Welcome to Great Content Authority (GCA) Forums

Breaking news from heavy set obese Chris Christie Presidential Election Campaign is the heavy set former New Jersey Governor and Trump Ally turned enemy has suspended his 2024 Presidential Election Campaign due to his addiction to fried chicken 🍗

By June 2023, over 60,000 Mortgage Loan Originators have left the mortgage industry due to inflation, surging mortgage rates, skyrocketing homes prices, regulations, and low housing inventory. Another 50,000 loan officers are not expected to renew their loan origination licenses. Being a loan officer is not the most glamorous career today. Thousands of mortgage companies have or are thinking of leaving the Mortgage Industry. Rates are at historic high, the secondary market is unstable, lenders are scared to lend, economists are forecasting a housing market crash, inflation is soaring daily, and the Federal Reserve Board is absolutely clueless. So is now the time to be in the mortgage industry?

https://youtu.be/hocJn_xcm5s?si=VGOzvS-9DWY37q-J

Silver broke $24 per ounce. Buy silver. Still a very low price per ounce.

There are so many scammers in the United States. Every part of the country is invested by fraudsters at all levels. I know there are many different types of fraud and each type of fraud is stealing. Fraud is when a natural person maliciously deceives its victims by scamming their victims with the goal of taking advantage of the victim thus causing financial hardship. Common goals of scammers committing fraud is to take money, or assets of monetary or intellectual value or stealing private data, and information from you, your family, or your employer, or your business. Scammers commit fraud via email, text, phone or in person, either on the street or on your doorstep. Some adults may be especially vulnerable to fraud and financial abuse.

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

Can you train a 40 year old person self-defense training? For example, if someone were to attack you, is it possible that you can train someone how to defend yourself from an aggressor and if so, can you do this type of training online and how long would it take?

Here’s Russell Brand informative link on how 17 million people worldwide 🌐 died because of taking coronavirus vaccine

https://rumble.com/v4699ii-bombshell-vaccine-data-mystery-turbo-cancer-rise-in-young-people.html

rumble.com

BOMBSHELL Vaccine Data + Mystery “TURBO CANCER” Rise In Young People!!

https://www.Brickhouserussell.com promo code BRAND for 15% off As Bret Weinstein informs Tucker of the alarming number of deaths resulting from the Covid vaccine, Pfizer makes a $43 Billion bet that ‘

Donald Trump and Crooked Hillary Rodham Clinton were the two candidates of the 2016 Presidential Election. Here’s a biography of the two candidates Donald Trump and Hillary Clinton

https://youtu.be/s7uScWHcTzk?si=XG6gzTp2ZMoNnitP

Climate change refers to significant changes in global temperatures and weather patterns over time. While climate variability is natural, much of the recent observed changes are due to human activities, particularly the emission of greenhouse gases (GHGs) like carbon dioxide and methane. This phenomenon is also commonly referred to as global warming or anthropogenic (human-caused) climate change. Here’s a broad overview of its causes, impacts, and the response strategies:

Causes of Climate Change

1. Greenhouse Gas Emissions: The burning of fossil fuels (coal, oil, and natural gas) for energy, deforestation for agriculture, and industrial processes contribute to increased concentrations of greenhouse gases in the Earth’s atmosphere.
2. Land Use Changes: Deforestation not only releases the carbon stored in trees but also reduces the planet’s capacity to absorb CO2 from the atmosphere.
3. Agriculture: This sector contributes significantly through methane emissions from livestock and rice fields, and nitrous oxide from over-fertilized fields.

Impacts of Climate Change

1. Temperature Increases: The most direct effect is the rise in global temperatures, leading to heatwaves and disrupted weather patterns.
2. Ice Melt and Sea Level Rise: The increase in global temperatures has led to the melting of ice caps and glaciers, contributing to rising sea levels, which can cause coastal erosion, increased flooding, and threaten coastal communities.
3. Ocean Acidification: CO2 absorption is making the oceans more acidic, affecting marine life and ecosystems, particularly coral reefs and shellfish populations.
4. Extreme Weather Events: There is an increase in the frequency and intensity of extreme weather events like hurricanes, droughts, and heavy rainfall.
5. Impact on Biodiversity: Climate change is altering habitats and threatening species with extinction, disrupting natural ecosystems.
6. Socioeconomic Effects: Impacts include threats to food security from decreasing crop yields and the loss of livable land, which could lead to displacement and climate refugees.

