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	<title>Great Community Authority Forums | Sapna Sharma | Favorites</title>
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				<title>Gustan Cho replied to the discussion Mortgage Branch Partnership Models in the forum Mortgage Training and Education Licensing</title>
				<link>https://gcaforums.com/topic/mortgage-branch-partnership-models/#post-37454</link>
				<pubDate>Thu, 18 Jun 2026 17:20:38 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-branch-partnership-models/#post-37454"><span class="bb-reply-lable">Reply to</span> Mortgage Branch Partnership Models</a></p> <div class="bb-content-inr-wrap"><p>This topic and subject matter are very important. Many team leaders, mortgage net branch managers, and owners of mortgage brokerage companies neglect to do a thorough due diligence on their current P and L on their current company and pro-forma P and L on a new prospective company.  There should be many existing free templates where you do&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28794"><a href="https://gcaforums.com/topic/mortgage-branch-partnership-models/#post-37454" rel="nofollow"> Read more</a></span></p>
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				<title>Lori replied to the discussion 17 Million People Died of COVID Vaccine in the forum News</title>
				<link>https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37444</link>
				<pubDate>Wed, 17 Jun 2026 23:25:17 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37444"><span class="bb-reply-lable">Reply to</span> 17 Million People Died of COVID Vaccine</a></p> <div class="bb-content-inr-wrap"><p>Sen. Ron Johnson led a Senate hearing examining claims about COVID-19 vaccine safety, cancer risks, and allegations that federal health agencies suppressed research and vaccine injury data. The hearing, titled &#8220;Plausible Mechanisms of COVID-19 Injections Causing Cancer and Attacks on Scientific Publications and Research,&#8221; featured testimony&hellip;<span class="activity-read-more" id="activity-read-more-28793"><a href="https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37444" rel="nofollow"> Read more</a></span></p>
<iframe title="Ron Johnson Questions Vaccine Safety Claims | Senators Probe Cancer Concern | Covid Debate Reignites" width="640" height="360" src="https://www.youtube.com/embed/l84H3SzjF50?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Lori started the discussion GCA FORUMS NEWS for Tuesday Wednesday June 17 2026 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-wednesday-june-17-2026/</link>
				<pubDate>Wed, 17 Jun 2026 22:53:47 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-wednesday-june-17-2026/">GCA FORUMS NEWS for Tuesday Wednesday June 17 2026</a></p> <div class="bb-content-inr-wrap"><p>All eyes are on Federal Reserve Chair Kevin Warsh as he delivers his first major press conference amid rising inflation and growing pressure over interest rates. Investors, businesses, and borrowers are closely watching for clues on the Fed’s next move and whether rate cuts remain on the table. Warsh has pledged to keep the Federal Reserve&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28792"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-wednesday-june-17-2026/" rel="nofollow"> Read more</a></span></p>
<iframe title="Fed keeps rates unchanged in first meeting chaired by Kevin Warsh" width="640" height="360" src="https://www.youtube.com/embed/WnOFtpqTkFU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Lori replied to the discussion Contract Mortgage Processing vs In-House Processing in the forum Mortgage Process</title>
				<link>https://gcaforums.com/topic/contract-mortgage-processing-vs-in-house-processing/#post-37442</link>
				<pubDate>Wed, 17 Jun 2026 22:42:34 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/contract-mortgage-processing-vs-in-house-processing/#post-37442"><span class="bb-reply-lable">Reply to</span> Contract Mortgage Processing vs In-House Processing</a></p> <div class="bb-content-inr-wrap"><p>Can you please explain a comprehensive overview step by step process on how to become a contract mortgage processing c9mpany? Do you need to be NMLS LICENSED, who do you contact to begin the process, can you become a mortgage broker and contract processor, how long is the timeline process from application to contract processing approval, when&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28791"><a href="https://gcaforums.com/topic/contract-mortgage-processing-vs-in-house-processing/#post-37442" rel="nofollow"> Read more</a></span></p>
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				<title>Tina started the discussion Mortgage Branch Partnership Models in the forum Mortgage Training and Education Licensing</title>
				<link>https://gcaforums.com/topic/mortgage-branch-partnership-models/</link>
				<pubDate>Wed, 17 Jun 2026 19:35:42 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-branch-partnership-models/">Mortgage Branch Partnership Models</a></p> <div class="bb-content-inr-wrap"><p><b><strong>Partnership Models for MLOs, Owners of Mortgage Net Branches, Branch Managers; Brokerage Joint Venture, Merger, and Third-Party Marketing Agreements</strong></b></p>
