AngryBMW

Wow. Do the math...in the evening hours she used the equivalent of 3.47 DAYS of straight talk time. Mix that with the texting...that's incredible. Wonder what will happen when she starts driving... -Marc edit* I also use my phone all day for business, and my talk time is around 3k minutes and 2-4k texts.

Girlfriends family has a 2004 F250 with the v10...reliable as fuck. They use it to pull a rather large horse trailer and haul all the necessary horse items (tons of feed, lumber, etc) and it runs like a champ. These people are NOT car people so I'm sure it has been neglected and it doesnt make a sound of protest. 80,000 hard miles. The only complaint, as everyone else has said, is shitty MPG. I'd buy one in a hearbeat if I needed that much of a truck. My f-150 with the 5.4l is more than enough truck for towing cars, bikes, boats, etc. -Marc

Are you ready to refinance?? Email or call me. -Marc

Except herpes. That shit comes back with you. -Marc

The more the merrier. Quotes are free so please do not hesitate to contact me on this. Thanks, -Marc

Also, just because the fed promised to keep rates low do not put off taking action. Remember that 'low' is a relative term. Low to us in the past 5 years is now. Low to 10-25 years ago is still 10% fixed. A good interest rate on a home in the 80's was below 15%. Apples to apples. -Marc

It spiked the day after the announcement but has come back down and is holding steady. I have 2 answers: -Short term...won't affect rates. Short term is the next 12-24 months. -Long term...if it is not corrected...rates will rise. A lot. As will inflation. If you own a home currently and have a higher than what I posted rate...I would seriously advise a strong look at a refinance. Forget the short term monthly savings. Look at the long run, and what your plans are for the home. If you are looking to buy and have the means...their is no better time than right now. -Marc

Can you not go Conventional? Tell me why you want to go FHA. Feel free to email me the specifics about your situation at mstock@usavingsbank.com so we can discuss it privately. Thanks! -Marc

We have our own internal appraisers and contracted appraisers...over 80 companies that we regularly do business with. Why do you ask? -Marc

Great. I will be in the office for awhile tomorrow so I will look for the email. -Marc

No email received? Try again to mstock@usavingsbank.com or try my phone at 614-339-1206. Thanks! -Marc

I'm down to 4.250% fixed for a 30yr mortgage... -Marc

Your "partner"?? Sounds so cold... -Marc

Conventional Refi's are slightly less expensive. Purchases are $500 + county recording + courier. Are you looking to make a purchase? Do you need a letter or pre-approval? Feel free to email or call me tomorrow, or send me some contact information for you and I will get in touch. Thanks! -Marc

No fee for not escrowing. I HATE escrows, and will try and convince every client against it if possible. Total cost varies from situation to situation. Best case scenario with a low LTV and middle credit score above 740 would be $250 up front (covers appraisal, credit report and flood cert) + $100 (or less depending on county) for county recording + $35 for courier. If you would like to discuss hard numbers on your situation, feel free to call/email me. -Marc

No, absolutely not if your LTV (loan to value) is equal to or less than 80%. I would be more than happy to discuss further at your convenience. Feel free to shoot me a call or email tomorrow. 614-339-1206 or mstock@usavingsbank.com Thanks!

Hello All, I wanted to make everyone aware that rates have dropped, and I can refinance any type of loan (conventional, FHA, VA, etc) at incredibly low rates with incredibly low closing costs. On our internal products, we DO NOT charge title insurance, and have a set, flat fee. On FHA products, I can typically close you with next to no closing costs as well. Please see my thread in the sponsor section for more details, and please do not hesitate to contact me directly. http://www.columbusracing.com/forums/showthread.php?p=1416677#post1416677 I have closed a few deals for CR members and have a few more in my current pipeline so they can attest to the low costs and great service. Hopefully I can help a few members out before rates jump! Thanks, Marc

So, as our economy tanks we can at least take advantage of some of the lowest mortgage rates in history. Currently, I can offer with a conventional product: 3.500% FIXED for 15 years 4.250% FIXED for 20 years 4.375% FIXED for 30 years Remember that rates can change daily, so the sooner we act the better. For qualified borrowers, our closing costs on these products are $250 for application, $100 for county recording, and $35 for courier. Of that, you will only pay the $250 which I will credit back to you at closing. FHA I can go as low as 4.00% FIXED for 30 years and 3.50% FIXED for 15 years. I also have RD loans and VA loans available and offer first time home buyers programs that will require you to bring as little as 1.0% down. Please feel free to contact me directly at: 614-339-1206 office mstock@usavingsbank.com Thanks for looking. -Marc Stock

They are complete piles of shit. Just drove a 2012 with 32 miles on it and was disgusted with the build quality. Rattled and creaked at every bump, transmission hesitated a lot, windows struggled to go up and brakes felt like shit. Even the stereo sucked balls. I don't care if it's 15k brand new...it was a joke of a vehicle. I cannot believe they are selling well. -Marc

No CR Sticker?? -Marc

Get off CR and enjoy Italy/honeymoon sex. Faggot. -Marc

Are you accepting resumes? -Marc

I'm comfortable where I am, and am very good at my job. But, like you, I don't know if this is what I want to do for the rest of my life or even if the industry will be able to support my desired lifestyle (fucking mortgages). I turn 26 in August and really don't know what I want to do. I love the banking industry, I love sales, and I love golf. Seem's like I will be a banker to some degree, I just don't know what. Growing up sucks. -Marc

$50 for the Bulova? -Marc

Is it just me, or is only one pic working? -Marc