Responses to Climate Change

1. Mitigation: This involves reducing the flow of heat-trapping greenhouse gases into the atmosphere, either by reducing sources of these gases (e.g., the burning of fossil fuels for electricity, heat, or transport) or enhancing the sinks that accumulate and store these gases (such as the oceans, forests, and soil). Renewable energy sources like wind, solar, and hydroelectric systems generate electricity with little or no pollution and GHG emissions.
2. Adaptation: Involves making adjustments in ecological, social, or economic systems in response to actual or expected climatic stimuli and their effects or impacts. It aims to reduce vulnerability to climate change impacts, allowing societies to manage risks and damage while taking advantage of potential opportunities.
3. International Agreements: The Paris Agreement under the United Nations Framework Convention on Climate Change (UNFCCC), signed in 2015, is one of the global efforts where countries committed to limiting global warming to well below 2, preferably to 1.5 degrees Celsius, compared to pre-industrial levels through nationally determined contributions.

Personal and Community Actions

• Reduce, Reuse, Recycle: Adopting more sustainable practices in daily life can significantly reduce one’s carbon footprint.
• Energy Efficiency: Using more energy-efficient appliances and vehicles, upgrading insulation in homes, and using public transport can reduce individual GHG emissions.
• Support/Advocate: Supporting policies and leaders who prioritize climate actions and sustainable practices is crucial. Community-level actions can amplify individual efforts.

Addressing climate change requires coordinated global actions but also hinges on national, local, and individual efforts. The collective engagement in mitigation and adaptation measures is essential to effectively manage and hopefully overcome this global challenge.

Joe Biden and his administration are planning a climate emergency in the coming days or weeks. The Democrats are panicking because of the low approval rating and are cornered on what they can do to cheat their way to get reelected. Americans should expect more crisis, climate emergency Lock downs, wars, riots, pandemics, or natural disasters

.https://youtu.be/yogGHWVZlYE?si=PhvAZVL8NaOCP8Hp

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

What type of security surveillance system would you recommend to install in my house. I want surveillance cameras as well as sound and voice activated security system. I heard many of these security systems are easy to install and many are portable wireless surveillance cameras and voice activated security systems. Do you know how much it is. Ballpark. Thank you

I am interest in buying a single family house in California. I got pre-approved in 2019 in Placer County California which is near Sacramento. However, home prices have gone up and mortgage rates are double the rate it was in 2019. How can I shop for the best mortgage rates in California?

Gas prices surpassed $7 dollar per gallon at one Bay Area California gas station ⛽️. The economy in the United States 🇺🇸 is so shakey and unstable that the entire world is laughing at us. Joe Biden and the Biden Administration is so out of it and incompetent that it is enough to make anyone throw up and catch a deadly virus. Unbelievable.

https://www.fox32chicago.com/news/gas-hits-above-7-mark-at-one-bay-area-station-among-the-highest-in-california?fbclid=IwZXh0bgNhZW0CMTEAAR1JkXb1fU56tODoYIhWKrNeUgxR_ip_j88r6AoTxqaRLhzUODIAfu4vTD4_aem_AWf4G6cKPEK9Ebmr8sIiDsDVEyENWbdGunjetjXcTQ0uT5vv5mz7uDwYk_9FWkvIeDltmEgfXY7Nluey4DidugTt

fox32chicago.com

Gas hits above $7 mark at one Bay Area station, among the highest in California

Bay Area gas station hits above the $7 mark for regular unleaded, among the highest in California.

Fannie Mae Housing Market Forecast for 2025 announced that Mortgage Rates will remain at higher than 6.00% and not to expect a drop in mortgage rates. The federal reserve board dropping interest rates 4 times in 2024 turned out to be a big fat lie despite out of control inflation. The federal reserve board and Treasure Secretary Janet Yellen are blatantly lying about the economy having a soft landing and inflation being under control. Evey consumer in America know that prices of goods and services are out of control and inflation is not minutely close to what the fake NEWS MEDIA is reporting. Please don’t believe what the fake news media and the political hacks are announcing.

https://youtu.be/h2pNEPHP0gc?si=PnU3gpJKT8_2PgoV

Any loan officers or real estate agents know about the new federal law on non-competes for NMLS licensed loan officers?

https://www.facebook.com/share/cgEJD2Etq9fHit7p/?mibextid=oEMz7o

facebook.com

Mike Kortas

I am super excited about the new rules for non-competes. These have been abused by so many mortgage companies hurting Loan Officers. It’s about time Loan Officers have the right to feed their...

