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.

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CSFMB 2014 Nascar Pick 'em Champion

We don’t have a trillion-dollar debt because we haven’t taxed enough; we have a trillion-dollar debt because we spend too much. — Ronald Reagan

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.

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Good people drink good beer - Hunter S. Thompson

<º)))><

Waiting for the time when I can finally say
That this has all been wonderful, but now I'm on my way

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

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CSFMB 2014 Nascar Pick 'em Champion

We don’t have a trillion-dollar debt because we haven’t taxed enough; we have a trillion-dollar debt because we spend too much. — Ronald Reagan

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

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Good people drink good beer - Hunter S. Thompson

<º)))><

Waiting for the time when I can finally say
That this has all been wonderful, but now I'm on my way

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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"That's what the internet is for. Slandering others anonymously." Banky
“Been that way since one monkey looked at the sun and told the other monkey ‘He said for you to give me your fuckin’ share.’”

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

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You do not talk to me like that! I work too hard to deal with this stuff! I work too hard! I'm an important member of the CSFMB! I drive a Dodge Stratus!

That costs extra

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"That's what the internet is for. Slandering others anonymously." Banky
“Been that way since one monkey looked at the sun and told the other monkey ‘He said for you to give me your fuckin’ share.’”

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.

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Anybody here seen my old friend Bobby?
Can you tell me where he's gone?
I thought I saw him walkin' up to The Hill
With Elon, Tulsi, and Don

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

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Good people drink good beer - Hunter S. Thompson

<º)))><

Waiting for the time when I can finally say
That this has all been wonderful, but now I'm on my way

correct, I know a lot of good stuff and good people, but you can do as you wish.

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"That's what the internet is for. Slandering others anonymously." Banky
“Been that way since one monkey looked at the sun and told the other monkey ‘He said for you to give me your fuckin’ share.’”

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

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Kid Cairo's Boers & Bernstein YouTube Channel

Kid Cairo: 2013 March Madness Tournament Winner!

"Cowabunga? Cowa fucking piece of dog shit! This game is diarrhea coming out of my dick!"

For you, always.

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"That's what the internet is for. Slandering others anonymously." Banky
“Been that way since one monkey looked at the sun and told the other monkey ‘He said for you to give me your fuckin’ share.’”

Much appreciated. I'll put together a PM for you. Marriage is on the horizon and I'm looking to do some different things financially to try to create some security. I don't have much experience though.

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Kid Cairo's Boers & Bernstein YouTube Channel

Kid Cairo: 2013 March Madness Tournament Winner!

"Cowabunga? Cowa fucking piece of dog shit! This game is diarrhea coming out of my dick!"

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

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Elections have consequences.

For all the shit I give BIGFAN I would have to say that he probably knows a lot of stuff.

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....

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"That's what the internet is for. Slandering others anonymously." Banky
“Been that way since one monkey looked at the sun and told the other monkey ‘He said for you to give me your fuckin’ share.’”

Just get the best deal. There is no "value add."

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Reality is your friend, not your enemy. -- Seacrest

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

That's ok BF was joking and as he points out many don't have capital.

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Elections have consequences.

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.

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/

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"That's what the internet is for. Slandering others anonymously." Banky
“Been that way since one monkey looked at the sun and told the other monkey ‘He said for you to give me your fuckin’ share.’”

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.

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You do not talk to me like that! I work too hard to deal with this stuff! I work too hard! I'm an important member of the CSFMB! I drive a Dodge Stratus!

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.

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Elections have consequences.

He just does the TV show for the pussy.

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Reality is your friend, not your enemy. -- Seacrest

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.

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.

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You do not talk to me like that! I work too hard to deal with this stuff! I work too hard! I'm an important member of the CSFMB! I drive a Dodge Stratus!

Thank me later.


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

jackj@fairwaymc.com
www.jackjonesloans.com

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This guy is also my chiropractor.

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And a great singer.

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CSFMB 2014 Nascar Pick 'em Champion

We don’t have a trillion-dollar debt because we haven’t taxed enough; we have a trillion-dollar debt because we spend too much. — Ronald Reagan