AirBnB’d property owners are seeing a lack of business.

Have you gotten a Last Minute Mortgage Denial at your current lender? You are not alone. Over 80% of our clients at Gustan Cho Associates are borrowers who got denied at other lenders. Borrowers got denied at other lenders because the loan officer did not properly qualify the borrower or because of the mortgage company having Lender overlays. Lender overlays are additional mortgage guidelines above and beyond the minimum agency guidelines of FHA, VA. USDA, FANNIE MAE or FREDDIE MAC. The team at Gustan Cho Associates has a no lender overlay business platform on government and commercial loans. We can help borrowers with credit scores down to 500 FICO, non-qm loans, 12 months bank statement loans, DSCR loans, no-doc loans, ITIN loans, DACA LOANS, Condotel Financing, hard money commercial loans, commercial loans, SBA LOANS, Factoring, equipment financing, Business lines of credit, POS, Spec-Builder New Construction, Auto Financing, apartment building loans, land loans, church financing, accounts receivable financing, MCA financing, and land development loans. No need to worry if you got denied. The file is not dead. You can join us where we can help you qualify and get you approved for your commercial or business loan.

Here is a link to NEXA Academy for loan officers entering the mortgage loan origination business with no experience. It is held weekly. Contact Felix Nicolas, III at felix@gustancho.com for mortgage information.

https://www.google.com/url?q=https://us06web.zoom.us/j/89826931408&sa=D&source=calendar&ust=1694346718349602&usg=AOvVaw1SaYseZ2ekdT-IyEFkZRHd

Buying a house in Kansas, like anywhere else, involves several steps and considerations. Here’s a general overview of the process:

1. Determine Your Budget: The first step in buying a house in Kansas is to assess your financial situation and determine how much you can afford. Consider factors like your down payment, monthly mortgage payments, property taxes, insurance, and maintenance costs.

2. Get Pre-Approved for a Mortgage: Before you start house hunting, it’s a good idea to get pre-approved for a mortgage. This will give you a better idea of how much you can borrow and help you narrow down your search to homes within your budget.

3. Find a Real Estate Agent: Hiring a real estate agent can make the process smoother. They can help you find suitable properties, negotiate offers, and navigate the local housing market.

4. Search for Homes: Start looking for homes that meet your criteria. You can use online real estate websites, work with your real estate agent, and visit open houses to find potential properties.

5. Make an Offer: Once you’ve found a house you like, work with your real estate agent to make an offer. Your offer will include the purchase price, contingencies (such as inspections and financing), and a proposed closing date.

6. Negotiate and Inspect: After your offer is accepted, you’ll typically have the opportunity to negotiate any counteroffers. You’ll also want to schedule a home inspection to identify any potential issues with the property.

7. Secure Financing: If you haven’t already, finalize your mortgage financing. Work closely with your lender to complete all necessary paperwork and meet any conditions for loan approval.

8. Close the Deal: Once all contingencies are satisfied, you’ll proceed to the closing. At the closing, you’ll sign the final paperwork, including the mortgage documents, and pay any remaining closing costs and fees.

9. Transfer Ownership: After closing, the title to the property is transferred to your name, and you become the legal owner of the house.

10. Move In: Congratulations! You can now move into your new home. Don’t forget to set up utilities, change your address, and handle other logistics associated with moving.

It’s important to note that the process of buying a house can vary depending on individual circumstances and the local real estate market in Kansas. Additionally, you may want to consult with a real estate attorney to ensure all legal aspects of the transaction are handled correctly. Also, be aware of any specific state or local regulations and requirements that may apply in Kansas.

Buying a house in Kentucky, like anywhere else, involves a series of steps and considerations. Here is a general overview of the process:

1. Determine Your Budget: Before you start searching for a house, it’s essential to determine your budget. Consider factors like your income, expenses, and how much you can comfortably afford for a mortgage payment each month.

2. Get Pre-Approved for a Mortgage: Contact a lender or mortgage broker to get pre-approved for a mortgage loan. This will help you understand how much you can borrow and give you a competitive edge when making an offer on a house.

3. Choose a Real Estate Agent: Find a qualified real estate agent who is familiar with the Kentucky housing market. They can help you find suitable properties, negotiate on your behalf, and guide you through the process.

4. Start House Hunting: Begin your search for homes that fit your criteria, including location, size, and budget. You can use online listings, work with your real estate agent, and visit open houses to explore available options.

5. Make an Offer: When you find a house you like, work with your real estate agent to make an offer to the seller. Your offer will include the purchase price, any contingencies, and the proposed timeline for closing.

6. Negotiate the Deal: Be prepared for negotiations with the seller. They may counter your initial offer, and you can negotiate on terms such as repairs, closing costs, and other details.

7. Conduct Inspections: After your offer is accepted, schedule a home inspection to identify any potential issues with the property. Depending on the inspection results, you can negotiate repairs or request concessions from the seller.

8. Secure Financing: Finalize your mortgage application and work with your lender to ensure all required documentation is in order. The lender will also conduct an appraisal of the property to determine its value.

9. Review and Sign Documents: Prior to closing, you’ll review and sign various legal documents, including the purchase agreement, mortgage documents, and other paperwork required for the transaction.