Gustan told me last night that wholesale mortgage lenders like The Lender offers free trimerger hard credit pulls which costs $77.00 either to the borrower or the Loan Officer. Where can I get more detail on this on how it works.

The apartment building values started to plummet as much as 40%. Apartment and multifamily properties peaked in May 2022 and started falling since then. Besides plummeting apartment building values, foreclosure of apartment building properties are skyrocketing to 2007 levels. The numbers of apartment building values plummeting and soaring foreclosure rates vary from city and state. We will cover more in this breaking news as more develop in the coming days and weeks. Besides apartment building properties, values of commercial properties in general have and are plummeting at record levels.

https://youtu.be/QuDEubYPMoM?si=sYcSVFDyYmK1MeBC

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

Mortgage brokers maximum compensation or yield spread premium is 2.75% paid to the mortgage broker by the wholesale mortgage lender. However, some mortgage brokers want to get paid less such as 2.50% or 2.00% compensation or yield spread premium. I know some mortgage brokers who have 1.50% compensation plan set up. If I worked for a mortgage broker or owned my own mortgage brokerage company, can I set up various different types of compensation plans with different wholesale mortgage lenders. For example, 2.75% compensation plan with AMG, 2.25% with the Lender, 2.00% with Provident, and 1.50% with United Wholesale Mortgage? I was recommended to as @CAM-THE-MAN Cameron LeClair because he is a senior member of this forum and well respected and extremely knowledgeable. Thank you in advance.

I’m considering buying a home this year. I’ve heard from different sources, that I should wait to buy, once the market crashes, or to save my money by renting. Any advice would be very helpful.

What does recission mean in the mortgage process?

There are many conflicting questions about the type of people that become cops and police impersonators. I heard kids who were picked on in high school become cops. Cop impersonators are those who could not become POST certified to become cops or could not pass the background investigation

Homebuyers can get seller concessions for a home purchase from the seller up to 6% of the home purchase price which can be quite large. So on a $500,000 home purchase, the seller concessions can be a total of $30,000. Can the home buyer use the $30,000 on a $500,000 home purchase for the down payment?

Maintaining a good insurance score is crucial for your financial well-being. Your insurance score is a number that represents how much of a risk you are to your insurance company. Did you know that making an insurance claim can affect your insurance score? When you file a claim, it’s important to do so wisely and responsibly because claims history can follow you for 5 to 7 years on your insurance history and can have a significant impact on your premium. The more claims you make, the higher your risk becomes, and thus, the higher your premium will be. That’s why it’s important to report claims wisely and responsibly to avoid any negative impact on your insurance score. By doing so, you can ensure that you maintain a good insurance score, which can help you get better rates on your insurance premiums. So, always make sure to report claims wisely and responsibly to protect your financial well-being. #InsuranceTips #FinancialWellBeing

Can someone with expertise explain what correspondent mortgage lending is? What is mini-correspondent lending? What is the difference between correspondent, mini-correspondent, mortgage banking, and mortgage brokers. I asked multiple so called experts and I keep getting conflicting answers. Thank you very much in advance.

Here’s a video clip about traumatizing a dog for life. The black lab mix will never be the same after witnessing a Bulldog being cut up.

https://www.facebook.com/share/r/Kpe6DR8B8yCbbsot/?mibextid=D5vuiz

facebook.com

The dog is trying to say "I DON SUFFER FOR THIS HOUSE". 🤣🤣 #doglover #cakesofinstagram | Brian Junior | Brian Junior · Original audio

The dog is trying to say "I DON SUFFER FOR THIS HOUSE". 🤣🤣 #doglover #cakesofinstagram. Brian Junior · Original audio

What are the states that require distance requirements for loan officers from where they live to the mortgage branch they are sponsored from. There are about a dozen states that require mortgage loan originators to be tied and/or sponsored by a mortgage branch such as a 50 to 100 mile distance requirement. Does anyone know which states have the distance to residency requirements between the branch and the loan officer personal residence?

My brother and I am interested more about investing in mobile home parks. I am open in anywhere in the United States. I have interest in knowing what it takes to invest in mobile home parks for a new investor. My experience is in real estate fix and flips and holding apartment buildings. I have a small portofio of single family homes and six apartment buildings totalling 100 units. I do have equity in my properties so I can tap into the equity of my rental properties or sell some. I like to know more about investing in mobile home parks, the pros and cons, the headaches, what to look out for, and suggestions for first time mobile home park investors. I am interested in knowing about financing mobile home parks and how competitive the mobile home park market is. Thank you in advance.

