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Peter Gladkin
Broker,  Culture Mortgage
4321 Deer Creek Way
Oceanside,  California  92057
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"I have serious problems with this budget proposal... HUD, asking to increase their budget when we need to systematically reduce our government spending by 50% - mandatory and discretionary - if we want to bring our spending inline with revenue. There is no reason HUD should be requesting an additional 1 BILLION in funds to fund the National Housing Trust Fund that has never been funded before. This is redistribution of wealth and a perfect example of the soft tyranny we're living under. I find..."    View Comment
"Clem hit the nail on the head... collecting 3 billion a year in MIP... and already has 3.6 billion... where/how is this new money being spent. This government math is incredibly questionable. It's time we stop letting them get away with things like this... I think it was 1st grade where we learned basic adding and subtracting - apparently someone was sick that day... but the sad part is we as a society let them get away with this - why? Because we're too busy to do anything about it. Everyone..."    View Comment
"Sounds like despite this recent rise in yield, we could see rates come back down in the coming months, particularly if the Fed implements QE. Fingers crossed."    View Comment
"That's a good analysis... am curious... do you anticipate the Fed off loading MBS as pricing reaches and breaches highs... Earlier in the week we saw the 4.5 hit 104.04, at which time the market walked off a cliff. A major investor had to have sold a major position to cause that type of movement. My fear is the Fed owns so much MBS any time we look to breach into new territory, they could offload bringing us back down. If this is true it seems like it will be very difficult for our market (the..."    View Comment
"That is really interesting... although I am frightened as to what will happen when the deep pockets of the fed wear into holes and their money runs out."    View Comment
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"George I would like to talk to you... let's touch base sometime soon."    View Post
"Loan Scenario View All Post A Scenario Loan State: California Loan County: San Diego Loan Type: Purchase Loan Amount: $1,000,000 Property Value: $1,500,000 LTV: 67% FICO: 750 DTI: 40 Occupancy Type: Owner-Occupied Property Type: Single Family Residence I am a finance broker and understand our lending environment, regardless - NEED STATED INCOME. Any solutions (including private money) will be presented to my client. The above formula is not set in stone, if more money down is required we can discuss..."    View Post
"What State are you in? Your experience with your broker is unfortunate, but that is not to say your current refinance is not salvagable, it may simply be a matter of you working with the right broker. You will want to work with a broker because the chances of you finding a direct lender that will offer you an approval is unlikely. To make this point, I work with approximately 80 different wholeslae lenders.... out of that group perhaps 5 are offering financing solutions for you... it would take an..."    View Post
"You are not committed to worth with either lender at this point in time, all work completed to date should be preliminary and not have cost you anything, although I do not recommend flipflopping lenders. You should choose a lender and work towards closing period... flipflopping will cause unnecessary delays, and complications, compromising terms and frustrating everyone involved including yourself. It is a prescription for misinformation as the two lenders will most likely quote different rates and..."    View Post
"You may be able to refinance even though you owe more than you home is worth. New programs for Fannie and Freddie, allow people upside down to refinance their first mortgage. To qualify for this, your current loan must be serviced by either Fannie Mae or Freddie Mac. Call your lender to find out if the loan is serviced by Fannie or Freddie... if it is you have hope for a refinance. I would not recommend a loan modification unless it is the only option available to you, and the modification locks..."    View Post
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