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We are going to launch John Parker’s websites and show the progress in this section. John, think about the layout, template, functionality of the following websites:

• http://www.bestvamortgageloans.com
• http://www.vastreamlinerefinancelenders.com
• http://www.fhastreamlinerefinancelenders.com
• http://www.realtormlocareers.com
• http://www.nexamortgagecareers.com

Half the nation’s mortgage loan originators and 60,000 real estate agents left the mortgage industry and real estate business as of 7 months ago. More realtors and more loan officers left the real estate and mortgage industries.

https://youtu.be/hocJn_xcm5s?si=jqXHitTWPRnjhd7d

10-Year Treasuries fell slightly to 3.92% which has been hovering between 3.72 to 4.15 the past four weeks fluctiating mortgage rates and relieving the fear rates may go higher for consumers, realtors, and loan officers. 30-year fixed rate mortgages trading down -0.29 putting rates at 6.49%. 15-year fixed-rate mortgages dropped -0.013 placing 15-year fixed-rate mortgage rates at 5.90% for prime borrowers. 5/1 ARM fell 0.67 pricing mortgage rates at 5.90%. Housing inventory remains tight and inventory lags with the demand for homes nationwide. Part of the imbalance of falling rates, high inflation, skyrocketing home prices, and a weak unpredictable economy with questionable validity on numbers and data released is a large percentage of homeowners who purchased homes two to four years ago have locked in mortgage rates around 3.0% and at the same time home prices have gone up an average of 50% over a period of three years, many homeowners do not want to sell and intend in staying put. If the circumstances were different, so will the homeowners agenda and may consider selling the current home or keeping the current home as a rental and purchase a new home whether upgrading or downsizing. Mortgage rates increased more than double of what it was just two years ago. The sudden interest rate jump to 8% have Americans with the mentality of not being able to justify investing in a new home for their primary home as well as investment homes. Many first-time home buyers who were qualfied and pre-approved around mid 2020 through the coronavirus outbreak in February 2021 who decided to wait because they were under the impression of a housing market correction and mortgage rates plummeting from 3.625% found it disappointing and disheartening that home prices have gone by 20% to 50% or more depending on the area and state and mortgage rates skyrocketing past 8.0%. Many homebuyers are now priced out of the market due to the sudden massive spike in housing prices. The monthly housing payment would have gone up from 50% to 100% where they can no longer afford with their wages. Wages have not kept up with inflation and high cost of goods and services. Americans still feel betrayed by the media and politicians at all level of government due to the deception, lies, truth being not told, fake news, political divide, and economic uncertainty in the nation. The country is maliciously divided by political party and the ideology globalists and extreme liberals are putting out is enough to make the American people not trust anything they hear until it has been fact checked and confirmed by reliable sources. Deaths from people who took the coronavirus vaccine and its boosters is increasing. More younger Americans in good health and shape are dying in their sleep due to blood clots or are getting diagnosed with fatal cancel losing their life prematurely. Many believe it is due to the coronavirus vaccine. The coronavirus vaccine has been cause of these premature deaths or illnesses of healthy individuals and many from all levels of society and profession swear the coronavirus vaccine has been engineered, created, and promoted to be the death tool and the solution to depopulate the world.

How do mortgage loan originators surviving these days during times of high mortgage rates, volatile and uncertain secondary mortgage markets, skyrocketing inflation numbers, one of the worst economies the United States is going through, surging home prices, politcial unrest and the media not reporting the truth, and uncertainty in the housing and mortgage markets. Home prices have increased 50% or more in the past three years, mortgage rates have gone from 3% to 8% in a 18 month timespan, mortgage companies closing their doors without much notice, and lenders laying off not just processors and underwriters but loan officers as well and cutting important expenses that should not be cut.

I have never purchased mortgage leads since I started the mortgage business. Are there any good mortgage lead companies?

