Great Community Authority Forums | Placement | Activity https://gcaforums.com/members/allaohgmg/activity/ Activity feed for Placement. Tue, 12 May 2026 19:17:25 +0000 https://buddypress.org/?v=2.21.1 en-US 30 hourly 2 a292219af9f77bc1c450a24058801678 Placement replied to the discussion Working For Two Mortgage Companies At The Same Time in the forum Loan Officer Career Opportunities https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35912 Wed, 01 Apr 2026 21:44:00 +0000 Reply to Working For Two Mortgage Companies At The Same Time

NEXA and Coast to Coast Mortgage Lending each offer very different compensation structures for loan officers and mortgage professionals. At NEXA, the overall lender-paid compensation is based on 275 basis points. From that amount, NEXA keeps 25 basis points, then an additional 30 basis points, which leaves the independent loan officer with…

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]]> 791a35fe70c48d6acc4984d7c4483eec Placement replied to the discussion Working For Two Mortgage Companies At The Same Time in the forum Loan Officer Career Opportunities https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35911 Wed, 01 Apr 2026 21:35:46 +0000 Reply to Working For Two Mortgage Companies At The Same Time

With NEXA, the math is purely percentage-based. Every loan starts at 275 bps from the wholesale lender. NEXA takes 25 bps off the top as its admin fee — unless you’ve crossed $3 million in monthly volume, at which point that 25 bps is waived entirely. From what remains, NEXA takes another 30 bps as the branch fee, landing the independent MLO at…

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]]> 3db437d61fc1e336487c87bd3d515834 Elizabeth Ratt completed the requirement "Earn 1000 Points" of the rank Member: https://gcaforums.com/activity/p/20370/ Mon, 18 Nov 2024 02:15:53 +0000
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]]> 0 73acc47e2b82fb0a84450aec1a9a2df1 Placement started the discussion Should I close out aged credit card accounts in the forum Credit Forum https://gcaforums.com/topic/should-i-close-out-aged-credit-card-accounts/ Mon, 18 Nov 2024 00:49:11 +0000 Should I close out aged credit card accounts

Should I close out aged credit card accounts?

]]> a2720e38bf59e74b3fe554809feab4f7 Placement replied to the discussion FINANCING FOR A RENTAL HOME in the forum Investment Properties https://gcaforums.com/topic/financing-for-a-rental-home/#post-22882 Sun, 17 Nov 2024 03:06:53 +0000 Reply to FINANCING FOR A RENTAL HOME

How much can I realistically borrow based on my financial situation?

]]> a963c57b4d2ea3001fe2cda4b3bf58b0 Placement started the discussion Can I Qualify for an FHA Loan Cash-Out Refinance With a 580 FICO in the forum Cash-Out Refinance https://gcaforums.com/topic/can-i-qualify-for-an-fha-loan-cash-out-refinance-with-a-580-fico/ Sun, 17 Nov 2024 02:53:05 +0000 Can I Qualify for an FHA Loan Cash-Out Refinance With a 580 FICO

Would I be eligible for a cash out refi with 80% equity in my home and a 580 credit score?

]]> 0718633ff4202e901937f50965ab0b50 Placement started the discussion Will bank overdrafts disqualify me for a mortgage loan approval in the forum Case Scenarios https://gcaforums.com/topic/will-bank-overdrafts-disqualify-me-for-a-mortgage-loan-approval/ Sun, 17 Nov 2024 02:50:09 +0000 Will bank overdrafts disqualify me for a mortgage loan approval

Will bank overdrafts disqualify me for a mortgage loan approval?

]]> c23f69c2ef6ac0af2004528b8902865e Placement started the discussion Qualifying For Home Loan With Late Payments After Chapter 13 Bankruptcy? in the forum Mortgage During and After Chapter 13 Bankruptcy https://gcaforums.com/topic/qualifying-for-home-loan-with-late-payments-after-chapter-13-bankruptcy/ Sun, 17 Nov 2024 02:48:35 +0000 Qualifying For Home Loan With Late Payments After Chapter 13 Bankruptcy?

How Can I Qualify For Home Loan With Late Payments After Chapter 13 Bankruptcy?

