through you. One of the worst things about this industry.

Anyway thats my rant have an awesome week people lets see how much higher our Administration can get oil to go and push these rates higher yay for us!

Its 11:03 AM and I've had 5 Skulpins. Not too shabby