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#1744933 - 09/27/12 07:15 PM Re: FDIC conf calls on QMs QRMs Retired DQ
RR Becca Offline
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RR Becca
Joined: Sep 2004
Posts: 5,249
out of the frying pan...
and they aren't answering them directly.
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#1744940 - 09/27/12 07:25 PM Re: FDIC conf calls on QMs QRMs Retired DQ
Dani York, CRCM Offline
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Dani York, CRCM
Joined: Apr 2005
Posts: 3,663
TN
If she says "We have a question and it reads as follows" one more time.......
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#1744944 - 09/27/12 07:26 PM Re: FDIC conf calls on QMs QRMs Retired DQ
Transatlantic Offline
New Poster
Joined: Apr 2012
Posts: 1
Word soup answers...

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#1744945 - 09/27/12 07:27 PM Re: FDIC conf calls on QMs QRMs Dazed Auditor
lds1958 Offline
Platinum Poster
Joined: Oct 2006
Posts: 508
I still have not been able to download the slides!! Of course, I just woke up!!! Man.......

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#1744948 - 09/27/12 07:28 PM Re: FDIC conf calls on QMs QRMs Retired DQ
#Just Jay Offline
10K Club
#Just Jay
Joined: Oct 2006
Posts: 14,390
Cheeseheadland
I dropped out about half way through...
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#1744952 - 09/27/12 07:33 PM Re: FDIC conf calls on QMs QRMs Retired DQ
manimal Offline
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manimal
Joined: Feb 2008
Posts: 2,207
Deleted
I didn't last the whole way through. I detest presentations read from a script. frown
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#1744981 - 09/27/12 08:16 PM Re: FDIC conf calls on QMs QRMs Retired DQ
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
Reading the slides...really?

Reading prepared answer to questions...really?

Did not even attempt my question....naturally.

The questions people ask that have been in place for years...get with the program folks! You are light years behind already.

Answering questions incorrectly...imagine that.
Last edited by RR Joker; 09/27/12 08:17 PM.
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#1744989 - 09/27/12 08:25 PM Re: FDIC conf calls on QMs QRMs Retired DQ
RR Becca Offline
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RR Becca
Joined: Sep 2004
Posts: 5,249
out of the frying pan...
now I want to know what your question was. smirk
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#1744993 - 09/27/12 08:28 PM Re: FDIC conf calls on QMs QRMs Retired DQ
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
Becca...when has anyone of these things EVER answered one of my questions? It's like they get lost in cyberspace somewhere...like it never happened....wandering around in the Twilight Zone...it never fails! laugh
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#1745000 - 09/27/12 08:31 PM Re: FDIC conf calls on QMs QRMs RR Joker
Cornfed Turtle Offline
Diamond Poster
Joined: Mar 2006
Posts: 1,323
"...Somewhere in Middle Americ...
But at least you know what an APOR is now. smile

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#1745001 - 09/27/12 08:32 PM Re: FDIC conf calls on QMs QRMs RR Joker
RR Becca Offline
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RR Becca
Joined: Sep 2004
Posts: 5,249
out of the frying pan...
Originally Posted By: RR Joker
Becca...when has anyone of these things EVER answered one of my questions? It's like they get lost in cyberspace somewhere...like it never happened....wandering around in the Twilight Zone...it never fails! laugh


so.....what was your question? wink
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#1745038 - 09/27/12 09:15 PM Re: FDIC conf calls on QMs QRMs Retired DQ
Skittles Online
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Skittles
Joined: Sep 2002
Posts: 13,965
TN
So - I really didn't miss anything.
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#1745092 - 09/28/12 11:17 AM Re: FDIC conf calls on QMs QRMs Retired DQ
Retired DQ Offline
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Retired DQ
Joined: Dec 2002
Posts: 40,766
Turnpike Exit 10
Sorry folks. crazy

