Evan Wade @ewadeloans Twitter profile

Last Seen Profiles

@helyn1982

@Combatsnap

@ibbaoo

@bokeplokalmalam

@LakeithaSa95638

@MarcosAndr21606

@magicalcocco

@SarahNewma72685

@bokeplokalmalam

@sepalous_god

@PlumbwaysLtd

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@pachanhah

@SchroederB_

@mayxtape

@bluuyed

@xquitavee

@LiferSocialist

@BreeanTami45316

@zaobaosg

Evan Wade

@ewadeloans

3 months

@UNCODED_LS Learn other development frameworks. Everybody knows React and React Native. Go learn C# / .NET. Opens up a lot more opportunities.

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Evan Wade

@ewadeloans

10 months

@johnnybots82 @ShooterMcGavin_ Eastbound & Down, it’s on HBO. Please watch it, you won’t be disappointed.

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Evan Wade

@ewadeloans

2 years

@JackSoslow Why do people care about SF so much, lol… it’s 2023, you can build a startup from anywhere.

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Evan Wade

@ewadeloans

4 months

@lumaenergypr You’re running out of time. You’ve had 3 years, are getting billions in funding, and in the United States - when we really want to fix a problem, we figure it out, and figure it out quickly.

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Evan Wade

@ewadeloans

2 years

@mattmvinson @One_Sexy_Tica @fadde @unusual_whales And at 35% down, it almost never makes sense to go FHA

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Evan Wade

@ewadeloans

1 year

@Ronwhileyoucan Respect those who feel this way but outside of maybe a few songs, I’m personally not really missing it. I’m a big fan of brass and I love that DMB has moved more in that direction.

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Evan Wade

@ewadeloans

1 year

@glennEmartin These programs typically aren’t just “low” income, it’s low-to-moderate income (LMI)… in which someone making $103,311 in NYC is definitely just moderate income.

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Evan Wade

@ewadeloans

2 years

@immad @mercury Like I mentioned the other week… balance sweeps into another checking account, not just savings! Very important for any business that exposes their account number to large amounts of people and maintain a depository & operating account. Also, ACH blocks on accounts would be nice

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Evan Wade

@ewadeloans

1 year

@JClarkNBCS Classy move which certainly doesn’t fit our brand lol

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Evan Wade

@ewadeloans

4 years

Working on switching my company bank accounts over to @BankMercury and all I have to say is...WOW. The UX is extremely intuitive, customer service is extremely responsive, and they’re already working on implementing some of my ideas.

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Evan Wade

@ewadeloans

2 years

@MLBONFOX can you quit it with the mid-game player interviews? It’s tacky AF, and they don’t feel like answering @Ken_Rosenthal ’s dumb questions. Let them focus on the game and their teammates. #phillies #padres #NLCS

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Evan Wade

@ewadeloans

3 years

Epoch Financial Group Appoints Katerina Dimitratos as COO

/PRNewswire/ -- Epoch Financial Group, Inc. (Epoch or 'the Group') announced today that Katerina Dimitratos has been appointed as the new COO of the company....

www.prnewswire.com

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Evan Wade

@ewadeloans

3 years

One of these days I'll figure out Twitter

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Evan Wade

@ewadeloans

3 years

Thanks for the article @crowdfundinside ! #crowdfund #angelinvestor #invest #investing #investors #fintech #PropTech #mortgage #insurance

New & Improved: Mortgage Application Firm Epoch Financial Group Aims to Raise up to $5 Million on...

Anyone who has gone through the mortgage application process understands the system is pretty broken. Beyond proof of financial ability, banks and other mortgage originators require many different...

www.crowdfundinsider.com

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Evan Wade

@ewadeloans

1 year

@DidTheSixersWin @NickFriedell @JHarden13 What a clown

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Evan Wade

@ewadeloans

2 years

@johnburnsjbrec Surveying real estate agents, that seems like a really accurate & reliable way to compile data…lol

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Evan Wade

@ewadeloans

3 years

@KDimitratos @Austen @EpochLending My guy in Utah is Jimmy Hobson . If he can’t help, I’m sure he knows someone who can. The key is to work with a true independent mortgage broker because we have way more product options than banks & other non-bank mortgage lenders.

