GCA FORUMS and subforums were founded with one concept in mind: To serve consumers, entrepreneurs, homebuyers, home sellers, real estate investors, and the general public. When people buy or sell a certain house, they move and, therefore, have to start life in that new place. All the partnerships that they have developed with local vendors and merchants will cease to exist ………. Read More
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Here is Tucker Carlson interviews Chris Cuomo part I
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Peter Schiff is a legend. Peter Schiff called the 2008 financial crisis when others were laughing at him. I remember Peter Schiff calling out Washington Mutual and sure enough the largest mortgage lender and servicer went out of business. This economic crisis is obvious. Consumers are feeling it at the pump, grocery stores, malls, auto repair shops, auto dealers, shopping for homes, surging mortgage rates, and the cost of goods and services skyrocketing like a runaway train. The dollar is becoming worthless because the Federal Reserve Board keeps printing money like there is no tomorrow. Wages are not keeping up with the cost of goods and services. $100,000 salary per year is no longer high income. The cost of goods and services has been rising rapidly in recent years, leading to significant inflationary pressures on consumers and businesses alike. Here are some key points about the current state of inflation and the factors driving high costs:
- Elevated inflation levels: The annual inflation rate in the United States reached a 40-year high of 9.1% in June 2022, as measured by the Consumer Price Index (CPI). While it has moderated slightly since then, it remains well above the Federal Reserve’s target of 2%.
- Supply chain disruptions: The COVID-19 pandemic caused widespread disruptions in global supply chains, leading to shortages of various goods and materials, which drove up costs.
- Rising energy and commodity prices: The war in Ukraine, coupled with increased global demand as economies reopened, has led to a surge in energy prices, particularly for gasoline and natural gas. Other commodities, such as food and metals, have also seen significant price increases.
- Labor shortages and wage growth: Many industries have faced labor shortages, leading to higher wages and increased costs for businesses, which are often passed on to consumers.
- Strong consumer demand: Pent-up demand from the pandemic, coupled with government stimulus measures, has fueled robust consumer spending, putting upward pressure on prices.
- Housing and rent costs: The housing market has seen a sharp rise in prices and rental costs, contributing significantly to overall inflation.
- Federal Reserve’s response: The Federal Reserve has been aggressively raising interest rates to combat inflation, but the effects of these monetary policy actions often take time to fully materialize.
The persistently high inflation has eroded consumer purchasing power and squeezed household budgets, particularly for essential goods and services like food, housing, and energy. Businesses, too, have had to grapple with higher input costs, which can impact their profitability and investment decisions.
While the Federal Reserve’s efforts to cool demand and bring inflation under control are ongoing, the current inflationary environment remains a significant challenge for both consumers and businesses alike.
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Eligible active duty, retired, and eligible spouses of eligible deceased members of the United States Military can qualify for VA loans with bad credit. Getting approved for a VA loan with bad credit can be challenging, but it is possible under certain circumstances. Here are some key points regarding VA loans and bad credit:
- Credit Score Requirements:
- The VA does not have a minimum credit score requirement, but most VA-approved lenders typically require a credit score of at least 620.
- Some lenders may consider applicants with scores as low as 580, but they will likely require compensating factors.
- Compensating Factors:
- VA lenders may be more flexible if you have compensating factors that offset the risk associated with a lower credit score.
- Compensating factors can include a higher residual income, significant assets or cash reserves, or a strong employment history.
- Credit History Analysis:
- VA lenders will closely review your credit report to understand the reasons behind any derogatory items or late payments.
- They may be more lenient if the negative items are due to extenuating circumstances, such as job loss, medical issues, or divorce.
- Waiting Periods:
- If you have previous derogatory events like bankruptcies, foreclosures, or short sales, there are mandatory waiting periods before you can qualify for a VA loan.
- For Chapter 7 bankruptcy, the waiting period is usually 2 years.
- For Chapter 13 bankruptcy, you may be eligible after 12 months of on-time payments.
- For foreclosures and short sales, the waiting period is typically 2 years.
