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What is the credit score guidelines on VA loans. What is it that Veterans United says their minimum credit score requirements is 620 and CrossCountry Mortgage says their credit score requirements is 580? Yet other lenders want a 640 credit score on VA loans. I read a blog on GCA MORTGAGE GROUP And it says that Gustan Cho Associates can do VA loans with credit scores down to 500 FICO. SO what is the skinny and the minimum credit score for VA LOANS?

I sent a money order from the United States Post Office and my friend lost it. The recipient of the money order threw it out along with other junk mail accidently. Does anyone know the procedure of getting the U.S. POST OFFICE to re-issue the money order?

I love this little French Bulldog. So cute. Anyone know about Frenchies

https://youtu.be/rJKuNSD169I?si=-WluJi74VG42fmxn

A plane crashed near a Florida expressway killing two pilots. Three passengers survived the crash. It was a small private airplane. The airplane crash was caught on dashcam.

https://youtu.be/rRFWfjyq6h0?si=Jb0oySxMXMLih1uI

The best Japanese sushi 🍣 fine dining restaurant in Chicago. It’s in the Lakeview neighborhood and the finest restaurants of sushi. You will love it. For special occasions or group functions up to 18 people

https://www.ajiomakase.com/

ajiomakase.com

AJI Omakase Chicago | Omakase Sushi Dining Experience

AJI is an omakase dining experience available for the greater Chicago residents. We take pride in serving the greater Lakeview area with a premium nigiri sushi experience with our Omakase. Executive chef Kristian Cho leads AJI's culinary team with his … Continue reading

Here’s videos of Chase. Started leash training Chase the one year old German Shepherd puppy. Walked three tines around the pond. Did so so and he tried pulling time to time. Did not yell at him or try to train him. First day so I let him get used to the house and walking path. Will try to walk him daily for a week before I start leash training him. I want to train him to walk off leash, come when he is called, and not run after squirrels or leave the area where he can not be by me. I will post our progress as time pass. Chase still thinks he is a 4 month old German Shepherd puppy and is clueless on everything. Everything is a game to him. Chase is a good natured dog and doesn’t have a mean bone and needs to start learning how to behave and get some manners. I purchased Chase in September and he has two different types of worms 🪱. One type was a intestinal worm that took 4 months to treat and he needed to be separated from our other dogs because the poop was contagious. Now he’s all healed and showtime so time for one on one training. Chase loves toys especially squeaky balls. I want to train him how to fetch and go on car rides. Once Chase is fully trained, I like to get another German shepherd puppy

Potty training a German Shepherd puppy does not have to be stressful and difficult. German Shepherd Puppies are very intelligent dogs and are fairly easy to Potty Train if the owner knows the basic techniques to make the puppy realize that Potty training means he cannot poop in the house.

https://youtu.be/8b_vYes8ISQ?si=wlr7-l7nnZBXxIQu

German Shepherd dogs are very intelligent dogs. In this video you will see how a trainer trains German Shepherd dogs.

https://youtu.be/xQwIIt_Q_JU?si=XAwmZXmWAlhx8hWo

Many German Shepherd owners want to train their German Shepherd puppy trained to walk off leash. However it is natural for your German Shepherd Puppy to be by you off leash but if your German Shepherd puppy sees a car or squirrel and takes off it can be trouble. Here’s a German Shepherd training video

https://youtu.be/fBm46CHnbPc?si=X60yFH8lOHavyxAA

• This discussion was modified 1 year ago by  Samuel.

Let’s talk about a specific subject today!

CREDIT UNIONS/Community Banks

Credit Unions offer products to consumers and businesses!

Why I love Credit Unions and you should too:

Credit Unions offer many more credit BUILDING products than banks. They generally have secured loans and secured credit cards

Credit Unions are all about relationships. They are flexible! When you join as a member you are building a relationship.

Credit Unions often have Easier approval requirements than big banks and look at FICO 9 scores which are close to vantage scoring models (those on Credit Karma)

Credit Unions may not come with as many fancy rewards and offers like Chase, American Express, CapitalOne, etc. but they will give you credit cards and high credit lines.

