Monday, April 13 2026- TRENDING NEWS

REAL ESTATE AND HOUSING MARKET

Rising mortgage rates caused home sales to drop to their lowest point in nine months, according to the National Association of Realtors. Sales averaged 3.98 million per year, down 3.6% from last month and below the Dow Jones forecast of 4.05 million. At the same time, the…

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GCA Forums National News: Trump has secured a two-week ceasefire with Iran, and JD Vance’s negotiations have ended. Oil prices are down, while stocks and Bitcoin are up. The housing market is struggling more than in 2007, and Illinois faces a pension crisis. Political firings are increasing. Get live updates on mortgage rates, the…

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There are so many being ousted from the Trump Cabinet in the recent months and I don’t think the firings is not over. Homeland Security Secretary Kristi Noem, U.S. Attorney General Pam Bondi, Director of National Intelligence Tulsi Gabbard (Not Yet Confirmed) are among the recent cabinet members who are or getting the axe. There are rumors…

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On April 2, 2026, President Donald Trump announced that Pam Bondi would no longer serve as Attorney General. On Truth Social, Trump called Bondi a “Great American Patriot and loyal friend,” thanked her for her dedication, and said it was time for her to seek new opportunities in the private sector. Deputy Attorney General Todd Blanche will…

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Look what I saw on my Facebook Feed

Garlic Butter Shrimp Pasta. Looks great and delicious and I think its quick to make. Watch the attached video chort:

https://www.facebook.com/share/r/17KEndtCBb/

New York is a mess. You got the Socialist Democrat Zohran Mamdami getting elected Mayor of New York City and offering everything free. From child care to education, to housing, and healthcare. However, New York faces a crisis of $12 billion dollar in deficit. There is no money. The state’s richest are moving out of state many relocating…

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Chicago doesn’t have classic all-you-can-eat seafood buffets, but you can still find places with a similar vibe. Wagyu House Chicago has a buffet with crab legs, oysters, sushi, lobster, scallops, and steak. If you care more about top-quality seafood than variety, King Crab House Chicago and Shaw’s Crab House are excellent choices.

If you’re…

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Bitcoin is a digital currency that operates independently, free from the control of central banks or government authorities. Here is a glimpse into how a typical Bitcoin transaction unfolds.

Definition and Background

Bitcoin is a decentralized cryptocurrency, not owned or steered by any single person or organization. It made history as the…

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The upcoming Martin Luther King Day holiday presents a critical timing risk for precious metals investors, as regular trading halts until Tuesday while global futures markets remain active. Waiting for the standard market reopen could mean missing a significant price reset, as volatility is expected to spike during the holiday liquidity gap.…

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Erika Kirk, the late widow of Conservative Activist Charlie Kirk is one evil 😈 lying demon. She’s not even pretty with a large head and fake tears. She is capitalizing on Charlie’s death and is one huge power hungry witch. She always a tissue wiping off her fake tears. Thank God CharlieKirk’s mother and family is speaking out about the lying…

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Silver prices went up really fast in the past weeks. As of the beginning of October 2025, the price was approximately $51 per troy ounce. Prices have not been this high for 40 years. So far this year, the price of silver has gone up 75%. While this price increase may have seemed sudden, a trend existed for years. The sudden increase in price…

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Current Situation in Chicago and Illinois: Federal Immigration Enforcement and Local Resistance

As of October 10, 2025, Chicago and the state of Illinois are experiencing intense conflict over the Trump administration’s aggressive immigration enforcement operations, particularly through U.S. Immigration and Customs Enforcement (ICE) and…

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Owners of cars and trucks in the Midwest experienced their vehicles get rusted, especially on the rocker panels. Once you get rust on your vehicle, in no time it will spread throughout the vehicle. I really recommend if you see signs of rust, to take it to the body shop and get it fixed. You may need sheet metal or new parts depending on…

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Market Value of a 2001 Tiffin Zephyr 42-Foot Diesel Class A Motorhome.

