Royal Caribbean Cruisers -- How Are Things Where You Are? (was "Routine" ​ 😁 ​day in lockdown... how was yours?)

[mo&fran]

2 minutes ago, BonTexasNY said:

Doesn't Mother Nature know it's just plain cruel to make it snow mid-April???

Yes.

[reallyitsmema]

I rescued the flowers. They are now watching the snow from my kitchen and are bouncing back nicely. 

 

 

[John&LaLa]

21 minutes ago, island lady said:

 

Indeed....much better smell!  😉 

 

Hops and yeast driving through Soulard in St Louis. Anheuser Busch brewery location.

[John&LaLa]

23 minutes ago, bobmacliberty said:

 

Fully agree.  We did not make our offer contingent on financing and were prepared to pay cash.  I think that's what separated our offer from others.  Less stress on the sellers knowing that they don't need to wait on buyer financing.  Still, we took out a mortgage.  At the current rates, I can earn a lot more by leaving my money invested elsewhere.  I sent everything that my mortgage company requested within 24 hours, and I still got a lot of last minute, seemingly redundant requests for more.  They also gave me the impression that they were doing me a favor, rather than working to satisfy me the customer.

 

Oh well, all done now.

 

Yea, no offense to Sunshine, but underwriters to me are as popular as lawyers. 

[mafig]

39 minutes ago, island lady said:

 

Indeed....much better smell!  😉 

I had a summer job at M&M Mars in Hackettestown, NJ.  All the candy you could eat!🙂

[island lady]

51 minutes ago, John&LaLa said:

 

Hops and yeast driving through Soulard in St Louis. Anheuser Busch brewery location.

 

Visiting the wineries during crush.  😉  🍷

[island lady]

53 minutes ago, reallyitsmema said:

I rescued the flowers. They are now watching the snow from my kitchen and are bouncing back nicely. 

 

 

 

Aww...pretty!   Happy they made it.  Waiting for another spring day.  🙂 

[island lady]

37 minutes ago, mafig said:

I had a summer job at M&M Mars in Hackettestown, NJ.  All the candy you could eat!🙂

 

That is as dangerous as working at Baskin Robbins.  😄 

[mafig]

Just now, island lady said:

 

That is as dangerous as working at Baskin Robbins.  😄 

It was all the candy you could eat while on the job.  You weren't allowed to take it home (without paying a discounted price).

Actually after a few weeks the novelty wore off and no one ate that much.

[DaniDanielle]

We are torturing ourselves in Atlantic City again!  They keep stealing our money🤪We are officially started to celebrate our 50th anniversary starting today until the 24th.  Maybe they will give us some of our money back🙏

[bobmacliberty]

1 minute ago, DaniDanielle said:

We are torturing ourselves in Atlantic City again!  They keep stealing our money🤪We are officially started to celebrate our 50th anniversary starting today until the 24th.  Maybe they will give us some of our money back🙏

 

Best of luck.  What is your preferred casino in AC?  It's been several years since I've been there and I think it has changed quite a bit.

[Sunshine3601]

2 hours ago, John&LaLa said:

 

Actually, it's all the 11th hour crap that's annoying. Never ends 

 

#cashisking

Yes, sometimes one document leads to another question or document that is needed.    Believe me it's annoying to me if I have to pick up the same file 3 or 4 times because there is a problem.     We Try our best to only look at files 2 times - once at initial stage for issuance of the mortgage commitment and final underwriting for clear to close.   

Re timeline,  Appraisers in some areas are taking 2 to 3 weeks to send us their  inspection reports due to high volume.   title companies typically take 2 to 3 weeks to send us their docs  so if you have a 30-day contract that gives the lender a very little window of having everything that is needed for Underwriter to do their final review.    Hence the reason for asking for something at the 11th hour.  

You might be surprised how many borrowers try to hide stuff and that doesn't help either.     I should write a book about all the stories I have seen and heard.   Probably someone has already done that

 

 

[Sunshine3601]

5 minutes ago, DaniDanielle said:

We are torturing ourselves in Atlantic City again!  They keep stealing our money🤪We are officially started to celebrate our 50th anniversary starting today until the 24th.  Maybe they will give us some of our money back🙏

Stay indoors the boardwalk will be freezing cold wind today I hear.      Happy early Anniversary.   I have a good feeling luck will be on your side soon.🤩

[Momof3gurlz]

3 hours ago, A&L_Ont said:

 

 

 

We now need to add the 🤮 emoji to the list of responses.  What day were the pavers going down?

They’re being delivered Monday, not sure if they’ll start them that day or Tuesday. 
This was the final result. Just rain now. 
“Go home April, you’re drunk”🤣

[BonTexasNY]

2 hours ago, mafig said:

I had a summer job at M&M Mars in Hackettestown, NJ.  All the candy you could eat!🙂

When I was a young kid I honestly thought they were really made on Mars. 

[dani negreanu]

1 hour ago, DaniDanielle said:

We are officially started to celebrate our 50th anniversary starting today until the 24th.

