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[JustinD]

Originally Posted by BobC

Don't worry Justin, I hate law as well, especially tax law. LOL It is often a complicated, confusing, and seemingly ever-changing mess.

And I tip my hat to you. I've worked with many loan/mortgage officers over the years, and know exactly all the pain-in-the-a$$ crap you've had to go through since the 2008 real estate mortgage loan debacle and meltdown. The way the government regulations cracked down on those trying to get a loan after 2008 was insane. And very few people realize the extent and changes that came as a result. I always felt the government didn't direct as much blame and punishment towards the proper groups and parties involved as they should have. For example, a lot of the problems seem to have been caused by the improper ratings placed on CDOs sold internationally, especially in Europe. Yet I never really heard of any retribution by Moody's or Standard and Poor's for their maybe not-so-accurate credit ratings on all those bundled loan obligations being sold before the 2008 crash.

By the way, please tell me you don't work for Mr. Cooper. That has got to be the dumbest name for a mortgage loan company I ever heard of. LOL

Otherwise, if you ever do have any questions, feel free to ask, I'll try to help.

P.S. Just a thought for you and your wife regarding taxes. Do you look at filing them both jointly and separately to see which is more beneficial? Filing jointly usually produces the lowest federal tax bill, but depending on many factors it can sometimes save you money to file separately.

Not Mr. Cooper.

In actuality I will be working for someone new very shortly as I just received a very impressive proposition this week and I would have to be committed to an asylum if I was to turn it down. I will get to take my many years of origination expertise to a virtual commute each morning to Washington DC and work on new product for one of the GSE's. Very excited.

Been a solid week.