ฝัง
- เผยแพร่เมื่อ 19 มิ.ย. 2024
- A Loan Officer has unlimited income potential. Think you have what it takes to be a Mortgage Loan Originator? Tune in as Dustin breaks down what it takes to enter and become successful in the business - from your ability to communicate to your attention to detail.
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This podcast is designed to educate, motivate, entertain and inspire all. Don’t let the name fool you - this is everything you should have learned in high school but were never taught. While there are episodes geared specifically towards mortgage professionals - the overall content will encapsulate the world of personal finance, career advice, sales training, business mentorship, paying off debt, increasing your credit score and much more.
Whether you’re a loan officer looking for training, career advice, a graduate looking to pay off debt or a C-Level executive looking to expand your business - this podcast has something for you.
So tune in, like, subscribe and share. By the way, we love your feedback - hit us up LinkedIn, Facebook, Instagram or TH-cam.
ABOUT THE HOST
Dustin Owen is a certified mortgage banker and a 15+ year veteran of the mortgage industry - who started his career as a loan officer - and now helps run one of the largest regions for Waterstone Mortgage. In addition to working as a mortgage professional, Dustin also owns a real estate investment company and is a venture capitalist.
John Coleman is an Emmy award-wining content creator and producer with over 12 years of experience in digital media, social media and marketing. JC has collaborated with the largest brands in the world of sports and entertainment including, EA SPORTS, NFL, NBA, NHL, FIFA, Xbox, PlayStation and Nike.
In NC, just passed my NMLS yesterday. I’m really excited because I was a finance manager at a dealership, and it hit home when you said “I was selling stuff to people that wouldn’t otherwise buy it”. Now I will be able to teach and help people that do want what I offer! Now I have to deliver 🔥🔥
Congrats Jon and welcome to the industry!
Hey! Im in the process of finishing my 20 hr course, I'm also in NC. Do you have any advice you could give concerning studying, or any advice in general? Thanks!
@@destinyveronicaa yeah absolutely. Take the exam seriously because its going to be a long road ahead if you do not pass it the first time. Take the practice exams over and over and make sure you actually understand the concepts, not just memorizing answers. Understand RESPA, HMDA, TILA, and all the regulations. There wasn't really that many math problems on my official exam, so I would worry less about those. As for the job, you will be on the phones a lot starting out and trying to drum up business. I enjoy it because I work from home, have my own schedule and talk to people that actually want to purchase, refi, or do a cash out refi. Not too much selling as long as you get them competitive terms/rates. Just need to talk to A LOT of people lol. Hope you like people!
@@destinyveronicaa Hey Destiny - sure thing! Xinnix training is a great place to start that we highly recommend!
@@jonpuente8502 How’s your expertise so far?
Your videos have helped me reach over $180,000 in trading by age 23! Thanks and Keep the videos coming. 👍🏽
Congrats ! i made a lot during covid from my passive income .
Congrats and wishing you the best .
Wow what an achievement! Best of luck for the rest of your future.
@kim sun When I was 20 ,but you need a finance Pro if you don’t want to loose and if you want to be more successful.
@kim sun Follow⬇⬇
Helping , educating and organization are up my alley. I just have to overcome being a introvert so I can self promote.
You'll get there Nikki! Day by day!
Same here!
Same here
Seriously, just noticed this was 3 years ago. 🤩 Love
We OLD AF
Hello Dustin, thank you for this video! I’m in the beginning of my MLO journey and had some fears about my personality not be what the industry expects but I recognised myself in the example of the lady (or gentleman) whose strength was the technical part. I’m extremely thorough, not error prone, quiet but sincere and your video helped me shape a vision for myself as a mortgage professional. I’m not a gregarious character but I connect and build trust in a slower, quieter manner. I’m passionate about helping people, talking about personal finances etc. What you said about sticking with it for 2 years will help me so much when I hit a rough patch 🙏🙏🙏
Hey Lana - this is AWESOME feedback! Thanks soo much for this and let us know if you ever need any additional tips! Check out the website too: www.TLOPonline.com!
Learning from the BEST!!!!!
This episode is super helpful - thanks, guys. I’m transitioning into this career field now. I’m currently working on getting an MLO license in California - so there are two of us who listen to your podcast! Thanks again.
