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Nate Holzapel is a scammer and scumbag. Where is Nate Holzapel? How many people did Nate Holzapel scam? What happened to the belt guy Nate Holzapel from the shark tank? Can you explain Nate Holzapel biography? Where was he born? Who were his parents? How many brothers and sisters did he have? Where did he grow up and what schools did he attend? What is Nate Holzapel work history? Who did Nate Holzapel, marry, and had children with? How did Nate Holzapel scam lovelorn women? Why did women find Nate Holzapel attractive?
https://youtu.be/069GnWDAgz4?si=bgolnX7sNVrQxN58
- This discussion was modified 5 months ago by Gustan Cho.
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To Jill Biden, even at the cost of her husband Joe Biden making a total fool of himself around the the Globe, she’s pushing Joe to run for President of the United States. This is self fish, not right, inhumane, and right down evil. Jill Biden is an exact replica of Edith Wilson, First Lady and wife of President Woodrow Wilson who had a stroke in the White House 🏠. Jill Biden’s actions are despicable and outright wrong. Jill Biden is becoming very unlikeable among both parties Democrats and Republicans. Jill Biden has political aspirations of her own to become a United States Senator 🇺🇸 and is using her political goals and power hunger at the expense of her husband Joe Biden who is obviously suffering from late stage stage 6 dementia.
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Dogo Argentino is a very unique and expensive dog. Those who want to adopt a Dogo Argentino should study up and research the breed before pulling the trigger. I will give you a bunch of information about the Dogo Argentino. The breed was created in Argentina by Dr. Antonio Nores Martinez in the 1920s. It was made from various kinds of dogs including the extinct Cordoba Fighting Dog, Great Dane, Boxer, Spanish Mastiff, Old English Bulldog, Bull Terrier, Great Pyrenees, Pointer and Irish Wolfhound. You can buy a Dogo Argentino from reputable breeders who specialize in them or you could check out some breed-specific rescue centers too! Some general dog rescues might have one every now and then also.
Socialization is important when raising a Dogo Argentino. Early socialization is key—consistent training from an early age should be provided as well as lots of exercise and mental stimulation too. Establish yourself as the pack leader through proper nutrition and regular vet check ups. Engage them in activities that challenge them both physically & mentally.
The temperament of this breed is loyal and protective over its family but also confident & courageous – though sometimes stubborn or independent with other animals if not properly socialized.
Size: Males: 24-26.5 inches (61-67 cm) tall; 88-100 lbs (40-45 kg) Females: 23.5-25.5 inches (60-65 cm) tall; 88-95 lbs (40-43 kg)
Personality: -Affectionate with family -Protective & alert -Smart & athletic -Determined
Male vs Female: -Males are usually bigger and more dominant. -Females may be more independent but easier to train.
Colors: Mostly white with small dark patches on head
Trainability: -Moderately easy to train but can be stubborn. -Require firm consistent training. – Respond well to positive reinforcement
Good with kids and small dogs: – They can be good with children if raised with them and properly socialized. – High prey drive, so caution is needed around small dogs and other pets.
Cost: -From a breeder: $1,500 to $5,000. -Adoption fees from rescues: $300 to $800.
Lifespan of a Dogo Argentiono ranges between 10 to 12 years on average.
Dogo Argentinos need high exercise (1-2 hours daily) and moderate grooming. Dogo Argentino may be banned or restricted in some areas due to breed-specific legislation, like other dogs, such as Pit Bulls, Cane Corso, Old English Mastiff, Great Danes, German Shepherds, Doberman Pinschers, and Rottweilers. It is not recommended for first-time dog owners due to their strong personalities and exercise needs. Keep in mind that each dog has its own unique personality so training should always be done carefully with positive reinforcement methods used consistently throughout the process of teaching anything new especially commands which could save lives later on when they are older but still young at heart like most big breeds!
https://www.facebook.com/share/v/SfUhVgUAYNaiQzmr/?mibextid=OTybqR
- This discussion was modified 6 months, 2 weeks ago by Gustan Cho.
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Which is the world's most powerful dog? Top 12 Strongest Dog Bite Force Dogs with the world's 12 Highest Bite Force! Top 12 Strongest Dog Beat Force...
