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Whether Maine is a good place to live depends on your personal preferences and priorities. Maine offers several advantages, but it also has its drawbacks. Here are some factors to consider:

Pros of Living in Maine:

1. Natural Beauty: Maine is known for its stunning natural landscapes, including rugged coastlines, picturesque lakes, and dense forests. If you enjoy outdoor activities like hiking, camping, and fishing, Maine offers abundant opportunities.

2. Quality of Life: Maine often ranks highly in terms of quality of life metrics, including low crime rates, good healthcare, and a strong sense of community.

3. Four Seasons: Maine experiences all four seasons, which can be appealing if you enjoy a variety of weather conditions and outdoor activities associated with each season.

4. Education: Maine has some excellent schools and universities, making it a good place for families looking for educational opportunities.

5. Lobster and Seafood: Maine is famous for its seafood, particularly lobster. If you’re a seafood lover, you’ll find plenty of delicious options.

6. Low Population Density: Maine has a relatively low population density compared to many other states, which can mean less crowded living conditions and a slower pace of life.

Cons of Living in Maine:

1. Harsh Winters: Maine’s winters can be long and harsh, with heavy snowfall and cold temperatures. If you dislike cold weather, this may not be the place for you.

2. Economic Factors: Maine’s economy is diverse but has faced challenges in the past, including a relatively high cost of living in some areas and limited job opportunities in certain industries.

3. Rural Areas: While the natural beauty is a pro for many, it can also mean that some parts of Maine are quite rural and may lack access to urban amenities and services.

4. Tourism Impact: In some areas, particularly coastal communities, the local economy is heavily dependent on tourism, which can lead to seasonal fluctuations in job availability and increased living costs during tourist seasons.

5. Limited Diversity: Maine has a predominantly white population, which may not appeal to those seeking a more diverse cultural environment.

Ultimately, whether Maine is a good place to live depends on your lifestyle preferences and priorities. It’s a state with unique natural beauty and a strong sense of community, but it may not be the right fit for everyone, especially if you’re not fond of cold winters or prefer a more urban environment. It’s a good idea to visit and spend some time in the state to get a feel for what it’s like before making a decision to move there.

The Role of Fannie Mae and Freddie Mac on Conventional Loans. As mentioned earlier, the role of Fannie Mae and Freddie Mac is to keep liquidity and stability in the housing and mortgage markets.

• This discussion was modified 2 years, 2 months ago by  Sapna Sharma.
• This discussion was modified 2 years, 2 months ago by  Sapna Sharma.
• This discussion was modified 2 years, 2 months ago by  Gustan Cho.
• This discussion was modified 2 years, 2 months ago by  Gustan Cho. Reason: Wrong information

https://www.youtube.com/watch?v=DtNXHqWf8BE

I am a loan officer and realtor but am not too familiar with USDA loans. Anyone have information about getting qualified for a USDA loan after Chapter 7 Bankruptcy? What is the waiting period to qualify for a USDA loan after bankruptcy. What is the minimum credit scores required to qualify for a USDA loan? What are the eligibility requirements to be eligible and qualify for a USDA loan?

What is the consequences by the CFPB and state and federal regulators if a NMLS Licensed loan officer gets caught giving or receiving referral fees and kickback.

Alex Jones breaking news on Michelle Obama, Barack Obama’s transgender spouse has proof Michelle Robinson Obama is Michael Robinson Obama and is a transgender. Michelle Obama has a penis and has not chopped it off yet.

https://www.youtube.com/watch?v=ouJ_qo8YZPA

Regulators are tightening up on kickbacks

Freedom Mortgage got nailed for kickback RESPA violations. Not worth it

Have you heard the news that Illinois will allow non-citizens to become police officers? What is all that about?

Investment property mortgage loans are financial products designed for individuals or entities looking to purchase real estate properties with the intention of generating rental income or capital appreciation. These loans are distinct from primary residence mortgages and come with different terms and requirements. Here are some key aspects to understand about investment property mortgage loans:

1. Types of Investment Property Loans:

   • Conventional Loans: These are standard mortgage loans offered by banks and mortgage lenders. They typically require a higher down payment and have stricter qualification criteria compared to loans for primary residences.
   • Government-Backed Loans: Some government programs, such as FHA (Federal Housing Administration) and VA (Department of Veterans Affairs), offer investment property loan options, but they often come with restrictions and may require the property owner to reside in one of the units.