]]> c1532fe30d8da818941471f76108bb3b Placement started the discussion Qualifying For FHA Loan After Chapter 13 Bankruptcy Discharge in the forum Mortgage During and After Chapter 13 Bankruptcy https://gcaforums.com/topic/qualifying-for-fha-loan-after-chapter-13-bankruptcy-discharge/ Sun, 17 Nov 2024 02:46:40 +0000 Qualifying For FHA Loan After Chapter 13 Bankruptcy Discharge

Qualifying For FHA Loan After Chapter 13 Bankruptcy Discharge

]]> 909060cafa6f40121d8aaf881a3f2079 Placement started the discussion Qualifying for a FHA with Gaps in Employment? in the forum FHA Loans https://gcaforums.com/topic/qualifying-for-a-fha-with-gaps-in-employment/ Sun, 17 Nov 2024 02:43:30 +0000 Qualifying for a FHA with Gaps in Employment?

Qualifying for a FHA with Gaps in Employment? What are the HUD guidelines on qualifying for an FHA loan with employment gaps?

]]> e6945e98cb1b538220a9bb86bbcb9b7d Elizabeth Ratt completed the requirement "Earn 100 Points" of the rank Associate Member: https://gcaforums.com/activity/p/20348/ Sun, 17 Nov 2024 02:41:33 +0000
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]]> 0 9c4151432725257cf54f57c0555d23d1 Elizabeth Ratt reached the rank Associate Member: https://gcaforums.com/activity/p/20347/ Sun, 17 Nov 2024 02:41:32 +0000
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]]> 0 59cc402b1852d7399eac3f1d4aea6394 Elizabeth Ratt completed the requirement "Earn 30 Points" of the rank Rookie: https://gcaforums.com/activity/p/20346/ Sun, 17 Nov 2024 02:41:32 +0000
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]]> 0 e3899be4ddae2c8521d471e1587e7a5d Elizabeth Ratt reached the rank Rookie: https://gcaforums.com/activity/p/20345/ Sun, 17 Nov 2024 02:41:30 +0000
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]]> 0 c0deac8a28d72e6a33a7e262f1b13443 Elizabeth Ratt completed the requirement "Earn 100 Points" of the rank Junior Member: https://gcaforums.com/activity/p/20344/ Sun, 17 Nov 2024 02:41:30 +0000
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]]> 0 026590ff094c79f4445e8ff54ca8327e Elizabeth Ratt reached the rank Junior Member: https://gcaforums.com/activity/p/20343/ Sun, 17 Nov 2024 02:41:27 +0000
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]]> 0 765df237305beefbdce4db247c782934 Placement started the discussion Qualifying For Mortgage With Charge Off With Balances in the forum FHA Loans https://gcaforums.com/topic/qualifying-for-mortgage-with-charge-off-with-balances/ Sun, 17 Nov 2024 02:41:22 +0000 Qualifying For Mortgage With Charge Off With Balances

Qualifying For Mortgage With Charge Off With Balances. I have multiple outstanding charge-off accounts with balances. Can I qualify for a mortgage?

]]> 962d4b0eaba136e5d51a76c32e82f8bf Placement started the discussion FHA loans with high debt-to-income ratio in the forum FHA Loans https://gcaforums.com/topic/fha-loans-with-high-debt-to-income-ratio/ Sun, 17 Nov 2024 02:36:55 +0000 FHA loans with high debt-to-income ratio

I want to purchase a home. But I’m stuck with the Debt to Income Ratio. Not because I have debt. I don’t have debt ( I already paid it all). However, my income for W2 2020 is only $41,000, or around $3600/month. I have 150K in my bank, but I only want to use it for a downpayment of 3,5% because I want to use the rest of the money to build… Read more

]]> 152f11cea26c3696c6d4f36aebf50fa9 Placement started the discussion FHA Loan in Wisconsin in the forum FHA Loans https://gcaforums.com/topic/fha-loan-in-wisconsin/ Sun, 17 Nov 2024 02:32:36 +0000 FHA Loan in Wisconsin

I am trying to purchase a home in Wisconsin. The state of Wisconsin is a community property state. I want to exclude my wife from my FHA LOAN. However, she has a lot of debts. She has a full-time job. Can her debts not count if she makes a lot of income? Counting her debts and excluding her income disqualifies me due to going over the… Read more

]]> 3beb75fff5fa8495dd29d198440d8b93 Placement replied to the discussion The Rise and Fall of Barack Obama in the forum Politics & Political Affiliations https://gcaforums.com/topic/the-rise-and-fall-of-barack-obama/#post-22871 Sun, 17 Nov 2024 02:21:07 +0000 Reply to The Rise and Fall of Barack Obama

How did the media’s portrayal of Obama compare to that of previous presidents?