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I am not familiar with bank statement loans. Can you please explain how bank statement loans work.
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Another message from the one and only, Kevin DeLory. Thank you Kevin, for sharing
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What are HUD Chapter 13 Bankruptcy dismissal guidelines to qualify for an FHA LOAN. Is there any waiting period requirements.
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Dino Hasapis: Real Estate Broker at Compass and National Business Development Manager at Gustan Cho Associates
Dino Hasapis is a prominent real estate broker affiliated with Compass and holds a significant position at Gustan Cho Associates. Here are the details of his professional roles and contributions:
Dino Hasapis Compass Real Estate Chicago
Position: Real Estate Broker
Responsibilities:
- Specializes in residential real estate.
- Helps clients buy, sell, and invest in properties across Chicago and the surrounding areas.
- Known for providing personalized and strategic real estate services.
Gustan Cho Associates
Position: National Business Development Manager
Responsibilities:
- Manages and expands the Verified Preferred Realtor Partner Network (PRPN).
- Works closely with real estate professionals to enhance business growth and client satisfaction.
- Focuses on developing and maintaining strong industry relationships.
Contact Information of Dino Hasapis
Email: dinohasapis@compass.com
Phone:
- Mobile: 847-687-3056
- Office: 312-319-1168
Online Profiles
- Compass Profile: Dino Hasapis at Compass
- Zillow Profile: Dino Hasapis on Zillow
- LinkedIn: Dino Hasapis on LinkedIn
Key Highlights
- Experience: Over 13 years in the real estate industry.
- Sales Record: Proven track record with hundreds of closed sales and significant total sales value.
- Recognition: Recognized as a top producer by the Chicago Association of Realtors.
Services Offered
- Residential Real Estate: Assists with buying, selling, and investing in residential properties.
- Market Analysis: Provides detailed market analysis to help clients make informed decisions.
- Negotiation: Expert negotiation skills to ensure favorable terms for clients.
Summary of Dino Hasapis
Dino Hasapis is a seasoned real estate professional known for his expertise, strategic approach, and dedication to client success. His dual role at Compass and Gustan Cho Associates positions him as a key figure in the real estate industry, offering comprehensive services to meet diverse client needs. For more information or to contact Dino Hasapis, you can visit his profiles on Compass and LinkedIn.
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Utah requires 15 NMLS hours to get a mortgage loan originator license. This extra 15 hours of NMLS CE is a one-time deal besides the 20-hour NMLS CE course required for loan officers. If you want to be a manager because you have a branch office or a mortgage company, you need to take an additional 40 hours of NMLS CE course and take a state Principal Lending Manager (PLM) four-hour PLM exam. The exam is for the state of Utah DRE/DFI and is over 200 questions. The issue is getting study materials with practice exams for the Utah Principal Lending Manager license is very difficult. I had to take the 40-hour UTAH PLM course two times because the class is only good for one year. I failed the Utah Principal Lending Manager license twice and I am scheduled to take the third time on Monday July 24th, 2023. I will keep you all posted.
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Like to congratulate Dino Hasapis for earning the best Chicago Real Estate Agent Award for Chicago Area. Dino Hasapis always goes above and beyond for all his clients. Dino Hasapis not only treats his clients like family but he follows up after each closing and makes sure his clients have no questions and is Johnny on the spot if his clients needs a referral on the area his clients moved to. Dino is trusted, loved, and respected by his clients, family and friends. All of Dino Hasapis clients become his lifelong friend and family. Very proud of you my man.
https://www.facebook.com/share/tBBjMumuX8QdXJKn/?mibextid=oEMz7o
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I am both humbled and thrilled to announce that I've been recognized again by Chicago Association of Realtors as a top producer. I'm grateful for each and every person I have had the opportunity to...
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A borrower’s investment property is worth approximately $1.5M (CA 94551) and the first loan is amounting to $625K and needs to have at least $450K as a second lien. FICO is 738.
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Here is the link to USDA DIRECT LOANS, where packagers make $1,500 per file.
https://www.rd.usda.gov/files/
hb-1-3550.pdf -
Chicago is my hometown. I grew up in the Northwest suburbs of Chicago. There is no other downtown like Downtown Chicago that is as beautiful and has so many things to do. Chicago is the home of thousands of immigrants from hundreds of different countries. However, the thing that is fucking up this great city are the crazy Democrats and far left wing liberals with their asinine ideology. Need to get rid of the mice and cockroaches forever.