 

Marietta and Charlie,

 

🌷 Happy Golden Wedding anniversary 💐

[BonTexasNY]

1 hour ago, DaniDanielle said:

We are torturing ourselves in Atlantic City again!  They keep stealing our money🤪We are officially started to celebrate our 50th anniversary starting today until the 24th.  Maybe they will give us some of our money back🙏

Have a wonderful, happy 50th anniversary. 

[grapau27]

2 hours ago, DaniDanielle said:

We are torturing ourselves in Atlantic City again!  They keep stealing our money🤪We are officially started to celebrate our 50th anniversary starting today until the 24th.  Maybe they will give us some of our money back🙏

Marietta and Charlie.

Very best wishes to you both on your Golden 50th wedding anniversary.

Graham & Pauline.

[Momof3gurlz]

3 hours ago, DaniDanielle said:

We are torturing ourselves in Atlantic City again!  They keep stealing our money🤪We are officially started to celebrate our 50th anniversary starting today until the 24th.  Maybe they will give us some of our money back🙏

Wow! Congratulations & Happy Anniversary.  Also, good luck at the casino. 

[TravelGirlinDallas]

5 hours ago, mafig said:

I had a summer job at M&M Mars in Hackettestown, NJ.  All the candy you could eat!🙂

The M&M Mars factory in Waco, TX was near my apartment when I was in college at Baylor. Whenever they were making Skittles or Starburst, the scent of the flavors blended together made the air nearby smell like blueberry muffins. 

[Sunshine3601]

5 hours ago, John&LaLa said:

 

Yea, no offense to Sunshine, but underwriters to me are as popular as lawyers. 

It is a shame that us Underwriter's get bashed when really it is the Loan Officers that do the poor job of communicating of what is needed and what to do and not do.   Underwriters are not allowed to speak with the borrowers.    My branch has about 30 LO's and majority are excellent and know exactly what is needed and it's one touch and done with their loan files.   

Other LO's are clueless and give me crappy files that I have to review numerous times and tell them NO you didn't get what we need.   Then you end up with a borrower that is upset and the LO's will always blame it on the Underwriter.   The crappy LO's usually move from job to job a lot.   

Always best to go on nmls consumer access website and look up your LO to see their job history.   The good ones usually don't change jobs on a regular basis.

[reallyitsmema]

3 minutes ago, TravelGirlinDallas said:

The M&M Mars factory in Waco, TX was near my apartment when I was in college at Baylor. Whenever they were making Skittles or Starburst, the scent of the flavors blended together made the air nearby smell like blueberry muffins. 

 

I lived down wind from the Atlantic Gelatin Co. when I was growing up.  Somedays you would smell raspberry or orange or other fruity flavors or butterscotch when they were making puddings.  Other days, it was just nasty smelling when they were making plain gelatin.  There used to be lots of PETA protests there.  The site was closed in sold off years ago but now has hazardous materials leftover and is a DEP site that has to be cleaned up.  Makes you think twice before eating that bowl of Jello. 🤢

[John&LaLa]

3 minutes ago, Sunshine3601 said:

It is a shame that us Underwriter's get bashed when really it is the Loan Officers that do the poor job of communicating of what is needed and what to do and not do.   Underwriters are not allowed to speak with the borrowers.    My branch has about 30 LO's and majority are excellent and know exactly what is needed and it's one touch and done with their loan files.   

Other LO's are clueless and give me crappy files that I have to review numerous times and tell them NO you didn't get what we need.   Then you end up with a borrower that is upset and the LO's will always blame it on the Underwriter.   The crappy LO's usually move from job to job a lot.   

Always best to go on nmls consumer access website and look up your LO to see their job history.   The good ones usually don't change jobs on a regular basis.

 

In my opinion that is the problem. 

Communication. The old elephant game.

 

And yep, more requests from the Loan Officer today on behalf of the underwriter. Now they are harassing him about his savings account and an $80K cd he opened in March 2020 and added to his savings account in April 2021. 

 

Not to mention the heartburn over the savings account he used to buy the CD. It was a minors account set up by his mother 15 years ago and was the account he used while in the navy and unable to access Wells Fargo at sea.

 

I get they want a paper trail, but he explained all this 6 weeks ago. 

 

 

 

 

[Arzeena]

4 hours ago, DaniDanielle said:

We are torturing ourselves in Atlantic City again!  They keep stealing our money🤪We are officially started to celebrate our 50th anniversary starting today until the 24th.  Maybe they will give us some of our money back🙏

Congratulations! 🥂

[Ourusualbeach]

12 minutes ago, John&LaLa said:

 

In my opinion that is the problem. 

Communication. The old elephant game.

 

And yep, more requests from the Loan Officer today on behalf of the underwriter. Now they are harassing him about his savings account and an $80K cd he opened in March 2020 and added to his savings account in April 2021. 

 

Not to mention the heartburn over the savings account he used to buy the CD. It was a minors account set up by his mother 15 years ago and was the account he used while in the navy and unable to access Wells Fargo at sea.

 

I get they want a paper trail, but he explained all this 6 weeks ago. 

 

 

 

 

All this talk of the issues in buying a house makes the same process seem so simple up here north of the border.