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November 28, 2007
Re: Nov. 22- MORTGAGE BROKER NEEDED (AND A CERTAIN POSTER'S IGNORANCE CONTAINED THEREIN)
I knew it would happen sooner or later... Something to wake me from my "blogging slumber" (a desire to comment/offer insight on relevant topics). It's been a while as it had truly become an exercise in painful, and sadly, worthless futility. But then there are the completely CLUELESS, utterly MISINFORMED, stunningly UNEDUCATED posters who raise my ire to a level which simply can no longer be contained. And the winner is...: YSABELLE!
I have recently suffered through some of your absolutely incoherent posts over the last couple of days, all the while waiting for somebody else to completely blow you out of the water and expose you for the FRAUD that you are. Some have come close to doing so, despite your pathetic attempts to "reconcile" or "rationalize" the drivel you spout. Make no mistake dear- IT IS ABSOLUTELY, 100% ILLEGAL for a mortgage broker to pay points to a RE broker in "exchange" for a "referral". It's called a KICK-BACK, and if you had any clue as to precisely what that means, you would do well to keep your BLINDLY IGNORANT comments to yourself. What is a KICK-BACK you ask Ysabelle? Glad you asked! Read the following culled from an article in the Real Deal not too long ago addressing this very issue:
"Kickbacks from mortgage brokers are the payments that real estate brokers demand before they refer their buyers to the mortgage broker for a mortgage, after or even before the client has decided to buy the property. Those requests are ILLEGAL, but they are rising because of the slackening demand in mortgages across the region, said some in the industry."
I could go on but hopefully you've got the point (a stretch I know...).
You've either got too much time on your hands, really are that stupid, or all of the above to attempt to comment so "decisively" on a topic you clearly know absolutely NOTHING about. Save us all (those who have an clue) some time and get lost!
By the way, the article can be found in the Real Deal:
March 2007
"Mortgage kickbacks on the rise"
Slack demand, consolidation increasing illegal practice
Always glad to shed some light... Even for folks like you Ysabelle.
Comments
When did something being illegal ever stop mortgage brokers from doing it?
Posted by: guest at November 28, 2007 2:17 PM
Blogs = Opinion!
Opinions are not necessarily based on facts but might contain "truths". Why are you angry that someone got some facts wrong?
There are people using Brownstoner to find legitimate answers to fix their house related problems.
There are people using Brownstoner for cheap therapy and to remain anonymous as they snipe off pedestrians from the trees, my personal comfort zone, guilty!
This is a form of entertainment folks- despite the forums well intentioned mutual information exchange, its the new TV.
Don't be lazy, do your own research. And if you're not sure about your facts, don't post!
Bake some cookies, you'll feel better. Now, back to work!
Posted by: guest at November 28, 2007 2:35 PM
You fell off the wagon to trounce the three-legged gazelle?
Posted by: guest at November 28, 2007 2:38 PM
Thanks st marks soul. Ysabelle's idiotic posts drive me crazy more than the What's.
Posted by: guest at November 28, 2007 2:41 PM
Is there a 12-step program for bloggers?
Posted by: guest at November 28, 2007 2:48 PM
2:41- Sooo glad somebody out there gets it! Make no mistake, my intent is not to "prey" on the ill-informed as suggested by
2:38's "three-legged gazelle" comment (???!). Rather I had hoped it would serve to weed out those who have NO BIZ taking up space in a place where those who DO, in fact, know what they are talking about. When this happens, the entire purpose of the forum becomes trivialized and the information (or lack there of) becomes diluted with MIS-INFORMATION, ultimately leading to an OP throwing their hands up in the air and saying "Jeesh-sorry I asked." Entertainment 2:35? How about some educational programming??? When I was a kid I hated being told to watch Channels 13 because I would learn something... Now PBS is pretty much the only thing worth watching. The same should come from here-real questions, real answers, real solutions (and they are out there in the forum to be sure). But let's stop clogging up the airwaves with a bunch of BS from people who would have you believe things that SIMPLY ARE NOT TRUE. That's all I'm sayin'...
Posted by: saint marks soul at November 28, 2007 3:05 PM
switch to decaf. ..who cares what Ysabelle says?
Posted by: guest at November 28, 2007 3:12 PM
Ok its illegal for a RE Broker to receive a commission if he/she refers a client to a mortgage broker. But what if a RE Broker is married to a mortgage broker and refers his/her's significant other? Now technically money probably never changes hands but one definitely can claim that the RE broker benefits from this transaction. And don't say that doesn't happen b/c my husband actually bought a condo in NJ with this exact scenario.
So is that legal?