- Debt-to-Income Ratio:
- VA loans have more flexible debt-to-income ratio requirements compared to conventional loans.
- Generally, your total monthly debt payments (including the new mortgage) should not exceed 41% of your gross monthly income.
- Documentation:
- Be prepared to provide documentation explaining any derogatory credit events, such as letters of explanation, proof of extenuating circumstances, and evidence of re-established credit.
It’s important to note that while the VA does not have strict credit score requirements, individual lenders may have their own overlays or stricter guidelines. Working with an experienced VA lender or mortgage broker can help you navigate the process and understand your specific eligibility based on your credit situation.
Additionally, taking steps to improve your credit score, reduce outstanding debts, and increase your cash reserves can significantly improve your chances of qualifying for a VA loan with bad credit.
- This discussion was modified 2 weeks, 2 days ago by Sapna Sharma.
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FHA loans are the most popular mortgage loan program for homebuyers and homeowners with bad credit. Homebuyers with less the perfect credit and low credit scores can qualify and get approved for FHA loans with bad credit with a 3.5% down payment. FHA loans with bad credit allows borrowers to qualify for an FHA loan with bad credit with credit scores down to 500 FICO. To qualify for a 3.5% down payment home purchase FHA loan, you need at least a 580 credit score. Borrowers with under a 580 credit score and down to 500 FICO can qualify for an FHA loan with bad credit with a 10% down payment.
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Can I get approved for a mortgage loan after a timeshare foreclosure with no waiting period? Many lenders say I cannot qualify and get approved for a mortgage after a timeshare foreclosure and need to wait three years for FHA loans and seven years for conventional loans.
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How does borrower paid compensation on VA loans work? Why is the borrower paid compensation limited to 1% and cannot be somewhere in between 2.75% and 1.0%?
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What do mortgage lenders mean by borrower paid versus lender paid compensation in mortgage loan transactions. Why does the borrower need to pay discount points on borrower paid compensation and does not pay any upfront discount points on lender paid compensation.
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In residential mortgage lending, what do they mean that a mortgage loan does not pass high-cost? What is a high-cost mortgage loan.
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Every mortgage lender are giving me the same story for being late 120 days on a past mortgage loan payment in the past 24 months. Mortgage lenders, mortgage brokers, loan officers from banks and credit unions all say any mortgage that has been late 120 days or more is considered a foreclosure. Most lender consider a borrower with a 120 day late on a home loan the same as a foreclosure.
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Mark and Lee Chen are the owners and operators of Lucky Chen Chinese Restaurant in Paddock Lake, Kenosha County, Wisconsin. I have been a customer of Lucky Chen since the authentic Chinese Restaurant opened. One thing about Lucky Chen is the restaurant is well managed. The Chinese Restaurant has its operations being staffed by the run the best operations staff, chefs, cooks, and auxiliary help. The restaurant opens at 11 am and closes at 10 pm. Lucky Chen, a culinary top tier ethnic restaurant with working man prices and beyond compare, always feels that it is the first time ther for me with an extraordinary dishes such as their custom made to order dishes when Mark Chen is the head chef the tofu and beef dish, the low mein, the beef chop suey, spring rolls, the custom made oil hot sauce, and dozens of great dishes to name to list. . A symphony of flavors unfolded with each spoonful, as the broth embraced my palate in a delicate dance. The wontons, plump and tantalizing, revealed a medley of succulent meat, expertly infused with aromatic herbs. Lucky Chen’s mongolian beef, shrimp lo mein, and beef with brocoli is a sensory marvel that showcases their culinary prowess and commitment to excellence.
My Culinary Sanctuary in Salem, Wisconsin three miles from where I live is Lucky Chen in Paddock Lake, Wisconsin. Calling and walking into Lucky Chen Chinese Restaurant is like ordering one of your favorite foods and walking into and returning to a place where everyone knows your name, especially for someone like me, a devoted patron who’s witnessed the blossoming of the first Chinese restaurant in the West section of Kenosha County in Wisconsin. The warmth of the ambiance is matched only by the welcoming smiles of the staff, making every visit here feel like a special occasion.