10. Close the Deal: On the closing day, you’ll meet with the seller, your real estate agent, and a representative from the title company to sign the final paperwork and transfer ownership of the property. You’ll also pay any remaining closing costs and receive the keys to your new home.

11. Move In: Once the deal is closed, you can move into your new home and begin settling in.

Keep in mind that Kentucky’s real estate market may have its unique dynamics and regulations, so it’s essential to work closely with a local real estate professional who can provide specific guidance and information related to the state.

Additionally, consider factors such as property taxes, homeowners’ insurance, and ongoing maintenance costs when budgeting for homeownership in Kentucky.

Whether Maine is a good place to live depends on your personal preferences and priorities. Maine offers several advantages, but it also has its drawbacks. Here are some factors to consider:

Pros of Living in Maine:

1. Natural Beauty: Maine is known for its stunning natural landscapes, including rugged coastlines, picturesque lakes, and dense forests. If you enjoy outdoor activities like hiking, camping, and fishing, Maine offers abundant opportunities.

2. Quality of Life: Maine often ranks highly in terms of quality of life metrics, including low crime rates, good healthcare, and a strong sense of community.

3. Four Seasons: Maine experiences all four seasons, which can be appealing if you enjoy a variety of weather conditions and outdoor activities associated with each season.

4. Education: Maine has some excellent schools and universities, making it a good place for families looking for educational opportunities.

5. Lobster and Seafood: Maine is famous for its seafood, particularly lobster. If you’re a seafood lover, you’ll find plenty of delicious options.

6. Low Population Density: Maine has a relatively low population density compared to many other states, which can mean less crowded living conditions and a slower pace of life.

Cons of Living in Maine:

1. Harsh Winters: Maine’s winters can be long and harsh, with heavy snowfall and cold temperatures. If you dislike cold weather, this may not be the place for you.

2. Economic Factors: Maine’s economy is diverse but has faced challenges in the past, including a relatively high cost of living in some areas and limited job opportunities in certain industries.

3. Rural Areas: While the natural beauty is a pro for many, it can also mean that some parts of Maine are quite rural and may lack access to urban amenities and services.

4. Tourism Impact: In some areas, particularly coastal communities, the local economy is heavily dependent on tourism, which can lead to seasonal fluctuations in job availability and increased living costs during tourist seasons.

5. Limited Diversity: Maine has a predominantly white population, which may not appeal to those seeking a more diverse cultural environment.

Ultimately, whether Maine is a good place to live depends on your lifestyle preferences and priorities. It’s a state with unique natural beauty and a strong sense of community, but it may not be the right fit for everyone, especially if you’re not fond of cold winters or prefer a more urban environment. It’s a good idea to visit and spend some time in the state to get a feel for what it’s like before making a decision to move there.

A business line of credit is a financial tool that provides a revolving credit limit to a business, allowing them to borrow funds as needed up to a predetermined limit. It is a flexible form of financing that can help businesses manage their cash flow, cover short-term expenses, seize opportunities, and address unexpected financial challenges. Here are some key aspects of business lines of credit:

1. Revolving Credit: A business line of credit works similarly to a credit card, in that it offers a predetermined credit limit that can be used repeatedly. As you repay the borrowed amount, the available credit is replenished, making it a renewable source of funding.

2. Types of Business Lines of Credit:

   • Secured Line of Credit: Requires collateral (e.g., business assets or personal assets) to secure the credit line, typically resulting in lower interest rates.
   • Unsecured Line of Credit: Does not require collateral but may have higher interest rates and stricter qualification requirements.

3. Usage Flexibility: Businesses can use a line of credit for various purposes, such as covering operational expenses, purchasing inventory, managing cash flow gaps, funding marketing campaigns, or investing in growth opportunities.

4. Interest and Fees: Borrowers are typically charged interest on the amount borrowed and may also incur fees, such as annual fees or withdrawal fees. Interest rates can be variable or fixed, depending on the terms of the credit line.

5. Repayment Terms: Lines of credit have minimum monthly payments, which often include interest charges and a portion of the principal balance. The repayment terms can vary, but businesses can choose to pay off the balance early or maintain an ongoing balance within the credit limit.

6. Qualification Criteria: Lenders evaluate a business’s creditworthiness, financial stability, and repayment ability when approving a line of credit. Factors such as credit scores, business revenue, time in operation, and personal guarantees may influence approval and credit limit decisions.

7. Renewal and Review: Business lines of credit are typically reviewed periodically, and lenders may adjust credit limits based on the business’s performance and creditworthiness. Renewal terms can vary by lender.

8. Advantages:

   • Flexibility: Access funds as needed, up to the credit limit.
   • Cost-Effective: Interest is only paid on the borrowed amount.
   • Cash Flow Management: Helps businesses smooth out cash flow fluctuations.
   • Quick Access: Typically, it’s faster to obtain a line of credit compared to a traditional loan.

9. Disadvantages:

   • Interest Costs: Borrowing comes with interest charges, which can add up.
   • Qualification Requirements: Businesses need to meet certain criteria to secure a line of credit.
   • Risk of Overextension: Mismanagement of a credit line can lead to debt problems.