]]> fc3450974af57d740674bfaf2b52649e Placement replied to the discussion The Rise and Fall of Barack Obama in the forum Politics & Political Affiliations https://gcaforums.com/topic/the-rise-and-fall-of-barack-obama/#post-22869 Sun, 17 Nov 2024 02:07:48 +0000 Reply to The Rise and Fall of Barack Obama

Discuss the role of the media in shaping Obama’s public image.

]]> 46ef1fdadcb65b476365a25515f195aa Placement replied to the discussion Kamala Harris Spent 1 Billion on Campaign: 20 Million in Debt in the forum Campaigns & Elections https://gcaforums.com/topic/kamala-harris-spent-1-billion-on-campaign-20-million-in-debt/#post-22862 Sat, 16 Nov 2024 20:43:52 +0000 Reply to Kamala Harris Spent 1 Billion on Campaign: 20 Million in Debt

Can you show me an example of a Kamala Harris FEC filing?

]]> 7826e256ef7654cbae61384f0f1df4e9 Placement replied to the discussion Kamala Harris Spent 1 Billion on Campaign: 20 Million in Debt in the forum Campaigns & Elections https://gcaforums.com/topic/kamala-harris-spent-1-billion-on-campaign-20-million-in-debt/#post-22861 Sat, 16 Nov 2024 19:21:47 +0000 Reply to Kamala Harris Spent 1 Billion on Campaign: 20 Million in Debt

Where can I find the FEC filings you mentioned?

]]> 0a7672f55ecc67e480962b91910b15a9 Placement replied to the discussion Kamala Harris Spent 1 Billion on Campaign: 20 Million in Debt in the forum Campaigns & Elections https://gcaforums.com/topic/kamala-harris-spent-1-billion-on-campaign-20-million-in-debt/#post-22859 Sat, 16 Nov 2024 19:13:18 +0000 Reply to Kamala Harris Spent 1 Billion on Campaign: 20 Million in Debt

Can you quantify the spending on each category?

]]> 0f8d1176c1632eea77d9647fc1839bdd Placement replied to the discussion Kamala Harris Spent 1 Billion on Campaign: 20 Million in Debt in the forum Campaigns & Elections https://gcaforums.com/topic/kamala-harris-spent-1-billion-on-campaign-20-million-in-debt/#post-22857 Sat, 16 Nov 2024 19:07:17 +0000 Reply to Kamala Harris Spent 1 Billion on Campaign: 20 Million in Debt

What were the biggest expenses in her campaign?

]]> 103112281b7178f1d945576718c8ae05 Placement started the discussion FHA LOAN WITH TAX LIEN in the forum TAX Topics https://gcaforums.com/topic/fha-loan-with-tax-lien/ Sat, 16 Nov 2024 00:39:41 +0000 FHA LOAN WITH TAX LIEN

I have a payment plan with both the state of Kansas and the IRS for under payment on taxes. We know what the problem was with my wifes withholding at her employer. IRS doesn’t ask for the debt to be paid in a year, but Kansas does. Both debts will be paid off in a year or earlier. (Due to the them taking next years tax return if money is… Read more

]]> ae614b69df94d2d4feb9a101d94c335e Placement posted a new activity comment https://gcaforums.com/activity/p/20284/#acomment-20306 Fri, 15 Nov 2024 23:42:11 +0000 How can I improve my credit mix effectively?

In reply to - Bogna Dey posted an update

Hello! My husband and I were pre-approved in May on a $357,000 mortgage with middle scores of: 585 (husband) and 605 (me). We probably won’t close until the end of September/first […]

]]> db94f9658ca9da287b33c55caf526b19 Placement posted a new activity comment https://gcaforums.com/activity/p/20284/#acomment-20304 Fri, 15 Nov 2024 22:10:34 +0000 What other factors influence my FICO score besides utilization?