At the helm is Mr. Mark Chen and his wife Lee Chen, the owners, whose incredible knack for blending authentic Chinese flavors with innovative culinary twists never ceases to impress. Her dedication not only to the cuisine but also to creating a memorable experience for every diner is what sets Lucky Chen Chinese Restaurant apart from the competition.. As someone who leans towards meat, I have a special place in my heart (and my stomach) for their unique delicious beef dishes. The Sautéed Beef in Hot Spicy Sauce is my absolute go-to. This dish, so frequently requested by me, has affectionately been dubbed “Gustan’s Beef” by my friends. It’s a vibrant mix of tender beef pieces, vegetables, and just the right level of heat to keep you coming back for more – a true testament to Wendy’s mastery in the kitchen. While seafood isn’t my personal preference, my companions are always enchanted by the oceanic offerings on the menu. Their praises of the chili crab and other seafood delights speak volumes of Lucky Chen’s ability to cater to diverse palates with finesse.
Lee Chen‘s personal touch and her innovative spirit infuse every dish, every recommendation she makes, and every interaction within the restaurant. It’s her vision that has turned dining at Lucky Chen’s Food into an experience that’s as much about the community and connection as it is about the exquisite food. From the counter order staff to the chef’s and cooks, up the food chain to owners Lee and Mark Chen, their familiarity with the regulars, their ability to remember individual preferences, and their seamless service make each visit uniquely personal. It’s this combination of extraordinary cuisine, heartfelt hospitality, and a cozy atmosphere that makes Go 4 Food a sanctuary for those who appreciate the art of Chinese cooking with a creative edge.
Lucky Chen Chinese Restaurant is not just a restaurant; it’s a journey through the rich tapestry of Chinese culinary tradition, guided by one of Chicago’s most innovative chefs. Whether you’re a first-timer or a regular like me, you’re in for a dining experience that will linger in your memory long after the meal is over. Every dish at Lucky Chen is irresistible delight that warrants the highest recommendation.
I have 12 dogs. 9 of them are under 10 pounds so the nine is equivalent to one large dog so basically I have four regular dogs. Our dogs die for the left over from Lucky Chen. Every single dog get a birthday full dish from Lucky Chen. Each of them are spoiled and do not like fast food. Lucky Chen for the whole family My friends and colleagues from work all love Lucky Chen. Anytime I have guest visit and we need to eat, I call Lucky Chen and I get homemade cuisine made by a professional five plus star chef in a matter of less than one hour and a phone call aways. Lucky Chen for the whole family. Thank you Mark and Lee Chen.
- This discussion was modified 10 months, 3 weeks ago by Gustan Cho.
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I heard there are non-QM loans for self-employed borrowers that do not require federal income tax returns and no income documentation and is called P and L Statement Non-QM loans. How does the the P and L Statement Mortgage Loan program for self-employed borrowers work? I heard that a CPA Letter is required on a P and L statement non-QM mortgage loan? How does that work?
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I am very excited to get involved and start originating commercial loans. What different types of commercial loans is Lending Network, Inc. going to offer to real estate investors and business folks?
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I used to know this answer but what are the HUD guidelines and Fannie Mae Guidelines on qualifying for a mortgage with a federal tax lien? This would be qualifying for an FHA loan or Conventional loan with federal tax liens.
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Forums and online message boards are the new thing according to Google Algorithm Updated recently. How long does a FORUM take to go viral?
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Besides ChatGDP, below is more AI content writers. Make sure you run the content through Grammarly or other plagirism checker for uniqueness and no duplicate content.
https://bard.google.com/
https://chat.openai.com/auth/login
https://ask.writer.com/
https://simplified.com/ai-writer/
https://rytr.me/
https://www.copy.ai/tools
https://zyro.com/in/ai/content-generator
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Hello! I have a scenario from a non profit organization looking to purchase 12,400 sq ft. warehouse in GA and convert to temporary housing for working class, homeless individuals who will eventually become first-time home buyers. Sale price is $3.5 million, 75% LTV (25% down payment). Contact Cathy Willis for more details @ 708-668-8464.