Nice Jason - thanks for tuning in! 👍
Watching this again because I forwarded it to someone who asked me about working with me. I can't wait for the post-2022 revision of this. I've watched every episode and some 4 and 5 times. No other podcast is so helpful and honest. While a lot of mortgage companies are laying off, I still recommend this as a career but only if you're willing to listen to all of the Loan Officers Podcasts.
Thanks for your support and feedback Ruth! Make sure you check out www.TLOPonline.com for more helpful content! 👍
I'm working on my license now. I'm based out of Houston. Great advice in this video!
I am currently working with a lending company as a LO Assistant, going to take the step to study for my LO license. This video is just motivating me that much more! Thank you!
Hey Liliana - thanks for the feedback, glad we could help!
This was soooo informative. My friend just sent this to me because I told her I wanted to switch from being an Underwriter to a LO. I just started my course work to obtain my NMLS & wanted as much info as possible regarding the transition. This video gave me exactly what I needed. Thanks again!
Appreciate the feedback Monica and welcome to this side of the isle! Make sure you check out www.TLOPonline.com for more helpful content! 👍
New subscriber! In love with your knowledge! Thank you for your willingness to share!
Thank you Lili!
I'm also from San Diego. Thank you for this video!
Always the best info!!!
Great episode and something I truly needed to hear right now. Super amped up. I actually did work in this industry years ago as a young man in my mid 20's from '05-'07 and went into another industry for well over a decade (Auto sales and service for Audi and Honda most recently). I have been looking into returning to the Mortgage industry for the last 2-3 years after the 14 year hiatus from the industry (Last loan I closed was in September of '07!). What would be your best advice for me to transition back into the business in the next 6-8 months timeframe? Would appreciate any advice and thanks for your podcasts and have been listening to as many as I can find in recent months and am more and more amped to rejoin the business after listening!
I start my 20hr SAFE prep course on Monday and can't thank you enough for these videos. I have no background in mortgage or experience in finance so I was a bit worried but your podcast has already prepared me mentally and lit the fire for me to go into this next chapter in my life with all the excitement in the world. Congrats to everyone who recently got their license and experienced MLOs alike. I'm fortunate enough to have gotten hired on by a direct mortgage lender company here in Los Angeles and they're walking me through the process but I still come here daily to soak up as much as I can. Add another CA subscriber to your list! Again thank you for all the knowledge you guys share and good luck to all the aspiring MLOs!
Great feedback Janston and thanks a TON for the support! Make sure you check out www.TLOPonline.com as well for more helpful content! 👍
Hi Janston, what Company do you work with? I work at Prmg
Im im cali just passed my test today
CONGRATS!
Hey man, any insight you can offer? I'm in cali too and im interested in becoming a loan officer.
@@eddym.8117 for sure - what kind of info are you looking for? We'd be glad to help out!
@@TheLoanOfficerPodcast I have absolutely no real estate experience but want to get into mortgage industry....what should I focus my attention on very first? Any route direction you would suggest that I can work on immediately? Thank you for this great podcast btw.
@@eddym.8117 1st, find an LO or two in your local market to shadow. Use your network to find one. Spend 2-3 hours with them. Offer to buy them coffee or take them to lunch. Pick their brain. Ask them lots of questions. Start looking for employment opportunities in your market. This might mean starting as a top producing LO’s assistant / Loan Partner. Work on obtaining your NMLS license. Strongly consider investing in yourself by paying for, taking and completing Xinnix’s Ground School and Flight School. Good luck and thanks for the support!
This is the best video I may have ever seen on TH-cam.. unbelievable. Thank you guys so much.
Big ups K!
Just bumped into your channel by accident but I’ve been really intrigued by this career opportunity. I just helped my parents sell their primary residence and buy another. I’ve worked 1 on 1 with the loan officer and did enjoy the process. He’s more of a family friend since he also helped my brother. Im bilingual (I speak fluent Spanish) and educational resources in general for Spanish speaking prospects is very scarce. I’ve actually been toying around with the idea of becoming a loan officer or even a realtor and starting a TH-cam channel educating Spanish speakers. Just gotta get over the fear of putting myself out there haha
Thanks for tuning in and leaving your feedback! If you're on the fence - be sure to check out some of our other episodes. Becoming a Loan Officer is definitely a rewarding career choice!
Loved the video.