I didn't catch it, I was in a meeting.
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#1745212 - 09/28/12 03:45 PM Re: FDIC conf calls on QMs QRMs Retired DQ
Soccer Offline
Diamond Poster
Joined: Jan 2010
Posts: 1,028
Utopia
After listening to this call yesterday I have a question that I asked but never got answered, so I'll try here. Forced place hazard insurace: if the bank already carries a blanket policy to cover the bank for lossesin the event of lapsed insurance, do you think that we still have to force place to also cover the consumer? If so that is going to be a very difficult task to monitor. It's not like flood where not all of your properties are in a flood, but all of your loans require hazard. What a mess!!
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#1745255 - 09/28/12 04:51 PM Re: FDIC conf calls on QMs QRMs RR Joker
Dani York, CRCM Offline
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Dani York, CRCM
Joined: Apr 2005
Posts: 3,663
TN
Originally Posted By: RR Joker
Becca...when has anyone of these things EVER answered one of my questions? It's like they get lost in cyberspace somewhere...like it never happened....wandering around in the Twilight Zone...it never fails! laugh


Maybe they have your email on the blocked list.... laugh
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#1745265 - 09/28/12 05:13 PM Re: FDIC conf calls on QMs QRMs Retired DQ
RR Joker Offline
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RR Joker
Joined: Nov 2002
Posts: 20,656
The Swamp
Now THAT would not surprise me. laugh Becca...it had to do with zero/zero alternatives for bank's who don't adjust pricing based on points and fees...but since the fee is not driven by a term , such as the LA, I think this requirement may not be triggered. I hope that is the case.
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#1745356 - 09/28/12 07:56 PM Re: FDIC conf calls on QMs QRMs Retired DQ
Mr. E. Offline
100 Club
Mr. E.
Joined: Oct 2009
Posts: 183
New England
Complete waste of time. As follows.......

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#1748155 - 10/10/12 06:03 PM Re: FDIC conf calls on QMs QRMs Retired DQ
RR Becca Offline
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RR Becca
Joined: Sep 2004
Posts: 5,249
out of the frying pan...
aaaaaaaaaaaaaaaannnnnnnnnnnddddddddd here we go again!
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You call it ADD. I call it multi-tasking.

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#1748161 - 10/10/12 06:09 PM Re: FDIC conf calls on QMs QRMs Retired DQ
ahkcompliance Offline
Diamond Poster
Joined: Sep 2008
Posts: 2,474
Midwest
Might be a long hour!

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#1748164 - 10/10/12 06:10 PM Re: FDIC conf calls on QMs QRMs Retired DQ
Dazed Auditor Offline
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Dazed Auditor
Joined: Apr 2005
Posts: 637
Acceptance, USA America
What slide are we on?
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#1748177 - 10/10/12 06:18 PM Re: FDIC conf calls on QMs QRMs Dazed Auditor
Carolina Blue Offline
Platinum Poster
Carolina Blue
Joined: Jul 2005
Posts: 961
Lost in a regulatory fog
Is anyone else getting really bad static? Afraid to hang up incase I can't get back in.

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#1748180 - 10/10/12 06:20 PM Re: FDIC conf calls on QMs QRMs Retired DQ
ahkcompliance Offline
Diamond Poster
Joined: Sep 2008
Posts: 2,474
Midwest
ok on my end...

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#1748185 - 10/10/12 06:26 PM Re: FDIC conf calls on QMs QRMs Retired DQ
RR Becca Offline
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RR Becca
Joined: Sep 2004
Posts: 5,249
out of the frying pan...
mine's a little fuzzy sometimes, but not too bad.
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You call it ADD. I call it multi-tasking.

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#1748187 - 10/10/12 06:27 PM Re: FDIC conf calls on QMs QRMs ahkcompliance
Carolina Blue Offline
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Carolina Blue
Joined: Jul 2005
Posts: 961
Lost in a regulatory fog
Thanks. Called back in and no problems. Ahhh, I thought my ears were going to bleed. Although they still might with these subjects.

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#1748195 - 10/10/12 06:36 PM Re: FDIC conf calls on QMs QRMs Retired DQ
Dazed Auditor Offline
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Dazed Auditor
Joined: Apr 2005
Posts: 637
Acceptance, USA America
Do we really have to legislate verifying employment?
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