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There are certainly people here that are much more qualified to answer this than me, but it seems that a guy in a radio ad might not be your best choice.

Chus wrote:

There are certainly people here that are much more qualified to answer this than me, but it seems that a guy in a radio ad might not be your best choice.

Advertising on the radio doesn't mean that he isn't good at what he does.

There are certainly people here that are much more qualified to answer this than me, but it seems that a guy in a radio ad might not be your best choice.

Stay in line or he'll punch you in the face.

So I am going to refinance my mortgage from a 30 year to either a 10 or 15 year mortgage & I've got quotes & offers from 5 lending companies, but I'm curious if anyone here has any experience with Townstone Financial & David Hochberg...OUR GUY!!!

Thanks in advance.

Scorehead wrote:

Apparently the answer to this and all questions, is ask bigfan.

correct, I know a lot of good stuff and good people

bigfan wrote:

correct, I know a lot of good stuff and good people

If I had some investment questions for you offline, would you be willing to give me some advice?

The Original Kid Cairo wrote:

bigfan wrote:

correct, I know a lot of good stuff and good people

If I had some investment questions for you offline, would you be willing to give me some advice?

For you, always.

Scorehead wrote:

Apparently the answer to this and all questions, is ask bigfan.

bigfan wrote:

The Original Kid Cairo wrote:

bigfan wrote:

correct, I know a lot of good stuff and good people

If I had some investment questions for you offline, would you be willing to give me some advice?

For you, always.

If I PM you for one guaranteed fast strike killer stock will you give me one?

I dont do that, but Jim cramer is saying DDD (3D printing systems) is a bubble, you can short sell it, but I didnt tell you that....

bigfan wrote:

I dont do that, but Jim cramer is saying DDD (3D printing systems) is a bubble, you can short sell it, but I didnt tell you that....

Jim Cramer is a hack and most people dont have the capital to short sell

I dont work with stocks, but I work with a lot of guys who do and am really just taking on their take on Cramer.

rogers park bryan wrote:

I dont work with stocks, but I work with a lot of guys who do and am really just taking on their take on Cramer.

I haven't done much stock trading lately, but in general the thought was that while Cramer clearly has some talent, no one would be good picking as many stocks as he does. He literally will have a positive or negative reaction to every stock out there. He chooses quantity over quality.

His books are interesting. You'd be better reading some of them rather than listening to him give 10 stocks he loves or hates every day while being entertaining.

Boilermaker Rick wrote:

rogers park bryan wrote:

I dont work with stocks, but I work with a lot of guys who do and am really just taking on their take on Cramer.

But he's bad even in that arena. There are guys that pick stocks everyday that are way better.

He just got thru on a gimmick. Its fine, but he probably knows less than the average financial analyst.

Boilermaker Rick wrote:

rogers park bryan wrote:

I dont work with stocks, but I work with a lot of guys who do and am really just taking on their take on Cramer.

But he's bad even in that arena. There are guys that pick stocks everyday that are way better.

He just got thru on a gimmick. Its fine, but he probably knows less than the average financial analyst.

Thank me later.

Jack Jones
Mortgage Consultant
Fairway Independent Mortgage Corporation
Phone: (630) 901-9844
NMLS ID: 543267

jackj@fairwaymc.com
http://www.jackjonesloans.com

Seacrest wrote:

Thank me later.

Jack Jones
Mortgage Consultant
Fairway Independent Mortgage Corporation
Phone: (630) 901-9844
NMLS ID: 543267

jackj@fairwaymc.com
http://www.jackjonesloans.com

This guy is also my chiropractor.

Author:	Scorehead [ Wed Mar 06, 2013 12:40 am ]
Post subject:	Refinance Question
So I am going to refinance my mortgage from a 30 year to either a 10 or 15 year mortgage & I've got quotes & offers from 5 lending companies, but I'm curious if anyone here has any experience with Townstone Financial & David Hochberg...OUR GUY!!! Thanks in advance.

Author:	Chus [ Wed Mar 06, 2013 12:47 am ]
Post subject:	Re: Refinance Question
There are certainly people here that are much more qualified to answer this than me, but it seems that a guy in a radio ad might not be your best choice.

Author:	Scorehead [ Wed Mar 06, 2013 12:49 am ]
Post subject:	Re: Refinance Question
Chus wrote: There are certainly people here that are much more qualified to answer this than me, but it seems that a guy in a radio ad might not be your best choice. Advertising on the radio doesn't mean that he isn't good at what he does.

