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Can you buy a home from a relative using a VA loan?

This is a skill that every homeowner should learn. If you follow the steps carefully and safely cut the power before doing anything, then you can do this yourself.

Who feels comfortable wiring a light switch?

Do first time investors have to put more or less down on their first investment purchase? Are there down payment assistance programs for investment purchases?

Scientists still have not figured out the missing link in our evolution. I know a few people who look like they are only the second generation in their family that has been standing up straight. There is an obvious gap in the evolution chart.

So, there are a lot of theories. I think the missing link is an extra terrestrial. They came here and started to breed with earth’s inhabitants. We have seen cave drawings in ancient caves and even in the pyramids.

What do you think? What or who is the missing link?

Here is my Ferrari F40 Supercar

https://fb.watch/olpywYwpgh/?mibextid=Nif5oz

Had a memorable great lunch with my two son’s Kristian (32 years old) and Tim (30 years) at Iron Age Korean Steak Restaurant for Father’s Day 2024. Tim called me last week extend an invitation for today at 11:30 am with Kristian. Iron Age Korean Steak House was near the corner of Lake Avenue and Milwaukee Avenue in Glenview, Illinois, an area I grew up but have not been there in decades. Had a great duper memorable lunch. Tons of food, great food, had a few drinks, smiles, and tons of good ole fashing laughs and more laughs. Busted Timothy’s chops and had a great time. Love you Kristian, and Tim. Missed my oldest daughter Monica but got a text from her. Monica lives 5 hours north. North of Wisconsin Dells, Wisconsin. Need to find time to go visit Monica and my new grandson, Alex. Thanks again, boys. Love you and had a great time and enjoyed every minute of it. Love you tons. Enjoy the rest of your Sunday and have fun and be safe. Talk to you, soon. Tim, send me video clips of your two cats. The cats you taught how to play fetch, bark, and act like a dog. Lol. @Chotime @Kristian

https://maps.app.goo.gl/g6fJQfMPDfPjHCGs5?g_st=i

• This discussion was modified 10 months, 3 weeks ago by  Gustan Cho.
• This discussion was modified 10 months, 3 weeks ago by  Gustan Cho. Reason: Forgot image
• This discussion was modified 10 months, 3 weeks ago by  Gustan Cho.

Google suggests using a non-toxic glue to make cheese stick to pizza. That’s SLOP, the new SPAM. Yesterday’s article in the New York Times by Benjamin Hoffman writes how SLOB appears out of no where and looks legit. Tech companies are looking for new AI search engines. When you start a search the AI will give you, what it thinks you want. Overall its being represented as a bug that inverts what you are searching. You don’t know what’s real or not, they appear in emails and messages. Be careful of SLOP, you never know when it happens, is this post SLOP?

For sometime now I have lost many a tee shirt to these mystery holes mainly in the same spot, toward the bottom. Could be one small or many holes. I have heard many theories such as , moths, belt buckles, shirts tucked in, seatbelts, bleach , washing machine even rubbing up against a counter. I don’t think it’s necessarily any of these things because men’s shirts don’t get them! I think it’s the cheap quality of the material and weaving being used. Woman typically buy more clothes than men so sell women cheap quality Tee shirts as they will just throw them out and spend money again and again for the same favorite shirt!

What types of jumbo loans are there, and what are the lending requirements to qualify for jumbo loans?

It is fact checked that 100% of the dogs are Democrats. Here is a Pulitzur Winning Song about how canines are all Democrats and expect free things in life and do not work for things they need or want. So if you love dogs, you love Democrats:

https://www.youtube.com/watch?v=H3VLqLLWxbQ

The two days out of the year when suddenly NO ONE is confused about what a man and woman is.

Last week FED CHAIRMAN Jerome Powell announced interest rates will not be cut this year because the economy is in pace on recovering. Inflation has dropped but it’s slightly higher than the 2.0% target. Inflation is at 3% and unemployment rate is at 4 25% which means the economy in the United States 🇺🇸 remains strong. Jerome Powell keeps on lying on national television. The same is true with Joe Biden, Janet Yellen, and hundreds of Democrats on national television. Joe Biden is busy traveling the United States 🇺🇸 campaigning he is the Navy Seal of Fighting Inflation with his Bidenomics. Dementia Lying Cheating Joe Biden aggressively is lying that he took Inflation from 9% when he took office to under 3.0%. All of these clowns are just a joke. Have they not seen prices of goods and services? Ridiculously outrageous. Mortgage loan applications are the lowest in 30 plus years. These numb nuts are destroying America. We need competent politicians and not politicians who never held a job and have been leaching off taxyers for the past 60 years.