2. Down Payment Requirements: Investment property loans typically require a larger down payment than primary residence loans. It’s common to see down payments in the range of 15% to 25% or more of the property’s purchase price. The exact requirement depends on the lender and loan program.

3. Interest Rates: Interest rates on investment property mortgage loans can be slightly higher than those for primary residences. Lenders often view investment properties as riskier, and this risk is reflected in the interest rate.

4. Loan Terms: Investment property loans typically come with fixed or adjustable interest rates and loan terms ranging from 15 to 30 years. The choice between fixed and adjustable rates depends on your risk tolerance and financial goals.

5. Rental Income Considerations: Lenders may consider the potential rental income from the property when determining your eligibility and the loan amount you qualify for. They may require rental income documentation, such as lease agreements, to verify rental income.

6. Credit and Income Requirements: Lenders will review your credit history, debt-to-income ratio, and overall financial stability when evaluating your loan application. Meeting credit and income requirements is crucial for approval.

7. Property Type: The type of investment property can affect loan eligibility and terms. Single-family homes, multi-unit properties (duplexes, triplexes, etc.), and commercial properties each have their own lending guidelines.

8. Property Location: The location of the investment property can also influence loan terms. Some lenders may have restrictions or offer different rates for properties in certain geographic areas.

9. Property Management: Lenders may inquire about your property management plans. Having a solid property management strategy in place can improve your loan application’s chances of approval.

10. Tax Implications: Investment properties may have tax benefits, such as deductions for mortgage interest, property taxes, and depreciation. It’s advisable to consult with a tax professional to understand the specific tax implications of your investment property.

Before pursuing an investment property mortgage loan, it’s essential to conduct thorough research, assess your financial readiness, and consult with mortgage professionals to determine the best financing options for your real estate investment goals. Additionally, local real estate market conditions and regulations can impact your investment decisions, so it’s advisable to seek local expertise when investing in real estate.

I write many posts and I am beginning to realize that AI lacks a sense of humor. I know someone will answer me with an AI response explaining what AI is, I am ready. Can AI tell me a joke to make me laugh, or just explain what a joke is?

Here is an informative article on how mortgage lenders price mortgage rates based on credit scores.

https://www.gcamortgage.com/mortgage-rates-versus-credit-scores/

gcamortgage.com

How Lenders Price Mortgage Rates Versus Credit Scores

The way lenders price mortgage rates versus credit scores is the lower the credit scores, the higher the mortgage rates due to risk for the lender

Breaking NEWS from CEO MIKE KORTAS over the announcement of NEXA MORTGAGE 100. Effective immediately, all NEXA Mortgage loan originators who recruit one full time independent Mortgage Loan Originator and that loan officer does one loan a month in one or all three wholesale lending mini-correspondent investors (EPM, MLB, and UWM) the loan officer will make 100% of the revenues. Let’s dive into the details of NEXA Mortgage’s commission structure. If you’re a self-producing Mortgage Loan Originator (MLO) looking for a change in brokerages, NEXA has some exciting possibilities for you:

1. Base Commission:

   • The first layer of NEXA Mortgage’s compensation plan is the Base Commission. You start by selecting a margin applied to your lender-paid compensation deals.
   • While you have the flexibility to choose different margins, it’s recommended to opt for 275 basis points, which grants you 220 basis points.
   • With this competitive rate, your commissions can significantly increase, especially when closing larger loan amounts.

2. Bonus Commission:

   • NEXA rewards hard work and dedication with the Bonus Commission.
   • Once you hit $3 million in funded volume per month, you’ll receive a 100% commission on everything beyond that threshold.
   • This bonus structure motivates MLOs to exceed their targets, and the potential for increased earnings is substantial. So, the sky’s the limit when it comes to achieving higher commissions!

3. Partnership Compensation Plan:

   • Taking their commitment to growth and recognition a step further, NEXA introduces the Partnership Compensation Plan.
   • When you’ve introduced 10 Originators producing at NEXA, you become eligible for this plan.
   • Instead of waiting to hit $3 million, you get a 100% commission starting at $2 million in production.
   • This incentive encourages MLOs to contribute to the company’s success by bringing in top-performing Originators.

