Wulaw Horn
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Wulaw Horn last won the day on September 11 2021
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All Encompassing Mortgage and Real Estate Thread
Wulaw Horn replied to UTPhil2006's topic in Business and Markets
Are you of the opinion that Fannie and Freddy are Coke and Pepsi? Do you realize that the pricing spread between the 2 is like 3 or 4 bips and has been that way for decades at a time? And it takes about 50 bips (more or less) to move pricing 1/8 of a point to the end consumer of the mortgage? That spread differential if it loosed a little or tightened a little would be worth less than $1.00 a month to the consumer. -
All Encompassing Mortgage and Real Estate Thread
Wulaw Horn replied to UTPhil2006's topic in Business and Markets
We don’t even know that yet. First- Texas has to make 9-3 (that was always a hypothetical) 2nd, that was predicated upon close game with Georgia. 3rd- it’s still on the table. 4th- said likely not certain. The week after I wrote that the predictors had us 75% in with 9-3. I said 64 or 70. It wasn’t wrong as the hypothetical though exercise it was meant to be. the reaction I had after game 1 was very very very very very wrong. That’s worthy of all the mockery and ridicule. -
All Encompassing Mortgage and Real Estate Thread
Wulaw Horn replied to UTPhil2006's topic in Business and Markets
He said stupidist motherfucker not unethical as shit. There’s a huge difference between the two and I wouldn’t have responded to unethical. I go to private events with top level analysts that have political connections across every admin. I worked lobbying during 23 and 24 for a damn good bill for consumers and talked to people in both parties about housing issues. I’ve heard 4 different people from different organizations (2 lender political analysts, 1 vendor and 1 lobbyist) be very happy with where housing is going. Is Pulte 100% responsible driving that bus? No. I’m sure not. Was anyone anything but happy about the direction of where they are going this year? Absolutely not. -
All Encompassing Mortgage and Real Estate Thread
Wulaw Horn replied to UTPhil2006's topic in Business and Markets
There is literally nobody that you’d be happy with in this administration your politics make it impossible. He’s got smart people like Barry Habib working on LLPA’s that the Biden admin fucked up to all shit by trying to make it a giveaway to shitty credit score borrowers who don’t buy conventional anyway while making it more expensive for people that have virtual no risk associated with their loans, and you have guys like Ishbia who only runs the largest and most successful lender in the world clearly on this speed dial and singing his praises and saying they are being super proactive and doing good stuff. I only look at this shit every day. But sure- I’d rather hear you opinion on it bc it’s designed to absolutely not be politically slanted to absurdity. I know rates are down some and they are doing some smart stuff tomorrow the spreads back to historical norms that got way out of whack over the last couple years. I bet 2026 is a banger. I’m planning on that being the case for me anyway. I’m up 20% in units and 25% in volume and finishing up a record year. It’s not the easiest market we’ve ever had or anything but it’s a damn not better than 23 and 24 were. Or even most of 2022 when it got ugly in a hurry. -
I meant in the theoretical sense. If you get that close anything can happen. But yeah- I get your point.
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Sure. Does it even matter though? I mean, kind of but not really.
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I wouldn’t. But I’d have told me to.
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2 things can be true at the same time, as hard as it is for lots of people to understand that concept many a time. Here’s mine as it relates to this team: 1) Steve Sark is a good coach that I like, respect and root for; and 2) If he wants to go to the NFL I will happily pack his bags for him and drive him to the airport. we’ve had much worse coaches. Hell, most of the head coaches at Texas have been worse. Texas, in an era where you pay players and we have the biggest swinging wick out there should be a pretty easy job. But, it’s not a job that you can do well with half measures. If Sark wants an NFL job he needs to do that totally and completely and I hope he gets one bc I don’t want him here with one foot in and one foot out. If he doesn’t, he needs to completely and totally rededicate himself to getting it right. I will happily keep PK, Nansen and the stripper/monkey owner. Everyone else can probably GTFO. Actually, Milwae might be fine to stay at QB coach and confidant on offense for sark. Whatever. I’m indifferent toward that. Flood with his “large humans” schtick? GTFO. Akina wrecking the back end? The game had passed him by in 2013 to say nothing of 2025. RB and WR are newish but their rooms are both steaming piles of shit. Bye bye to you too. Teams that I know have better coaches than Sark: Ohio State, Indiana, Domers, Georgia, Bama (but I don’t think he’s long for there- right guy for right place matters), Fox Noon Big Game Day show analyst. teams that I suspect might: Aggy (don’t want for Texas but he’s a good coach), Ole Miss. Can Sark win a national title here? Sure. We were 1st and goal from the 5 away from OT with 3 minutes left against the national champs last year. The year before we were first and goal from the 9 away from the championship game. Will he? Not if he isn’t fully committed and locked in. Go beat arky and Aggy and hope that OU, Domers, Ole Miss, Michigan, BYU, Vandy, Bama, Utah and USC lose. Does it matter though? Beat arky and Aggy bc it’s fun in and of itself to go 3-0 against your rivals, I guess. Hook Em high like an Eagle soars.
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That’s generous. You should make me send it to crimson and cream or something.
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I owe him 1k. PM me your Venmo.
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Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Wulaw Horn replied to Wulaw Horn's topic in Football
Sark has called a good game. This one ain’t on him other than assembling a team of retards. -
Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Wulaw Horn replied to Wulaw Horn's topic in Football
14-10 Florida. Keep hope alive. -
Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Wulaw Horn replied to Wulaw Horn's topic in Football
Uh oh Florida Ole Miss. there’s shit still left to happen yall. -
Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Wulaw Horn replied to Wulaw Horn's topic in Football
Except bama best Georgia but yeah. Agreed. Ole Miss could also lose the egg bowl. If we go 9-3 beating Georgia we have like 14 low probability games and need one to go our way. -
Holy shit you dipshits: 9-3 Texas is probably in the playoffs
Wulaw Horn replied to Wulaw Horn's topic in Football
Auburn is a rivalry game. Their DL is really good. Bama is incapable of running. Domers could lose. None of that is likely.
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