There are many conflicting questions and theories about the COVID-19 Vaccine. Why is it that so many healthy people are dropping dead after taking the coronavirus vaccine? WHY is Joe Biden and his administration pushing so hard for Americans to get vaccinated? WHY is the federal, state, and local government requiring government employees to get vaccinated or they would get terminated. I think there are two sides to this topic and need the facts. The media has a coverup and that is a fact. Why are members of the United States Military required to get vaccinated? Why are the Globalist and Satanist like George Soros, Bill Gates, The Rothschild Family, Barack Obama and Michael Robinson Obama, the Clinton’s promoting getting vaccinated and depopulation. Please state your comments.

70% of Americans are concerned about the country is in major trouble at all fronts. Joe Biden poll numbers are nearing under 30% which has been the lowest than any modern history including lower than Jimmy Carter. Tainted with crimes against the state along with his son Hunter Biden and his brother James Biden, Joe Biden is branded with the name Biden Crime Family. Corruption is obvious and the Department of Justice and the press is turning the other way. Here is a story about the Biden Crime Family from Sean Hannity of Fox News

https://youtu.be/MlLwDhADJcI?si=jeKH5l6HYuOG1CkD

Ex-playboy Karen McDougal Tells all the affair she had with Former President Donald Trump when Trump was married to Melania Trump with CNN Anchor Anderson Cooper. Why would anyone even a slut tell a news Anchor about a private affair with two people.

https://youtu.be/xo2ISWrQAsU?si=CZpG7TkfN63hrqyp

THIS Message is for Mr. Mike Neill. Can GCA Oakbrook Terrace get loan officers from AXEN do third party processing? Mr. Bill Burger-King said we could. Can we explore that possibility.

How long would Viral Website Developers take for creating a brand new website go viral?

Which internet tool has the most accurate data for daily unique visitors for your website? Which SEO Ranking Tool is best to check your domain authority and domain Ranking?

Mortgage Rates Today: January 10, 2024— 30-year fixed mortgage rates are steady. 15-Year Mortgage Rates Increase. Today, the current average mortgage rate on a 30-year fixed mortgage is 7.35% compare to last week when the mortgage rate was 7.29% while the average rate on a 15-year mortgage is 6.49%. The annual percentage rate (APR) on a 30-year, fixed-rate mortgage is 7.24%. The APR was 7.22% last week. APR is the all-in cost of your mortgage loan. On a 30-year jumbo mortgage, the average rate is 7.20% @ source bank rate. With today’s interest rate of 7.35%, a 30-year fixed mortgage of $100,000 costs approximately $689 per month in principal and interest (taxes and fees not included), the GCA Best Mortgage Calculator shows. Borrowers will pay about $148,054 in total interest over the life of the loan.

The average interest rate on a 15-year mortgage (fixed-rate) is 6.49% compared to last week, the 15-year fixed-rate mortgage rate was at 6.35%.

The APR on a 15-year fixed is 6.43% compared to 6.30% this time last week. At today’s interest rate of 6.49%, a 15-year fixed-rate mortgage would cost an estimated $870 per month in principal and interest per $100,000. You would pay around $56,681 in total interest over the life of the loan.

Mortgage interest rates are determined by a complex interplay of various economic, financial, and individual factors. Here are some of the key factors that influence mortgage interest rates:

Economic Conditions: The overall health of the economy plays a significant role. When the economy is strong, with low unemployment and robust economic growth, interest rates tend to rise. Conversely, during economic downturns or recessions, rates tend to fall as central banks may lower their policy rates to stimulate borrowing and spending.

Central Bank Policies: Central banks, such as the Federal Reserve in the United States, set short-term interest rates through their monetary policy. Changes in these rates can have a cascading effect on longer-term interest rates, including mortgage rates.

Inflation: Inflation erodes the purchasing power of money over time. Lenders typically require higher interest rates to compensate for the expected loss in value of the dollars they will be repaid in. Therefore, when inflation expectations rise, mortgage rates tend to go up.

