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Retail mortgage loan originators, have you ever think about becoming a remote mortgage loan originator with the key to success? Have you ever dream of having the opportunity to own and manager your own net branch with all the amenities, bells and whistles of a large mortgage company but yet without the expenses that come along with it? Gustan Cho Associates is a dba of NEXA Mortgage and can help you start the journey for you to becoming a successful independent mortgage loan originator with the option of owning, and operating your own mortgage branch with the potential of expanding your business platform to most of the 50 states. Gustan Cho Associates will assist with the tools you need to become a top independent branch manager of your own mortgage P and L operations. You determine whether you want to own and operate a one man branch or a 200 loan officer mortgage net branch operation. You are given and entrusted with the key to success without no quota, pressure, or meddling. Remote mortgage loan officer career opportunities at Gustan Cho Associates, a dba of NEXA Mortgage, is right at your fingertips. A remote mortgage loan officer has a wide range of responsibilities. Here are some key tasks they typically perform:

1. Interviewing Clients: They conduct initial pre-qualification interviews and assist clients with the completion of loan applications1.
2. Loan Processing: They work closely with the underwriting department to determine conditions for loan approval1. They are responsible for the origination of first mortgages2.
3. Assessing Applications: They screen and assess new mortgage applications for loan eligibility.
4. Customer Service: They provide exceptional customer service throughout the loan process3.
5. Loan Products and Services: They maintain a thorough knowledge of mortgage loan programs and company products3. They engage with customers to recommend loan products and services3.
6. Business Development: They develop close business contacts with a diverse group of consumers4. They also work with realtors, builders, and other intermediaries who can refer mortgage applicants5.
7. Flexible Working Hours: As a remote worker, they often have the flexibility to choose their own hours35.

Please note that the exact responsibilities may vary depending on the company and the specific role. It’s always a good idea to check the job description provided by the employer for specific details.

https://www.gcamortgage.com/mortgage-loan-officer-career-opportunities/

• This discussion was modified 11 months, 2 weeks ago by  Gustan Cho. Reason: Wrong url

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There are about ten states that do not allow mortgage loan originators to be paid by 1099 from their mortgage brokerage company. How does Illinois stand on loan officers to be paid by 1099?

Here is a link to becoming a realtor and loan officer at the same time. Actually, you can be an insurance agent and loan officer at the same time. You just need to be licensed in one state and become a referral partner and get paid. GCA Mortgage Group, Oakbrook Terrace, Illinois is licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands is hiring a professional in another field such as a real estate agent, attorney, insurance agent, or other third party professional who are in the real-estate related field to become a dually licensed professional and mortgage loan officer at the same time. Gustan Cho Associates is a dba of NEXA Mortgage and AXEN Mortgage, the fourth largest mortgage company in the nation. We will also cover residual income for life working at NEXA Mortgage which is headed by CEO Mike Kortas and President Mat Grella. The President and Director of AXEN Mortgage is Michael Neill. Mr. Mike Neill is President of AXEN Mortgage which is the correspondent lending division of NEXA Mortgage. Here is an informative link to becoming a dually licensed realtor/insurance agent/attorney and mortgage loan officer at the same time.

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

• This discussion was modified 1 year, 3 months ago by  Gustan Cho.

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.

Many folks who enter their fifties suddenly notice how fast they age. Bags under their eyes is one of the most noticeable aging signs. South Korea is the most popular place for cosmetic surgery such as facial effects and tightening skins. He’s a very informative article about cosmetic surgery in South Korea.

https://www.fodors.com/world/asia/south-korea/experiences/news/best-pracitices-for-findng-cosmetic-and-esthetician-prodedures-in-south-korea

fodors.com

Looking for a Beauty Refresh? South Korea Is the Destination for You

Fodor's provides expert travel content worth exploring so you can dream up your next trip. The world is a weird and wonderful place—we want to show you around.

Making Nevada your home can be an exciting endeavor, as the state offers diverse living experiences from the bustling city life of Las Vegas to the serene landscapes of its desert and mountain areas. Whether you’re moving for work, retirement, or a change of scenery, here are some steps and considerations for settling in Nevada:

1. Choosing the Right Location

• Urban vs. Rural: Decide if you prefer the vibrant city life of places like Las Vegas or Reno, or the quieter, more rural areas such as Elko or Fallon.
• Climate: Nevada is mostly desert, which means hot summers and cold winters, particularly in regions away from the city.