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Evan Wade

@ewadeloans

1 year

@SLessard I mean…you pretty much do give us money. Haha. Still one of the most reasonably priced concerts one can go to, and was always that way. I, for one, have always appreciated how hard you guys work to entertain us and it doesn’t burn a hole in our pockets.

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Evan Wade

@ewadeloans

3 years

I turned down refinance opportunities all the time when I was a Loan Officer when I didn’t think it would benefit the consumer. I’d routinely lose out on thousands of dollars in commission, but I also slept (and still sleep) like a baby because I knew I did the right thing.

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Evan Wade

@ewadeloans

3 years

We're building something awesome at my companies. Come be a part of it 👉 #Invest #crowdfunding #smallbusinesses #fintech #fintechnews #seedrounds #mortgages #RealEstate #insurance

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Evan Wade

@ewadeloans

3 years

@moizali I would like to have a little bit of what you’re smoking if you think this is going to be the norm any time soon. This is anecdotal evidence at best.

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Evan Wade

@ewadeloans

2 years

@jimbovelure @aymanalabdul Most founders would have lockup periods where this would not be possible at IPO.

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Evan Wade

@ewadeloans

3 years

So…work hard, exceed expectations - and you’ll usually get rewarded for it. Even if you need a little luck on your side.

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Evan Wade

@ewadeloans

1 year

@ForrestSenior @VoluntaryJoel41 @SLessard He’s not a billionaire. And why do you care what billionaires get taxed?

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Evan Wade

@ewadeloans

2 years

@katekiewel I’m building a B2B FinTech startup for U.S.-based clients and working on a move to Puerto Rico, but as you can probably tell I’m not Latino myself and very much struggling to learn Spanish 😂. But I want my dev team to be in mostly PR, Colombia, and/or Costa Rica.

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Evan Wade

@ewadeloans

3 years

If your Loan Officer or mortgage company is pressuring you to refinance due to the Fed rate hike this week, you’re dealing with a salesy scumbag and you should fire them immediately. Only work with mortgage professionals who have your best interest at heart!

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Evan Wade

@ewadeloans

2 years

@JeremyRealtorKY @johnburnsjbrec Anecdotal evidence at best. Realtor overprices listing. Doesn’t sell. Realtor reduces price. Says market is decreasing.

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Evan Wade

@ewadeloans

3 years

@sairarahman In localized areas, maybe. There was a massive amount of listings put on the market in June which relieved some of the inventory problems. But I don’t see it getting much friendlier for buyers anytime soon.

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Evan Wade

@ewadeloans

1 year

@sportsknowled @NBCSPhilly No, it’s that loud. It’s not our fault you can’t hear the tomahawk chop.

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Evan Wade

@ewadeloans

4 years

Last week was a BRUTAL week at work. Nothing seemed to go right. Customers complaining, Loan Officers thinking the sky was falling all week. I didn’t take that negative energy into this week, and had one of my most productive Mondays in a long time.

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Evan Wade

@ewadeloans

2 years

@RMcgillss @travisakers Ever think for a second that he WANTED to honor his dad? Maybe he really has no interest in becoming a musician? Do you know him personally? Some people really like to make comments without any form of critical thinking…

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Evan Wade

@ewadeloans

3 years

He almost immediately recognized my talent. When a Customer Service Representative role opened, he promoted me to that position. I only had 6 months of experience at the time, and was only 20 years old. But he saw something in me.

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Evan Wade

@ewadeloans

2 years

@SameeHsn @mercury @immad You’re gonna wonder why you didn’t do it sooner. -Founder entering his third year as a Mercury customer

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Evan Wade

@ewadeloans

4 years

When I came back after funding the account, my progress was saved! I didn’t need to re-enter. They really get it, I’m excited to see their future releases.

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Evan Wade

@ewadeloans

10 months

@KDimitratos You probably don’t drink too much coffee but you don’t gotta be wasting your money on Starbucks coffee haha

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Evan Wade

@ewadeloans

3 months

@mmkalmmkal @ulricmusset The only people who leave reviews for you on Trustpilot are the ones who you ask to leave reviews about you on Trustpilot

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Evan Wade

@ewadeloans

4 years

Who wants to design & develop something that replaces CAPTCHA? I have 20/20 vision and still have a hard time seeing some of those challenges. There’s gotta be a better way...