4. Revenue Share Program:

   • Interested in building a business within a business? NEXA Mortgage offers an enticing Revenue Share Program.
   • By introducing other Originators to NEXA, you can earn a portion of their commissions, creating a powerful source of passive income.
   • As you develop your downline and help others succeed, your Revenue Share can grow significantly.

5. Daily Payouts:

   • Gone are the days of waiting for weeks to receive your commissions.
   • NEXA Mortgage pays you daily, treating you like a realtor and ensuring you get your hard-earned money promptly1.

Remember, always do thorough research and consider all aspects before making any decisions. If you’re interested in joining NEXA, reach out to them directly to explore the opportunities further!

https://gustancho.com/career-opportunities/

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

A P and L statement mortgage loan for self-employed borrowers does not require federal income taxes and only requires a CPA letter. Does the self-employed borrower need to have an actual Certified Public Accountant write the CPA letter to the mortgage lender or can a tax preparer do it? If the mortgage lender requires a true CPA to write the CPA letter, how do I get a real Certified Public Accountant to write the CPA letter to the mortgage lender so I can get approved for a P and L statement non-QM mortgage loan for self-employed borrowers.

What type of loans can I qualify during and after Chapter 13 Bankruptcy? How long after a Chapter 13 bankruptcy can I get an FHA loan? How long after Chapter 13 can you get a VA loan? Bankruptcy Waiting Periods For VA Loans Vs. Other Mortgages. Bankruptcy Waiting Periods For FHA Loans Vs. Other Mortgages. How long after Chapter 13 can I get a home equity loan? Lenders generally require a waiting period of between one and five years from discharge or dismissal — and up to seven following foreclosure — before they’ll approve you for a home equity loan. This is because they want to be sure you’ve righted your finances and can manage new debt. What is manual underwriting and how does manual underwriting work?

• This discussion was modified 10 months, 2 weeks ago by  Ollie.

What are HUD Chapter 13 Bankruptcy dismissal guidelines to qualify for an FHA LOAN. Is there any waiting period requirements.

Becoming a Missouri State Highway Patrol (MSHP) trooper is a rigorous process that requires dedication, physical fitness, and a commitment to public service. Here are the general steps you can follow to become a Missouri Highway Patrol trooper:

1. Meet Minimum Requirements:

   • Be a U.S. citizen.
   • Be at least 21 years old at the time of appointment.
   • Have a high school diploma or equivalent (GED).
   • Have a valid driver’s license.
   • Be in good physical and mental health.

2. Gain Education and Experience:

   • While a college degree is not always required, having some college education or a bachelor’s degree can be an advantage.
   • Gain relevant work experience, such as military service, law enforcement, or public safety, which can enhance your application.

3. Submit an Application:

   • Check the Missouri State Highway Patrol’s official website for job openings and application deadlines.
   • Complete the application form and submit it along with any required documents, such as transcripts, certifications, and a resume.

4. Pass the Written Exam:

   • If your application is accepted, you may be invited to take a written examination, which assesses your knowledge of various subjects, including law enforcement procedures, reading comprehension, and problem-solving.

5. Physical Fitness Test:

   • If you pass the written exam, you will likely undergo a physical fitness test to assess your strength and endurance. This may include activities like running, push-ups, sit-ups, and other physical tasks.

6. Background Check:

   • A thorough background investigation will be conducted to ensure you have a clean criminal record and meet the department’s ethical and moral standards.

7. Interview:

   • You may be invited for an interview where you’ll be assessed for your communication skills, interpersonal skills, and suitability for a law enforcement career.

8. Polygraph Examination:

   • You may need to undergo a polygraph examination to verify the information you provided during the application process.

9. Psychological Evaluation:

   • A psychological evaluation is conducted to assess your mental fitness for a law enforcement career.

10. Medical Examination:

    • You will undergo a medical examination to ensure you meet the physical requirements for the role.

11. Academy Training:

    • If you pass all the previous stages, you’ll be accepted into the MSHP’s training academy, which typically lasts for several months. You will receive comprehensive training in law enforcement procedures, firearms, defensive tactics, and more.

12. Graduation and Field Training:

    • Upon successfully completing the academy, you will graduate and begin field training under the supervision of experienced troopers.