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Why are homebuyers buying a house in rursl areas have a difficult time getting qualified and pre-approved for a home mortgage?
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Have a case scenario. If I own a house in a Trust, can I refinance my house in a Trust or do I need to take the house out of trust and refinance under my individual name. And if I refinance under my individual name can I put the house in a Trust after the refinance or will the mortgage lender call the note due.
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What is the main differences between a 15-Year Versus 30-Year Fixed-Rate Mortgage? What benefits and negatives is between 15-Year Versus 30-Year Fixed-Rate Mortgages? What are the pros and cons on a 15-Year Versus 30-Year Fixed-Rate Mortgages Comparison on home purchase and refinance mortgages on both cash-out refinance and home purchase loans.
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What happens if you have a older civil judgment that is not paid. Can you qualify for any mortgage loan application for a home loan approval if the judgment is not paid. I heard HUD guidelines on FHA loans is the easiest to qualify for borrowers with a judgment.
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If a person already has an FHA loan in his primary house and gets a job offer with a different employer and needs to start the new job right away, can that person keep the existing house and rent it out and buy a second house to use as primary residence with a second FHA loan?
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I recently saw a few barndomeniums and they look nice. What are barndomeniums and how can I get financing on new barndomeniums?
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Can someone help me explain what Chattels are? I am interested in a Chattel home but found out that Chattels are not considered real estate. Many told me Chattels are considered personal property and it can be used. Others told me that I cannot get financing on Chattels.
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Cindy Kelly is the president, owner, and head of operations at Regis Regal German Shepherds headquartered in Spring Grove, Illinois. Cindy is one of the most knowledgeable and passionate breeders of any dog breeds I have consulted with. Cindy takes passion for her champion bloodline German Shepherd dogs and will not sell her German Shepherd pups to anyone. There is no doubt there are many imitation German Shepherd breeders. Just because you have female and male German Shepherd dog and have puppies does not mean that you are now a professional German Shepherd breeder.
A great dog breeder, like Cindy Kelly of Regis Regal German Shepherds is characterized by several key attributes and practices:
Commitment to Health and Welfare of the parent German Shepherds as well as the pups: The top priority for any reputable breeder is the health and well-being of their dogs. This includes ensuring that breeding dogs are healthy, genetically tested for hereditary diseases common in their breed, and well cared for in terms of nutrition, exercise, and veterinary care.
Breed Knowledge and Expertise: A great breeder is knowledgeable about their chosen breed(s), including breed standards, temperament, behavior, and specific health concerns. They should be able to provide guidance and information to potential buyers about the breed’s characteristics and needs.
Selective Breeding Practices: Responsible breeders carefully select breeding pairs based on genetic health, temperament, and conformation to breed standards. They aim to improve the breed with each generation and avoid breeding dogs with known health issues or undesirable traits.
Ethical and Transparent Practices: Transparency is essential in all aspects of breeding, including providing accurate information about the lineage, health records, and any potential risks associated with the breed. Ethical breeders are open to questions and concerns from prospective buyers and are willing to provide ongoing support and advice after the sale.
Proper Socialization and Environmental Exposure: Puppies raised by reputable breeders are typically well-socialized from a young age, exposed to different environments, people, and experiences to help them develop into well-adjusted adults.
Responsible Placement of Puppies: Great breeders carefully screen potential buyers to ensure that their puppies are going to suitable homes where they will receive proper care and attention. They may require potential buyers to fill out questionnaires, conduct interviews, or even visit their facilities before agreeing to sell a puppy.
Continued Involvement and Support: A good breeder doesn’t wash their hands of the puppies once they are sold. They are available to provide ongoing support, advice, and guidance to new puppy owners throughout the dog’s life.
Involvement in the Dog Community: Many reputable breeders are actively involved in dog shows, competitions, or breed clubs. This involvement helps them stay informed about the latest developments in their breed and allows them to network with other knowledgeable individuals in the dog community.