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One of my favorite people and mentor Kevin DeLory,
, Chief Lending Officer at Equity Prime Mortgage (EPM). Just love his messages
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Do first time investors have to put more or less down on their first investment purchase? Are there down payment assistance programs for investment purchases?
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Scientists still have not figured out the missing link in our evolution. I know a few people who look like they are only the second generation in their family that has been standing up straight. There is an obvious gap in the evolution chart.
So, there are a lot of theories. I think the missing link is an extra terrestrial. They came here and started to breed with earth’s inhabitants. We have seen cave drawings in ancient caves and even in the pyramids.
What do you think? What or who is the missing link?
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Kamala Harris, is it racism?
Who is Kamala Harris? A vice president who hasn’t achieved much. She is a heartbeat away from being president. If Biden doesn’t run in November, she may be running in his stead. Every time I look up information on her, all I find is the following: The first female African American to hold the office of vice president That’s her claim to fame, and I take issue with that claim. Also, what is she? Her mother, Kamil, is from India, which makes her Asian; her father, Donald, is, get this, Afro-Jamaican with Irish ancestry. I will assume she is a woman. Why isn’t she the first Irish-Jamaican-Asian? You list the adjective first: I’m Italian American. An American by birth, a Native American is what I am. Granted, she was born in Oakland, California, apparently of many different ancestors. Why does Africa come first? She’s barely African; has she been there? I’ve been to Italy many times. I don’t play it up; it’s obvious I’m Italian. My wife’s DNA states she is 2% Polynesian; she can’t relate to that; she’s Ukrainian and Slovak. Would my wife be Polish or Polynesian? My DNA says I’m 20% Greek. Southern Italians and Greeks have been screwing around with each other for a long time. Africa is just 30 miles from Sicily. I have black cousins! Are we Afro-Italianos? Everyone here is from elsewhere. The party plays the female race ticket; just give them a minority, and they will vote them into office.Kamala Harris, is it racism?
Who is Kamala Harris? A vice president who hasn’t achieved much. She is a heartbeat away from being president. If Biden doesn’t run in November, she may be running in his stead. Every time I look up information on her, all I find is the following: The first female African American to hold the office of vice president That’s her claim to fame, and I take issue with that claim. Also, what is she? Her mother, Kamil, is from India, which makes her Asian; her father, Donald, is, get this, Afro-Jamaican with Irish ancestry. I will assume she is a woman. Why isn’t she the first Irish-Jamaican-Asian? You list the adjective first: I’m Italian American. An American by birth, a Native American is what I am. Granted, she was born in Oakland, California, apparently of many different ancestors. Why does Africa come first? She’s barely African; has she been there? I’ve been to Italy many times. I don’t play it up; it’s obvious I’m Italian. My wife’s DNA states she is 2% Polynesian; she can’t relate to that; she’s Ukrainian and Slovak. Would my wife be Polish or Polynesian? My DNA says I’m 20% Greek. Southern Italians and Greeks have been screwing around with each other for a long time. Africa is just 30 miles from Sicily. I have black cousins! Are we Afro-Italianos? Everyone here is from elsewhere. The party plays the female race ticket; just give them a minority, and they will vote them into office.
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FED CHAIRMAN LIE ON NATIONAL NEWS. Unbelievable. Inflation, unemployment is all fine according to FAKE NEWS JEROME POWELL. Everything is solid according to this lying POS.
https://www.youtube.com/live/Rhq5Y44OhFo?si=hy7uSUoSZRErhMWL
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If a NMLS licensed loan officer works for a mortgage broker and is licensed in 30 states, can the loan officer be paid their commissions by 1099 on states that he is licensed in that allow 1099 compensation and be paid W2 on states that do not allow 1099 compensation>
- This discussion was modified 8 months, 2 weeks ago by Gustan Cho.