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Evan Wade

@ewadeloans

4 years

Little things like ability to click ABA/Routing Number and account number to copy to clipboard is a small touch but a huge timesaver. Also, I started setting up recurring payments to some of my vendors, they didn’t let me set it up since wire hadn’t hit yet, BUT....

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Evan Wade

@ewadeloans

2 years

@immad @RileyVasquez @mercury As someone with a banking background, I can certainly appreciate the challenges that come with handling checks & fraud mitigation - so I can empathize, but yes at a certain point it should be no more than a day, two max for established customers if you want to be competitive.

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Evan Wade

@ewadeloans

1 year

@immad @mercury Hell yea! Your online banking UI/UX has saved us hundreds of hours of man hours in the 2.5 years we’ve been a customer of Mercury. And that’s not an exaggeration.

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Evan Wade

@ewadeloans

5 months

@NikMilanovic Tried Guideline. Tried Human Interest. Both are absolutely terrible whenever you need them for anything service-related. We switched to Fidelity and couldn’t be happier.

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Evan Wade

@ewadeloans

8 months

@MomCooksFS @KDimitratos Lol, I would not categorize @KDimitratos as being passive whatsoever. I’ve always felt, as someone who ran a company with her, she was always good at being assertive when it really mattered.

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Evan Wade

@ewadeloans

3 years

But I busted my ass to make sure I would be recognized if that opportunity did arise. I firmly believe that luck happens to the people who work the hardest for it. I think there’s some cliché saying, but I never remember it.

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Evan Wade

@ewadeloans

6 years

@kbhome shame on you for charging per diem penalty to a buyer for not being able to close on one of your homes because he’s a firefighter putting his life on the line to try and stop the California wildfires from spreading. Unbelievable.

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Evan Wade

@ewadeloans

2 years

@maail @mercury @OpenPhone

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Evan Wade

@ewadeloans

2 years

While we’re all outraged about the mortgage LLPA changes, I’m really gonna blow your minds on this one. Did you know that both Fannie Mae & Freddie Mac have affordable products called Home Ready and HomePossible, respectively - which have ZERO LLPAs as long as you’re below 80%

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Evan Wade

@ewadeloans

3 years

6 months after that, I originated my first mortgage. That was the very beginning of my 13 year path to where I am today. But I don’t think I would’ve gotten that first promotion had it not been for that certain element of “luck” that worked in my favor.

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Evan Wade

@ewadeloans

1 year

@zackprager @danielcberk Yea I wouldn’t count on that. And population growth is slowing, not the population itself. It is still projected to have 30M+ more people in this country in 30 years… and we’re still 1.5 million new homes behind family creation.

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Evan Wade

@ewadeloans

3 years

My very first professional job was a seasonal & part time Teller at a major bank. I wanted a good job to put on my resume while I was going to college, and I took it seriously. I worked as fast as I could, usually did the most transactions, provided great customer experience.

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Evan Wade

@ewadeloans

3 years

Getting “lucky”: A story 👇🏻

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Evan Wade

@ewadeloans

3 years

I don’t think my efforts were immediately recognized. The Branch Manager who hired me got fired for comments she made after the 2008 presidential election. After that, regional management put in a new BM who managed another branch locally.

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Evan Wade

@ewadeloans

2 years

I know a lot of people are pissed off about the pricing changes on mortgages and making it more favorable for those with lower credit scores… But remember, they still need to actually qualify for the loan. AUS (Automated Underwriting System) is not very forgiving these days,

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Evan Wade

@ewadeloans

3 years

@BillDA @EpochLending We are currently doing our first equity financing round (already doing $5MM+ annual revenue), if you wanna help invest in a company that’s gonna drive this change, feel free to DM me! And we can also help entrepreneurs with their home financing today.

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Evan Wade

@ewadeloans

3 years

Fancy tech is NOT a replacement for providing good old-fashioned human customer service. I'm looking at you @GustoHQ @humaninteresthq @Guideline401k , service providers we've used this year who have serious fundamental problems with their service. We need you to keep up with us!

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Evan Wade

@ewadeloans

1 year

@glennEmartin In most other places throughout the country, your friend would most likely not be eligible for a program with this high of an income. It varies by census tract.

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Evan Wade

@ewadeloans

2 years

@itaidamti @unit_co_ We are all squared away, I met with Sophie earlier today. Thanks again. Hope to be a client within the next 12 months! Just gotta get some funding…

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Evan Wade

@ewadeloans

1 year

@nateobrienn This isn’t common. Where do you get “most businesses” from?