2. Understanding the Cost of Living

• Nevada generally offers a reasonable cost of living compared to other states. However, areas like Las Vegas and Reno might be more expensive than the state’s rural areas.
• There’s no state income tax, which can be a significant financial benefit.

3. Housing

• Buying vs. Renting: The housing market can vary significantly by location. In cities, the real estate market can be competitive and pricey, while more rural areas may offer more affordability.
• Research: Check real estate listings and consider visiting neighborhoods to get a feel for different areas.

4. Employment Opportunities

• Major industries in Nevada include hospitality and gaming, technology, logistics, and manufacturing. The state is also seeing growth in green energy jobs.
• Las Vegas and Reno are hubs for entertainment and tourism-related jobs, but tech industries are expanding in these areas as well.

5. Education

• Nevada offers a range of educational institutions, from public schools to prestigious universities like the University of Nevada campuses in Las Vegas and Reno.
• Research schools in your area if education is a consideration.

6. Lifestyle and Recreation

• Nevada is known for its entertainment options, particularly in Las Vegas. However, outdoor enthusiasts will also find skiing, hiking, and boating opportunities.
• The state hosts several cultural events, sports activities, and public parks which are great for families and individuals alike.

7. Transportation

• In larger cities like Las Vegas and Reno, public transportation systems are available. However, owning a car is beneficial, especially in more isolated areas.
• Nevada provides good highway connectivity, and its rules and regulations for driving might differ slightly from other states, so it’s good to get familiar with them.

8. Legal and Administrative Steps

• Upon moving, you’ll need to update your driver’s license and vehicle registration if coming from out of state.
• Register to vote in your new home state to participate in local, state, and federal elections.

9. Connecting with the Community

• Join local groups or community centers to meet people and get integrated into the fabric of the local culture.
• Explore local businesses and support them to get a deeper understanding of your new home’s economy and culture.

Moving to a new state like Nevada involves significant planning and adjustment, but it can also be a rewarding experience with new opportunities and adventures.

Moving to Nevada from out of state can be an exciting opportunity, whether for its vibrant entertainment options, its growing economy, or its unique landscapes. Here are some key considerations and tips to help you prepare for your move:

Climate and Geography

• Varied Climate: Nevada is largely desert and semi-arid, most of the state falls within the Great Basin. Summers can be extremely hot, especially in areas like Las Vegas, while winters can be quite cold, especially in northern parts like Reno.
• Outdoor Activities: Nevada offers a range of outdoor activities, from the nightlife of Las Vegas to the stunning natural beauty of areas like Lake Tahoe and the Great Basin National Park.

Cost of Living

• No State Income Tax: Nevada does not have a state income tax, which can be a significant financial benefit.
• Housing Costs: The cost of living can vary significantly depending on where you choose to live. Las Vegas has a relatively affordable housing market compared to major cities in neighboring states, though prices have been rising. Reno also sees higher housing costs due to its proximity to California and growing economic developments.

Job Market

• Tourism and Hospitality: The economy is heavily influenced by tourism and hospitality, particularly in Las Vegas, which offers numerous jobs in hotels, restaurants, and entertainment sectors.
• Diversifying Economy: There’s a growing presence of tech companies and startups, especially in the Reno area, partly due to its proximity to Silicon Valley and more favorable business taxes.

Education

• School System: Nevada’s public school system has room for improvement in terms of national rankings, so research local schools thoroughly if you have children.
• Higher Education: The state is home to several higher education institutions, including the University of Nevada campuses in Las Vegas and Reno.

Transportation

• Car Dependency: Most of Nevada’s residents find having a car necessary, especially in Las Vegas and Reno, due to public transportation options being less extensive than in larger metropolitan areas.
• Major Highways: Interstate 15 and Interstate 80 are the major highways running through Nevada, facilitating travel to California, Utah, Oregon, and Idaho.

Legal Residency

• Driver’s License and Vehicle Registration: You’ll need to obtain a Nevada driver’s license and register your vehicle within 30 days of becoming a resident.
• Voter Registration: Registering to vote can also be done at the same time you apply for your new driver’s license.

Cultural and Social Life

• Diverse Communities: Nevada’s major cities are culturally diverse, offering a wide range of cultural foods, festivals, and more.
• Entertainment Options: Besides the obvious attractions of Las Vegas, there are numerous local events, museums, theaters, and concert venues across the state.