Gonna start and apprentice while working on my exit strategy of the military.
👍
Watching from the SF Bay Area! 90 days in to having my NMLS and narrowing my career down. 👍
Mortgage agent supporting from Canada
Awesome stuff
Just passed my nmls a few weeks ago and waiting for approval. Love your videos (podcasts?) and really appreciate the insight and advice as someone with absolutely no experience in the field. I am so excited to start working and learning as much as I possibly can! Thanks so much!
Hey Shelbi - that's great to hear and congratulations! Thanks for the support and let us know how we can help you on your journey!
Just know 2 future LO’s in Cali love this podcast!
Appreciate the love Martha! 🤙
I am a finance major in college and am trying to get my mortgage loan officer license this summer. I stumbled upon this while studying and found this interesting.
Hey Shane - thanks for tuning in and dropping a comment!
I work for Leverage Capital as a Loan Officer, based in Newark NJ but we provide lending nationwide. This series is my work after work! In my 3rd month now absolutely crushing it.
I'd like to emphasize how sales skills, tonality, verbosity and ability to demonstrate legitimacy of your company (not being a largely known private lender) is crucial to building rapport! Confidence and creative thinking are super important to moving deals through the pipeline.
Thank you guys!
Hey Van - thanks for support and keep crushing it!
What’s tour average income monthly or yearly?
@@deshawnwilliams9932 monthly commission, so truthfully how hard you are working is how much you will make! I wouldn't ever put my number out there personally, but it's very comfortable living, not yet hitting 6 figures!
@@JustVan12 not yet hitting 6 figures since start or are you saying your projected yearly salary isn’t near 6 figures?
@@alexruiz3957 yearly "salary" isn't quite on pace for 6 figures. Nearing month 9 now and some months better than the rest so a few months to go to change that!
I'm in San Diego myself and clicked on this podcast with the same exact questions
Hi, I’m also tuning in from California. Specifically San Francisco :)
👋
I’m 24 & just got licensed / started working with a mortgage broker 2 months ago. I was a real estate for 2 1/2 years prior to that & I feel like that gave me a super advantage in the mortgage industry. Great content!
Thanks for the feedback Erik! Let us know what you would like us to cover in 2021!
@@TheLoanOfficerPodcast How to deal with being a beginner in the industry? Dealing with inexperience
@@Officialerikledezma We got you...
@@TheLoanOfficerPodcast I am looking for the same type of content. I am in the middle of my course work and will be testing soon.
@@terrellkluting5370 Hey Terrell - we got you covered!
Awesome video
Appreciate it Timothy! 💪
I learned a lot 😊
Thank you for the video. Don't plan on trying to get into being a loan officer for home. I used to sell real estate and have for years experience and have been a retail manager the past 16 years, maybe that will help.
How can I go from episode 1 through all your podcasts in order? Also, can I get email alerts as new podcasts are available? Thanks D.O.!
Check out www.TLOPonline.com! 👀
What??? JC, no cap. 😂 Love Him. 👏🏻👏🏻👏🏻
Loved the podcast. Have been doing customer service and sales for 10+ years & everything you describes seems to be a great fit for who I am. How would you recommend someone find a coach? I’m in Orlando. Would you suggest going directly to locations and speaking with someone?
Hey Rachel - that's a great question! We offer TLOP coaching programs here: tloponline.com/coaching/ - check it out to get started! 👍
Great stuff, but there was no Ninja Selling shout out! I was waiting for it when you mentioned the Platinum Rule among a few other topics.
Is that where that comes from?
I am about to make a career change, this was great information to hear 🙏🏾
Glad we could help out!
Did you make your career change? Just curious.
WOW, this is dope. Do you guys have the podcast on Spotify?
We sure do! open.spotify.com/episode/6MJ36MksAaU8OAiCQpEPiu?si=ZiswBPbdQpmZBELCYdWL8g
Thank you for this episode, great information. I am wanting to get in to the industry. I have a bachelors in business with a minor in finance and currently work in lumber sales. Should I do my 20 hour training and get my license before applying for jobs, or should I get the license first?
First, thank you for tuning in. If you work for a bank or a bank owned lender then there is a good chance (depending on the state you live in) that you will not need a license. You will need to register with the NMLS and receive your NMLS number but no external course / test would be required. That being said, having your license gives you the most flexibility. My suggestion is to apply for jobs while studying for your license.