13. Probationary Period:

    • After field training, you will likely have a probationary period during which your performance will be closely monitored.

14. Continuous Training:

    • Law enforcement officers are expected to undergo regular training to keep their skills up to date throughout their careers.

Please note that the specific requirements and processes may vary over time, so it’s essential to check the official Missouri State Highway Patrol website or contact their recruitment division for the most up-to-date information on becoming a trooper. Additionally, meeting all the requirements and successfully completing each step of the process is competitive and challenging, so preparation and dedication are crucial.

Primary owner-occupant homes, also known simply as owner-occupied homes or primary residences, refer to residential properties that are primarily occupied by the owner of the property as their primary place of residence. These are homes where the owner lives and resides, as opposed to properties that are primarily used for rental or investment purposes.

Key characteristics of primary owner-occupant homes include:

1. Residence of the Owner: The owner of the property lives in the home as their primary place of residence. It’s where they reside on a day-to-day basis.

2. Personal Use: The property is used for personal and family purposes rather than being rented out to generate rental income.

3. Potential Tax Benefits: In many countries, primary owner-occupant homes may qualify for certain tax benefits or exemptions, such as property tax reductions or capital gains tax exclusions when selling the property.

4. Mortgage Considerations: When financing the purchase of a primary residence with a mortgage, there may be different lending terms, interest rates, and down payment requirements compared to investment properties.

5. Homeowner’s Insurance: Homeowner’s insurance policies are typically used to protect primary owner-occupant homes and their contents.

6. Homestead Exemption: Some jurisdictions offer homestead exemptions, which can provide property tax relief or protection from creditors for primary residences.

It’s important to distinguish primary owner-occupant homes from investment properties, vacation homes, or rental properties. These other types of properties are typically acquired with the primary goal of generating rental income or capital appreciation, whereas primary owner-occupant homes are meant for the owner’s personal use and enjoyment.

A VA high-balance loan, also known as a VA jumbo loan, is a mortgage program offered by the U.S. Department of Veterans Affairs (VA) that allows eligible veterans, active-duty service members, and certain members of the National Guard and Reserves to purchase or refinance homes with loan amounts that exceed the standard conforming loan limits established by the Federal Housing Finance Agency (FHFA).

Conforming loan limits are the maximum loan amounts that government-sponsored entities like Fannie Mae and Freddie Mac will purchase or guarantee. These limits vary by location and are typically adjusted annually to account for changes in the housing market. In areas with higher housing costs, such as some parts of California, New York, and Hawaii, conforming loan limits may not be sufficient to finance homes in certain neighborhoods.

A VA high-balance loan comes into play when a borrower wants to purchase a home in a high-cost area and needs a larger loan amount than the standard conforming loan limits allow. The VA guarantees a portion of the loan, which allows lenders to offer favorable terms to veterans and active-duty military personnel.

Key features of VA high-balance loans include:

1. Higher Loan Limits: VA high-balance loans have higher loan limits than standard VA loans. The specific loan limits vary by location and are based on the FHFA’s conforming loan limits for that area.

2. No Down Payment: Just like standard VA loans, high-balance VA loans typically do not require a down payment, making homeownership more accessible to eligible veterans and service members.

3. Competitive Interest Rates: VA loans often come with competitive interest rates, making them an attractive option for borrowers.

4. No Private Mortgage Insurance (PMI): VA loans do not require private mortgage insurance, even for high-balance loans. This can result in lower monthly mortgage payments compared to some conventional loans.

5. Flexible Credit Requirements: While lenders have their own credit score and underwriting requirements, VA loans tend to be more flexible than many other loan programs, making it easier for some borrowers to qualify.

It’s important to note that eligibility for VA high-balance loans is subject to specific requirements, including military service history, discharge status, and other factors. Additionally, borrowers may need to meet income and credit requirements set by the lender.

If you’re interested in a VA high-balance loan, it’s advisable to contact a mortgage lender or broker with experience in VA loans to discuss your eligibility and explore the loan options available to you. Keep in mind that loan limits and program details may change over time, so it’s essential to get the most up-to-date information when considering a VA high-balance loan.

Like to wish Alex, the three-legged Chicago Beast, Carlucci a Happy Birthday. Wish you a happy birthday, buddy.