• This discussion was modified 10 months, 3 weeks ago by  Danny Vesokie | Affiliated Financial Partners.
• This discussion was modified 10 months, 3 weeks ago by  Danny Vesokie | Affiliated Financial Partners.

There are mortgage lenders that have no overlays on VA loans. Lender overlays are higher lending requirements set by individual mortgage lenders above the minimum agency guidelines from the Veterans Administration on VA loans.

What’s going on in this country. We have serial police inpersonator Jeremy Dewitte and now we have a civilian wearing a full set of Army Uniform shopping on black Friday impersonating a Army Ranger with a purple heart 💜 and other combat patches. What is this guy doing. Chubby fellow who is definitely quite obese to be an active duty Army Ranger. What is he doing? What scam does he want to pull? Is he going to commit a crime? Does he want to pick up little girls or little boys? Does he want free food?

https://www.facebook.com/share/r/C9spumr2GqqegA7M/?mibextid=D5vuiz

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Fake' army ranger busted | 'Why don't you just admit you're a phony?' 😠 | By Daily Mail | Facebook

'Why don't you just admit you're a phony?' 😠

Veteran Class A Actor Kevin Spacey loses his house due to non-payment and got his Baltimore Maryland home foreclosed on. Kevin Spacey avoided bankruptcy up to today but may need to file in the coming weeks or months. Asked how much money he has, he replied NOTHING. There is a lot of talk, rumors, accusations, and news reports alleging Kevin Spacey being one of the most notorious child molesters and pedophiles in the world. Here’s a copy of a recent interview of Kevin Spacey and a reporter.

https://www.facebook.com/share/r/7TPvuyVjNncq12he/?mibextid=D5vuiz

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#KevinSpacey breaks down telling #PiersMorgan he’s losing his home and is millions in debt. #trending #fyp #interviews #spacey #houseofcards #moviemagicwithbrian #foryou #foryourpage #foryoupage #movie #moviesmagicwithbrian #cinema #motionpictures | Movie Magic With Brian | movie.magicwithbrian · Original audio

#KevinSpacey breaks down telling #PiersMorgan he’s losing his home and is millions in debt. #trending #fyp #interviews #spacey #houseofcards #moviemagicwithbrian #foryou #foryourpage #foryoupage...

G-7 is supporting Black Rock buying World’s Infrastructure. The more land and real estate they buy, the more control Blackrock will have. Bill Gates, who is an outspoken supporter of human depopulation has started buying farm land in Arkansas and other states so he can get control of the nation’s food supply thereby controlling population in the United States. This is a disgusting act of malice because I think he’s planning on starving people to death.

https://rumble.com/v51svc4-neo-feudalism-g7-supports-blackrock-buying-up-worlds-infrastructure-to-make.html

rumble.com

Neo-Feudalism: G7 Supports BlackRock Buying up World's Infrastructure, to Make Rich Even Richer

Neo-Feudalism: G7 Supports BlackRock Buying up World's Infrastructure, to Make Rich Even Richer - POLITICIANS HAVE SOLD US OUT - BILLIONAIRES ARE BUYING YOUR FUTURE - 16,254 views • June 15, 2024 Geop

https://www.youtube.com/watch?v=XPBuOtUdm30

If this doesn’t imply my landscaper has ADHD, I don’t know what does. I had to hire a temporarily landscaper from a Craigslist ad to help me with mowing the lawn for $25 dollars for the job and this is what I get.

I am calling the next Supercar to skyrocket in value to be the 599 GTB Ferrari V12 supercar. The Ferrari 599 GTB Fiorano is a high-performance sports car produced by the Italian automaker Ferrari. It was manufactured from 2006 to 2012. The “599” in its name refers to the engine displacement, with a 6.0-liter V12 engine under the hood. The “GTB” stands for “Gran Turismo Berlinetta,” which is a term often used by Ferrari to denote their two-seater, front-engine, and rear-wheel-drive sports cars.