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Here’s a great 👍 informative video clip from VINWiki about car Depreciation the minute you drive it off the auto dealership. Electric cars, like all vehicles, experience depreciation, but there are specific factors that influence the rate at which they lose value. Here’s an overview of how electric cars depreciate and the factors affecting their depreciation rates:
Factors Influencing Depreciation of Electric Cars
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Battery Life and Technology:
- Battery Degradation: The lifespan and efficiency of the battery are critical. Over time, batteries lose their ability to hold a full charge, which can decrease the car’s range and performance.
- Technological Advances: Rapid advancements in battery technology and electric vehicle (EV) features can make older models obsolete faster than traditional vehicles.
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Government Incentives:
- Tax Credits and Rebates: Federal and state incentives for new electric car purchases can reduce the initial cost, but these incentives don’t apply to used cars, which can affect resale values.
- Policy Changes: Changes in government policies regarding incentives can also impact the depreciation rates.
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Brand and Model Perception:
- Brand Reputation: Brands with a strong reputation for quality and reliability tend to depreciate more slowly.
- Model Popularity: Highly popular models with good reviews and strong market demand retain their value better.
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Market Demand:
- Consumer Preferences: As consumer interest in EVs grows, demand for used electric cars can help stabilize depreciation rates.
- Resale Market: A well-established resale market can positively impact depreciation rates.
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Mileage and Usage:
- Lower Running Costs: EVs typically have lower running costs, which can make them more appealing on the used market.
- Usage Patterns: How the car has been used (e.g., city vs. highway driving) and overall mileage will affect its resale value.
Depreciation Rates Comparison
Electric vs. Gasoline Cars:
- Higher Initial Depreciation: Electric cars generally depreciate faster initially compared to gasoline cars. This is partly due to the high cost of the battery and rapid technological advancements.
- Long-term Trends: Over time, as the market for electric vehicles matures and battery technology stabilizes, depreciation rates for EVs may become more comparable to those of traditional vehicles.
Examples and Data
Tesla:
- Model S and Model 3: Tesla vehicles, particularly the Model S and Model 3, have shown better-than-average resale values compared to other electric cars. This is attributed to Tesla’s strong brand reputation, continuous software updates, and high consumer demand .
Nissan Leaf:
- Rapid Depreciation: The Nissan Leaf, one of the earlier mainstream electric cars, has experienced rapid depreciation. Factors include its older battery technology and the availability of newer, more advanced EV models .
Conclusion
Electric cars depreciate due to factors such as battery life, technological advancements, government incentives, brand reputation, and market demand. While they may depreciate faster initially compared to gasoline cars, certain models, like those from Tesla, tend to retain their value better. As the market for electric vehicles continues to evolve, these depreciation trends may change.
https://www.facebook.com/share/v/e8d3zYemG5W6wwrG/?mibextid=D5vuiz
- This discussion was modified 7 months, 3 weeks ago by Gustan Cho.
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Market Insights on the Values of High-End EVs!
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I am a pizza! Caio! I came to this country from humble beginnings, not sure exactly where or when. But, I know I am Italian by birth, somewhere in the south, maybe Naples or Rome. I’m a simple dish made from flour, tomatoes, and cheese; yes, I have evolved and morphed into something entirely different.
Many other countries claim I am theirs; that’s because they all have flatbread with some cheese and tomatoes. I’ll tell you what I wasn’t born with: pepperoni, pineapple, and other toppings. No pepperoni in Italy; it’s soppressata, an Italian sausage.
Gennaro Lombardi was the first Italian to introduce me to America. I grew up on the Lower East Side of Manhattan, 23 1/2 Spring Street in Little Italy, a block away from Mulberry Street. I’m still here after 120 years. He took his recipe from Naples, Italy. Although pizza varies from Italian province to Italian province, I’m still basically the same.
Roman makes oval pizza, Naples’s pizza is round, and Sicilian pizza is square. Now we have thin-crust and deep-dish pizza. New York pizza is different from Italy; in New York, you walk down the street with the pizza folded and olive oil dripping down your arm. The only toppings I’m okay with are anchovies, olives, oregano, and red pepper. I don’t need much; fresh basil is nice to make a Margarita pizza. This pizza displays the color of the Italian flag, red, green, and white.
I really think I am the most popular food in the United States. Lots of countries take credit for me. I was called focaccia, just a flatbread, 2000 years ago. I have seen many things in my life. Did I ever tell you the time I first witnessed wine being discovered? I mean, what goes better with pizza than red wine.