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Evan Wade

@ewadeloans

2 years

@maail @mercury @OpenPhone @mercury Perks even has an OpenPhone discount 😎

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Evan Wade

@ewadeloans

3 years

@BillDA Currently working on fixing this at @EpochLending . All of this is stems from the Rocket and Better Mortgages of the world. “Push button, get mortgage” but have no substance behind their marketing and “fancy tech” which is really just a sales funnel.

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Evan Wade

@ewadeloans

2 years

EV haters are the same people who thought the internet was a fad in the late 90s/early 00s

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Evan Wade

@ewadeloans

3 months

@LeoDelamoJr @chrisking @MarketPalmer_ @Rawk_FI You can, but the principal payments only apply to the principal at the end of the term. You still pay the same amount of interest every month, your term just gets shortened as you make extra principal payments.

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Evan Wade

@ewadeloans

2 years

@buzz_aldi @iankar_ This is a much better visualization.

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Evan Wade

@ewadeloans

2 years

@Solestio I wish

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Evan Wade

@ewadeloans

3 years

@BankMercury Would be nice if you had a true ZBA that would transfer entire balance to an operating checking account every night. Moving it to a savings account is kind of useless… But I love the enhancement!

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Evan Wade

@ewadeloans

2 years

@DeveloperHarris @JackSoslow I built a huge network on Facebook, many of whom I’ve never met in person but are now my customers, some are strategic advisors, investors, etc. There are lots of ways to build rapport with people. Certainly not downplaying what you’re saying though, I agree that’s a plus.

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Evan Wade

@ewadeloans

4 months

@stacytklein @awfulannouncing They were supposed to play last night in Alpine Valley but the show was postponed to the 30th due to inclement weather

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Evan Wade

@ewadeloans

2 years

@LukeHung69 @NBCSPhilly This aged well

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Evan Wade

@ewadeloans

2 years

@djREEDSTREETS @Phillies Absolutely incredible video, well done. I’ve watched it 6 times already. Chills

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Evan Wade

@ewadeloans

3 years

State 19!! Hit us up for all your mortgage needs throughout the U.S.!

Epoch Lending

@EpochLending

3 years

The first open heart surgery and the first bone marrow transplant in the U.S. were performed at the University of Minnesota. .⁣ .⁣ .⁣ #Minnesota #homeloans #gopherstate #Minnesotasmallbusiness #mortgagebrokers

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Evan Wade

@ewadeloans

3 years

Big shout out to @wizehire . I LOVE how they are proactive in alerting you about your subscription and if you’re not currently hiring, it’s easy to pause it. From a churn standpoint it might not be the best business decision, but I can clearly tell they treat their customers well.

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Evan Wade

@ewadeloans

2 years

@immad @mercury Amazing! Also, mobile deposit only permissions for users. I have employees spread throughout the country so this would be huge. Lastly, outgoing payment requests similar to the way works. Can invite vendors to fill in their bank info to receive ACH or wire

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Evan Wade

@ewadeloans

7 months

@KDimitratos @DDrolapas We might be able to do it thru our commercial division.

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Evan Wade

@ewadeloans

2 years

@mtatsis @relaxman222 @SullyCNBC Might want to look at mortgage rate trends during and after recessions.

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Evan Wade

@ewadeloans

2 years

@mauraball Live near 30th Street Station and commute is only about an hour and a half if your office is bear Penn Station! There are supposedly thousands of people who do it. I live 2 blocks from 30th Street Station so it would def be easy for me. But I don’t like NYC or NY in general haha

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Evan Wade

@ewadeloans

4 years

My biggest piece of advice to small business owners and entrepreneurs: be the odd duck. When everyone is walking in one direction, be the duck that goes in a different direction. You’ll usually be rewarded heavily for it. #Entreprenuer #smallbusiness #businessadvice

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Evan Wade

@ewadeloans

10 months

@KDimitratos They’re also saying it could possibly be from a train or subway car used to create new reefs.

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Evan Wade

@ewadeloans

1 year

@JamieAnnetteHe2 Honestly, I was so young that I don’t really remember. Probably Satellite, Crash Into Me, Crush, and/or What Would You Say. I was 8 years old when Crash came out lol

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Evan Wade

@ewadeloans

2 years

@Solestio Prepping for a big conference in Vegas in 2 weeks!