• The motorhome is a 2001 model Tiffin Zephyr (the Tiffin Allegro Zephyr 42RZ or similar 42L/42 ft variants).
• It was built with a 450 Cummins diesel engine and mounted on a Freightliner chassis.
• Class A diesel pushers in Tiffin Zephyr’s luxury level range have 2 or 3…

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GCA FORUMS NEWS: LIVE BREAKING NEWS UPDATE— formatted as if it’s unfolding in real time:

LIVE BREAKING NEWS: Charlie Kirk Shot at Turning Point USA Event in Utah

• Orem, Utah – Wednesday, September 10, 2025 — Conservative activist and Turning Point USA founder Charlie Kirk has been shot during a live speaking event at Utah Valley University.
• The…

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GCA Forums News – Tuesday, September 9, 2025

Breaking Housing and Mortgage Update

Mortgage rates keep sliding. Right now, the average 30-year fixed mortgage sits close to 6.2%, giving buyers and refinancing homeowners relief from last year’s peak rates. The drop has been fueled by lower 10-year Treasury yields, which now rest at about 4.05%.

Supply…

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A car, SUV, or pickup truck is not an investment. It is ridiculous that an auto manufacturer are making vehicles ONLY the rich and wealthy can afford. Middle class America are the type of people that these manufacturers should target. A six figure income used to be high wage earners and higher class. Not no more. I have seen some of these SUVs…

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Hey Tom, appreciate the scoop on APB Wholesale’s jumbo loan program! This looks like a sweet deal for buyers eyeing high-value properties. With the 80% LTV limit and a ceiling of $3.5 million, it packs a punch. The easy-going requirements—three credit scores, zero rules on traditional tradelines, plus a green light for non-warrantable…

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Weak jobs report drops mortgage rates across the board, reflecting what happened in the wider market. As of August 1, 2025, the labor market numbers from July shocked Wall Street and led to immediate movement in mortgage pricing.

Breaking it down:

The Surprising July Jobs Number

The July data from the Bureau of Labor Statistics caught…

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Bill Gates is in the news again. It is no secret that Gates is a huge believer and proponent of depopulation. There are many videos about Bill Gates saying that people over 70 years old should get euthanized. What kind of evil SOB is Bill Gates. Gates is one of the most hated people in the world. Gates believes in certain people should have…

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Exploring GCA Forums: Structure, Benefits, and Features That Stand Out

Why should you join GCA Forums?

Here’s the short list of perks.

Joining GCA Forums opens the door to great resources, smarter connections, and ongoing learning.

Here’s what you can count on:

• Member-Only Rooms: Once you sign on, you can enter exclusive…

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ZILLOW CHANGES their original housing market forecast for 2p25.

https://youtu.be/um6-f29azW0?si=a0KU2cYw0ZfAbRW5

The automotive industry is facing unprecedented challenges, highlighting five major trends that strongly indicate a significant price correction is on the horizon. With total auto loan debt reaching an all-time high of $1.7 trillion, vehicle inventories accumulating, and looming tariffs on imported cars threatening to inflate prices…

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In today’s exclusive, we present footage from the September 12, 2021, DUI arrest of Olla, Louisiana Chief of Police Jody O’Bier. Watch as Chief O’Bier states that training for Louisiana law enforcement officer includes guidance that if they — meaning, the officers-to-be — are ever arrested on suspicion of drunk driving, they should refuse all…

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John Forgety

https://youtube.com/shorts/ip15qCWWq5Q?si=O-tk1qMpGHxjaP-i

Man saves a little baby monkey from a dog attack. The rest is history. The man ended up adopting the little cute 😍 😭 🤧 😢 ❤️ baby monkey and gave the baby monkey 🐒 a great life. The cutest 💗 😍 💓 🤧 💖 💕 outfits, great food, and a secure safe home where nobody can hurt the baby 👶 monkey 🐒.…

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The impacts of the Department of Government Efficiency’s findings that are most likely to influence the availability of a mortgage are listed below.

Fraudulent Benefit Payments

Social fraud’s reach, which includes issuing payments to dead people, clearly shows that the Social Security Administration, alongside other federal programs, has…

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What specific DOGE findings are most likely to impact mortgage availability?

Home builders are dropping prices across the US Housing Market, particularly in Florida, where some builders are cutting prices on houses as much as $65,000. In this home building community in Parrish, FL, the builder is doing big price cuts on houses. That’s because of a huge excess supply of homes for sale, with data on Reventure App showing… Read more

Look at how adorable 😍 these two baby monkeys 🐒 🙈 🙊 😍 💕 💗 are. They are selling them for $50,000 each. They have a long waiting list for these baby monkeys throughout the United States 🇺🇸 🇺🇲.

https://youtube.com/shorts/DpgzIzPS6Bs?si=qVSMb84ZV_HOVW0m

What alternative monetary systems could replace the Federal Reserve?