So, I’m lying around just cooling off after just coming out of the oven, waiting to be devoured. All of a sudden, these Romans start throwing all these discarded pieces of fruit, mostly grapes, into a huge terra cotta vat in the corner. After a few days, it began to stink! It smelled like rotten eggs, which I learned was H2S, Hydrogen Sulfide. Whatever gave the Roman Centurian the idea to drink it? I thought for sure he would get sick and vomit. Instead, he suddenly turns to address the Roman Senate and says, “It needs more time.” Two weeks later, the rotting fruit turned into my favorite beverage – wine.
The same was true for cheese years ago; you encourage this mold to grow. The mold is yeast and is cultured into cheese. Many kinds of cheese really stink, so my question always was, “How do you know when cheese is bad?” You can just cut the mold off and eat the rest. I prefer “muzzarella,” aka mozzarella, made from Italian buffalo. The fresher, the better. Yes, I know “muzz” is hard to melt; that’s why the oven is over 1000 degrees.
I love when olive oil is drizzled over me; it tickles! The olive oil simmers, the cheese melts, and the tomatoes are cooked. Boy, do I smell good! I don’t even feel the pizza cutter slice through me. I am a pizza! I am round, square, and oval. Any way they make me; I am a pizza! Bon Appetite!
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You do not need perfect credit or high credit scores to qualify for a mortgage loan. Every loan program require a minimum credit score. Besides HUD, VA, USDA, FANNIE MAE, FREDDIE MAC, or non-QM portfolio lenders requiring a minimum credit score, each lender can impose lender overlays on credit scores. Lender overlays are additional credit score requirements above and beyond the minimum agency mortgage guidelines imposed by each individual mortgage lender. Regardless of the minimum credit scores required, all lenders will normally want to see timely payment history in the past 12 months. Regardless of the prior bad credit you have, having timely payment on all of your monthly debt payments that report on the three credit reports is crucial. Do not worry about prior collections, charge-off accounts, late payments, or other derogatory credit tradelines unless you are going though a manual underwrite on FHA loans. HUD manual underwriting guidelines require timely payments in the past 24 months. VA manual underwriting guidelines require timely payments in the past 12 months. In many instances when you get an approve/eligible per automated underwriting system but late payments in the past 24 months, the lender may down grade your file to a manual underwrite. The best solution for you to increase your credit scores and strenghen your credit profile with recent late payments is adding positive credit with new credit. Please read this guide on how to boost your credit to get approved for a mortgage: Capital One Secured Credit Card will get you a $250 secured credit card with a $50 deposit. Self.Inc is a bank that has a phenomenal credit rebuilder program where you can make a monthly deposit as small as $25.00 per month. That monthly deposit goes towards a savings account but it reports as an installment loan to all three credit bureaus. Get a Discover secured card. Secured credit cards are the same as unsecured traditional credit card. The only difference is you need to put a deposit. The amount of deposit is the amount of credit you get by the credit card company. You need to make timely minimum monthly payments on your secured credit cards. Just start with these three creditors and you will see wonders in the weeks and months ahead. I will cover some quick fixes for you to increase your credit scores fast and at the end of this topic thread, I will list helpful resources on boosting your credit to qualify for a mortgage, how to reach a human at the credit bureaus, and how to rebuild your credit:
1. Capital One Secured Credit Card
2. Self.Inc
3. Discover Secured Credit Card
As time pass and you make timely payments, your secured credit card company will increase your credit limit without asking your to put additional deposit. If you can get more secured credit cards, it will expedite your credit rebuilding process. However, you should at least start with the above three creditors.
Improving your credit scores and rebuilding credit can be crucial when seeking mortgage approval. Here are some effective strategies to consider:
Review your credit reports: Obtain copies of your credit reports from the three major credit bureaus (Experian, Equifax, and TransUnion. Identify and dispute any errors or inaccuracies that may be negatively impacting your credit scores.
Pay bills on time: Payment history is the most significant factor affecting your credit scores. Make sure to pay all your bills (credit cards, loans, utilities, etc.) on time, every time. Set up automatic payments or payment reminders if necessary.