Hope this helps!
Great content 🔥👍🏻
Appreciate it - make sure you check out the website too: www.TLOPonline.com!
In California! Indio,Ca
So glad I found this podcast, I'm a nurse looking to make this transition
Got you! Make sure you check out the website for even more helpful content: www.TLOPonline.com!
Have you started the process of transitioning, asking because I'm doing the same, trying my best to get away from nursing
Thank you I've been thinking of learning something new and I like this but wonder if starting now if I'm too late in the game. Is the market gridlocked with so few homes for sale? And so in turn harder to close deals? Is it still worth getting into?
ABSOLUETLY 💯
Love these! Especially the ones directed at new MLO's. Just passed my NMLS and went through training at Veteran's United! Excited to continue learning from you guys and meeting more amazing and hard working people in the industry.
Appreciate the support James and welcome to the industry! Make sure you check out the website for even more content: www.TLOPonline.com
Veteran's United will assist Vets becoming an MLO?
Hey how is Veterans United working for you?
Thank you, this video is super informative and inspiring!
Do you think the path to become a loan originator can be started part time while working a full time job?
Thanks for the feedback Tri! If you want to be successful at becoming an LO, we recommend fully investing your time and energy.
I know someone who did I while working as a full time teacher a few years ago
This is really good information, I'm a new listener and I'm planning on getting my license. I'm in Fl, any
Recommendations on a good school?
Check out Bill Benson with Gold Coast.
I really enjoy this channel. Question, how common is it for companies to pay for the XINNIX training?
Thanks Angel. It really depends on the company - some do and others don't. It's not uncommon or out of the ordinary for them to pay.
Nice video!
Thanks - we appreciate the support!
Loving this podcast! Is there a difference between a loan officer and mortgage broker?
Hey Simar - thanks for the support! Yes, but no. The main functionality is the same, but how they go about underwriting and funding the loan is different. Check out this episode for additional insight: th-cam.com/video/B87_2VjCbso/w-d-xo.html
Man, really glad I found this channel. I'm currently in the midst of a major career change & just started my 20 hour course today.
I'm going to be starting in a call center, however this channel is super useful in giving me a good sense of what to expect when I ultimately transition out of this model into a more self sustaining environment.
I appreciate the insights you provide!
Glad we could help you out and good luck on your journey!
Hows the course going for you?
I'm just looking for a job opening or company, kinda hard to find a company to sponsor you when your background is in General Labor if there are any tips man that would be helpful
Love the video!! I do have a question though. As an owner of a brokerage what would a bank typically pay the owner per deal? I’m referring to basis points. Thanks
Does anyone know? I would like to know also.
Hey Jay - thanks for the feedback! If you own your own mortgage brokerage then the lender you broker to will pay you a max comp of 275bps. From this 275bps you will have to cover all overhead including LO compensation assuming you have other originators working for you.
@@ashleywhite3515 Got you!
@@TheLoanOfficerPodcast thanks for the reply. 🙏
Loved the information. You delivered it well. You should be a teacher in Higher Ed.
🎓
Thank you. Maybe if I win the lottery...:-)
Im from Cali !
I have no financial background but willing to change my career into real estate. I'm looking into loan officer. Do you think I should be working as a mortgage loan originator first, to earn experiences? Or go ahead and get MLO license? Thanks!
Hey Wendy - check out this episode - it might help answer some of your questions: th-cam.com/video/fntVlUlx6x8/w-d-xo.html
Do you see any value to starting as a bank teller before moving toward mortgage lending?
Hey Chris - not really. Someone would be better suited being a Loan Officer Assistant, Loan Partner, Jr. Processor, Marketing Assistant or any other entry level role within the mortgage space if a career in the mortgage industry is what they fancy. That being said, there is a path to mortgage by starting as a teller; it is just not my preference.
Hey Im near ucf wanted to see if you are free for lunch sometime and learn more about mlo
Hey I’m Steve i a real estate agent but I’m interested in getting my mlo but what education requirements do I need
Hii! I’m 18 and I will be taking the exam soon to get my license. I graduated highschool with a medical degree and most of my experience working is costumer service and working in a warehouse. How would I land a job without having much experience in the industry?