Key specifications of the Ferrari 599 GTB Fiorano include:

1. Engine: The car is powered by a naturally aspirated 6.0-liter V12 engine, which produces a substantial amount of horsepower and torque. The engine is known for its fantastic sound and delivers exhilarating performance.

2. Performance: The 599 GTB can accelerate from 0 to 60 mph (0 to 100 km/h) in around 3.7 seconds and has a top speed of approximately 205 mph (330 km/h).

3. Transmission: It typically comes with a 6-speed manual gearbox, although an F1 automated manual transmission is also available, providing paddle-shift capability.

4. Handling: The car features advanced suspension technology and active aerodynamics to enhance its handling and stability at high speeds. It has been praised for its balance and precision in corners.

5. Design: The 599 GTB Fiorano features a sleek and aerodynamic design, with distinctive Ferrari styling cues. Its front-engine layout gives it a long hood and a classic GT profile.

6. Interior: Inside, it offers a luxurious and driver-focused cabin with high-quality materials and various customization options.

7. Technology: The 599 GTB includes various technological features, including a modern infotainment system and driver aids to enhance the driving experience.

Please note that my knowledge is based on information available up to January 2022, and there may have been updates or newer models released since then. Ferrari often produces limited-edition and special variants of their vehicles, so it’s a good idea to check the latest information directly from Ferrari or a reliable automotive source for the most current details on their models.

https://www.youtube.com/watch?v=7VUN9-d9veY

What are mortgage rates on jumbo mortgages versus traditional conforming home loans?

Brian Adams has many songs love and it never gets old.

https://youtu.be/s6TtwR2Dbjg?si=JCGTwDmthn3H2yIx

Kamala Harris, is it racism?

Who is Kamala Harris? A vice president who hasn’t achieved much. She is a heartbeat away from being president. If Biden doesn’t run in November, she may be running in his stead. Every time I look up information on her, all I find is the following: The first female African American to hold the office of vice president That’s her claim to fame, and I take issue with that claim. Also, what is she? Her mother, Kamil, is from India, which makes her Asian; her father, Donald, is, get this, Afro-Jamaican with Irish ancestry. I will assume she is a woman. Why isn’t she the first Irish-Jamaican-Asian? You list the adjective first: I’m Italian American. An American by birth, a Native American is what I am. Granted, she was born in Oakland, California, apparently of many different ancestors. Why does Africa come first? She’s barely African; has she been there? I’ve been to Italy many times. I don’t play it up; it’s obvious I’m Italian. My wife’s DNA states she is 2% Polynesian; she can’t relate to that; she’s Ukrainian and Slovak. Would my wife be Polish or Polynesian? My DNA says I’m 20% Greek. Southern Italians and Greeks have been screwing around with each other for a long time. Africa is just 30 miles from Sicily. I have black cousins! Are we Afro-Italianos? Everyone here is from elsewhere. The party plays the female race ticket; just give them a minority, and they will vote them into office.Kamala Harris, is it racism?

Who is Kamala Harris? A vice president who hasn’t achieved much. She is a heartbeat away from being president. If Biden doesn’t run in November, she may be running in his stead. Every time I look up information on her, all I find is the following: The first female African American to hold the office of vice president That’s her claim to fame, and I take issue with that claim. Also, what is she? Her mother, Kamil, is from India, which makes her Asian; her father, Donald, is, get this, Afro-Jamaican with Irish ancestry. I will assume she is a woman. Why isn’t she the first Irish-Jamaican-Asian? You list the adjective first: I’m Italian American. An American by birth, a Native American is what I am. Granted, she was born in Oakland, California, apparently of many different ancestors. Why does Africa come first? She’s barely African; has she been there? I’ve been to Italy many times. I don’t play it up; it’s obvious I’m Italian. My wife’s DNA states she is 2% Polynesian; she can’t relate to that; she’s Ukrainian and Slovak. Would my wife be Polish or Polynesian? My DNA says I’m 20% Greek. Southern Italians and Greeks have been screwing around with each other for a long time. Africa is just 30 miles from Sicily. I have black cousins! Are we Afro-Italianos? Everyone here is from elsewhere. The party plays the female race ticket; just give them a minority, and they will vote them into office.