<p>There are several ways to create mortgage branch partnerships. Some MLOs choose to start their own Mortgage Net Branch, while Branch Managers may join independent branches to build stronger&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28790"><a href="https://gcaforums.com/topic/mortgage-branch-partnership-models/" rel="nofollow"> Read more</a></span></p>
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				<title>Cameron replied to the discussion Contract Mortgage Processing vs In-House Processing in the forum Mortgage Process</title>
				<link>https://gcaforums.com/topic/contract-mortgage-processing-vs-in-house-processing/#post-37437</link>
				<pubDate>Tue, 16 Jun 2026 06:13:19 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/contract-mortgage-processing-vs-in-house-processing/#post-37437"><span class="bb-reply-lable">Reply to</span> Contract Mortgage Processing vs In-House Processing</a></p> <div class="bb-content-inr-wrap"><p>Contract mortgage processing involves independent individuals or businesses handling mortgage loan paperwork and administrative tasks for mortgage brokers, loan officers, or lenders. These processors work as contractors, not employees, and typically serve multiple clients simultaneously.</p>
<p>As a contract processor, you manage mortgage&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28789"><a href="https://gcaforums.com/topic/contract-mortgage-processing-vs-in-house-processing/#post-37437" rel="nofollow"> Read more</a></span></p>
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				<title>Danny Vesokie &#124; Affiliated Financial Partners started the discussion GCA Forums News Monday June 15 2026 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-monday-june-15-2026/</link>
				<pubDate>Tue, 16 Jun 2026 05:47:57 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-monday-june-15-2026/">GCA Forums News Monday June 15 2026</a></p> <div class="bb-content-inr-wrap"><p>GCA Forums’ News for June 16, 2026: Topics and sections for today’s national breaking news will include the latest housing and mortgage news, with updates on mortgage rates, interest rates, economists’ and monetary experts’ forecasts on the economy, and news related to real estate and stock markets. Updates will also cover gold and silver&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28788"><a href="https://gcaforums.com/topic/gca-forums-news-monday-june-15-2026/" rel="nofollow"> Read more</a></span></p>
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				<title>Tina replied to the discussion LARGE CRAB LEGS and LOBSTER in the forum Food</title>
				<link>https://gcaforums.com/topic/large-crab-legs-and-lobster/#post-37423</link>
				<pubDate>Sun, 14 Jun 2026 16:55:35 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/large-crab-legs-and-lobster/#post-37423"><span class="bb-reply-lable">Reply to</span> LARGE CRAB LEGS and LOBSTER</a></p> <div class="bb-content-inr-wrap"><p>The following establishments are recommended for sourcing large crab legs and lobster in Chicagoland and Milwaukee. Please contact each location in advance, as inventory changes daily.</p>
<p>changes daily.</p>
<p><b><strong>Chicagoland Options:</strong></b></p>
<p>Wabash Seafood Co. – Chicago</p>
<ul>
<li><strong>Address:</strong> 2257 W Hubbard St, Chicago, IL</li>
<li><strong>Contact :</strong> 312-733-5070</li>
</ul>
<blockquote>
<p>This location is a seafood wholesaler&hellip;</p>
</blockquote>
<p><span class="activity-read-more" id="activity-read-more-28782"><a href="https://gcaforums.com/topic/large-crab-legs-and-lobster/#post-37423" rel="nofollow"> Read more</a></span></p>
<iframe title="Why Maine&amp;apos;s $1 Billion Lobster Industry Could Be At Risk | Big Business | Business Insider" width="640" height="360" src="https://www.youtube.com/embed/F4v-eNmWECw?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Gustan Cho replied to the discussion 17 Million People Died of COVID Vaccine in the forum News</title>
				<link>https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37421</link>
				<pubDate>Sun, 14 Jun 2026 15:33:55 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37421"><span class="bb-reply-lable">Reply to</span> 17 Million People Died of COVID Vaccine</a></p> <div class="bb-content-inr-wrap"><p>Did you hear the saying people who lie, deceive, steal, or hurt will get discovered and caught? It&#8217;s NOT if you are going to get caught BUT when. There is a God. A good God. Theres also Satan. A BAD SATAN that want to hurt people and all living things.  </p>
<p>In this exclusive interview, Jimmy speaks with Senator Ron Johnson about his investigation&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28781"><a href="https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37421" rel="nofollow"> Read more</a></span></p>
<iframe title="THIS Is How They Covered Up The COVID Vaxx’s DEADLY Side Effects! w/ Sen. Ron Johnson" width="640" height="360" src="https://www.youtube.com/embed/ydkMwOp2Fhk?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Gustan Cho started the discussion LARGE CRAB LEGS and LOBSTER in the forum Food</title>
				<link>https://gcaforums.com/topic/large-crab-legs-and-lobster/</link>