They have a lot of money to lend

They are Great to get consumer credit cards and business credit cards.

Don’t just take my word for it, go apply the knowledge!

Veterans and Credit Diversity: The Importance of a Mixed Credit Portfolio

Welcome to Day 9 of our dedicated series aimed at empowering our nation’s veterans with comprehensive credit knowledge. Today, we venture into the realm of credit mix or credit diversity. As veterans embark on their civilian financial journeys, understanding the value of a diverse credit portfolio becomes a cornerstone of creditworthiness.

Unraveling Credit Diversity: More than Just Cards

A diversified credit portfolio refers to having various types of credit accounts, such as:

• Revolving Accounts: These are accounts like credit cards where you have a set limit, and you can borrow up to that limit as you wish.

• Installment Accounts: Loans with fixed payments over a specific period, like mortgages, auto loans, or student loans.

• Open Accounts: Accounts that require full payment every month, like some utility bills.

Why Does Credit Diversity Matter to Veterans?

Credit mix contributes to 10% of your FICO score. While it might not be the most significant factor, lenders like to see that you can handle different types of credit responsibly. For veterans, especially those who might be building or rebuilding credit post-service, diversifying credit sources can be a strategic move.

Strategies for Building a Diverse Credit Portfolio

• Start with What You Need: Don’t open credit lines just for the sake of diversity. Start with what’s necessary, like a credit card for daily expenses or an auto loan if you need transportation.

• Gradually Diversify: Over time, as your financial needs evolve, consider different types of credit. This could mean taking on a retail card, personal loan, or mortgage.

• Stay Informed: Some veterans benefits or programs offer favorable loan terms. Being informed can help you make credit decisions that not only diversify but also benefit your financial health.

Veterans’ Unique Position: Challenges and Opportunities

• Relocation and Home Purchases: Many veterans, post-service, consider purchasing homes. A mortgage can be a significant addition to a credit mix. Plus, VA loans offer some unique benefits for eligible veterans.

• Education and Training: Post-service, veterans might pursue further education or vocational training. Student loans, if managed well, can contribute positively to credit diversity.

• Starting Ventures: Veterans with entrepreneurial aspirations might consider business loans. This not only diversifies credit but also fuels economic ambitions.

Potential Pitfalls and How to Avoid Them

• Overextension: While diversifying credit is beneficial, overextending and failing to manage repayments can hurt your credit score.

• Unnecessary Inquiries: Each time you apply for new credit, a hard inquiry is made, which can lower your score. Be strategic and limit unnecessary applications.

• Ignoring Account Management: Simply having diverse accounts isn’t enough. Regularly review each one, ensure timely payments, and keep an eye on overall debt.

Closing Thoughts for Day 9: Diversity as a Strength

In the military, strength often stems from unity in diversity – different roles, skills, and backgrounds coming together for a shared purpose. Similarly, in the credit landscape, diversity can be a foundation of strength.

However, just as every role in the military requires diligence and responsibility, every credit account demands meticulous management. The goal isn’t merely to diversify but to manage that diversity adeptly.

As we conclude today’s exploration into credit mix, our mission remains steadfast: to guide our nation’s veterans toward a future where their credit portfolio is not just diverse but also robust and resilient.

Join us tomorrow as we delve deeper, equipping our veterans with the insights and strategies they need to thrive in their financial endeavors.

Reptile lovers reptile expo on February 28th 2024 in Madison Wisconsin. Announced by Charlie “Lzzard Whisperer” Geisler

https://www.eventbrite.com/e/madison-scaled-up-reptile-expo-02-18-2024-tickets-814603269307

eventbrite.com

Madison Scaled Up Reptile Expo 02-18-2024

Scaled Up Expos provides a family friendly opportunity to see and interact with 1000’s of reptiles, amphibians, and much more!