Very informative, and honest video. I'm considering career change options, and this video has provided me with information to help me decide whether or now this would be a good path to follow. Thank you.
Thanks for watching and giving us your feedback! Good luck on whatever you decide to do!
Great info!! New sub. I check all the boxes personality-wise. Only thing I have a hard time with is working outside business hours- if anyone has input on this/ working weekends nights, how necessary is it in this profession??
Is it mandatory to put in the work after hours if you really want to the results you see on TV and when they lie to you on social media. 😄
lol thanks for the response. I am a hard worker, I love work, it's not that. I have a personal rule not to do paid work on the "Sabbath" (Saturdays). God rested on the seventh day, so should I is how I see it. I am new, but so far, my clients have been understanding with that boundary, which I appreciate, so I'll keep doing my thing. Love the podcast,@@TheLoanOfficerPodcast
Loan officer in the making over here! 😁🤑
LFG!
Thank you for this informative video. Would you recommend attaining your license first and then starting out as an assistant, or attain the assistant job first and then the license? This is coming from someone who is looking to make that career change and is looking for direction on the first steps.
My take: If you want to be an LO, be an LO. Go for it. Attack that mountain. Get your license. Take a course like Xinnix Ground School and begin networking and marketing yourself like crazy and grind it out for the next 24 months.
Great video. Are you able to list the companies/coaching programs you mentioned?
Hey Demetreana - thanks for the feedback! Check out our latest vid - might have what you're looking for: th-cam.com/video/fntVlUlx6x8/w-d-xo.html
What a great podcast! Is this career suitable for non-native English speakers. I speak English, but I'm a bit worried about my accent. Will people trust me?. I speak 4 languages, and I have all the MLO required skills. Your input is much appreciated
Hey Sarah - First, thank you for indulging in our show. Great question as well as a tricky question. Full disclosure, your accent will make building trust with some folks harder. That is just a fact. I don’t like it but I believe it to be true. However, never let that stop you. There are plenty of top producers out there where English is their second (or 4th) language. Question for you…how do you turn your languages into a strength? If Spanish is one of your languages, then you have a huge leg up as the Hispanic market is the fastest growing demographic for homeownership. Speaking Mandarin, French / Creole, Vietnamese will also open doors for LO’s to becoming THE trusted advisor in a certain community. Lastly, if you are truly worried about conducting business in English and you feel you have a thick accent, there are courses you can take where you can work on your accent so you sound more “North American”. Actors and Actresses, do it all the time.
@@TheLoanOfficerPodcast ,
Thank you so much for your encouragement, it means a lot. I actually speak Arabic, French and Berber (North African language) and English.
@@soussou1977 Of course - we got you!
@@TheLoanOfficerPodcast
Could you please do a video/podcast on how to become a broker
@@soussou1977 To my knowledge, there is no real difference to becoming an LO or becoming a broker. For many of us it starts with studying for and passing an NMLS exam. I am currently looking for an subject matter expert to interview on the show who specializes in teach the NMLS course and had tips / tricks / best practices to passing the exam. From there, whether you work as a broker, a bank LO, a builder LO, a credit union LO, or a Mortgage Loan Originator for an Independent Mortgage Banker is all personal preference.
Great podcast! A question I have is how does a younger man with no connections get a mentor or coach? I'm 18 and in college studying finance, but I'm genuinely interested in the mortgage industry and I need to get into it. Do you know how to find a mentor that will let me train under them?
LinkdIn message someone that is an alum and see if they can connect
Look for positions as a Loan Officer assistant. Work that for 18-36 months and then look to expand.
@LONE WULF IN THE CUT Done!
I'm from Cali
Is it easy to find jobs in this career
What "ground school" and "flight school" are you referring to exactly?
Hey Danny - we are referring to Xinnix Training. www.xinnix.com/
Great video
Thanks - we appreciate the support!
@@TheLoanOfficerPodcast I have a question ! When studying for the license should I be writing evreything down? I feel like. I’m writing to much I did 5h and 20 pages just for RESPA I feel like I’m going to slow ? Or should I just go along with the 20h course when it starts tonight ? I purchased the 14d on course learning and Compucram today
20 pages on just RESPA is a bit much😊. You should know each topic enough to explain it to a stranger sitting next to you on a plane flight but not so detailed that you could write a dissertation on it. Stay with the 20 hour course. On a high level know what it is, why it is in place and what it does. Notes should be 3-7 bullet points.