				<pubDate>Sun, 14 Jun 2026 15:16:59 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/large-crab-legs-and-lobster/">LARGE CRAB LEGS and LOBSTER</a></p> <div class="bb-content-inr-wrap"><p>Does Anyone Know Where I Can Get Large Crab &#x1f980; Legs and Large Lobster in the Chicagoland through Milwaukee, Wisconsin  Area.  Needs to be fresh (Frozen is Fine) and taste good. A group of close friends with mutual interests asked me for a referral wholesaler of Crab Legs&hellip;<span class="activity-read-more" id="activity-read-more-28780"><a href="https://gcaforums.com/topic/large-crab-legs-and-lobster/" rel="nofollow"> Read more</a></span></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">facebook.com</p><p class="bb-link-preview-title"><a href="https://www.facebook.com/reel/1157982277409289/?mibextid=9drbnH&#038;s=yWDuG2&#038;fs=e" target="_blank" rel="nofollow">Facebook</a></p><div class="bb-link-preview-excerpt"><p>Facebook</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Tina started the discussion Cash-Out Refinance in the forum Cash-Out Refinance</title>
				<link>https://gcaforums.com/topic/cash-out-refinance-2/</link>
				<pubDate>Sat, 13 Jun 2026 18:18:25 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/cash-out-refinance-2/">Cash-Out Refinance</a></p> <div class="bb-content-inr-wrap"><p>I have a brand new $620,000 house that I built. I have a balance of 155,000 on my construction loan and I would like to get up another 25,000 for a total of 180,000.</p>
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				<title>Gustan Cho replied to the discussion VA Loan with Late Payments in Past 12 Months in the forum VA Loans</title>
				<link>https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/#post-37417</link>
				<pubDate>Sat, 13 Jun 2026 18:06:35 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/#post-37417"><span class="bb-reply-lable">Reply to</span> VA Loan with Late Payments in Past 12 Months</a></p> <div class="bb-content-inr-wrap"><p>The department of Veterans Affairs has the most lenient agency guidelines on VA loans. The VA has a reputation of going above and beyond to help its active duty, disabled, or retired members of the United States Military qualify and get approved for a VA loan. There are no minimum credit score requirements on VA loans. There are no&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28778"><a href="https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/#post-37417" rel="nofollow"> Read more</a></span></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-image"><div class="bb-link-preview-image-cover"><a href="https://gustancho.com/recent-late-payment-va-guidelines/" target="_blank"><img src="https://gcaforums.com/wp-content/uploads/2026/06/Recent-Late-Payment-VA-Guidelines-1-1.jpg" /></a></div></div><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">gustancho.com</p><p class="bb-link-preview-title"><a href="https://gustancho.com/recent-late-payment-va-guidelines/" target="_blank" rel="nofollow">Recent Late Payment VA Guidelines</a></p><div class="bb-link-preview-excerpt"><p>Recent Late Payment VA Guidelines says late payments in the past 12 months isn't always a deal killer in getting approved per AUS FINDINGS</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Susan started the discussion VA Loan with Late Payments in Past 12 Months in the forum VA Loans</title>
				<link>https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/</link>
				<pubDate>Sat, 13 Jun 2026 16:59:24 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/">VA Loan with Late Payments in Past 12 Months</a></p> <div class="bb-content-inr-wrap"><p>My husband and I recently moved to Indiana from WA, we sold our home there which was a VA loan, however we had late payments on the mortgage due to some health things I went through last year. We know are trying to find a new option for living as currently living with a friend to get our self established in new jobs in a new state but we&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28776"><a href="https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/" rel="nofollow"> Read more</a></span></p>
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				<title>Stanley started the discussion CAN I QUALIFY FOR MANUAL UNDERWRITING VA LOAN in the forum VA Manual Underwriting</title>
				<link>https://gcaforums.com/topic/can-i-qualify-for-manual-underwriting-va-loan/</link>
				<pubDate>Sat, 13 Jun 2026 15:24:19 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/can-i-qualify-for-manual-underwriting-va-loan/">CAN I QUALIFY FOR MANUAL UNDERWRITING VA LOAN</a></p> <div class="bb-content-inr-wrap"><p>I am applying by myself using my VA loan. I have a 583 middle credit score, which is currently within the mortgage shopping window. Rocket Mortgage capped me at $120k due to an automated computer overlay, but I need an approval for $200k to get this house. I have 2 continuous years of W-2 income with $3200 monthly, $1663 monthly, tax-free&hellip;<span class="activity-read-more" id="activity-read-more-28775"><a href="https://gcaforums.com/topic/can-i-qualify-for-manual-underwriting-va-loan/" rel="nofollow"> Read more</a></span></p>
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				<title>Danny Vesokie &#124; Affiliated Financial Partners replied to the discussion HUD GUIDELINES on FHA MORTGAGE INSURANCE PREMIUM in the forum Residential Mortgage Loans</title>
