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Who Reports Bankruptcies to the Credit Bureaus?  How and why do bankruptcies show up on the credit report? Why is it that sometimes they do not show up?

One of the greatest benefits for homebuyers in Illinois is property taxes in Illinois are paid in arrears. Home buyers in Illinois get property tax prorations in Illinois because property taxes are paid in arrears. Homebuyers in Illinois can use property tax proration credit towards their down payment on a home purchase. You need to show you have the down payment but you do not need to bring that property tax proration credit at title company to use for your down payment. We will cover property tax proratikon in Illinois in this thread so homebuyers sellers, loan officers, and realtors fully understand.

This topic on non-QM loans after bankruptcy with no waiting period requirements is mainly addressed to Michelle McCue. Michelle, it has been a while since I kept up to date on non-QM guidelines on mortgages after bankruptcy and foreclosure. Do you know the credit score, down payment, credit requirements, and waiting period on non-QM loans after bankruptcy or bankruptcy?

• This discussion was modified 2 years, 3 months ago by  Gustan Cho. Reason: Forgot to check NOTIFY ME BOX
• This discussion was modified 2 years, 2 months ago by  Gustan Cho.
• This discussion was modified 2 years, 2 months ago by  Gustan Cho.

What types of jumbo loan options do self-employed borrowers have?

What are the minimum credit and income standards to qualify for a jumbo loan?

USDA loans do not require any down payment, and you can cover closing costs with seller concessions of up to 6%. Seller concessions are the credit sellers offer homebuyers as an incentive so the homebuyer does not have to come up with any money on a home purchase with USDA loans.

Non-QM lenders are portfolio mortgage lenders, which means they fund their mortgage loans and either keep them in their portfolio or sell it on a private secondary market to institutional investors, insurance companies, money managers, or hedge funds.

• This discussion was modified 2 years, 3 months ago by  Eric Jeanette.

Non-QM loans or Non-Qualified Mortgages are portfolio loans that do not conform to Fannie Mae or Freddie Mac agency mortgage guidelines. Here are examples of non-QM mortgage loans:

How much are the down payment requirements on jumbo loans?

Many people use Credit Karma to check their credit scores. However, when they begin working with a lender, they find out their scores are lower.

Is Credit Karma accurate?

• This discussion was modified 2 years, 2 months ago by  Eric Jeanette.

Is Kamala Harris the best candidate The Democrats have to face former President Donald Trump for 2024 Presidential Election? Are the Democrats that desperate of having a semi-descent candidate for President? Do Democrats think the American people are that stupid? Do Democrats need to name Kamala Harris, the person who slept her way up the political latter? Kamala Harris slept with former San Francisco Mayor Willie Brown to kick off her political career. Kamala Harris is not too smart. Many people cannot believe how she even became a lawyer let alone District Attorney of San Francisco, Attorney General of California, United States Senator, and Vice President of the United States. Now she is running for President? OMG. What has Kamala Harris ever achieved in her political career. Watch this video clip about Kamala Harris.

https://www.youtube.com/live/RcsRfo16ZC8?si=gFA0rsAlw8iu0KLU

What do mortgage underwriters ask for CPA letters from self-employed borrowers?

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

How is the National Realtor Association ruling affect real estate agents making money especially buying agents. Thank you in advance.

What common issues should I expect when renovating an RV?

Which of the Following Statements are True About Credit Scores?

A. Your credit scores tell creditors whether you are more or less of a risk

B. When applying for a mortgage, credit scores have a huge impact on what your interest rate will be

C. It is possible to improve your credit without paying for credit repair.

D. All of the above

• This discussion was modified 2 years, 2 months ago by  Eric Jeanette.
• This discussion was modified 2 years, 2 months ago by  Eric Jeanette.
• This discussion was modified 2 years, 2 months ago by  Eric Jeanette.

Once credit is cleared/ improved could I be approved in the state of Texas for Mortgage loan originator license? As far as the states that was mentioned, California, Illinois, & Arizona would I have to hold or establish a residency to qualify? Also I’m interested in the commercial loan officer opportunity. What is the process, and would it give me the experience and expertise needed to becoming a licensed mortgage originator ? Thank you for your time and I look forward to your reply!

Respectfully,
Vernise Green

This is the story of United Airlines flight 1175 from San Francisco to Honolulu, Hawaii. A perfectly smooth flight… followed seconds later by a violent explosion, an almost uncontrollable aircraft…and vibrations…. So many vibrations… Whatever caused this, wasn’t described in any manual.. and as the aircraft started pitching down, the pilots knew that there was only a cold, wavy ocean below them.

https://youtu.be/6yaEYs1rKak?si=rTtPes-J_XF_HdDU

Breaking: The World’s 🌎 🗺 🌏 🌐 🌍 MOST UNLIKED & THE WORLD’S BIGGEST LYING HUMAN BEING, KAMALA HARRIS has gone postal folks. The fact-checked incompetent Kamala Harris has exploded 🤯 💥 😳 😂 and 🇺🇸 had her Howard Dean moment and it has been recorded on video. This is breaking NEWS and the American people can now see that it is NOT just President Joe Biden has mental illness and mental stability issue. Please click 🙏 the video link below:

https://rumble.com/v5j7joc-kamala-harris-just-had-her-howard-dean-moment…-shes-done.html

rumble.com

Kamala Harris just had her "Howard Dean" moment... she's done

This was Kamala Harris' "Howard Dean" moment.

“Usually the disinformation we saw was pro-Trump… We’ll investigate, and then it goes just up to another team to take it [the post] down,” admits Matthew Fowler, a Software Engineering Manager at Meta, during an undercover date with an O’Keefe Media Group journalist. Fowler emphasized that Meta’s investigations often rely on mainstream media for verification, stating, “The news is going to do their job, and then based on what the outlets say… you have to trust that.”

Plamen Dzhelepov, a Machine Learning Engineer at Meta, agreed, “Meta has the right to suppress anything,” acknowledging the company’s political bias by noting, “they’re biased if they do that against the Republicans.” Dzhelepov detailed Meta’s censorship capabilities, confirming they target “crazy conspiracy right-wing people,” actively demoting their opinions.

Michael Zoorob, a Data Scientist at Meta, described the fact-checking process, stating, “the fundamental problem is that… the vast majority of what fact-checkers label as false is shared by conservatives,” admitting that any policy demoting content labeled false by fact-checkers disproportionately affects conservatives.

When addressing misinformation, Dzhelepov explained Meta’s approach: “it’s either censored or it says a [community note] thing, where it says, ‘this is disinformation, it’s probably fake’ under the post,” adding that Meta “actually suppresses certain voices.” Zoorob also recalled how Meta had downranked the Hunter Biden laptop story upon the FBI’s warning, stating, “We just downranked it,” making the post less visible in users’ feeds.”

https://youtu.be/raKq0yKadSk?si=g8EjZPP_iY7VeT4d

What does art contribute to the world’s economy?

How do I finance a pole barn building?

What Do Urban Planners Do?

How do I file my federal income tax return?

What is Capital Gains Tax?

What is Federal Income Tax?

What are the most common health issues in cats?

What should I look for in a Toy Poodle breeder?

What are the best tips for renovating an old RV?