Supply and Demand: The supply and demand for mortgage loans in the secondary market can affect rates. When there’s high demand for mortgages and a limited supply of funds, rates may rise. Conversely, when there’s less demand or more supply, rates may fall.

Creditworthiness: Your personal credit score and credit history influence the interest rate you’ll be offered. Borrowers with higher credit scores and better credit histories are typically offered lower interest rates because they are considered less risky.

Loan Term: The term of the mortgage (e.g., 15 years, 30 years) can also impact the interest rate. Shorter-term loans often come with lower interest rates than longer-term loans because they pose less risk to lenders.

Down Payment: A larger down payment can often lead to a lower interest rate. Lenders may view borrowers who make a substantial down payment as less risky.

Type of Mortgage: Different types of mortgages, such as fixed-rate and adjustable-rate mortgages (ARMs), have different interest rate structures. ARMs typically start with lower initial rates but can adjust over time, while fixed-rate mortgages maintain the same rate for the entire loan term.

Market Conditions: Mortgage rates can be influenced by market sentiment, investor demand for mortgage-backed securities, and geopolitical events. These factors can lead to short-term fluctuations in rates.

Regulatory Environment: Government policies and regulations can impact mortgage rates. For example, government programs and incentives can make certain types of mortgages more attractive to lenders and borrowers.

It’s important to note that these factors can change over time and can interact in complex ways. Mortgage rates are also influenced by a wide range of regional and local factors, making it essential for borrowers to shop around and compare offers from different lenders to find the best mortgage rate available to them based on their unique financial circumstances.

What determines APR? APR stands for “Annual Percentage Rate.” It is a financial term used to express the true cost of borrowing or the annualized cost of a financial product, such as a loan, credit card, or mortgage. The APR includes not only the interest rate on the borrowed funds but also any additional fees, points, or other costs associated with obtaining the loan or credit.

The APR provides borrowers with a more comprehensive understanding of the total cost of borrowing, making it easier to compare different loan or credit offers from various lenders. Lenders are typically required to disclose the APR to borrowers to ensure transparency in lending practices and help consumers make informed financial decisions.

It’s important to note that the APR is expressed as a percentage, and a lower APR generally indicates a more favorable loan or credit offer because it represents a lower overall cost of borrowing. However, it’s essential to consider other factors, such as loan terms, repayment schedules, and your specific financial situation, when evaluating loan or credit options. Demand for mortgage loans is down despite lower mortgage rates.

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The CPI numbers were released this morning higher than expected. TThe Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. The consumer price index numbers released this morning show the CPI increased 0.3% in December and 3.4% from a year ago. What this means is the CPI was higher by 0.30% than one year ago. Excluding volatile food and energy prices, the CPI rose 0.3% for the month and 3.9% from a year ago, compared with respective estimates of 0.3% and 3.8%.

Mortgage rates was not affected by the release of the CPI numbers.

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

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

What is the best artificial intelligence tool for blogging with original content

This message is directed to Ravinder Sharma the Chief Executive Officer of Viral Website Developers and Sapna Sharma the Chief Technology Officer at Gustan Cho Associates. What makes a Website viral on getting organic traffic for lead generation? How is Viral Website Developers different from the competition in creating Websites that generate organic leads. Can you please share your thoughts and business platform.

Joe Biden is hands down the worst President of the United States far worse than former President Jimny Carter polls show. If the election were to be held today, Joe Biden would lose in every state in the nation and Former President Donald Trump would win in a landslide. The ill-fated bidenomics is considered a joke by many. Former President Barack Obama running the White House behind the scenes is not cutting it. Barack Obama and other Democrats and Globalists puppeteering the Dementia stumbling struggling Joe Biden is trying to get Biden off the election ballot for 2024 due to his mental health deterioration and aggressive Dementia affecting his business decisions and stumbling posture and lack of control and his ability to control his bowels. Barack Obama seems like he is planning on preparing Former First Lady/Man Michael Robinson Obama aka Michelle Obama as the candidate for President for 2024. Many experts and political analysts believe it will be hard to win the Presidency and Take Control of Congress without cheating at the polls. Hillary Clinton and Gavin Newsom are the other potential Presidential candidates besides Big Mike Obama