				<link>https://gcaforums.com/topic/hud-guidelines-on-fha-mortgage-insurance-premium/#post-37413</link>
				<pubDate>Sat, 13 Jun 2026 13:38:13 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/hud-guidelines-on-fha-mortgage-insurance-premium/#post-37413"><span class="bb-reply-lable">Reply to</span> HUD GUIDELINES on FHA MORTGAGE INSURANCE PREMIUM</a></p> <div class="bb-content-inr-wrap"><p>For most FHA forward loans, purchase and refinance, the one-time charge for Up Front Mortgage Insurance Premium (UFMIP) stays at 1.75% of the base loan amount. This fee is the same whether the loan is for 15 years or 30 years, regardless of the loan-to-value ratio. Lenders generally roll this fee into the mortgage amount; however, the borrower&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28774"><a href="https://gcaforums.com/topic/hud-guidelines-on-fha-mortgage-insurance-premium/#post-37413" rel="nofollow"> Read more</a></span></p>
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				<title>Danny Vesokie &#124; Affiliated Financial Partners replied to the discussion Mortgage After Bankruptcy in the forum Mortgage After Bankruptcy And Foreclosure</title>
				<link>https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37412</link>
				<pubDate>Sat, 13 Jun 2026 13:21:48 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37412"><span class="bb-reply-lable">Reply to</span> Mortgage After Bankruptcy</a></p> <div class="bb-content-inr-wrap"><p>Yes, there is hope. You’ve probably heard that a discharge in bankruptcy means the end of the world for you. Fear not! Discharged bankruptcy usually falls off your credit report after 10 years (for Chapter 7) and after 7 years (for Chapter 13). Debts of deceased parents are paid from the estate and are not paid by family members, unless you are&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28773"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37412" rel="nofollow"> Read more</a></span></p>
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				<title>Lilly replied to the discussion Mortgage After Bankruptcy in the forum Mortgage After Bankruptcy And Foreclosure</title>
				<link>https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37411</link>
				<pubDate>Sat, 13 Jun 2026 13:14:37 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37411"><span class="bb-reply-lable">Reply to</span> Mortgage After Bankruptcy</a></p> <div class="bb-content-inr-wrap"><p>I have been trying to save my parents property since there death. I filed Bankruptcy, but it was discharged. I was unable to financially keep it but now it&#8217;s on my credit, is there hope for me?</p>
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				<title>Bryon Walton posted an update: I’ve been talking with a retirement strategy specialist [&#133;]</title>
				<link>https://gcaforums.com/activity/p/28771/</link>
				<pubDate>Fri, 12 Jun 2026 22:44:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>I’ve been talking with a retirement strategy specialist who helps people review their accounts and see if they’re actually getting the best possible growth. A lot of people just leave their 401(k) untouched for years without realizing there may be better ways to allocate their funds.</p>
<p>What he basically does is look at your current setup, your&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28771"><a href="https://gcaforums.com/activity/p/28771/" rel="nofollow"> Read more</a></span></p>
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				<title>Gustan Cho replied to the discussion Can I Refinance with a First Mortgage and a Second Mortgage in the forum Residential Mortgage Loans</title>
				<link>https://gcaforums.com/topic/can-i-refinance-with-a-first-mortgage-and-a-second-mortgage/#post-37410</link>
				<pubDate>Fri, 12 Jun 2026 19:04:06 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/can-i-refinance-with-a-first-mortgage-and-a-second-mortgage/#post-37410"><span class="bb-reply-lable">Reply to</span> Can I Refinance with a First Mortgage and a Second Mortgage</a></p> <div class="bb-content-inr-wrap"><p>Let me ask a few MLOs or wholesale reps who are more knowledgeable.  Didn&#8217;t do a refinance in three years. </p>
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				<title>Connie replied to the discussion Can I Refinance with a First Mortgage and a Second Mortgage in the forum Residential Mortgage Loans</title>
				<link>https://gcaforums.com/topic/can-i-refinance-with-a-first-mortgage-and-a-second-mortgage/#post-37409</link>
				<pubDate>Fri, 12 Jun 2026 18:55:42 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/can-i-refinance-with-a-first-mortgage-and-a-second-mortgage/#post-37409"><span class="bb-reply-lable">Reply to</span> Can I Refinance with a First Mortgage and a Second Mortgage</a></p> <div class="bb-content-inr-wrap"><p>Every DPA program has its own rules, regulationss, and guidelines. Homeowner may need need to read the second. Most have a 5 year waiting period. Some will forgive 1% for each year then after 5  it&#8217;s gone. If they refi or sell it has to be satisfied. </p>
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