Real estate investors benefit from using fix and flip loans by getting a mortgage for the cost of the acquisition of the property and the cost of construction all in one loan closing. Once the property has been renovated, the investor will sell it for a profit. Many investors, including novices, can get fix and flip loans and start investing in distressed properties.

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There are always two types of costs when you buy a house. There is the down payment and the closing costs. The down payment is a fixed dollar amount. The minimum down payment on FHA loans is 3.5%. The minimum down payment on conventional loans is 3% for a first-time homebuyer and 5% for a seasoned homebuyer. USDA and VA loans do not require a down payment. Closing costs are fees and costs a homebuyer gets charged. Closing costs is not just the cost of the origination from the lender. Any costs and fees associated with the purchase of a home are classified as closing costs. Closing costs includes pre-paids which are escrows.

Closing Costs and Down Payment on a Home PurchaseClosing Costs

Closing costs vary and is not a fixed rate. Closing costs depends on the city, county, state, and the type of property. Closing costs are the fees and expenses incurred during the finalization of a real estate transaction, typically paid at the closing of the deal when the title of the property is transferred from the seller to the buyer. These costs can vary widely but generally range from 2% to 5% of the home’s purchase price. Here are some common components of closing costs:

1. Loan Origination Fees: Fees charged by the lender for processing the mortgage loan application.
2. Appraisal Fee: The cost of having the property appraised to determine its market value.
3. Home Inspection Fee: The cost of a professional home inspection to check for structural issues or necessary repairs.
4. Title Insurance: Protects the buyer and lender from any legal disputes over the property’s ownership.
5. Attorney Fees: Legal fees for the services of an attorney to handle the closing process (required in some states).
6. Recording Fees: Fees charged by the local government to record the sale and transfer of the property.
7. Survey Fee: The cost of verifying the property’s boundaries and any potential encroachments.
8. Prepaid Costs: These can include property taxes, homeowners insurance, and mortgage interest paid upfront.
9. Private Mortgage Insurance (PMI): If your down payment is less than 20%, you may be required to pay PMI.

Down Payment on a Home Purchase.

A down payment is the amount of money a buyer pays upfront when purchasing a home, typically expressed as a percentage of the home’s purchase price. The size of the down payment can affect the mortgage terms, including the loan amount, interest rate, and monthly payments. Here are some typical down payment options:

1. Conventional Loans: These typically require a down payment of at least 3% to 20% of the home’s purchase price. A higher down payment can result in better loan terms and potentially avoiding PMI if the down payment is 20% or more.
2. FHA Loans: Insured by the Federal Housing Administration, these loans are popular with first-time homebuyers and require a minimum down payment of 3.5%.
3. VA Loans: Available to eligible veterans and active-duty military personnel, VA loans often require no down payment.
4. USDA Loans: Designed for rural homebuyers, USDA loans can also require no down payment.

Example Scenario

For a home priced at $300,000:

• Down Payment (20%): $60,000
• Closing Costs (estimated at 3%): $9,000

Total amount needed upfront: $69,000

Tips for Managing Costs

1. Shop Around for Lenders: Different lenders offer various loan terms and closing cost structures.
2. Negotiate with the Seller: Sometimes sellers are willing to cover part of the closing costs to facilitate the sale.
3. Ask About Closing Cost Assistance Programs: Some states and localities offer programs to help with closing costs for first-time buyers.

Understanding closing costs and down payments is crucial in budgeting for a home purchase and ensuring you are financially prepared for this significant investment.

https://www.gcamortgage.com/down-payment-for-home-purchase/

gcamortgage.com

Down Payment For Home Purchase Guidelines By Lenders

In this guide, we will cover down payment for home purchase requirements by mortgage lenders. Homebuyers planning to purchase a home have two types of costs

The weather in Florida has been 90 degrees everyday for the past two weeks. The good thing about it being so hot, that there is no one in the back seat of you car waiting to attack you.

FED CHAIRMAN LIE ON NATIONAL NEWS. Unbelievable. Inflation, unemployment is all fine according to FAKE NEWS JEROME POWELL. Everything is solid according to this lying POS.

https://www.youtube.com/live/Rhq5Y44OhFo?si=hy7uSUoSZRErhMWL

The Mafia and LGBT

I am proud of my Greenwich Village and my heritage. Just before summer kicked in early June 1969, the Stonewall Inn riots occurred. I’m not sure how many LGBTs know of this riot on Sheridan Square in Greenwich Village. The cops had enough of the gays and decided to raid the gay bar. This was the beginning of the gay movement.