Author:	Chus [ Wed Mar 06, 2013 1:02 am ]
Post subject:	Re: Refinance Question
Scorehead wrote: Chus wrote: There are certainly people here that are much more qualified to answer this than me, but it seems that a guy in a radio ad might not be your best choice. Advertising on the radio doesn't mean that he isn't good at what he does. I'm basing this on the rest of the advertising. There used to be an ad running for the "no cut vasectomy". My urologist assures me that this is bullshit. And who can forget those wonderful Marconi commercials, and Mr. Hot Shot Hot Shot Hot Shot Hot Shot

Author:	bigfan [ Wed Mar 06, 2013 5:40 am ]
Post subject:	Re: Refinance Question
Chus wrote: There are certainly people here that are much more qualified to answer this than me, but it seems that a guy in a radio ad might not be your best choice. WRONG These guys are as good or better than anyone. I know a number of people who have gone there. If you have perfect credit and a high income go to Wells Fargo and get the best deal. That is your simple answer. If you dont have perfect credit go to Townstone, they work their ass off with tons of lenders trying to get you the best deal just as they said. This doesnt mean BAD credt I have met some Mortgage Brokers in my day and they are complete idiots. They are given 2 or 3 originators, if they get a deal, they fill out the info and send it in. Usually those originators are giving bonuses, etc. I am sure others here will have some great advice for you.

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Refinance Question https://mail.chicagofanatics.com/viewtopic.php?f=47&t=77506	Page 1 of 2

Author:	Brick [ Wed Mar 06, 2013 6:45 am ]
Post subject:	Re: Refinance Question
Stay in line or he'll punch you in the face.

Author:	bigfan [ Wed Mar 06, 2013 6:47 am ]
Post subject:	Re: Refinance Question
Boilermaker Rick wrote: Stay in line or he'll punch you in the face. That costs extra

Author:	Rod [ Wed Mar 06, 2013 7:16 am ]
Post subject:	Re: Refinance Question
I'm sure Hochberg is a competent guy who knows his business, but my personal experience with him is that he's an asshole. Pretty much how he comes off in his commercials, I guess, so it shouldn't be much of a surprise. When I was running a home improvement company we had a dedicated finance guy on staff. Before the economy completely crumbled in 2008, there were lots of good options to finance home improvements and we had programs set up and good working relationships with GE and Key Bank among others. Eventually, those big banks eliminated those programs. But we also did cash-out refis for certain types of customers. Our finance guy and I called Hochberg who was just an utter jerk-off over the phone at a time when we had a lot of business to potentially throw his way.

Author:	Chus [ Wed Mar 06, 2013 8:38 am ]
Post subject:	Re: Refinance Question
Scorehead wrote: So I am going to refinance my mortgage from a 30 year to either a 10 or 15 year mortgage & I've got quotes & offers from 5 lending companies, but I'm curious if anyone here has any experience with Townstone Financial & David Hochberg...OUR GUY!!! Thanks in advance. Apparently the answer to this and all questions, is ask bigfan.

Author:	bigfan [ Wed Mar 06, 2013 9:53 am ]
Post subject:	Re: Refinance Question
Chus wrote: Scorehead wrote: So I am going to refinance my mortgage from a 30 year to either a 10 or 15 year mortgage & I've got quotes & offers from 5 lending companies, but I'm curious if anyone here has any experience with Townstone Financial & David Hochberg...OUR GUY!!! Thanks in advance. Apparently the answer to this and all questions, is ask bigfan. correct, I know a lot of good stuff and good people, but you can do as you wish.

Author:	The Original Kid Cairo [ Wed Mar 06, 2013 9:58 am ]
Post subject:	Re: Refinance Question
bigfan wrote: correct, I know a lot of good stuff and good people If I had some investment questions for you offline, would you be willing to give me some advice?

Author:	bigfan [ Wed Mar 06, 2013 10:01 am ]
Post subject:	Re: Refinance Question
The Original Kid Cairo wrote: bigfan wrote: correct, I know a lot of good stuff and good people If I had some investment questions for you offline, would you be willing to give me some advice? For you, always.

Author:	pittmike [ Wed Mar 06, 2013 10:07 am ]
Post subject:	Re: Refinance Question
bigfan wrote: The Original Kid Cairo wrote: bigfan wrote: correct, I know a lot of good stuff and good people If I had some investment questions for you offline, would you be willing to give me some advice? For you, always. If I PM you for one guaranteed fast strike killer stock will you give me one?

Author:	SomeGuy [ Wed Mar 06, 2013 10:11 am ]
Post subject:	Re: Refinance Question
Chus wrote: Scorehead wrote: So I am going to refinance my mortgage from a 30 year to either a 10 or 15 year mortgage & I've got quotes & offers from 5 lending companies, but I'm curious if anyone here has any experience with Townstone Financial & David Hochberg...OUR GUY!!! Thanks in advance. Apparently the answer to this and all questions, is ask bigfan. For all the shit I give BIGFAN I would have to say that he probably knows a lot of stuff.

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Author:	bigfan [ Wed Mar 06, 2013 10:11 am ]
Post subject:	Re: Refinance Question
pittmike wrote: bigfan wrote: The Original Kid Cairo wrote: bigfan wrote: correct, I know a lot of good stuff and good people If I had some investment questions for you offline, would you be willing to give me some advice? For you, always. If I PM you for one guaranteed fast strike killer stock will you give me one? I dont do that, but Jim cramer is saying DDD (3D printing systems) is a bubble, you can short sell it, but I didnt tell you that....

Author:	Hatchetman [ Wed Mar 06, 2013 10:15 am ]
Post subject:	Re: Refinance Question
Just get the best deal. There is no "value add."