Adherence to Legal and Ethical Standards: Great breeders adhere to all applicable laws and regulations related to breeding, licensing, and animal welfare. They also follow ethical guidelines set forth by reputable breeding organizations and breed clubs.
Lifetime Responsibility for Their Dogs: A responsible breeder takes responsibility for every dog they breed, regardless of age or circumstances. They should be willing to take back any dog they have bred if the owner can no longer care for it, to ensure the dog’s well-being and prevent it from ending up in a shelter or rescue.
Cindy Kelly of Regis Regal German Shepherds in Spring Grove, Illinois knows her dogs and knows German Shepherd. I like to add more to this review but am running late for my appointment. Please feel free to contact me or write to me if you need a reference and one of the most kindest, knowledgeable, experienced, and humble breeders I met and now I am a fan of Cindy Kelly, Owner and founder of Regis Regal German Shepherds headquartered in Spring Grove, Illinois.
- This discussion was modified 2 weeks, 3 days ago by Sapna Sharma.
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A. What is Google News?
Google created the news aggregate app Google News. It displays an endless stream of well-arranged articles from thousands of publishers. The content is algorithmically selected based on the user’s interests, location, and reading history. Users can customize their news feed by selecting topics of interest and can also access news from different sources.
B. How to show your blog posts in Google News?
To show your blog posts in Google News, you need to follow Google’s guidelines and ensure that your content meets their criteria for inclusion. Here are the key steps to get your blog posts featured in Google News:
1. **Create High-Quality Content**: Google looks for high-quality, original content that is relevant and timely. Ensure your blog posts are well-written, informative, and up-to-date.
2. **Follow Google News Publisher Guidelines**: Review Google’s Publisher Guidelines (https://support.google.com/news/publisher/answer/6206668) to ensure your website meets their requirements. This includes having a clear editorial policy, providing accurate information, and avoiding deceptive practices.
3. **Submit your Website to Google News**: You can submit your website to be included in Google News by filling out the Publisher Center application form . Follow the instructions to verify ownership of your website and provide the necessary information.
4. **Optimize your Website for Google News**: Ensure your website is optimized for Google News by using proper HTML markup (such as <article> tags), having a clear site structure, and providing a good user experience.
5. **Frequently Update your Content**: Google prefers websites that frequently update their content with new, relevant information. Keep your blog posts fresh and timely to improve your chances of being included in Google News.
6. **Monitor and Improve**: Monitor your website’s performance in Google News using the Publisher Center dashboard. Make improvements based on feedback and analytics to enhance your chances of success.
By following these steps and consistently producing high-quality, relevant content, you can improve your chances of having your blog posts featured in Google News.
C. How many posts from website Google fetch in Google News?
Google News doesn’t have a fixed number of posts it fetches. The number of posts you see can vary based on factors like your location, interests, and the time of day. Google News uses algorithms to select and prioritize news stories from a wide range of sources, so the number of posts you see can change frequently.
D. Where Users can see our Google News?
Users can see your Google News content in several ways:
1. **Google News app:** Users can download the Google News app on their mobile devices to see a personalized feed of news articles based on their interests and preferences.
2. **Google News website:** Users can visit the Google News website (news.google.com) on their desktop or mobile browsers to access the same personalized news feed.
3. **Google Search:** Your news articles can also appear in Google Search results when users search for relevant topics. This can drive traffic to your content on Google News.
- This discussion was modified 10 months, 4 weeks ago by Sapna Sharma.
- This discussion was modified 10 months, 4 weeks ago by Ravinder Sharma.
- This discussion was modified 10 months, 4 weeks ago by Ravinder Sharma.
- This discussion was modified 10 months, 4 weeks ago by Ravinder Sharma.
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Question: If someone is a credit repair consultant, can they become a licensed NMLS loan officer sponsored by a mortgage company? I heard that credit repair professionals are not allowed to become loan officers. Or is the fact that a credit repair consultant cannot work on credit repair and loan origination with the same client?