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Wulaw Horn

Burnt Ends
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Everything posted by Wulaw Horn

  1. I was just kidding. Should have at'd @UTPhil2006 and @LCHorn, @smoothlonghorn, @Neonmoon and whoever else is in the industry. Was just messing around.
  2. Down another 16 points today. Blew past support supposed to prop it up- we are now approaching worst conditions in what 6 months? Something like that? This is absurd and I hate everything about what this market is choosing to be. Fuck it- I guess we will just have 7% interest rates forever (narrators voice- we won't have 7% rates forever I don't think) but damn, I feel like Sisyphus pushing his damn rock up the fucking mountain for the last couple years now. I know all the rest of yall love this market- sorry to be the only one miffed about it.
  3. With the now credit scores on fha sometimes even paying no mortgage insurance vs paying mortgage insurance on the fha the fha payment is still lower. I don’t advise that’s of course, because of the 1.75% yo front funding fee, but some buyers DGAF because that ain’t cash from them today and it’s a lower payment tomorrow, and they don’t care about their equity position.
  4. Usually shitty credit and also needs to put enough money down to hit DTI. I've done a handful for sure, but pretty unusual. Or- if you have a manual underwrite...
  5. Mostly right. If an FHA buyer puts down 20% then the MI will get dropped after 11 or 12 years- something like that. Now- how many FHA buyers put down 20%? Very very very few- like less than 5% I would bet.
  6. I woke up this morning, looked at the market, said son of a fucking bitch and then from my bathroom my 9 year old was like- language daddy. This economy is doing so well we need higher rates.
  7. Trump 312 or so to 226- 53 GOP Senate- who the fuck knows in the house. That's my prognostication. Go look at my Georgia prediction for that game to see how well I can see the future
  8. Your boss is exceedingly bad at handicapping (in my opinion) and I will line up as much as he wants to put money on the other side of what he thinks is going to happen on the election. That being said- I think that sort of points toward the point you are making about how little consensus there is on what comes next. We will see in 2 weeks the start of a consensus building one way or another I'm sure as to what's next.
  9. Texas loses in humiliating fashion in the biggest home game we've played in at least 15 years Interest rates up 3/4 of a point since the fed lowered the rate last month when everyone thought it was going to get better Yankees and Dodgers playing for a World Series title after we lost in 2 to the Tigers. Kill me now. I hate sports ball. I hate life. I mean- not really- but wish I had not gotten out of bed today, I think.
  10. Horns roll, 38-10. Congrats to Vandy for a really good year so far. I don't love how the schedule finishes for them- but hopefully they can win one more (after us) and get to bowl eligibility. Prop Contest- total yards passing for Texas- 354. If this is a really good team (and I think it is) that's the kind of game we will see from them in the bounce back category. If not then I'm really disappointed and probably an idiot for thinking this was a good team.
  11. @Mr. Drummondnailed the yardage prop on the nose at 285. Congrats for him and he wins this one. Quoted the 3 who picked Georgia to win. Shockingly enough satyanash was one of them. 30 points for Gut wagon, 32 points for Sat and 43 for HUBS. Hope you are all happy with yourself for being sooooooo right. I'm just bitter and projecting. Totally not taking it out on any of yall.
  12. This is so much fun. Good times. Good times.
  13. It’s the 8th game in our season. Thats how we’ve always labeled this shit.
  14. Absofuckinglutely.
  15. I have nothing bad to say about Vandy. They are a fine institution of higher learning, with smart students and fans that live in the best travel city (non Austin) division in the conference. They are, I believe, the only SEC school with a winning record against us (something like 4-1 from 100 years ago) so by the end of this decade the hope would be we wipe that away while enjoying some fun trips to NashVegas to win what should be a gimme of a game. the small private school factor that annoys with Vandy is their baseball fans obnoxiously whistle. Contrast that with Baylor- where the irritation is an admin covering up systematic rape in the school. Advantage Vandy. Yesterday sucked. All that said all our goals are still in front of us. Get up off the canvas and win out and we are going to really like where we are at. Hook ‘Em.
  16. It is. Occasionally you have to deviate from that when game situation dictates. Like- when they have to ball on the 28 up 8 and you. Red to inflict negatives or have them score in a hurry so you don’t give up points and let them wind down the clock.
  17. Yep. Poor situational decision making by PK.
  18. You never feel good about anything. contest closed.
  19. I mean- compared to- you know- a good team. Like us.
  20. Mississippi state is so damn dumb. aggy is such a fraud. LSU sucks and so does South Carolina but I think they might both get this aggy team. hell at Auburn could be lose-able for those clowns but probably not.
  21. Not for all the meth in the state.
  22. Indiana has really surprised me today. Good for them. 11-1 and playoff team isn’t out of the realm of possibility for those guys looking forward. Thats big fucking game they have v Michigan.
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