AngryBMW

Even though this guy is a complete douchecanoe...I'm sticking with my original vote. We cannot ban people for having a different opinion and voicing it. -Marc

760+ on your middle credit score and you are true top tier credit regarding mortgages. 740+ is not the real 'bottom line' credit indicator if you are going to have PMI. The PMI rates are different depending on your score and loan to value. If you put 20% down, then 740 is the 'best' and anything above that is a perk. I can give you the same fixed rate if you have a 650 middle as I can if you have a 750 middle credit score. The difference is going to be your loan level price adjustment which is based on loan to value and credit score. Regarding open lines and maintaining your high score, there are a lot of different factors to consider. As you mentioned: number of open lines, lines with balances, length of time, and type of line. For the FICO, your score is made up of the following weighted items: 35% payment history, 30% available credit, 15% length of history, 10% type of credit,10% inquiries. I would NEVER suggest closing your oldest credit card. I do suggest trying your best to keep your balances at 50% or less of your limit if at all possible to maintain high scores. I also suggest using at least one credit card per month to keep the line active. If you have an old credit card but never use it, it will eventually go dormant and not report even though it is open. Buy a tank of gas each month with your oldest line and pay it off before interest is accrued...you will see the positive results. For anything other than a mortgage, which is the hardest and most in depth credit pull you can have, a 740+ score is going to be considered 'excellent' by anyone completing the financing. Hope you find this helpful! -Marc

Hello, Jerrad. -Marc

10/10...will read again. -Marc

Any interest in selling the deck on its own? -Marc

Define cheap and what you are looking for...I may have something in your wheelhouse. -Marc

Thanks Anthony! I am very glad I was able to help you purchase your dream country home! Looking forward to the housewarming party and bonfire! -Marc

I know you were joking and I didn't mean for my comment to make it seem like I believe any conspiracy theory that Obama had him killed. I was simply stating that I think it is quite classless for Obama to NOT attend his funeral. It will be 60* and sunny tomorrow...I'm sure he will be golfing From the White House Press Secretary: "...in fact, what the president thinks is appropriate is respectfully paying tribute to high-profile patriotic American citizens, even when you don’t agree on all the issues. And that’s what he’s going to do." Oh yeah...he was certainly respectful and appropriate when he did NOT attend the funerals of Chris Kyle, Nicholas Oresko, James Foley, Harold J. Green... Oh well. He's the man. -Marc

VIP Entry. See you there. :marc2: (yes...I hate typing that emoji) #youreracist But really; if Obama died today I would be sad for his family over the loss of his life but not for the loss of his 'service'. I certainly would not celebrate his death...like our new favorite member. I mean...Obama is so classy that he is not going to the mans funeral... Thank you for picking up what I was putting down! Your hair is amazing. xo It's getting harder and harder to keep up this hope... -Marc

I'll be in yo face for realz on Saturday. Don't try to kiss me this time. -Marc

You have got to be fucking kidding me. You stir the pot and try to fight with members on here, defending and martyring the deaths of people that do not deserve your efforts, yet CELEBRATE the death of someone considered by many to be "one of the most influential judge(s) of the last quarter-century"?! Because what, you met the man for 45 minutes and he presumably disagreed with your over-opinionated self?! I shouldn't be terribly surprised; you are the same asshole that assumes anyone that wishes others Merry Christmas as opposed to Happy Holidays is a 'presumptuous bigot'*. You make my head hurt. -Marc *At least I know how to spell the word properly.

I'll give a free appraisal if you finance with me... Beautiful home...great seller...I'm sure this home is top notch. Tilley, let me know if you want the hook-up on a title company for when you do sell. Should save you quite a bit in title charges. -Marc

Man up. Go burn his house down*. -Marc *obviously I'm fucking kidding...

Cheater! -Marc

n00b. -Marc

And then there are those of us that have an extremely strong knowledge of economics, historical and current, that take your often high-handed and insulting posts as simple fluff and choose to ignore you. -Marc

:thumbup: I am also dating a nurse and have nothing bad to say other than her hours suck. Any woman can be crazy...I certainly wouldn't say only nurses are crazy. -Marc

Nurses/NPs/PAs. You work at a hospital, right? GO CLEAN UP** -Marc **Probably best if you do so NOT at your primary hospital. Dipping your pen in the company ink can get messy...as I'm sure you know.

Well played. Be sure to thank her doc for work well done! -Marc

No pics of DDs? h8r -Marc

That is so fucking annoying. I'd say try listing it yourself first. If it doesn't sell in a month (I'd be shocked) then pursue a list agent that isn't going to hose you. I'd be happy to hook you up with a few realtors to interview. -Marc

I'm sure her roommate (grandma) watches them when she's out cock-trolling. At least that's what she told me. -Marc

:bangbang: I actually don't really have anything bad to say about NLC. From what I understand they do a pretty decent job...I just know what I can offer and feel it is superior. I also very highly feel that banks > brokers in every way possible. ANYWAYz...back to non-thread derailing... -Marc

Glad to be part of the 10%. I'm well versed in NLC's products and stand by my statement. I know a few of the local guys in Columbus and there are more than a few reasons I am where I am and work for the number one mortgage lender in every region we are in. -Marc

Get out of this thread. Racist. PS - you still need to refinance. -Marc