Preparation for the Move

• Plan Ahead: Organize your belongings, decide what to move, and possibly sell or donate items that are not essential.
• Hire Reliable Movers: Consider hiring a reputable moving company that has experience with interstate moves to handle logistics.

Moving to Nevada offers a unique blend of opportunities and lifestyles, from the bustling streets of Las Vegas to the serene landscapes of its state parks. With the right preparation, your transition to the Silver State can be a smooth and exciting adventure.

Most famous tourist places in India are Taj Mahal (Agra), Sri Harmandir Sahib or Golden Temple (Amritsar, Punjab), Amber Palace(Rajasthan), Red Fort (New Delhi), Ram Mandir (Aodhya), Himachal Pradesh in Winter.

If you had a chance to visit here, where you want to go?

What does it mean by positive energy? Is positive energy real?

Is the FED printing money? If so, what is the negative outcome of printing money in our economy.

What to do if you are a victim of identity theft during the mortgage process.

Here is a guide on how homeowners insurance deductible works. Brent Norkus of Goosehead Insurance, one of the top preferred referral insurance agents at Gustan Cho Associates wrote this comprehensive blog that has been popular that was recently updated. https://gustancho.com/homeowners-insurance-deductibles/

gustancho.com

How Homeowners Insurance Deductibles Work

The way how homeowners insurance deductibles work is the higher the homeowners insurance deductible, the lower the insurance premium

How does homes for heroes mortgage loan program work?

Business credit cards are specialized credit cards designed for business-related expenses. They are offered by various financial institutions and are intended for use by businesses, regardless of their size – from small startups to large corporations. These cards provide a convenient way for businesses to separate their personal and business expenses, track their spending, and manage their cash flow. Here are some key features of business credit cards:

Separation of Business and Personal Expenses: Business credit cards help maintain a clear distinction between personal and business finances. This is essential for financial reporting, tax purposes, and overall financial management.

Expense Tracking: Many business credit cards offer detailed expense reporting tools. This can simplify accounting processes by providing categorized statements that make it easier to track and analyze business spending.

Rewards and Perks: Similar to personal credit cards, business credit cards often come with rewards programs, cashback incentives, and other perks. These rewards may be tailored to business-related expenses such as travel, office supplies, or telecommunications.

Employee Cards: Business credit cards often allow business owners to issue supplementary cards to employees. This can be helpful in managing employee spending, setting individual spending limits, and tracking expenses by employee.

Credit Building: Responsible use of a business credit card can contribute to building a positive credit history for the business. This can be valuable when the business needs to apply for loans or other forms of financing.

Higher Credit Limits: Business credit cards typically come with higher credit limits compared to personal credit cards. This can be advantageous for businesses that have significant operational expenses.

Access to Business Tools: Some business credit cards provide additional tools and resources, such as expense management software or travel benefits, to help businesses streamline their operations.

Interest Rates and Fees: Business credit cards may have varying interest rates and fees, so it’s important for business owners to carefully review the terms and conditions. Some cards may offer an introductory 0% APR period or other promotions.

It’s crucial for business owners to use business credit cards responsibly and pay attention to their terms and conditions. Keeping personal and business finances separate, monitoring expenses, and paying bills on time are key practices to make the most of these financial tools.

• This discussion was modified 3 months, 1 week ago by  Sapna Sharma.

With technology advancing at lighting speed, many old generation Americans are still catching up on electric cars and hybrid vehicles. Many Americans still are not familiar with electric and hybrid vehicles. A hybrid vehicle is a type of vehicle that utilizes a combination of two or more distinct power sources to propel the vehicle. The most common type of hybrid vehicle is the hybrid electric vehicle (HEV), which combines an internal combustion engine (usually fueled by gasoline) with an electric propulsion system. There are two main types of hybrid electric vehicles:

Parallel Hybrid: In a parallel hybrid, both the internal combustion engine and the electric motor are connected to the transmission and can drive the vehicle simultaneously. The vehicle can operate on either the gasoline engine, the electric motor, or a combination of both, depending on driving conditions and power requirements.

Series Hybrid: In a series hybrid, only the electric motor drives the wheels, while the internal combustion engine acts as a generator to recharge the electric battery or provide additional power when needed. The gasoline engine does not directly drive the wheels but works to generate electricity to power the electric motor.