Reduce credit card balances: High credit card balances can hurt your credit utilization ratio, which accounts for a significant portion of your credit scores.
Aim to keep your credit card balances below 30% of your total available credit limit. Consider paying off credit cards with the highest balances first.
Don’t close unused credit cards: Closing credit cards can inadvertently increase your credit utilization ratio and decrease your overall available credit. Keep unused credit cards open, but avoid using them to maintain a low credit utilization ratio.
Increase credit limit: Request a credit limit increase from your credit card issuers, which can improve your credit utilization ratio. Be sure to handle the increased credit limit responsibly and avoid overspending.
Limit new credit applications: Each credit application results in a hard inquiry on your credit report, which can temporarily lower your credit scores. Limit credit applications only to when absolutely necessary.
Use different types of credit: Having a mix of different types of credit (e.g., credit cards, auto loans, personal loans) can positively impact your credit scores. Consider taking out a small loan or opening a new credit card account if you have limited credit types.
Monitor your credit regularly: Check your credit reports and scores periodically to ensure accuracy and track your progress. Consider signing up for a credit monitoring service to receive alerts for any changes to your credit profile.
Be patient and consistent: Rebuilding credit takes time and consistent effort. Stick to responsible credit habits, and your credit scores should gradually improve, increasing your chances of mortgage approval.
Remember, lenders evaluate various factors beyond just credit scores when considering mortgage applications. However, improving your credit scores and maintaining a healthy credit profile can significantly increase your chances of getting approved for a mortgage with favorable terms.
https://gustancho.com/boost-your-credit-with-new-credit/
gustancho.com
Boost Your Credit With New Credit To Qualify For A Mortgage
Boost your credit with new credit to qualify for a mortgage . New secured credit cards and credit builder loans increases credit scores for mortgage
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I am a first-time precious metal investor. How do you go about investing in Gold and Silver? Do I need to watch out for scammers? Where do I buy gold or silver? What is the minimum I can invest in Gold and Silver?
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With all this talk about the United States printing money, and running 31 trillion dollars in deficit, should the United States buy Gold and Silver?
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LCongratulations 🎊 and 🇲🇽 Salud Senior Hamburgesa on you acing 100% ciento 💯 💯 💯 💯 💯 positive on your STD examination.
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Retail mortgage loan originators, have you ever think about becoming a remote mortgage loan originator with the key to success? Have you ever dream of having the opportunity to own and manager your own net branch with all the amenities, bells and whistles of a large mortgage company but yet without the expenses that come along with it? Gustan Cho Associates is a dba of NEXA Mortgage and can help you start the journey for you to becoming a successful independent mortgage loan originator with the option of owning, and operating your own mortgage branch with the potential of expanding your business platform to most of the 50 states. Gustan Cho Associates will assist with the tools you need to become a top independent branch manager of your own mortgage P and L operations. You determine whether you want to own and operate a one man branch or a 200 loan officer mortgage net branch operation. You are given and entrusted with the key to success without no quota, pressure, or meddling. Remote mortgage loan officer career opportunities at Gustan Cho Associates, a dba of NEXA Mortgage, is right at your fingertips. A remote mortgage loan officer has a wide range of responsibilities. Here are some key tasks they typically perform:
- Interviewing Clients: They conduct initial pre-qualification interviews and assist clients with the completion of loan applications1.
- Loan Processing: They work closely with the underwriting department to determine conditions for loan approval1. They are responsible for the origination of first mortgages2.
- Assessing Applications: They screen and assess new mortgage applications for loan eligibility.
- Customer Service: They provide exceptional customer service throughout the loan process3.
- Loan Products and Services: They maintain a thorough knowledge of mortgage loan programs and company products3. They engage with customers to recommend loan products and services3.
- Business Development: They develop close business contacts with a diverse group of consumers4. They also work with realtors, builders, and other intermediaries who can refer mortgage applicants5.
- Flexible Working Hours: As a remote worker, they often have the flexibility to choose their own hours35.
Please note that the exact responsibilities may vary depending on the company and the specific role. It’s always a good idea to check the job description provided by the employer for specific details.
https://www.gcamortgage.com/mortgage-loan-officer-career-opportunities/
- This discussion was modified 8 months, 2 weeks ago by Gustan Cho. Reason: Wrong url
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