Wulaw Horn

Yep. As soon as you lock it they are talking to everyone else every time the market improves even a hair.

Look forward to seeing measurements for the fat Mizzou kicker.

Checking in with 5 clients floating right now. Also- I had 11 guys lined up to refinance after knocking on doors and the like when the market got there (it was there for one day after Ishbia came out with the Refi 100 program. So, uh, yeah, feels like I'm never closing another one again. I'd have locked them all but we had over 45 days on 4 of the 5 and a 60 day lock is just such a beatdown. As long as it doesn't run directly away from you and never get better you are better letting it ride. It will get better, right? The 5th one is within a dollar of qualifying if they take the worst case look at the file so he needs a certain rate- but that's gonna cost him more than he wants. If they take a best case look at the file I can move him up 2 or 3/8ths of a point, he won't owe any points and we will just be half way to the refinance we were already planning for first of next year, so- it's not all bad, but it's got the potential to be really fucking bad if we keep getting reprices and losing 60 points in a day or 70 over a 2 day period. Fuck everything associated with this last 10 days. Such a tease. Looked like things were going to get markedly better. It's not as bleak as last fall, but it's certainly not what you want going into the selling season.

Down 50 now. 2nd reprice for the worse, same song, different verse, a little bit louder and a little bit worse.

Episode 49 of the Breathing Orange Fire podcast is up. Andrew rants about Super Bowl announcing and then talk what’s at stake in the Astros spring training battles.

Not freaking great. Inflation came in hotter than expectations. Ugh. Nothing positive going on. We are down like 150 bips since Ishbia did his refi 100 program. boooooooooo.

I’d be fine scheduling tech 2 for 1 in 20 years or something like that. Basically what we used to do with Arkansas.

Thanks man. And yeah/ that’s the math if you didn’t kill demand at that price point. Which you absolutely would. to get to the numbers they are at currently you just have to have people paying for the product that aren’t using it.

Nah. Streaming is a losing proposition. We did a podcast on why that is, but it’s worse than what he had.

Was looking at it and came to that same conclusion- I just can’t see us not getting in at 8-10. A couple good wins. No truly terrible losses. A couple of last second losses to really good teams. That’s a tournament resume for a name school.

Maybe 3. That doesn't change the fact that I felt better on January 2, 2005 about the upcoming season than I did on January 2, 2006 about the upcoming season and I feel better today about the upcoming season than I did in the winter of 2006 after winning it all. I got well actually'd and when that happens I need the person to actually be correct and me wrong or I push back. I think OSU over Texas is a stupid and terrible idea, but whatever- you are probably right it might well happen. Oregon over us would be legit dumb. I think Texas has the best roster in CFB going into the 2024 season (and we fuck Georgia's shit up in Austin as a bonus prediction), especially if something interesting shakes loose on the interior DL like you've basically promised us was going to happen (I know- you didn't- I'm putting words in your mouth and wish casting a bit).

I said trajectory dude. VY announced he was gone- what did that do to program trajectory (percieved) on the day he left. Put another way- we are going to enter the season ranked #2, probably, in the preseason poll with the idea we have answer at all the skill positions for 3 years at least. You couldn't say that a week after winning the national title. Trajectory is a forward looking thing- you are looking backward.

It’s funny- there’s a lot of “weaker elements to Sarkisians regime,” and yet program trajectory looks to be at its absolute apex since what- 2004 after beating Michigan in the rose bowl? he’s going to squire talent and he’s going to run a really good offense and I guess we just have to cross our fingers and hope he can win 4 post season games in a row (either sec title game and then 3 games in the 12 games with a bye, or no sec title and 4 games from the 5-12 seed line). Think that’s going to be a really big problem if I’m being honest.

He’s back to chase 300 if he’s within 100 hits and it will be with the astros. no reason to fret.

No shit. We’ve been operating on the assumption he’s here all winter and just occasionally wondering when. It’s a little surprising to me it’s not a 7 year deal adding in this year and lowering the tax hit for this year but once we signed Hader an extra 2 or 3M wasn’t going to matter.

Good stuff man. Keep it up.

Sure. And I knew we had all those strategic advantages which is why I was on the Alabraska bandwagon for 2 years now but that disparity is huge and shocking. Truly.

Holy shit- Bama and Tiger are at less than 3M a year now? That quite frankly shocks me. I’ve always assumed the number to be a winner in this brave new world is 10 or 12 (counting legitimate and real corporate income) but I figured that would give us a little more cash than Bama and LSU, not 3 or 4 X their war chest.

Congrats on best month ever and top 20 in your company. That’s awesome man. How long have you been at it in the industry?

Yes- this is correct. Admin type role for the ladies in recruiting department - not analyst role.

We talk final part of Astros HOfers with pitchers and then tackle an Astros related immaculate grid together. https://open.spotify.com/episode/1Gc1frPL58GiOkoxjpkTOk?si=8U-VsHkpSzivOEoyDavZcw

My rankings this morning. Month to date first- year to date second

And now we are down 44 points on the day. Guess we aren’t getting the rally I was hoping for. Ever since ishbia came out with his 100 point incentive we are down like 100 points.

So I’ve literally been knocking on doors the last couple weeks asking people if they want refinance (targeted FHa and VA loans with interest rates over 6.5 and balance of at least 400k). Got 5 people responded and no interest rates for them that makes sense right now. Good times.

Holy shit he does look fat in that picture.