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Planning can be a helpful way to set goals and achieve them. Here are some steps you can take to create a plan and start moving forward:

1. Reflect on your values and priorities: Take some time to think about what really matters to you in life. Consider your values, passions, and the things that bring you joy. This will help guide you in setting meaningful goals.

2. Set specific and realistic goals: Break down your larger goals into smaller, actionable steps. Make sure your goals are specific, measurable, attainable, relevant, and time-bound (SMART goals). This will make them more manageable and increase your chances of success.

3. Create a plan of action: Outline the steps you need to take to achieve each goal. Break them down into smaller tasks and set deadlines for each. This will help you stay organized and focused.

4. Seek support: Don’t be afraid to reach out to friends, family, or professionals for support. They can provide guidance, encouragement, and accountability as you work towards your goals.

5. Take care of yourself: Self-care is crucial during times of difficulty. Make sure to prioritize your physical and emotional well-being. This can include activities such as exercise, healthy eating, getting enough sleep, and practicing mindfulness or relaxation techniques.

Remember, it’s important to be patient with yourself and allow for flexibility in your plan. Life can be unpredictable, and it’s okay to adjust your goals and plans as needed.

Found that HUD does not guarantee FHA LOANS DURING CHAPTER 11 BANKRUPTCY REPAYMENT PLAN. WILL GET THIS FACT CHECKED.

There is an ample supply of qualified Borrowers ready for a loan Where your Commercial Bankers have just denied them. Start calling CRE bankers today. YES, Cold Call them.

• This discussion was modified 1 year, 9 months ago by  Sapna Sharma.

Hard Money Loans at 70% LTV on investment properties non DODD FRANK. No residential property only investment properties and commercial properties. 75% LTV in Utah and Nevada
Check out our Commercial Loans threads

Wisconsin is one of 9 community property state. On FHA LOANS the spouse’s debts are included on debt to income calculations. Spouse’s debts are not included on conventional, VA, Jumbo and non-QM loans

The Lamborghini Murciélago and the Lamborghini Aventador are two distinct and iconic models produced by the Italian automaker Lamborghini.

1. Lamborghini Murciélago:

   • The Lamborghini Murciélago was first introduced in 2001 and was in production until 2010. It succeeded the Lamborghini Diablo and was succeeded by the Lamborghini Aventador.
   • The Murciélago was available in various versions, including the Murciélago Coupe and the Murciélago Roadster.
   • It featured a mid-engine layout and was powered by a naturally aspirated V12 engine, which produced different power outputs in various iterations.
   • The Murciélago was known for its striking and aggressive design, which included distinctive scissor doors.
   • It was one of the flagship models of Lamborghini during its production period and garnered attention for its high-performance capabilities and exotic styling.

2. Lamborghini Aventador:

   • The Lamborghini Aventador was introduced in 2011 as the successor to the Murciélago.
   • It, too, features a mid-engine layout and is powered by a naturally aspirated V12 engine. The Aventador has seen various iterations with power outputs, including the Aventador LP 700-4 and Aventador S.
   • Like its predecessor, the Aventador is known for its aggressive and futuristic design and its distinctive scissor doors.
   • The Aventador is a high-performance supercar that offers impressive acceleration and top speeds, making it a flagship model in Lamborghini’s lineup.

The Murciélago and the Aventador are renowned for their performance, style, and distinctive Lamborghini driving experience. These cars are often considered icons in the world of supercars and have a dedicated fan base among automotive enthusiasts. Please note that my knowledge is based on information available up to January 2022, and new developments or models may have been introduced since then.

https://www.youtube.com/watch?v=jp5FfeWTC2o

Veterans who are looking to purchase a home often wonder whether VA loans are worth it. If you have a down payment and enough income to qualify for virtually all of the available mortgage options, is a VA loan still the best choice?

How much does it cost to live in the neighborhood boundaries of Chicago’s Top Rates Public Elementary Schools?

https://www.openhausrealty.com/blog/how-much-does-it-cost-to-live-in-one-of-chicago-public-schools-top-elementary-neighborhood-schools/

What home improvements would you as a homeowner, or soon to be homeowner like to take on in 2023?

Here is the list from Angie’s List – https://www.angi.com/articles/most-popular-home-projects-2023.htm. What do you think?

Most homeowners are focusing on continued maintenance, interior painting and bathroom remodels.

