The Big Short (2015)
Rafe Spall: Danny Moses
Photos
Quotes
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Mark Baum : I don't get it. Why are they confessing?
Danny Moses : They're not confessing.
Porter Collins : They're bragging.
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Danny Moses : You're completely sure of the math?
Jared Vennett : Look at him, that's my quant.
Mark Baum : Your what?
Jared Vennett : My quantitative. My math specialist. Look at him, you notice anything different about him? Look at his face.
Mark Baum : That's pretty racist.
Jared Vennett : Look at his eyes, I'll give you a hint, his name is Yang. He won a national math competition in China! HE DOESN'T EVEN SPEAK ENGLISH! Yeah I'm sure of the math.
Ted Jiang : [to camera] Actually, my name's Jiang and I do speak English. Jared likes to say I don't because he thinks it makes me seem more authentic. And I got second in that national math competition.
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Mortgage Broker : So, is Morgan Stanley recruiting us? Is that...
Porter Collins : Oh, no. No. The bank owns our hedge fund but we're not really a part of it. We invest in financial service companies and we're trying to understand the residential mortgage business.
Mark Baum : How many loans do you write each month?
Mortgage Broker : Pffft! About sixty.
Mark Baum : What was it four years ago?
Mortgage Broker : Ten... maybe fifteen.
Mortgage Broker : Yeah, I was a bartender. Now I own a boat.
Danny Moses : You own a boat? So how many of these are, uh, adjustable rate mortgages?
Mortgage Broker : Well, most. Yeah, I'd say about ninety percent. The bonuses on those skyrocketed a few years ago. Adjustables are our bread and honey.
Danny Moses : So do applicants ever get rejected?
Mortgage Broker : [laughs] Seriously? Look, if they get rejected, I suck at my job.
Danny Moses : Even if they have no money?
Mortgage Broker : Well, my firm offers NINJA loans - no income, no job. I just leave the income section blank if I want. Corporate doesn't care. These people just want homes, you know, and they just go with the flow.
Danny Moses : Good for you.
Mark Baum : Your companies don't verify?
Mortgage Broker : If I write a loan on Friday afternoon, big bank will buy it by Monday lunch.