Fani Willia admitted her affair with her outside independent contractor and is justifying her actions

https://youtu.be/Fx490UArgMA?si=jReJsxjLpBXjwisL

Jimmy Buffet Margaritaville

https://youtu.be/mrF4nF8VUb4?si=aylLSOXElIC4LpO3

38 Special

https://youtu.be/vJtf7R_oVaw?si=N6EFuU8cPBJoWP7Z

How is working at Edge home loans? I like to compare other mortgage companies while I am doing my due diligency on NEXA Mortgage Mortgage and see which mortgage company is best for me. I want to avoid going to one mortgage lender to work as a loan originator and quitting because I did not like a certain aspect or overlays on the individual mortgage lender. I am learning a lot about NEXA Mortgage and AXEN Mortgage and like to see how the other competitors fare. Thank you in advance.

James O’Keefe, the former President of Project Veritas now owners and President of the O’Keefe Media Group went undercover and placed a personal ad in Tinder posing as a gay man looking for a date and guess who took the bite. A While House Cybersecurity Advisor. The two met for a drink and boy did the staffer talk. He’s the second part of a two part video series

https://youtu.be/JW8Fqv7Ln9w?si=UQiRUMSbLE-IHaX8

The Colorado Supreme Court ruling against former President Donald Trump will backfire against the Democrats. Donald Trump has not been charged for the January 6th insurrection allegations nor are there any facts the former President committed any crimes. However, Democrats have already impeached him, and he has prevailed and was found innocent. The Democrats have rigously pursued the former President in getting him blocked from bring on the ballot box for the 2024 Presidential ticket on the Republican presidential ballot. Democrats know that with President Trump, their chances of winning is next to nothing. In order to stand a chance to win the Presidency in 2024, former President Donald Trump needs to be barred from being the Republican contender. Democrats under the control of Barack Obama are panicking and are doing everything possible to destroy the former President from being on the Republican ticket. Maggie Haberman a Democrat journalist contends the Colorado Supreme Court ruling against the former president will backfire on the Democrats.

https://youtu.be/Sss0jvOqZJc?si=C-u2V_fm67pH08OC

Has being an owner of a mortgage brokerage ever been on your radar? Whether you’d utilize it as an ancillary business or as your main focus, come join us at Meet Motto! Current owners will be answering questions, and presenting in detail their experiences from the very beginning, to their purchase, to their success! See you there!

https://mottomortgage.zoom.us/webinar/register/WN_GR41U3nbQF-7hbQtOlIg1w#/registration

mottomortgage.zoom.us

Welcome! You are invited to join a webinar: Meet Motto. After registering, you will receive a confirmation email about joining the webinar.

Hosted by director of franchise sales Kurt Cramer, this virtual event offers the unique opportunity to hear from existing Motto Mortgage owners. We’ll have a candid Q & A about owning a mortgage brokerage in the current market and why … Continue reading

Anyone hear of hard money hardminds? What is it and how much does it costs.

Are credit card companies lowering credit card limits of consumers or is it just me?

Kudos to Bill Burger-King. Buying a house in Puerto Rico is similar in many ways to buying a house in the mainland United States, but there are some unique aspects and considerations to keep in mind due to Puerto Rico’s status as a U.S. territory. Here are some steps and considerations for buying a house in Puerto Rico:

1. Determine Your Budget: Before you start looking for a house, it’s essential to determine your budget. Consider your financial situation, including how much you can afford for a down payment, monthly mortgage payments, and other associated costs like property taxes and homeowner’s insurance.

2. Get Pre-Approved for a Mortgage: If you plan to finance your home purchase, it’s a good idea to get pre-approved for a mortgage from a local bank or financial institution. This can help you understand how much you can borrow and make you a more attractive buyer to sellers.

3. Find a Real Estate Agent: Working with a local real estate agent who understands the Puerto Rican market can be very helpful. They can assist you in finding suitable properties, negotiating offers, and navigating the local real estate process.

4. Research the Market: Research the different neighborhoods and areas in Puerto Rico to find the one that suits your needs and preferences. Consider factors like proximity to schools, amenities, and the cost of living in the area.

5. Property Search: Start your property search based on your criteria and budget. You can use real estate websites, work with your agent, and attend open houses to find potential homes.