Dino Hasapis: Real Estate Broker at Compass and National Business Development Manager at Gustan Cho Associates

Dino Hasapis is a prominent real estate broker affiliated with Compass and holds a significant position at Gustan Cho Associates. Here are the details of his professional roles and contributions:

Dino Hasapis Compass Real Estate Chicago

Position: Real Estate Broker

Responsibilities:

• Specializes in residential real estate.
• Helps clients buy, sell, and invest in properties across Chicago and the surrounding areas.
• Known for providing personalized and strategic real estate services.

Gustan Cho Associates

Position: National Business Development Manager

Responsibilities:

• Manages and expands the Verified Preferred Realtor Partner Network (PRPN).
• Works closely with real estate professionals to enhance business growth and client satisfaction.
• Focuses on developing and maintaining strong industry relationships.

Contact Information of Dino Hasapis

Email: dinohasapis@compass.com

Phone:

• Mobile: 847-687-3056
• Office: 312-319-1168

Online Profiles

• Compass Profile: Dino Hasapis at Compass
• Zillow Profile: Dino Hasapis on Zillow
• LinkedIn: Dino Hasapis on LinkedIn

Key Highlights

• Experience: Over 13 years in the real estate industry.
• Sales Record: Proven track record with hundreds of closed sales and significant total sales value.
• Recognition: Recognized as a top producer by the Chicago Association of Realtors.

Services Offered

• Residential Real Estate: Assists with buying, selling, and investing in residential properties.
• Market Analysis: Provides detailed market analysis to help clients make informed decisions.
• Negotiation: Expert negotiation skills to ensure favorable terms for clients.

Summary of Dino Hasapis

Dino Hasapis is a seasoned real estate professional known for his expertise, strategic approach, and dedication to client success. His dual role at Compass and Gustan Cho Associates positions him as a key figure in the real estate industry, offering comprehensive services to meet diverse client needs. For more information or to contact Dino Hasapis, you can visit his profiles on Compass and LinkedIn.

https://gustancho.com/dino/

Anyone have more information about Lending Network, Inc. and what type of company Lending Network, Inc. is? Who is the CEO of Lending Network, Inc.?

Two-to-four unit multi-family homes, often referred to as duplexes, triplexes, or fourplexes, are residential buildings that contain multiple individual housing units within a single structure. Here’s an overview of each type:

1. Duplex: A duplex is a two-unit building, with one unit situated on top of the other or side by side. Each unit typically has its own separate entrance, utilities, and living space. Duplexes are a popular option for homeowners who want to live in one unit and rent out the other to generate rental income.

2. Triplex: A triplex is a three-unit building, often configured with one unit on each floor. Like duplexes, each unit usually has its own amenities and separate entrances. Triplexes can provide more rental income potential than duplexes and are suitable for property investors or homeowners who want to live in one unit while renting out the others.

3. Fourplex: A fourplex is a four-unit building, which can be arranged in various ways, such as two units on the ground floor and two on the upper floor, or as side-by-side units. Fourplexes offer even more rental income potential than duplexes and triplexes, making them attractive for real estate investors.

Investing in two-to-four unit multi-family homes can be a good way to diversify your real estate portfolio and generate rental income. They often have advantages over larger apartment buildings, such as lower management and maintenance costs, and they can provide a stepping stone for real estate investors looking to enter the rental property market. However, they also come with their own set of responsibilities, including property management and tenant relations, so it’s important to consider these factors before purchasing such properties.

A two-to-four unit multi-family home is a type of residential property that typically contains two to four separate dwelling units within a single building. These units are designed to be occupied by different households, making it a form of multi-unit housing. Here are some key characteristics and considerations regarding two-to-four unit multi-family homes:

1. Unit Count: As the name suggests, these properties can have anywhere from two to four individual units, each with its own living space, kitchen, and bathroom facilities. They can vary in terms of layout, with options like duplexes, triplexes, or quadplexes.

2. Ownership: These properties are often owned by a single individual or entity, making them distinct from larger apartment buildings where multiple owners might have stakes in the property.

3. Rental Income: Many owners of two-to-four unit multi-family homes choose to rent out the individual units to tenants. This can provide a steady stream of rental income, which can be attractive for investors.