Historic Summit Avenue mansions are remarkable. The home to iconic author F. Scott Fitgerald, the Summit Avenue area encompasses nearly 5 miles of the best examples of Victorian architecture in the US. Walking tours of the area are available for those who wish to learn more about the homes and their rich histories. Nearly 85% of the original structures remain intact, and there has not been a demolition of a private residence in 60 years. This is such a beautiful neighborhood sprinkled with respected colleges, universities and churches. If you are considering St. Paul as your new home the attached article is worth reading.

https://www.visitsaintpaul.com/blog/summit-avenue-history-the-story-of-saint-pauls-famous-street/

Have you ever considered buying a home in Miami? Check out the most popular neighborhoods here – https://www.niche.com/places-to-live/search/best-neighborhoods/m/miami-metro-area/

I would have ranked Coconut Grove a bit higher. I do love Brickell. Wynwood is fun. Definitely an up-and-coming neighborhood. Coral Gables is beautiful and anchored by The University of Miami.

What neighborhoods interest you? Why? Tell us what you love about them.

I have borrowers shopping for a home on “the Big Island”. In an effort to be prepared, they have started shopping for homeowners insurance. Insurance seems to be a bit more complicated in Hawaii based on topography, proximity to bodies of water and lava zones.

I would love some insight from realtors or insurance professionals. What does a homeowner need to be aware of during this process?

So often when you think of Las Vegas you think of casinos, restaurants and entertainment venues. On first glance, Las Vegas does not feel very family friendly. The truth is there are many family friendly neighborhoods offering great schools and activities. The job market is strong and property values are good. Niche list of neighborhoods can be found here – https://www.niche.com/places-to-live/search/best-neighborhoods-for-families/m/las-vegas-area/

Hartford-West Hartford is projected to be one of the hottest housing markets for 2023. What do you love about the area? Link to an interesting article below –

https://www.usatoday.com/story/money/personalfinance/real-estate/2022/12/07/hottest-real-estate-markets-2023/10837578002/

Southern Living just voted Athens Georgia the South’s best college town. Home to the University of Georgia, and their beloved mascot UGA the bulldog, Athens has it all. Night life, restaurants, a healthy economy and beautiful homes. If Athens is your home, what do you love about it? I would love some feedback from local realtors as well as residents.

https://www.southernliving.com/travel/georgia/athens-ga

Does Tennessee cap borrower paid compensation at 2%? Never heard of a state allowing 2.75% Lender Paid comp at 2.75% but lower on borrower Paid yield spread premium.

What are the maximum debt-to-income ratio requirements to qualify for jumbo loans?

The team at Gustan Cho Associates are experts in helping borrowers qualify and get approved for non-qualified no income document mortgages. We can help borrowers without traditional income sources with our no-ratio mortgage programs. A credit score over 660 is required, as well as at least one tradeline open 24 months or more. Down payments and reserve requirements will vary.

Non-QM late payment guidelines are set by individual wholesale lenders. Non-QM loans are portfolio loans and do not have uniform standardized agency mortgage guidelines like qualified mortgages. One non-QM lender can have a certain guidelines while a different lender will not. Only a few wholesale lenders will do non-qm loans for late mortgage payments in the past 12 months. In this FORUM, we will cover non-QM late payment guidelines by non-QM portfolio wholesale lenders.

Conventional loans have water test requirements. Who knows what those requirements are? Does every home need a water test? What does the coventional loan water test cost?

A tree grows not just in Brooklyn but also in New Jersey. I’m nothing special, just a 60-year-old apple tree in Northern New Jersey, yes, the Garden State. The owner of the house planted me in memory of his dad, who was an apple farmer. My Golden Delicious apples are wonderful! Local folks know of my history and travel each fall to pick my beautiful orbs of sunshine.

Cider, apple pie, you name it, I can make it. I came up from a seed, just like my parents and grandparents. My great-grandfather led the way back in the 1930s. He and his siblings had the only producing orchard during the Great Depression. They were generous with their fruit as they gave to anyone who was hungry, not like that Wizard of Oz apple tree, grumpy and cheap. They fed everyone! I was planted as a reminder of when times were difficult.

Back in those days, the highlight of the week’s work was topped off by a fresh apple pie for Sunday dinner. When I was a lad, a seedling, too young to produce a crop, I was the playground for the kids in the neighborhood. As I aged, they would climb me, tie old rubber tires from my branches and make swings. I was loved and cherished. I can’t begin to tell you the satisfaction I had watching these kids grow up. Youth was innocent. Although dirt-poor, the joys of a simple existence may be gone in today’s culture. The anticipation all week of a hot fresh apple pie gave hope on Sunday as much as going to church.