@@TheLoanOfficerPodcast I’m really disappointed I signed up for on course thinking it would be videos and it’s all just reading so I’m not sure what to even note take haha there r 40 pages to read for respa
I am MLO License but I need training from start of a loan to the closing. Where can I get this lessons?
Check out Xinnix!
I've heard an MLO should strive to call 100 contacts a day. What are the nature of these calls exactly? Because with the other tasks that need to be taken care of as well it seems like a lot of time spent. I'm just curious.
Hey James - check out this episode, might give you some helpful insight: th-cam.com/video/-wvzVrhO7xk/w-d-xo.html
Hello! I don't have a sales background but I have a degree in healthcare management. How hard do you think it would be to find an employer since I don't have the experience?
Hey Shannon - Cliché to say but…”if there is a will there is a way.” Meaning, yes, someone will hire you. You may need to be willing to start out entry level (Loan Officer’s Assistant) or you may have “sell yourself a little more”. My selling yourself I mean: Show up already having your NMLS, show up already having taken and passed Xinnix’s Ground School and/or Flight School or something equivalent. (The Mortgage Banker’s Association offers trainings too. Their website is www.MBA.org), show up with a list of 100 friends and family you plan to call / market to, show up with the name and number of someone needing / wanting a home loan, show up with a list of 100 Realtors you plan to call on / market to…
@@TheLoanOfficerPodcast Thank you so much
@@shannonwiseman706 Anytime!
Dang I’m a construction worker and I want to switch ships. Just have no clue what to do to become a LO.
Hey Kevin - listening to this podcast is a great first step! 🤙
What about being dual? Real estate agent and LO? Any videos on this?
Hey Emerson - we haven't done any episodes on this specific topic, but we'll se if we can get a subject matter expert on to talk about it! Appreciate the suggestion!
@@TheLoanOfficerPodcast Most likely won't...I am not a fan. I believe you should pick one and dominate that space. Become an expert.
Hello does anyone have any recommendations on how to be a Loan Officer Assistant? I’m in Colorado
Becoming someone’s LOA should be pretty easy as it is an entry level job that can become so much more…Join a local Facebook group for local real estate professionals and lenders and post that you are looking to enter the mortgage industry and think you’d be perfect as an LOA. Then, be sure to give three reasons why…(i.e. you love customer service, you are organized, you’re a solid problem solver etc.) Or, Google “mortgage loan originator” in your market and start calling. Again, explain who you are, what you are looking to do and why you are worth an interview. Finally, work your circle of influence. Tell those folks what you are looking to accomplish and ask who they know that they could connect you with…
Thank you so much I really appreciate your time and information you share on your channel! Keep up the good work!
Im all those things but I need to get my lingo down better, but I’m new ( green )
Just keep at it and it will become second nature!
If I'm not looking to do this long term just to help people and make money to fund something else is it still worth it
Hey Max - it can take at least two years before you can build a solid book of business - not to say that there are some folks who crush it right out of the gate. 🥁
What about solving a Rubik's cube? I love solving them. In 3 months I got my solve times to under 90 seconds... not "wildly successful" compared to those who can do sub 10 and sub 5 second solve times, but still successful... and I have a life lesson narrative that I can give that goes along with the solve. :)
🧩
I am Maria Martinez,from Las Vegas Nevada.
Are yall hiring ???
I am prepared. Can anyone give advice I am not focus
👍🏽🙏🏽
Hey I just wanna know what education requirements do I need to become a mlo can anyone get it ? Like the real estate agent license? I’m alright a real estate agent
No educational requirements!
@@TheLoanOfficerPodcast thanks 🙏
@@TheLoanOfficerPodcast so there are no education requirements in order to become a licensed mortgage loan originator in New York or anywhere else ?
Is it more possible to make 1 million a year as real estate agent or mortgage broker ?
Hey Kevin - yes it is possible, with hard work and commitment.
@@TheLoanOfficerPodcast More possible in mortgage in my experience.
Is 39 too old to start?
Absolutely not!
@TheLoanOfficerPodcast I've been doing nursing and sometimes I look elsewhere for another well paying career.. I'm shopping for work lol
"that's a loan that my 12 year old daughter can do" wow. arrogant.
just cappin his a$$ off.