Posted by: guest at November 28, 2007 3:18 PM
As one who has been occasionally wrong in my opinions (gasp, clutch pearls) - all I can say is get over yourself and stop shouting. Do you do talk like this in person? If someone is wrong, correct them. But who the heck are you to judge who is worthy to post or not? Sure I would prefer that people know what they are talking about. But I don't think that you are going to have much luck in your "purify the forums" campaign. But let me try my own: be nicer, please.
Posted by: Putnamdenizen at November 28, 2007 3:25 PM
2:35 again.
And you don't think this is entertaining?
Wait till it reaches 35 posts, so who started the clogging?
thank you
Posted by: guest at November 28, 2007 3:37 PM
I'm somewhat surprised Putnamdenizen, as you and I have "conversed" and "agreed" in the past on this forum. I don't know if you took the time to actually read the original post/responses, but perhaps you would be well served to do so. This is not a "purify the forum" campaign as such-I humbly apologize if it came across that way. Rather, when one chooses to engage in a debate, (particularly in a manner that suggests condescension), and are CLEARLY wrong, I feel it appropriate to "out" the individual in question. I'm wrong on a daily basis (no need to gasp or clutch pearls-that's life) but you can be sure that if I don't know what I'm talking about, I'm not putting in my 2 cents -at least not in a "know-it-all" kind of way... Sometimes the "nicer, please" route just doesn't cut it-as evidenced by the original post...
Posted by: saint marks soul at November 28, 2007 3:44 PM
I'm amused 2:35 but far from entertained. Worse still- I don't know how to bake... Is that "entertaining"? Send me a recipe (one that won't blow up my house) and I'll get back to you on the "fun factor." Now THAT'S entertaining.
Posted by: saint marks soul at November 28, 2007 3:49 PM
SMS, This is veering way off course,
Please have a sense of humor. . .
This is the BEST Christmas Cookie recipe EVER!
Feliz Navidad Christmas Cookies
1 cup of water
1 tsp baking soda
1 cup of sugar
1 tsp salt
1 cup of brown sugar
Lemon juice
4 large eggs
1 cup nuts
2 cups of dried fruit
1 bottle Jose Cuervo 151 Tequila
Sample the Cuervo to check quality.
Take a large bowl, and check the Cuervo again to be sure it is of the highest
quality, pour one level cup and drink.
Turn on the electric mixer.
Beat one cup of butter in a large fluffy bowl.
Add one teaspoon of sugar. Beat again. At this point it's best to make sure the
Cuervo is still OK, try another cup just in case.
Turn off the mixerer thingy.
Break 2 leggs and add to the bowl and chuck in the cup of dried fruit,
Pick the frigging fruit off floor.
Mix on the turner. If the fried druit gets stuck in the beaterers just pry it
loose with a drewscriver.
Sample the Cuervo to check for tonsisticity.
Next, sift two cups of salt, or something.
Check the Jose Cuervo again jush in case.
Now shift the lemon juice and strain your nuts.
Add one table.
Add a spoon of sugar, or somefink. Whatever you can find.
Greash the oven.
Turn the cake tin 360 degrees and try not to fall over.
Don't forget to beat off the turner.
Finally, throw the bowl through the window, finish the Cose Juervo and
make sure to put the stove in the dishwasher.
CHERRY MISTMAS
Posted by: guest at November 28, 2007 3:58 PM
My dear you have an overactive imagination in addition to poor reading skills.
I never mentioned anything about a kickback.
GET OFF THE HALYCON. It is making you paranoid.
Maybe you are smoking too much pot. The 1960's are over!
This is a public forum .
Thank god I am not part of the nouveau middle class click that participates on this website.
It is interesting how someone's emotions can be so easily manipulated by a silly website.
Sweetie, there is room for everybody in this world including someone as unstable as you.
Posted by: Ysabelle at November 28, 2007 4:07 PM
SMS, 2:35 yet again. I have reread the original post and I owe you an apology. This is between you and ysabelle, plain and simple. Sorry for my flip intrusion. What goes around comes around, yes?
My humble apologies.
Posted by: guest at November 28, 2007 4:15 PM
Now you're talkin' 3:58! THAT'S ENTERTAINMENT ;-) And please allow me to apologize on both of our behalves- I'm sure the ire of serious B'Stoners has been raised here. Sorry folks- just got into some tit-for-tat there for a moment (I know, I know- wrong place for it). As for the recipe, I've gotta run to the market because (gasp, clutch pearls!) the only thing on the list I've actually got in the house is Tequila! Liberally sampling as we speak. You really should come up with a "name" by the way-your sense of humor is appreciated and deserves far more than the ubiquitous "guest" moniker. OH OH OH CHERRY MISTMAS!
Posted by: saint marks soul at November 28, 2007 4:16 PM
Hey 2:35 or 3:58 or whatever the heck your name is- apologies??? None necessary! Banter is good, especially with one who has a true sense of humor and can read between the lines. As for this being between myself and "ysabelle" that's really neither here nor there. It was an attempt to (again) weed out those who have nary of clue of which they speak... and there are far too many B'Stoners out there to suffer through somebody else's misguided attempts at sounding "informed." They'll surface-don't you worry!
