Phil Grossfield's Blog

A LITTLE EXTRA…

Junior Seau – From Phil

My Schedule…and a Little Extra:  “I’m conflicted because I hate the way his life ended…his death was not worthy of a warrior.”  These were statements in my post yesterday which I have been thinking about after receiving a lot of interesting feedback.  One response came from someone who knew him personally…she said Junior was dealing with intense chronic pain.  Chronic pain and suicide are no strangers to each other and for those of us not living with it, it’s easy for us to judge.  I recall several similar stories such as the movie director Tom Shadyac who contemplated suicide when dealing with intense chronic pain (he directed Liar-Liar, The Nutty Professor, Bruce Almighty…).  He made a movie I highly recommend called I am wherein he describes his desire to take his own life when dealing with unbearable pain.  I feel my statements yesterday were too harsh, or at a minimum too ignorant.  All I can say is I cannot imagine what Junior was going through…I do not judge him…and I trust he is finally at peace.
My Schedule:  I have two appointments today at 11:00a and 2:30p.  I am available before, in-between, and after…imagine that!  


Turn-Times:

Purchases:      3 days from Submission (after registration)…prioritized throughout the process.

Refinances:     5 days from Submission (after registration)…45-day locks still recommended.

Conditions:     48 hours from last uploaded document.


For a Clean Underwriting Decision Resulting in Happiness and Adulation – Read Me

For a Long List of Conditions, a Huge Hassle, and Massive Frustration – Ignore Me


Procedures: 

Locks  |  Running DU/DO  |  Register, Submit & Appraisals  |  Upload Conditions  |  CICs  |  Order Docs


Our Lender Fee is only $699 “All-In”

“All-In” means there is no flood fee, tax fee, etc.  Appraisal Waivers accepted with $75 waiver fee.  Appraisal Fees may be reimbursed at closing.  Processing Fees may be charged to the borrower on borrower-paid and for lender-paid we permit outsourced Contract Processing (NMLS Licensed) as a 3rd-Party Fee and therefore may be covered by YSP overage (excess rebate).  YSP overage also permitted for Prepaid Interest, Property Taxes, Hazard, and max $500 towards principal reduction.


PURCHASES: 

  • Expedited Turns Throughout the Process – 3 days for UW
  • We will fund on a fax copy of the docs

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