At one time, the owner’s dad had a huge orchard, but as years went on during the Depression, he lost much of it. Bank foreclosures, unable to hire workers or till the land himself, his farm shrunk, and worries of feeding his family grew overwhelmingly. When the owner’s son planted me was no longer a farmer, he became a builder, swearing never to farm for a living after seeing what his dad experienced. However, I was planted as a symbol as to not to forget.

As the years ticked away, and I was a sapling nearing the juvenile stage of my life, I gave shade for summer picnics. I also gave shelter from the storms and allowed all birds to nest in my branches and give birth to new life. My roots never faltered, and I stored water when It rained.

My crop increased every year, and soon I was producing more apples than any other apple tree. I was a great landlord, never evicting anyone. They could come and go as they pleased. Sooner or later, most would return with their families and tell of my wonderful living conditions.

Soon after my sapling period, I’m not sure when though, kids started carving their names on my trunk. I hated this, destroying my beautiful bark with crude initials. The owner’s five-year-old daughter was the first to etch into me with her initials, DM. She was barely a sapling herself when she borrowed her older brother’s pocket knife. Boy, did she get a whooping! Her DM was carved so low on my trunk that it was hardly one foot above the ground. At first, I despised this, but in time I grew fond of the daughter and felt almost honored for her to “tag” me.

I aged quite nicely during my adult years, and each year my harvest increased, and suddenly I saw an increase in carved initials. DM’s etching led the way for many other kids. DM was now three feet above the ground, and below her were her four siblings and neighboring children.

My adult years were very fruitful, but old age is rapidly approaching. I turned 50 last spring, and I am showing signs of decline. I am considered an elderly tree. My apple crop, although tasty, is less and less each year. DM’s initials are now twelve feet above the ground, and she is nearing 50 years old. The owner who planted me passed away last summer, and I am beginning to feel useless. DM’s youngest brother is 35; PA tagged me when he was 10. He is a builder just like his dad. He now owns the house that has been passed on through the generations. I am now in the autumn of my years and reaching the snag phase of a tree; I’m near death.

He wants to replant the orchard! Wow! I didn’t see that coming, but he wants to chop me down! I do not understand why? The day has come, and I am being razed. It doesn’t seem to hurt. The owner chops me down, but my roots are saved. My root bulbs will be planted throughout the new orchard; I will live longer and prosper once again.

When they cut me down, they were extremely careful not to disturb the first 12 feet of bark. The bark was gently removed, planed, and sanded down. The 20 or so initials carved into my bark created a bench. Every child’s initials since 1950 can be seen on the backing off the bench.

An engraved metal plaque also reads, “You were there when we needed you, and your roots are now our future.”

There are a lot of scums of this Earth people in existence today. There are selfish people, liars, thieves, and people with no morals who are willing to take advantage of you any chance they can. However, the world 🌎 is not all bad. There are kind people who are not selfish with a good heart. Here’s a short video clip about generosity and kind hearted ♥️ people:

https://www.facebook.com/share/v/qyV4z4c42VZEPafk/?mibextid=Ls6BEq

• This discussion was modified 10 months, 3 weeks ago by  Gustan Cho.

Climate change refers to long-term shifts and alterations in temperature and weather patterns, primarily driven by human activities. These changes can manifest over decades to millions of years and can result from natural factors as well. However, the current trend of climate change is largely attributed to anthropogenic factors. Here’s a detailed overview:

Causes of Climate Change

1. Greenhouse Gas Emissions:

   • Carbon Dioxide (CO2): Released from burning fossil fuels (coal, oil, natural gas), deforestation, and various industrial processes.
   • Methane (CH4): Emitted during the production and transport of coal, oil, and natural gas, as well as from livestock and other agricultural practices.
   • Nitrous Oxide (N2O): Released from agricultural and industrial activities, as well as during fossil fuel combustion.
   • Fluorinated Gases: Synthetic gases used in various industrial applications.

2. Deforestation:

   • Trees absorb CO2, and when they are cut down or burned, the carbon stored in them is released into the atmosphere.

3. Industrial Activities:

   • Emissions from manufacturing and energy production contribute significantly to the accumulation of greenhouse gases in the atmosphere.

Effects of Climate Change

1. Temperature Increases:

   • The Earth’s average surface temperature has risen, leading to more frequent and intense heatwaves.