This was actually a big mistake by the local police precinct; the “boys” owned the bar. When I refer to the “boys,” I mean the Mafia. They owned all the gay bars in the village. Gays were an everyday, matter of fact, occurrence in the village. The Italians paid them no mind; they didn’t hurt anyone. Tea Roooms, as they were called, sprung up, “Black Rabbit,” “One Potato,” where I actually worked a couple of bar shifts; it’s a long story how I wound up working there. The manager’s name was Bunny. He was gay and connected to the “boys.” My sisters had gay friends in elementary school. Everything was kept quiet, all behind closed doors, until that night in June, when 1,000 protesters came out of the closet and supported the Stonewall Inn. Not all were gay; many straight Villagers joined the protest.

The cops were brutal with their batons. This was long before “The Gay Officers Action League” was born. The cops and the “boys” always got along until that night. I guess there was a “sit down” between the two, and as expected, the “boys” won the battle. When it comes to money, don’t fuck with them. I suppose the Mafia helped the Gay Rights Movement.

I have always enjoyed the Italian traditions passed down through the generations. Meatless Fridays is a Catholic tradition the Italians practiced. I still try and adhere to the meatless Fridays whenever I can, except during Lent, when there is no meat at all.

Fish was the usual choice on Fridays, and I’ve eaten a lot of good pizza on Fridays. The Campagna Region of Italy, where this dish originated, has abundant fish and lots of great pizza. I’m sharing my recipe for Bucatini Aioli e Olio, with hot honey-seared scallops.

Aioli means garlic and oil. Olio is also oil.

Cook your pasta al dente.

Add garlic, olive oil, salt, pepper, and red pepper.

Season according to preference

Cast iron pan Heat a little canola or peanut oil, not olive oil.

When the pan is hot, place dried sea scallops in the pan

Salt and pepper lightly.

Sear scallops for three minutes each side.

Serve along with the pasta on a bed of spinach

Two-ounce ramekins of hot honey on the side for dipping

Don’t worry if a little honey mixes with the pasta.

This creates an amazing by-flavor.

New Zealand Sauvignon Blancs are dry and loaded with lemon and grapefruit flavors.

The acidity will call the hot honey a little, if not a beer.I have always enjoyed the Italian traditions passed down through the generations. Meatless Fridays is a Catholic tradition the Italians practiced. I still try and adhere to the meatless Fridays whenever I can, except during Lent, when there is no meat at all.

Fish was the usual choice on Fridays, and I’ve eaten a lot of good pizza on Fridays. The Campagna Region of Italy, where this dish originated, has abundant fish and lots of great pizza. I’m sharing my recipe for Bucatini Aioli e Olio, with hot honey-seared scallops.

Aioli means garlic and oil. Olio is also oil.

Cook your pasta al dente.

Add garlic, olive oil, salt, pepper, and red pepper.

Season according to preference

Cast iron pan Heat a little canola or peanut oil, not olive oil.

When the pan is hot, place dried sea scallops in the pan

Salt and pepper lightly.

Sear scallops for three minutes each side.

Serve along with the pasta on a bed of spinach

Two-ounce ramekins of hot honey on the side for dipping

Don’t worry if a little honey mixes with the pasta.

This creates an amazing by-flavor.

New Zealand Sauvignon Blancs are dry and loaded with lemon and grapefruit flavors.

The acidity will call the hot honey a little, if not a beer.

This subforum is directed to my friend Johnny Joe @RPE . Stay positive, stay away from negative energy, if there’s a will there’s a will, believe in yourself and your allies, you are not selling but rather offering, work smart vs hard, believe in yourself and success prevails. Never forget how you got to the top.

https://www.facebook.com/share/uYe3yanAzXHDq7Gq/?mibextid=xfxF2i

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VIP Agbero

Back in the day, Stallone was a struggling actor in every definition. At some point, he got so broke that he stole his wife’s jewelry and sold it. Things got so bad that he even ended up homeless....