Here are the best updated numbers for everything Mortgage Statictics including the number of loan officers as of January 2024. A lot of Mortgage Companies, even companies who we worked for are no longer in business. For example, Loan Cabin, Inc. Is completely closed and two states California and Texas revoked their NMLS full eagle Mortgage Lender and Mortgage Broker licenses. Here is the statistics for mortgage industry

https://www.statista.com/topics/1685/mortgage-industry-of-the-united-states/#topicOverview

statista.com

Topic: Mortgage industry in the U.S.

Find the most up-to-date statistics and facts on the mortgage industry in the United States

Members of Congress, the President and other state politicians should have term limits. Term limits are a necessity to avoid politicians avoid corruption and using elected office to take care of yourself, family, friends, and promote patronage. Together with working on making the community better and giving the best man who can help make America better, we can all strive to make America 🇺🇸 the best country in the world 🌎 and corruption a treasonous crime that is self serving of the death penalty and the crime of treason should be the death penalty.

In this thread, we will cover a summary of the Jeffrey Epstein Pedophile Island Guest Report.

https://youtu.be/bjKsmyqFr8A?si=jGTQaPsYwDbUJsyv

• This discussion was modified 1 year, 2 months ago by  Mark.

Former U.S. Presidents become millionaires after they leave office. Many Presidents like Bill Clinton and Barack Obama are not wealthy when elected president but become millionaires when they leave the White House. Joe Biden never had a job in his life. After leaving law school, Biden was elected to the United States Senate and served as a politician for 50 years. Plagued with accusations of corruption with mountain of evidence, Biden poll numbers make him the worst President in the history of the United States. Look at this video clip about how Former Presidents spend their millions

https://youtu.be/n8NecVdMoXQ?si=dcyVYR5ssfWZe10-

Cute cat and dog video making a break in. Funny

https://youtube.com/shorts/wKc-eshuaEo?si=9cYXpKQuM9VTq2ip

Here is the world’s most incredible numb nuts who predicted inflation to be lower in 2023. And we are listening to her as an authority on the U.S. economy. Janet Yellen is the laughing stock of the world and has absolutely no creditbitlity. The current administration is on lie alert and fake news alert to stay in office with election year. Politicians are doing everything in the world to stay in office. LIE, CHEAT, FAKE NEWS, AND FUDGE NUMBERS.

https://www.youtube.com/watch?v=d6z0iIn30zc

Like to welcome my Tim Cho of Cho Time Fitness to GCA FORUMS. Tim is my son and has been a champion wrestler in high school, and is a former professional mixed martial arts fighter. Time is also a drill sergeant in the United States Army reserves and does personal training, and coaches groups like local police departments and other agencies in defensive tactics. Tim is going to launch and run the eGym and Nutrion subforum under the HEALTH, WELLNESS, AND FITNESS FORUM here and will answer any questions viewers have about setting up a work out regiment, defensive tactics, and nutrition. His company, Cho Time Fitness is a one on one personal training curriculum. He is taking a working business model and plans on expanding his successful work out coaching program to those who want to be in the best health through regular exercise, and proper eating.

Doctors suggest to exercise for diabetics but many people have a busy schedule. Is there a sucessful workout regiment for diabetics with a heavy work schedule. Many people who are tied to computers and remote workers have a busy schedule they do not have the opportunity to execise. Any suggestions would be greatly appreciated.