4. Owner-Occupied: Some owners choose to live in one of the units themselves while renting out the others. This arrangement can help them offset their own housing costs while generating rental income from the other units.

5. Financing: Financing options for two-to-four unit multi-family homes can differ from single-family homes. Some loans, such as FHA loans, are specifically designed for multi-family properties and can offer favorable terms for owner-occupiers.

6. Property Management: Depending on the owner’s preference and the location of the property, property management may be necessary to handle tasks like tenant screening, maintenance, and rent collection.

7. Local Regulations: Zoning and housing regulations can vary by location. It’s essential to understand local laws and regulations, such as those related to zoning, rental licensing, and building codes, when purchasing and managing multi-family properties.

8. Income Potential: The potential for rental income can make two-to-four unit multi-family homes an attractive investment option. However, the income potential will depend on factors such as location, market conditions, and the condition of the property.

9. Maintenance Costs: Owning and maintaining a multi-family property can be more complex and costly than a single-family home due to the additional units and shared spaces. Regular maintenance and upkeep are essential to keep the property in good condition.

10. Property Management: Depending on the number of units and your experience, you may choose to manage the property yourself or hire a property management company to handle day-to-day operations, tenant issues, and maintenance.

Investing in two-to-four unit multi-family homes can be a viable strategy for real estate investors looking to generate rental income and potentially build equity over time. However, it’s crucial to conduct thorough research, consider location-specific factors, and have a clear financial plan before making such an investment. Additionally, consulting with real estate professionals, including real estate agents, property managers, and financial advisors, can be beneficial in making informed decisions.

Team Amanda Witthauer is an up-and-coming star at GCA. I want to congratulate Amanda on moving from Washington to Tennessee and landing her new job as a commercial real estate agent in her new home state. She was on furlough for the past few months because she needed to relocate from Washington to Tennessee. She is ready to rock and roll, and I have the utmost faith and confidence in Amanda since day one. She has switched to become a commercial real estate agent at a prestigious, highly reputable company and was one of ten experienced agents to get hired. Very proud of her, and I would not be surprised if she becomes the top originator. Let’s all help Amanda get her the proper tools for her success: Sapna, here are the following tools needed for Amanda:

1. Landing page
2. Make the landing page with her very own Contact Us page, email, mortgage calculator branded Amanda Witthauer, Loan Limits, her apply now CTA links to her mortgage application and ordering credit, a category blog box with drop-down per month with all blogs she is an author in, link to GCA FORUMS, Resources Section.

Amanda, please work with Sapna on custom-designing your landing page. Sapna will need a detailed bio and image with original content, how you want it laid out, and verbiage, text, images, slogans, logo, etc. You can have a dba like The Amanda Witthauer Team or Amanda Witthauer Mortgage Group. We need the verbiage powered by Gustan Cho Associates-NEXA Mortgage, really small lettering for compliance reasons. If you need a two-sided business card with you on one side and me on the other, Marga can order for you if you want to be the LOA in states you are not licensed in, and I can be the LO.

Felix and Paulyn work with Amanda setting up her business Facebook page, LinkedIn, YouTube Channel, and other social media platforms.

Let’s get all the support required for Amanda and do it with style. Congratulations on your new position, Amanda, and I want to thank you for participating in the forum. You got the keys to success. Depend on where you want to take it to—the top, of course. Again, a very big congratulations to Amanda Witthauer on her move to Tennessee and becoming a commercial realtor and loan officer. The best of the best and we are all proud of Amanda.

https://gustancho.com/can-realtors-be-loan-officers/

gustancho.com

Can Realtors Be Loan Officers at the Same Time?

Can Realtors Be Loan Officers and make money on the same transaction? The dual realtor/MLO gets compensation as the realtor and loan officer.

Have you seen the commercials for HIMs and HERS? I must be missing something; I thought we were sensitive to the non-binary society? When pronouns are used like XIR or MX, I’m in a fog. Is it a certain code that only non-binary people get? Everyone wants to be identified as something. We wear T-shirts that have a message: we want to be labeled as someone unique. Why? Aren’t we happy being what God intended? How is it that today, when a child is born, the parents can name them non-brinary? Is this predestined?