The Bureau of Labor Statistics forecasts a 2.9% employment growth for mortgage loan originators between 2022 and 2032. During that period, it is forecasted 10,400 jobs in the mortgage industry should open up. Licensed and registered mortgage loan originators advise, authorize and recommend loan approval for individuals and businesses. According to data from the U.S. BUREAU OF LABOR STATISTICS tens of thousands of loan officers LEFT the mortgage industry in 2023 due to inflation, surging mortgage rates, and housing shortage. In October, 2023, 67% of current mortgage loan officers produced less than one unit of closed loans in October. 21% of loan officers closed 1.5 units per month and only 12% of mortgage loan orignators closed greater than 2.5 units. The mortgage industry was decimated due to the economy, high rates, and inventory shortage. Very few from the work force sought work in the mortgage lending industry. According to the Nationwide Mortgage Multistate Licensing System, in the second quarter, there were 24.5 percent fewer individual licenses awarded for mortgage lenders. That means people are leaving the mortgage industry altogether permanently. More loan officers are expected not to renew their NMLS licenses or leave the mortgage industry.

In all of 2022 and through the first half of 2023, the average mortgage lender was not profitable and lost money on every mortgage it originated. In first quarter of this year, the average loss was $1,972 per mortgage loan. In the second quarter, the size of the loss improved to $534 per loan.

Realtor.com, the real estate listing and informational website forecasts the housing market will continue to struggle in 2024 and mortgage rates will average 6.8% in 2024, and possibly drop to 6.5% by the end of 2024. This is not promising news because mortgage rates were at 2.5% just two years ago. Loan officers are expected to have a tough road ahead because consumers have not adapted to this sudden hike in rates. Until the mortgage rate of 6.5% is accepted as the new normal, the mortgage industry will continue to struggle and more loan officers and mortgage companies are expected to leave the mortgage industry. There were a total of 160,000 licensed and registered mortgage loan originators. 50,000 loan officers have exited the mortgage industry and more are expected to leave this year by the second quarter. There are 90,000 mortgage loan originators left in the mortgage industry today but that number is forecasted to drastically get reduced to as much as 40,000 so only 50,000 loan officers is forecasted to remain in business.

https://www.youtube.com/watch?v=C9BdPHXKHfE

Here is a cool tiny house that is brand new and affordable. It is a modular home that homebuyers can use it as a primary home, second home, AirBnB’d or rental home.

https://youtu.be/QHXESFLAbXs?si=AwYAJ9YWMPmeCdYo

When we access anything in computer , it generated many temporary files and we need to remove those to speed up your computer. below are step to remove or delete those temporary files

1. Write Run on Search area .

2. A window appeared , write %temp% and click Ok

3. Select all ( ctrl key+A )and click on delete key

Many Americans love Donald Trump while others cannot stand him. First and foremost, ask yourself would you like someone to tell you what you want to hear or the truth? Is Donald Trump out to run for political office to enrich himself and his family unlike other politicians who became multi millionaires while being in political office? What did Bill Clinton, George Bush, Barack Obama, and Joe Biden do for this country except to use the Presidency to enrich themselves and their families. Joe Biden never had a job in his life. Joe Biden served 50 years as a career politician who became a multi millionaire by using his elected office to get favors, bribes from foreign countries, and cheating on elections to get himself and other political hacks elected by hook, Crook, cheating, and other acts of corruption. Bill Clinton is an alleged child rapist and pedophile who is a sex addict. Barack Obama was one of the most incompetent cheating lying and corrupt Presidents of human kind. Donald Trump does not need to become President to enrich him and his family. By being President Former President Donald Trump is setting himself backwards financially and emotionally because of the hatred ignorant people are cursing to him and his family. Here’s a video of the Trump Family Biography our viewers will enjoy and find it informative.

https://youtu.be/L17q1lgJBac?si=A8KDG9XV6PCGsZ3c

Oprah Winfrey condones pedophilia and says a 7 year victim enjoys getting molested

https://www.bitchute.com/video/CzXlTw9rIYjD/

bitchute.com

Oprah Winfrey condones pedophilia. She says victims enjoy it.

She says if you're seven-years-old of someone is stroking your penis, It feels good. But how does she know does she have a penis? Was it stroked when she was 7 years old? This woke, PC shit has gone way … Continue reading