In reply to - Bogna Dey posted an update

Hello! My husband and I were pre-approved in May on a $357,000 mortgage with middle scores of: 585 (husband) and 605 (me). We probably won’t close until the end of September/first […]

]]> d2911e3b4f5b842c7beacb3fe98aaf5a Placement posted a new activity comment https://gcaforums.com/activity/p/20284/#acomment-20301 Fri, 15 Nov 2024 22:01:51 +0000 What’s the recommended credit utilization percentage for a good FICO score?

In reply to - Bogna Dey posted an update

Hello! My husband and I were pre-approved in May on a $357,000 mortgage with middle scores of: 585 (husband) and 605 (me). We probably won’t close until the end of September/first […]

]]> 06a2135f780b61aca3fe0f506371add5 Placement posted a new activity comment https://gcaforums.com/activity/p/20284/#acomment-20298 Fri, 15 Nov 2024 21:42:37 +0000 @max2ns What specific loan programs are still viable options given our scores?

In reply to - Bogna Dey posted an update

Hello! My husband and I were pre-approved in May on a $357,000 mortgage with middle scores of: 585 (husband) and 605 (me). We probably won’t close until the end of September/first […]

]]> a278ab85ae7a919806a10ef47a01575b Placement started the discussion Mortgage With High Debt-to-Income Ratio in the forum FHA Loans https://gcaforums.com/topic/mortgage-with-high-debt-to-income-ratio/ Thu, 14 Nov 2024 20:02:39 +0000 Mortgage With High Debt-to-Income Ratio

I have a 705 credit score and zero late payments. I have a 16-year job history and make 80,000 per year. I also have a nine-year rental history. I have the opportunity to purchase the townhome that I’ve been renting, but I’m concerned because my DTI is 48.5%. Do you think I will still get an approval? If so, do you know if I will need…

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]]> 51f3a3561426b0c2a1f6b3424f0398f2 Placement posted an update: Is a one-year ARM a good deal-should rates go down […] https://gcaforums.com/activity/p/20168/ Tue, 12 Nov 2024 12:24:12 +0000 Is a one-year ARM a good deal-should rates go down next year?

I’ve been shopping to refinance my mtg. Quoted over the phone 6.5 or 6.75 for 30 year fixed, but one loan officer told me that he also had a 1 year arm at 5.25% and thus stated that rates must be much lower next year.

]]> 1 f3beb36fdfc6b41e3c5df515b6cd0646 Placement posted an update: I have PR in Colorado, can I sponsor my brother PR without IELTS? https://gcaforums.com/activity/p/19785/ Mon, 28 Oct 2024 13:23:02 +0000 I have PR in Colorado, can I sponsor my brother PR without IELTS?

]]> 1 8fcd137782660b58a77219f9bf3b257d Placement posted an update: Are there any extra costs or hidden charges applicable […] https://gcaforums.com/activity/p/18650/ Mon, 09 Sep 2024 12:46:59 +0000 Are there any extra costs or hidden charges applicable to home buyers to avail home down payment assistance?

]]> 1 40ed5bdcffd67a51fd5e590191e0440a Placement posted an update: How can I pay off my mortgage more quickly? https://gcaforums.com/activity/p/18209/ Wed, 28 Aug 2024 12:30:09 +0000 How can I pay off my mortgage more quickly?

]]> 1 384af659f69eb3891707e3ca40e64f88 Placement updated their profile https://gcaforums.com/activity/p/17784/ Tue, 20 Aug 2024 13:00:51 +0000 0 47e835a9f0c7e75f520ab213caf6c0e9 Placement posted an update: What do I need to do in order to refinance from an FHA to […] https://gcaforums.com/activity/p/17783/ Tue, 20 Aug 2024 12:58:53 +0000 What do I need to do in order to refinance from an FHA to a Conventional loan?

]]> 1 c100d01e14edf4184f9822779d3104ab Placement became a registered member https://gcaforums.com/activity/p/6510/ Tue, 12 Dec 2023 19:37:29 +0000 0