Jeffrey Epstein has made international news as the pedophile of the stars. Famous people like Former President Bill Clinton, Bill Gates, Prince Andrew, Oprah Winfrey, AL Gore, Kathy Griffin, Charlie Sheen, Dustin Hoffman, Henry Kizinger, Dan Sneider, George Mitchell, Naomi Campbell, Phil Campbell, Steven Colbert, Sean Carter, Alec Baldwin, Dustin Hoffman, Phil Collins, Sreven Spielberg, Kevin Spacey, Joan Rivers, Charlie Rose, Seth Green, Tom Hanks, Ralph Fenese, Janice Dixon, former New Mexico Governor Bill Richardson, Richard Brandson, and several hundred politicians, actors, and CEOs of large corporations. So who is this king of pedophiles and pedophiles who befriended this child molester and monster. Here is a 60 minute special on who Jeffrey Epstein is

https://youtu.be/VQOOxOl9l80?si=e1l_X8US2RDjL6QV

Jobs numbers released is fake news. Bidenomics is a joke and a farce. The economic is in sad shape. Worse than ever expected. Jerome Powell needs fake news and make sure the current administration looks good to protect their jobs. Many Americans cannot pay their bills. Credit card deliquencies has been the highest in decades. Consumer debt has set historic records because surging inflation. You do not have to be an economist to see that inflation is out of control. Look at the price of goods and services now compared to one year ago. You cannot keep ahead and whatever you buy to survive you are going into a hole because the your wages are not keeping up with the cost of goods and services due to skyrocketing inflation. Here is a good video that tells the important facts about the FAKE NEWS on economic numbers.

https://www.youtube.com/watch?v=6uoPN5jnknQ

Updating old content that got penalized with the latest Google Algorithm UPDATE in September 2023 has helped rankings. Ravinder Sharma, our digital marketing and SEO director has been monitoring our websites after the 2023 latest Google Algorithm changes and found that blogs that have been updated and refreshed has increased in rankings on all search engines. I will have Ravinder post more on this topic.

Jeffrey Epstein, the pedophile sexual predator has bribed famous people including politicians to his pedophile palace in the United States Virgin Islands often referred to Epstein Island. The names of the important people who were his guests was released. Here is a video news about who the guests of Jeffrey Epstein were.

https://youtube.com/shorts/SWWNf3ZAKTI?si=-n3N9m3Bh97raCq4

What type of gym equipment would you recommend for someone who lives in a small apartment and does not have a lot of room? Is there a universal gym equipment that works and is effective that does not cost an arm and a leg?

VA manual underwriting refers to the process of manually evaluating a mortgage loan application for a home purchase or refinance that is backed by the U.S. Department of Veterans Affairs (VA). VA loans are a type of mortgage loan program available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. These loans are designed to help veterans and their families purchase or refinance homes with favorable terms and conditions.

In most cases, VA loans are processed and underwritten using automated systems, which assess factors like credit scores, income, and debt-to-income ratios to determine an applicant’s eligibility and the terms of the loan. However, in some situations, borrowers may not meet the automatic underwriting criteria, and their loan applications will be subject to manual underwriting.

Here are some common reasons why a VA loan application might undergo manual underwriting:

1. Low credit score: If the applicant’s credit score falls below the minimum required for automated underwriting, the loan may need to be manually underwritten.

2. Limited credit history: Applicants with a limited credit history may also require manual underwriting since there may not be enough data for automated evaluation.

3. High debt-to-income ratio: If an applicant’s debt-to-income ratio is higher than the automated underwriting system’s threshold, manual underwriting may be necessary to assess their ability to repay the loan.

4. Irregular income: Borrowers with income that is difficult to document or verify, such as self-employed individuals, may need manual underwriting.

During the manual underwriting process, a human underwriter carefully reviews the borrower’s financial documents, credit history, and other relevant information to make a lending decision. This process may involve more in-depth analysis and documentation than automated underwriting.

It’s important to note that manual underwriting doesn’t necessarily mean that a borrower won’t qualify for a VA loan. It simply means that their application will be evaluated through a more hands-on and thorough process. Borrowers should work closely with their lender to provide all required documentation and information to facilitate the manual underwriting process.

Keep in mind that VA loan eligibility and underwriting guidelines can change over time, so it’s essential to consult with a knowledgeable VA loan specialist or lender to get the most up-to-date information and guidance on the VA loan application process.