The goal of hybrid vehicles is to achieve improved fuel efficiency and reduced emissions compared to traditional vehicles that rely solely on internal combustion engines. The electric motor in a hybrid vehicle assists the gasoline engine during acceleration and other high-power demand situations, and it can also operate the vehicle at low speeds or when cruising, relying solely on electric power.

Hybrid technology has evolved over the years, and there are different variations of hybrid systems, including plug-in hybrid electric vehicles (PHEVs), which can be charged externally and have a larger electric-only driving range compared to traditional hybrids.

The benefits of hybrid vehicles include lower fuel consumption, reduced emissions, and increased energy efficiency, making them a popular choice for environmentally conscious consumers.

• This discussion was modified 3 months, 1 week ago by  Sapna Sharma.

Hilarious comedy from Comedian Robin Williams on Donald Trump

https://youtu.be/rTCUl5SKyf8?si=1b2NwAKCe3GHwFMV

Inquiry removal is NOT as easy as it was in the past. Most of the time, the credit bureaus are requiring a police report to prove identity theft. I have attached a letter below that sometimes works to remove some inquries. Remember, inquiries stay on the credit report for 24 months, but only lower the score for 12 months. Also, there is no score impact when the number of inquiries is under 5 for a particular bureau.

[Your Name]

[Your Address]

[City, State ZIP Code]

[Date]

[Credit Bureau Name]

[Credit Bureau Address]

[City, State ZIP Code]

Re: Round 1 Inquiry Removal

To Whom It May Concern,

I am writing to request the removal of a recent inquiry from my credit report. The inquiry was made by [Name of the company] on [Date of inquiry] and it was for [Purpose of inquiry].

I would like to clarify that I did not authorize this inquiry, nor did I have any knowledge of it prior to reviewing my credit report. As such, I request that this inquiry be removed from my credit report as soon as possible.

I have enclosed a copy of my credit report with the inquiry highlighted for your reference. I kindly request that you investigate this matter and take the necessary steps to ensure that the inquiry is removed from my credit report.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.

Sincerely,

[Your Name]

Many borrowers think that your are set home free after a conditional mortgage loan approval. This is normally the case but not always so. I have seen many mortgage loan denials after a conditional loan approval. What a conditional loan approval means is when the mortgage underwriter feels the borrower qualifies for a mortgage loan but need to comply with the list of conditions the mortgage underwriter states. Once a mortgage processor submits all conditions, the underwriter can come back with additional conditions on the of the conditions of the first conditional loan approval. This is the stage of the mortgage process where a mortgage underwriter can drive everyone crazy including the loan officer. I have seen mortgage underwriters condition the dumbest things over and over again. It may be that the underwriter had a bad day. Here is a blog that was updated about the mortgage process after the conditional loan approval:

https://gustancho.com/mortgage-process-after-the-conditional-approval/

gustancho.com

Mortgage Process After The Conditional Approval

The mortgage process after the conditional approval is clearing conditions for the CTC, which means the lender is ready to fund the loan.

Here is a 30 minute video explaining how to beat your competitors Search Engine Optimization organic traffic

https://youtu.be/q_wNn1Cvhag?si=F6UkeUN9OI1z-CH8

I really like the idea of a one stop shop training and organic lead generation website through Viral Website Developers. When will it be available and for who is this platform available? Can anyone enroll for the software? Someone told me that it was only available for loan officers who are at Gustan Cho Associates branch. How much will it cost and is there a contract?

Unbelieveable the number of politicians and famous people on the pedophile list of Jeffrey Epstein. What is going on with this world. Is our society full of evil? Is Satan the new normal? Are there any more morals in today’s society anymore? Are politicians all corrupt? Are the good guys too shy to speak up? If Gillaine Maxwell is in jail why aren’t other pedophiles in jail or at the very least charged? Is cheating at the voter polls, coming out with fake economic numbers, fake news, and hiding the truth the new normal? Are we going to keep printing money and dilute our dollar where we make a laughing stock of our dollar? Nobody wants to buy our treasuries and bonds. Other nations consider our treasury junk and a joke where it has no more values. The good guys need to speak out and form a coalition and fight for truth, justice, and the survival of our great country. Take over evil and get rid of satan. liars, cheaters, and fake news. Get real news back. Get Americans to trust our country and people. Get the world to trust us again and get our great country back.

https://www.youtube.com/watch?v=Eree461w6IE&list=RDNSEree461w6IE&start_radio=1

For website, most important is server with cpanel with datbase and file manager, ssl.

