[Greg]

So many stradegies to consider. Who is right? All of you!

Ohio is not the same market as Florida. What you see down there we do not really see up here. The competition is fierce in FL. I think it is the #2 market in the US is it not?

When you lived in Ohio did you ever get a deed of trust in the mail? I have yet too but I have owned for only 3 years. If it is rare and unique in the market then it yields variable results.

I beleive him though. I beleive you too because about 50% of sub-prime apps close if you are lucky.

You are doing it right though. Pick and choose. How many times have you dug in and closed a sub-prime deal and they never speak to you again or get mad about the little stuff like they are 720 fico borrowers? They tend to want sonmething for nothing and scream irrational thoughts about you to everyone they know. grrrr...

Time management is taking the closeable deals and doing them quick. Getting more and continue originating. I like it FL!

Someone has to do the crap deals too though. Sometimes you turn poop into gold with the right direction. People sometimes have no clue because their parents did not tell them the ins and outs of credit or they just managed it poorly. Showing them the path of light sometimes changes them and you get customers for life that would do anything to help you grow.

Good credit folks sometimes do not have the same respect and appreciation.

It is a toss up. I choose to handle everything I get. I am scared about what will happen when they call broker b....