2. Melting Ice and Rising Sea Levels:

   • Polar ice caps and glaciers are melting, contributing to rising sea levels.
   • This poses a threat to coastal communities through increased flooding and erosion.

3. Extreme Weather Events:

   • Increased frequency and severity of storms, hurricanes, and typhoons.
   • More intense and prolonged droughts and floods.

4. Impact on Ecosystems and Biodiversity:

   • Species migration and changes in the distribution of wildlife.
   • Increased risk of extinction for many species unable to adapt to changing conditions.

5. Ocean Acidification:

   • Increased CO2 absorption by oceans, leading to a decrease in pH levels, which affects marine life, particularly coral reefs.

Mitigation and Adaptation

1. Mitigation:

   • Reducing Emissions: Transitioning to renewable energy sources like wind, solar, and hydroelectric power.
   • Energy Efficiency: Enhancing energy efficiency in buildings, vehicles, and industries.
   • Carbon Sequestration: Planting trees and employing technologies to capture and store CO2.

2. Adaptation:

   • Infrastructure Resilience: Building infrastructure to withstand extreme weather events.
   • Water Management: Developing strategies to cope with changes in water availability.
   • Agricultural Practices: Adapting farming techniques to new climate realities.

Global Efforts and Agreements

1. Paris Agreement:

   • An international treaty aiming to limit global warming to below 2 degrees Celsius above pre-industrial levels, with efforts to limit the increase to 1.5 degrees Celsius.

2. United Nations Framework Convention on Climate Change (UNFCCC):

   • An international environmental treaty established to address climate change and its impacts.

• This discussion was modified 11 months, 1 week ago by  Gustan Cho.

One of my favorite people and mentor Kevin DeLory,

, Chief Lending Officer at Equity Prime Mortgage (EPM). Just love his messages

Hunter Biden has been convicted of guns charges. What does this mean for the Joe Biden Administration. Besides gun charges, Hunter Biden was widely reported to have been under federal investigation related to potential tax issues and making a false statement in relation to a firearm purchase in 2018, but there has been no announcement of any convictions from reputable major news sources that I can find. Unless you have a confirmed report from a trustworthy journalistic outlet, it would be premature and potentially spread misinformation to state that Hunter Biden has definitely been convicted. The investigation appears to still be ongoing based on publicly available information. Without a conviction, this hypothetical scenario would not directly impact the Biden Administration. However, if there were confirmed charges or convictions brought against the President’s son related to taxes or firearms, it could potentially become a political issue. But substantiated facts would be required before making any definitive claims. Please let me know if you have a credible source reporting a conviction that I am unable to find.

https://www.youtube.com/watch?v=wyLTLwKn5Ww

There’s a lot of talk about how Democrats are trying to destroy America. What is the 16-Year Plan? How are the Democrats trying to destroy America 🇺🇸? Why was COVID created? How was coronavirus vaccine a weapon for human depopulation?

https://www.youtube.com/watch?v=9qw0fqiP1g0

• This discussion was modified 10 months, 3 weeks ago by  Gustan Cho.

This question is for Michelle McCue. Alex and I have a disagreement on can a high school graduate qualify for a mortgage if they have a full time job after high school. I say yes because high school is treated no differently than college on the past two years of full time schooling . Please give us your take and guidelines on the loan programs. I have done loans for recent high school graduates.

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

Did you know you can purchase an owner-occupied property without income, employment or debt to income restrictions? Well, you can!

There are restrictions based on state law of course, but you can purchase or refinance a home without income or employment. Admittedly, that feels odd.  How can that be?

The lenders that provide no-ratio loan qualify the borrower based on credit and assets.

• Credit scores must be over 660
• 12-18 months of reserve mortgage payments must be documented.
• Maximum Loan to value 70% on a cash out refinance, the cash out can be used for reserves
• Rate and term refinance maximum Loan To Value of 80%
• Purchase Loan To Value 65-80%.
• The lender will verify funds electronically with a VOD (verification of deposit)
• Gift funds are allowed to 95%  – 5% of funds and reserves must belong to the borrower.
• Ability to repay is satisfied through taking the Framework home buyer’s class.

Can someone explain to me how and why our nation’s capital has such a high crime rate? They cannot even get their own backyard cleaned up and they want to reach out and touch other states.

Anyone know why mortgage lenders do not like log homes? Log homes are stronger and has better insulation.

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