Posted by: saint marks soul at November 28, 2007 4:28 PM
AND LOOK WHO'S BACK!
YSABELLE-please do yourself a favor and don't attempt to engage. You will only serve to further discredit yourslef amongst a community which I would like to believe is more than forgiving. Acknowledge your mistake(s) and move on.
This is your quote:
"This is what happens and it is legal....the Mortgage broker gives the real estate broker 6% commission from the total of the loan.
In other words the real estate broker gets 6% from the seller and 6% from the mortgage broker. 12% for practically doing nothing."
THIS IS A KICKBACK.
Here's something else for you to read ysabelle-(I'm guessing they don't float these articles around the RE Offices at Chuck E. Cheese):
Experts say that the incidence of kickback requests increases in neighborhoods with more immigrants, who may not be aware of the illegality of the practice. Indian and Pakistani neighborhoods of Queens, Hispanic home buyers throughout the city, and other ethnic groups are more vulnerable to the system of bribery and unfair market control. The problem magnifies among African-American home buyers, who are sometimes also magnets for sub prime and predatory loans, where higher rates make it easier to mask additional points.
Hmmm...
Posted by: saint marks soul at November 28, 2007 4:35 PM
I have an friend who lives in an apartment in a Brooklyn neighborhood and several of the ladies there have a rent reduction arrangement with the landlord. . .
Is that a kickback or does it only count if you're doing the rental agent?
Posted by: guest at November 28, 2007 5:43 PM
This is an idiotic post. Please stop your ranting saint marks soul....please
Posted by: guest at November 28, 2007 5:58 PM
To 5:43Pm
It is not a kickback if the landlord chooses to give the ladies a rent reduction.
Kickback=Money under the table.
It is a choice that the owner made. it is not the same thing,
Commission= Legal on paper or stipulated in a written contract.
Posted by: Ysabelle at November 28, 2007 6:03 PM
Ysabelle is an uninformed moron
Posted by: guest at November 28, 2007 6:11 PM
Ysabelle it is laughable accusing the OP of poor reading skills when you have awful writing skills.
Posted by: guest at November 28, 2007 6:20 PM
Frankly I just got a huge kick from ysabelle's last post-and I'm hoping 5:43 will as well. There's clearly an "over the head" factor going on here... I much prefer the direct approach (read 5:58 who suggested I was a "ranting idiot"). At least he/she/guest has the wherewithal to call it like they see it. Oh yeah, thanks for clearing things up for me 5:58! Always appreciated... I need that every now and then.
Posted by: saint marks soul at November 28, 2007 6:34 PM
wow. everyone is on fire today.
Posted by: guest at November 28, 2007 6:42 PM
To Saint Marks Soul:
You have the heart of an assassin and the soul of a herring!
Posted by: Ysabelle at November 28, 2007 7:26 PM
Ysabelle and Saint Marks Soul are HOT, HOT, HOT for each other.
Posted by: guest at November 28, 2007 8:13 PM
I'd rather bond with a herring and take my chances with an assassin than further this "exercise". At this stage I'm just hoping you managed to get something out of all of this ysabelle. Whether you're a landlord(?), RE broker(??), mortgage broker(?!), generally curious and/or a concerned citizen/resident of Brooklyn(:-), or whatever-please, in the future, learn about what it is you're trying to school people on-or you will be schooled. Period. There is a wealth of information out there that you could access as easily as you do this forum that will assist in the "education process".
Posted by: saint marks soul at November 28, 2007 8:16 PM
Ysabelle, shut it.
SMS, you have been the voice of many in raising this issue.
Posted by: guest at November 28, 2007 9:01 PM
I am having a hard time removing the mental image of Putnamdenizen "clutching pearls" from my mind. Anyone know if the silent paint remover would work in cases such as this?
Posted by: guest at November 28, 2007 9:25 PM
Wow. This is truly strange. Anonymous person(s) conversing with themselves.
Posted by: guest at November 28, 2007 9:31 PM
Have to agree with 9:01. Ysabelle go away.
Posted by: guest at November 29, 2007 6:46 AM
9:25 are you referring to using paint removal to unclench my fists from the lovely pearls I metaphorically wear around my neck when confronted with idiotic Brownstoner threads (to which, alas, I contribute)? Or paint removal to remove this thread?
Posted by: Putnamdenizen at November 29, 2007 3:48 PM
This is way have a love/hate relationship with Brownstoner.com. As much as i get annoyed by some of the crazed comments made on this sight...you guys are thoroughly amusing...
3:25 ... "gasp, clutch pearls" I love it!
ClintonHillLady
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