After that in which plateform or programming language you want to run website like Html , CMS, .net etc

Layout or design of your website and content for your website.

What is domain authority, domain ranking, and spam score? What do you need to look out for when you are starting a brand new website? I heard that you need to check the URL, its history, domain authority and ranking, and the URLs spam score. Can you please explain?

Here are political humor that is true and fact checked many of you will find humorous

What is STAGFLATION?

This subforum will feature Tatiana Bougdaeva, a mortgage loan originator licensed in multiple states and banking professional with over thirty years of experience. Besides being an expert in the lending and real estate profession.

Tatiana Bougdaeva @Tatiana My good friend and business associate Tatiana Bougdaeva is a the owner, founder of Kalm Strategy. Tatiana Bougdaeva is a life coach and will explain what she does helping fight the aging process, and bringing yourself to peaceful and healthy life style.

Organic Anti-Aging Coaching Program

Check out her website at http://www.kalmstrategy.com

• This discussion was modified 11 months, 4 weeks ago by  Gustan Cho.
• This discussion was modified 11 months, 4 weeks ago by  Gustan Cho.

kalmstrategy.com

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Former President Donald Trump indicted for four felony counts. Two indictments are two state charges and two indictments are federal charges. President Trump’s indictments court trial started last week. President Trump is the first former President of the United States to be charged after leaving office. We will cover the charges on the indictments on the following sub forums. Here’s a short video clip explaining Former President Donald J. Trump’s charges on his indictments.

https://youtu.be/wVcNg83EgUc?si=sM-PAFfOkc6k_A-P

If you are currently a mortgage broker company, how can you become a mini-correspondent lender at the same time? Can you become a mortgage broker and a correspondent lender at the time. A wholesale mortgage account executive said it easy and no problem. Just like another professional opinion.

How does the 3-2-1 mortgage rate buydown work? Can you get seller concessions plus credit for 3-2-1 buydown on conventional loans and FHA loans?

Mortgage Rates For Monday, April 29th, 2024: As of Monday, April 29th, 2024, mortgage rates have experienced some movement. The average interest rate on a 30-year fixed-rate mortgage fell to 7.135%, while the 15-year fixed-rate mortgage dropped to 6.515%. These changes reflect a slight decrease from previous rates, influenced by economic factors and market conditions. For those interested in adjustable-rate mortgages, the average rate on a 5-year adjustable-rate mortgage also decreased to about 8.001%. This information is critical for homebuyers or homeowners considering refinancing as it impacts the overall cost of borrowing.

It’s always advisable to compare rates from multiple lenders to find the best deal for your situation, as rates can vary significantly between financial institutions. For the most current and detailed rate information, you can check updates from financial news websites like Preferred Mortgage Rates.

As of late April 2024, mortgage rates have seen fluctuations, with the average 30-year fixed-rate mortgage reaching around 7.9% and the 15-year fixed-rate at approximately 6.5%. These rates are subject to daily changes based on broader economic conditions, including inflation rates and Federal Reserve policies. Given the rise in rates, many potential homebuyers are adjusting their expectations and exploring different mortgage options to find the best possible rates and terms for their situations.

If you’re considering buying a home, it’s crucial to compare rates from multiple lenders and consider both fixed-rate and adjustable-rate mortgages depending on your long-term financial plans. Locking in a rate with a mortgage rate lock might also be beneficial to avoid any rate increases during your home buying process.

For more details on current rates and mortgage options, checking daily updates from reliable financial news sources like Gustan Cho Associates and Preferred Mortgage Rates can provide valuable insights and help you make an informed decision.

https://www.foxbusiness.com/personal-finance/todays-mortgage-rates-april-29-2024

foxbusiness.com

Today's 30-year mortgage rates drop while 15-year rates hold steady | April 29, 2024

Mortgage rates fluctuate almost daily based on economic conditions. Here are today’s mortgage rates and what you need to know about getting the best rate.

Here’s a blog about HUD Guidelines on gift of Equity.

Oldies are the best music.

https://www.youtube.com/watch?v=ejorQVy3m8E