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Evan Wade

@ewadeloans

9 years

Cortez the Killer with Warren Haynes...never thought I'd see the day. #DMB2sets #DMB #DaveMatthewsBand

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Evan Wade

@ewadeloans

1 year

@alexanderisora @johnrushx @mercury @immad They are. I’ve been a customer for over 2 years now with no major issues.

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Evan Wade

@ewadeloans

2 years

I know you want all of your cars back at the end of lease, but it is in my agreement that I can purchase my car. Stop ignoring my multiple purchase requests on your website, emails, phone calls, etc. RN109448134 is my reservation number, please assist me. @Tesla @elonmusk

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Evan Wade

@ewadeloans

10 months

@I_Am_GKennedy @KDimitratos They’re inviting you through Slack Connect I believe. If they invite you outside of Slack Connect you shouldn’t need to set all of that up.

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Evan Wade

@ewadeloans

1 year

@VoluntaryJoel41 @meaghancubfan @PenEE221 @ForrestSenior @SLessard Simplistic answer. Yes, while there are definitely tax advantages to “having an LLC”, that’s not how billionaires avoid paying taxes. They leverage the assets they own (whether it’s shares in their company or other companies) to take out asset-backed loans which are not a taxable

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Evan Wade

@ewadeloans

7 months

@KDimitratos @DDrolapas @epochcommercial

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Evan Wade

@ewadeloans

1 year

@KDimitratos I use

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Evan Wade

@ewadeloans

2 years

@FalakDigital @hellostartupla Building an ERP for mortgage brokers. Solves all my problems as an owner of two brokerages myself, and sharing it with everyone else. I’m a big believer in democratizing technology for small businesses.

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Evan Wade

@ewadeloans

2 years

@mjh08247 @StephenMoore And it’s not even accurate. Lol

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Evan Wade

@ewadeloans

1 year

@Meche64 @mccrystal_alex A few hours ago

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Evan Wade

@ewadeloans

3 years

Sad & accurate

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Evan Wade

@ewadeloans

2 years

@Solestio Noticed the same when I was in Colombia

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Evan Wade

@ewadeloans

3 years

I've seen a lot of chatter about @GustoHQ dropping the ball for customers as they grow. I didn't want to believe them until the last month where their service has been dreadful. Took them a month to respond to a delinquent tax notification, and then blamed us for it.

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Evan Wade

@ewadeloans

4 years

@SleipnirPerkins @clloden (1/2) What will happen as margin compression returns is the outside Loan Officers at non-bank lenders who currently compose roughly 60% market share will flock to the broker channel in droves. Maybe brokers get pinched out in 5-10 years but it’s foolish in the near term

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Evan Wade

@ewadeloans

1 year

@KDimitratos I read an article about kids who are coming of age and horrified of the oversharing their parents did on social media documenting virtually every moment since they were born…and they have zero control over it

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Evan Wade

@ewadeloans

2 years

@Gruzzly @reelbraddavis @SLessard Way cheaper than all of the artists above them, to my knowledge.

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Evan Wade

@ewadeloans

2 years

@AceJrJr @ArcainiLuke Agreed, I think it’s just supposed to bring back memories since that was a huge moment for us as Phillies fans in the 2008 NLCS.

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Evan Wade

@ewadeloans

2 years

@brianrequarth Good luck with that!

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Evan Wade

@ewadeloans

2 years

@Mitch_Broderick @LibertyAnders Agreed. I admire this because it’s not an easy decision. If it were me, I’d probably leave enough so that they can use it as seed money to start a business. They might fail, they might succeed. But I dunno if I would want them to go through what I did to build my businesses.

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Evan Wade

@ewadeloans

11 months

@KDimitratos

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Evan Wade

@ewadeloans

3 years

@tomerlondon @Jeff_Schneble @kevinbusque where are you guys?

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Evan Wade

@ewadeloans

2 years

@humaninteresthq @KDimitratos @Guideline401k @humaninterest That’s the problem. Why does it take 24 hours between every email that we go back and forth on. You raised $200M in funding back in August. Shouldn’t some of that be used to ramp up customer support so we can solve things in a day or two instead of 2 weeks?

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