I know I can rant and rave about genders; my question would be, “What does the non-binary person, {I can use person, right, I’m not offending anyone, am I?}

What happens if a HIMS takes a HERS? Or a HERS takes a HIMS? Hair growth, stronger sexual desire?

Will there be a THEMS or an ITS? Please help!

I know the difference between mortgage broker and mortgage banker. However, I do not fully understand what a mini-correspondent mortgage lender is. I know NEXA Mortgage is a mortgage broker but the sister company of NEXA which is AXEN Mortgage is a mini-correspondent mortgage lender. From my understanding, if you are part of NEXA Mortgage, you can do both mortgage broker and mortgage banker through its correspondent mortgage division AXEN Mortgage. Thank you in advance.

Please make sure all LO’s have this

How to find active builders and spec builders.

one way is to go to realtor.com, choose a large city go to filters, click home, age no min, and less than 1 year. this should list the new construction homes. get the addresses. The agent usually doesn’t want you speaking with their client, however, call the agent anyway and let them know that you can help theri builder to build more homes, and sometimes they will introduce you. if not, then do a google search for parcel search using the city, or county, and state. Usually, they have a gis map, and you can use this to locate the owner and the owner’s address, where you can further search and get a cell phone. realtor.com is a great source to see who is building where and at what price.

realtor.com

HARD-MONEY-CONSTRUCTION.pdf 465 KB PDF - Click to view

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The San Diego and Mexico border is out of control. Illegal immigrants are just walking through the Mexico 🇲🇽 and San Diego Border through homeowners private property with the U.S. BORDER PATROL not being able to do a single thing. Illegal immigrants from Mexico, Honduras, China, Poland, Russia, and hundreds of countries are crossing the border with the US BORDER PATROL stating that its local police responsibility to arrest illegal aliens from crossing the San Diego border.

https://ue.fcs.mstore.msg.t-mobile.com:443/file/P7yuMdFcF9vkIM7?client=legacy

New Hampshire is a state located in the northeastern region of the United States. Here are some key facts and information about New Hampshire:

1. Capital and Largest City: Concord is the capital of New Hampshire, while Manchester is its largest city.

2. Nickname: New Hampshire is often referred to as the “Granite State” because of its abundant granite formations and quarries.

3. Geography: The state is known for its picturesque landscapes, including the White Mountains in the northern part of the state and the Lakes Region, which includes several beautiful lakes like Lake Winnipesaukee. New Hampshire is also home to a portion of the Appalachian Trail.

4. History: New Hampshire played a significant role in American history, particularly during the American Revolutionary War. It was one of the original 13 colonies and the first to declare its independence from British rule.

5. Economy: New Hampshire’s economy is diverse, with key sectors including manufacturing, tourism, technology, and healthcare. It is known for having no state income tax or sales tax, which makes it an attractive destination for businesses and residents.

6. Politics: New Hampshire is an important state in U.S. presidential elections because of its early primary election, which often helps determine the direction of the presidential race. The state has a reputation for its “First in the Nation” primary.

7. Education: New Hampshire is home to several prestigious colleges and universities, including Dartmouth College, the University of New Hampshire, and others.

8. Tourism: Tourism is a significant industry in New Hampshire, attracting visitors with its outdoor recreational opportunities, including hiking, skiing, and snowboarding in the winter, as well as its scenic beauty and historic sites.

9. State Symbols: New Hampshire has various state symbols, including the state bird (purple finch), state flower (purple lilac), state tree (white birch), and state animal (white-tailed deer).

10. Motto: The state motto of New Hampshire is “Live Free or Die,” reflecting the state’s historic commitment to individual liberty.

New Hampshire is known for its natural beauty, outdoor recreational activities, and its role in American history and politics. It’s a state that offers a blend of rural charm and modern amenities, making it a unique place to live and visit.

How to find active builders and spec builders. One way is to go to realtor.com choose a large city go to filters, click home age no min, and less than 1 year. this should list the new construction homes. Get the addresses, the agent usually doesn’t want you speaking with their client. However call the agent anyway and let them know that you can help their builder to build more homes and sometimes they will introduce you. If not then do a google search for parcel search using the city, or county and state. Usually they have a gis map and you can use this to locate the owner and the address of the owner, where you can further search and get a cell phone. Realtor.com is a great source to see who is building where and at what price.

realtor.com