Author:	rogers park bryan [ Wed Mar 06, 2013 10:15 am ]
Post subject:	Re: Refinance Question
bigfan wrote: I dont do that, but Jim cramer is saying DDD (3D printing systems) is a bubble, you can short sell it, but I didnt tell you that.... Jim Cramer is a hack and most people dont have the capital to short sell

Author:	pittmike [ Wed Mar 06, 2013 10:17 am ]
Post subject:	Re: Refinance Question
That's ok BF was joking and as he points out many don't have capital.

Author:	bigfan [ Wed Mar 06, 2013 10:19 am ]
Post subject:	Re: Refinance Question
rogers park bryan wrote: bigfan wrote: I dont do that, but Jim cramer is saying DDD (3D printing systems) is a bubble, you can short sell it, but I didnt tell you that.... Jim Cramer is a hack and most people dont have the capital to short sell He cracks me up, but I love the call on the 3D Printer thing. While I think it is really cool, not sure it is going to be a household item. IF you had a 3d printer ($1000), this is the kinda shit you can do with it, do you need any of this stuff? http://www.shapeways.com/

Author:	Brick [ Wed Mar 06, 2013 10:22 am ]
Post subject:	Re: Refinance Question
rogers park bryan wrote: I dont work with stocks, but I work with a lot of guys who do and am really just taking on their take on Cramer. I haven't done much stock trading lately, but in general the thought was that while Cramer clearly has some talent, no one would be good picking as many stocks as he does. He literally will have a positive or negative reaction to every stock out there. He chooses quantity over quality. His books are interesting. You'd be better reading some of them rather than listening to him give 10 stocks he loves or hates every day while being entertaining.

Author:	pittmike [ Wed Mar 06, 2013 10:22 am ]
Post subject:	Re: Refinance Question
Looks cool but I don't need it. But again look how many dot matrix printers got sold when home pc's blew up. Hardly anyone needed that either.

Author:	Hatchetman [ Wed Mar 06, 2013 10:24 am ]
Post subject:	Re: Refinance Question
He just does the TV show for the pussy.

Author:	SomeGuy [ Wed Mar 06, 2013 10:59 am ]
Post subject:	Re: Refinance Question
rogers park bryan wrote: Boilermaker Rick wrote: rogers park bryan wrote: I dont work with stocks, but I work with a lot of guys who do and am really just taking on their take on Cramer. I haven't done much stock trading lately, but in general the thought was that while Cramer clearly has some talent, no one would be good picking as many stocks as he does. He literally will have a positive or negative reaction to every stock out there. He chooses quantity over quality. His books are interesting. You'd be better reading some of them rather than listening to him give 10 stocks he loves or hates every day while being entertaining. But he's bad even in that arena. There are guys that pick stocks everyday that are way better. He just got thru on a gimmick. Its fine, but he probably knows less than the average financial analyst. He's made a shit load of bad calls and bad predictions. I used to watch all the time, CNBC as well, years ago but quickly realized it's a market propaganda channel for the financial/govt. apparatus. Herding cattle into the slaughter pens.

Author:	Brick [ Wed Mar 06, 2013 11:02 am ]
Post subject:	Re: Refinance Question
rogers park bryan wrote: Boilermaker Rick wrote: rogers park bryan wrote: I dont work with stocks, but I work with a lot of guys who do and am really just taking on their take on Cramer. I haven't done much stock trading lately, but in general the thought was that while Cramer clearly has some talent, no one would be good picking as many stocks as he does. He literally will have a positive or negative reaction to every stock out there. He chooses quantity over quality. His books are interesting. You'd be better reading some of them rather than listening to him give 10 stocks he loves or hates every day while being entertaining. But he's bad even in that arena. There are guys that pick stocks everyday that are way better. He just got thru on a gimmick. Its fine, but he probably knows less than the average financial analyst. I'm sure you are right. My experience with him comes from a long time ago. I've been retired for a while from the stock market game.

Author:	Seacrest [ Wed Mar 06, 2013 11:28 am ]
Post subject:	Re: Refinance Question
Thank me later. Jack Jones Mortgage Consultant Fairway Independent Mortgage Corporation Phone: (630) 901-9844 NMLS ID: 543267 jackj@fairwaymc.com www.jackjonesloans.com

Author:	Douchebag [ Wed Mar 06, 2013 11:38 am ]
Post subject:	Re: Refinance Question
Seacrest wrote: Thank me later. Jack Jones Mortgage Consultant Fairway Independent Mortgage Corporation Phone: (630) 901-9844 NMLS ID: 543267 jackj@fairwaymc.com http://www.jackjonesloans.com This guy is also my chiropractor.

Author:	Scorehead [ Wed Mar 06, 2013 2:01 pm ]
Post subject:	Re: Refinance Question
Douchebag wrote: Seacrest wrote: Thank me later. Jack Jones Mortgage Consultant Fairway Independent Mortgage Corporation Phone: (630) 901-9844 NMLS ID: 543267 jackj@fairwaymc.com http://www.jackjonesloans.com This guy is also my chiropractor. And a great singer.