What are the potential consequences of abolishing the Federal Reserve?

Provisions to limit Liability for harm caused by artificial intelligence are essential when discussing artificial intelligence law. Such provisions seek to limit Liability in instances where AI systems cause damage to people or property.

Let’s have a closer look at the provisions and the context to them, step by step:

Different Types… Read more

AI governance is the primary focus of modern organizations and governments. Measures and regulations take the form of frameworks. Here are some present or being considered:

Clarity Mandates

Artificial Intelligence Notification:

• Certain regulations may enforce identifying when AI systems are used, such as AI employment for role placement or loan…

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A charge-off account is not a good situation as it has gone unpaid for about 180 days or more, and the creditor loses hope of repaying it after hearing nothing from the debtor. This can be quite detrimental to your credit health. Here’s a bit more about what it entails.

What does a Charge-Off Mean?

Definition: Technically, and according to the…

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With the cooperation of the United States Congress, the Federal National Mortgage Association (FNMA) and the Federal Home Loan Mortgage Corporation (FHLMC) have created programs that help home buyers with strong credit profiles. These two entities, Fannie Mae and Freddie Mac, can purchase mortgages from banks and other financial…

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Both Fannie Mae and Freddie Mac, being government-sponsored entities (GSEs), have their own rules and policies regarding credit disputes. However, they do have a great deal in common. Here’s an in-depth analysis of how they resolve disputes concerning credit:

General Approach towards Credit Disputes

Fannie Mae:

Fannie Mae, in general, takes a…

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Gustan Cho Associates is a dba of NEXA and AXEN Mortgage, LLC.

Your requirements are relevant concerning how various loan programs, particularly those that government institutions guarantee, manage credit disputes during the mortgage application. A detailed description is as follows:

Credit Disputes Not Allowed.

HUD (Housing and Urban Development), the FHHA (Federal Housing Administration)supervisor,…

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The discount brokerage model maintains compliance through various approaches that help the company stay within the parameters of operating effectively while remaining competitive. Notably, below are some of the measures that these brokerages borrow to deal with compliance:

Well-Kitted Compliant Structure

Set Aside Compliance Departments:…

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The real estate industry has several successful examples of sustainable discount brokerage models. These models often balance lower commissions with efficient operations and strong customer service.

Here are a few prominent examples:

Redfin

Model: Redfin is a technology-driven real estate brokerage that offers lower commission rates than…

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As seen recently in litigation involving the National Association of Realtors, the ongoing scrutiny of commissions in real estate practices where realtors are paid commissions through a lump sum by their clients is a major issue within the industry. At times, it wouldn’t make sense to disregard discounting realtor commissions as a market…

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Revising the Qualified Mortgage (QM) rule has multifaceted impacts on the lenders. Consider these effects:

Volumes of Credit Accesses Grows

Larger Borrowing Population: Softer QM parameters like higher DTI ratios can enable lenders to supply loans to a wider range of borrowers, including those with high debts or poor credit scores.

More…

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Currently, timelines available to anticipate changes in the Qualified Mortgage (QM) Rule are all bespoke to regulatory processes, political circumstances, and stakeholders. Look at this to see how it can be aimed and what the possible deadlines are for completing QM Rule amendments.

Current Economic Environment and Deadlines for…

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Various participants in the mortgage and housing sectors, such as mortgage lenders, trade associations, and consumer advocacy groups, usually see to the QM changes as they have resources and strong lobbyistic positions. Some of these group sponsors may engage in lobbying efforts outlined below to enable them to focus on the QM…

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Of course! The Qualified Mortgage (QM) regulation was developed as a response to the 2008 financial crisis and as part of Dodd-Frank legislation. Undoubtedly, it should provide additional protections for consumers and ensure that the lenders evaluate the borrower’s ability to repay. Here’s a look at some of the anticipated changes that may come…

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The Trump administration may seek several specific deregulation policies favoring mortgage lenders. There are several areas where deregulation of mortgage lending may occur, which include:

The Compliance Regime might be Eased.

Streamlining Regulations: One goal of modifying the compliance regime would be to lower the lender’s operational…

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