6. Make an Offer: Once you find a property you like, work with your real estate agent to make an offer. Negotiations may take place, and once both parties agree on the terms, you’ll sign a purchase agreement.

7. Home Inspection: It’s advisable to have a professional home inspection to assess the condition of the property and identify any potential issues.

8. Secure Financing: If you haven’t already, finalize your mortgage application and secure financing for the property.

9. Closing Process: The closing process in Puerto Rico typically involves various legal and administrative steps. You’ll need a notary public to oversee the closing, and you’ll sign the necessary documents. You’ll also need to pay closing costs, which can include taxes, title insurance, and other fees.

10. Ownership Transfer: After closing, the property’s ownership will be transferred to your name, and you’ll receive the keys to your new home.

11. Post-Purchase Responsibilities: Don’t forget to take care of utilities, property taxes, and homeowner’s insurance. Puerto Rico has property tax incentives for certain types of property owners, so it’s essential to understand your obligations and potential tax benefits.

It’s crucial to be aware of the legal and tax implications of buying property in Puerto Rico, as they may differ from those in the mainland United States. Consulting with a local attorney and tax advisor is recommended to ensure a smooth and informed property purchase process.

Additionally, keep in mind that Puerto Rico’s real estate market can vary depending on the region, so research thoroughly and consider working with professionals who are familiar with the local market conditions.

ChatGPT can make mistake

Here’s a story about how a Duluth Minnesota police officer stopped a vehicle driven by a male who had a child not in a car seat. The father told the police officer he did not have the money to buy a car seat. Instead of citing the driver, the police officer told the driver to follow him to Wal-Mart. The rest is history. Watch the video

https://www.facebook.com/share/RWaGJtshsWPB77qG/?mibextid=oFDknk

facebook.com

Cop approached the car and then this happened...🤯 | Cop approached the car and then this happened...🤯 | By STEVE on Watch | Facebook

Cop approached the car and then this happened...🤯

What planet is Jerome Powell in. Inflation is at 3%? I have so little respect for liars.

https://youtu.be/ImrKxlLJCEY?si=H8SMrwFTV0zlkW_8

German Shepherd Puppies are the all around best dog for you and your family. My first German Shepherd puppy was a female pure bred German Shepherd puppy named Jeannie when my father purchased it for me after my first semester of my freshman year in high school. Amazing best friend who was always there for me and became my buddy, best friend, and was always there for me. She didn’t need to get trained. Learned everything herself and communicated beyond belief

https://www.facebook.com/share/r/FGUrMTiZXt7yM8TB/?mibextid=nnhLG8

facebook.com

We’re German Shepherds #gsd #weregermanshepherds | P E L E | thefurrydogmother · Original audio

We’re German Shepherds #gsd #weregermanshepherds. thefurrydogmother · Original audio

Did you know that you need a landlord policy instead of a homeowner’s policy when renting out your house or home?

Many assume their homeowner’s insurance policy will cover their rental property, but that’s not true. Homeowner’s insurance policies are designed to cover owner-occupied homes and not rental properties. If you plan to rent out your house or home, you’ll need a landlord insurance policy to cover property damage, liability, and loss of rental income. A landlord policy is specifically designed to protect rental properties and provide coverage for risks unique to landlords. Ensuring you have the right insurance coverage to safeguard your rental property and financial investment is essential.

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India is also popular because of Indian Food. Indian food is diverse, flavourful, and has gained popularity worldwide.

Chase will be one year old come January 25th, 2024.

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

For change the profile, first go to your profile then click on Edit option which appeared in the profile where show all your details like name, nick name, email, phone etc. For example you want to change your general information then just click on Edit which appeared at right side of General information and if you want to show you last name for only your connection members then click on change and choose option . For more clarification please check below video and after that changes click on save changes button.

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What diet would you recommend to lose weight? Fruits, vegetables, salads, fish, nuts, or non-meat products? What type of exercise would be effective to burn calories and fat for someone with a heavy workload? Is there a simple workout program for adults or those who are older. I know the older you get the harder it is to lose weight. What triggers metabolism and not too difficult for people with a heavy appetite.