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Wulaw Horn

Burnt Ends
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Everything posted by Wulaw Horn

  1. Wulaw Horn
    We are 3-1 when I get to watch on TV. Was out of town for the Yankee sweep and the Royals sweep. I’m going out of town Tue-Thursday- prepare your bets accordingly.
  2. Wulaw Horn
    See. Now go win again tomorrow.
  3. Wulaw Horn
    Cy Blanco got the ball today. All is well with the world. First day of the rest of our lives.
  4. Wulaw Horn
    Insert joke about your mom. Fill it in however is funniest for you.
  5. Wulaw Horn
    Some people suck. 1/8 of a point is a lousy jump off point man. I don’t blame anyone over 1/4. What sucks is they probably shopped your deal over to them and told them beat by 1/8 and we are good. Which/ cool- of you know you are going the lowest route go the lowest route and get with them from the word go, don’t go get everything sorted with you and get white glove service and then fuck you in the ass over a couple bucks. I mean, I’m sure there’s people on here that will consider what they did to be perfectly right and justifiable, but it’s a really shitty way to live and for your sake I hope they get fake cancer and die.
  6. Wulaw Horn
    I"m not actually going for the reverse jinx. I'm just trying to condition myself to this mindset and not worry about rate at all making my life easier b/c the hope is killing me. Kill all hope and just deal with the suck and figure it will put more people out of business, get more market share and create a bigger refinance boom and more robust market when things finally break loose. Have to embrace environment instead of pining for a different one. Trying to find reason for optimism or a good step forward.
  7. Wulaw Horn
    That was me!
  8. Wulaw Horn
    This is going to be so funny when we get a 50 basis hike in July. I'm here for it baby. I'm tired of waiting expectantly- just lean into the suck. The ride will be that much more glorious on the way back down. Yeeeee haaaaaw.
  9. Wulaw Horn
    Bregs starts like shit every year and ends up a 4 WAR player. Same as it ever was.
  10. Wulaw Horn
    Look at the lineup. They are performing 20% better than average and that’s what you’d expect for the year/ that’s really good. The sequencing will come. we’ve got a bunch of guys that we know are good on the IL right now that should come back, and are getting good stuff from some guys that are surprising. It will be a really good staff. I’m not worried about what everyone though would be the best back end of the pen in baseball 2 weeks ago. it’s fine. This year. I’m nervous in the intermediate to long term because no Luhnow.
  11. Wulaw Horn
    Burn baby burn. Started the day up 14! Now down 10 with a reprice for the worse. Let’s see how shitty we can get. Bring back 8 like we saw in October for a bit.
  12. Wulaw Horn
    Weather delay and late start. Will be a shitshow there. also- yall are being silly. This is a good team w good team that has things going against them right now. we will be fine.
  13. Wulaw Horn
    Also when they sell they have appreciation from their purchase and plenty for downpayment, obviously.
  14. Wulaw Horn
    Work with a couple agents at the 1.5-2M price point occasionally. 50+ percent of their deals are cash. Anecdotal, but yeah/ less rate sensitive the higher you get.
  15. Wulaw Horn
    For sure. Had 2 that weren’t locked and just too exposed. the bad news is I was going to roll my entire October pipeline (5 loans but still) into a refinance after the 6 payments had been made. This 1/4 point loss doesn’t help that. Not all the doors I’ve been knocking on. It’s not really about the lousy day it’s about putting a nail in the idea of a Refiance boom this summer/fall. Looking like winter at earliest. that means a bigger boom later with less originators around to share it, the philosophical side of me says, but most of me is like fuck that shit- let’s do this now.
  16. Wulaw Horn
    78 points down as I type. auction graded a D- !
  17. Wulaw Horn
    That’s a kind reaction compared to the 10 year and the mbs market.
  18. Wulaw Horn
    The good news is it’s probably not a hard fix and you just call up Loperfido in May/June if it doesn’t fix itself. Probably.
  19. Wulaw Horn
    No doubt. 58% of the people that started 1/1/2022 are gone.
  20. Wulaw Horn
    Last year through April I’d closed 10 des. This year through April I will be at 40. There’s absolutely nothing helpful about what’s happening though, other than people are being jettisoned out of the market as far as originators go. Hope to hold onto- if you can make it through this (and it will turn at some time) it’s going to be fucking glorious on the other side.
  21. Wulaw Horn
    Ha. Mbs market down 53. Wonder if we will be down 100 today? Burn baby burn.
  22. Wulaw Horn
    Inflation come in super hot today? I had 2 deals not locked ( not mine but my mentees) because we were waiting on her cup points so I assume today we will lose about 50 in the mbs market. rise and shine originators and people looking to buy a home- it’s time for your daily kick to the junk!
  23. Wulaw Horn
    For sure, except I'm building, not buying. Ah. Missed that part. Carry on.
  24. Wulaw Horn
  25. Wulaw Horn
    This shit is not helping me with my effort to move. Here's to 2025 cuts! Buy now when you can get a deal. Get a free 1/0 buy down. Ask the sellers for a 2/1 buy down. Refinance later. Boom.

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