Businesses should carefully consider their financial needs and ability to repay before obtaining a line of credit. It’s important to compare offers from different lenders to find the most favorable terms and use the credit responsibly to support business objectives.

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.

Is Joe Biden the head of the Biden Crime Family? Is Jim Biden, Joe Biden brother, a criminal? Did James Biden commit Healthcare fraud? Who is Jim Biden. Did Joe Biden know James Biden’s allegedly criminal activity?

Global warming, I never really bought into global warming and not all scientists agree of its existence. We are newcomers to the earth, things have been spinning around for years, warming up and icing up, hence The Ice Age. Kinda of like Florida, the people who have made this state home know how to adapt to the environment. Newcomers to Florida feel the wrath of summer. Currently, its the beginning of June and May has shown four days over 90 degrees, all in the last two weeks. How does a newcomer survive the heat? Personally, I don’t care if they survive, you didn’t plan ahead. More people have moved to the Tampa area in the past year then ever before. Housing values have doubled, everything is expensive. Some say its the next Miami. However, there are no beaches in Tampa and very little shore space in the county of Hillsborough. You have to travel to two of the most congested cities in Florida to reach the beaches. Clearwater Beach and St. Pete Beach are absolute beautiful and crowded. Parking is a nightmare, if you can find a spot.

No I am not going to be hard-hearted on new arrivals, I wasn’t born here, I am a transplant. But I will give some hints on how to survive the hellish heat. First thing, get a pool or have access to one, that’s a no-brained. Secondly when parking your car always park under a tree. If you don’t when to enter your car be prepared to enter a pizza oven at 900 degrees! You will melt, especially if own a black car. Need more tips, air-conditioning you will need one and a good repairman. Odds are when the temperature hits 90 degrees, your air conditioner will tank, it will be on a Friday during a three day weekend. Two questions I always ask when buying a house, are the age of the roof and the air conditioner. Buy a generator for when the power goes out and the air conditioner isn’t working.

The snowbirds from Canada have figured it out they arrive in October and leave in May, why? Hurricane season is from June to November. If you haven’t experienced a hurricane in Florida you will when you move here. By the way it rains most days. We have roaches the size of mice and alligators roaming everywhere. The humidity is awful. Lizards jump up and greet you and the mosquitoes can’t wait until dusk to suck a pint or two of blood. All in all Florida is my home and I love living here, once I figured it out.

Senator John Kennedy (R-LA) takes the Senate Floor to address the rampant widespread sexual harassment at the FDIC. FROM racial comments to sexual innuendos, to high ranking FDIC officials visiting brothels, the FDIC is totally out of control. Self enforcement of the agency is not possible because the abusive behavior is from top on down. Recent reports have highlighted serious issues of sexual harassment and misconduct at the Federal Deposit Insurance Corporation (FDIC). An independent review conducted by the law firm Cleary Gottlieb, commissioned by the FDIC’s Special Review Committee, revealed pervasive sexual harassment, discrimination, and bullying within the agency. The investigation, which included accounts from over 500 current and former employees, found that these behaviors were tolerated by senior leaders for years, with complaints often met with retaliation instead of being properly addressed.

The report criticized the FDIC’s “patriarchal, insular, and risk-averse culture,” stating that management’s response to allegations of misconduct was “insufficient and ineffective.” It detailed incidents of senior executives pursuing romantic relationships with subordinates and other inappropriate behaviors. Despite these findings, the report stopped short of recommending the removal of FDIC Chair Martin Gruenberg, although it questioned his ability to lead the necessary cultural transformation.

In response to the findings, Gruenberg expressed his remorse and committed to implementing the report’s recommendations, which include establishing an anonymous hotline for reporting misconduct, developing a more transparent process for handling complaints, and ensuring better support for victims.

The situation has sparked calls from both Republican and Democratic lawmakers for significant changes at the FDIC, with some demanding Gruenberg’s resignation. This controversy not only highlights the immediate need for reform within the FDIC but also raises broader concerns about leadership and accountability in government agencies.

For more detailed information, you can refer to sources like Politico, the FDIC’s official report, and Reuters.

See the video clip of Senator John Kennedy.

https://youtu.be/zf3D3vq7bGQ?si=7OwNHPb7tGF7dYg1

• This discussion was modified 7 months, 3 weeks ago by  Gustan Cho.

My granddaughter

One lazy Saturday afternoon, I decided to catch up on some bills. I retrieved my checkbook, bills, and stamps to pay the bills. There were only four checks to write, so I thought I would just sit in the recliner, watch the ball game, and write the checks. My granddaughter, as usual on Saturdays, called her grandmother, my wife. They did ‘face time’ where both could view each other while talking. I wasn’t really paying attention to their conversation; my concentration was on math, not my best subject in school. I could hear them talking. My ears really perked up when I heard Melody say, Do you want to meet my boyfriend? She is only five years old! I know things move differently in Mississippi, so I’m not one to judge; however, she is only five years old! Nono, as my wife is affectionately known, started asking questions. The first question posed was, “How old are you, Kenny?” This deep voice can be heard over the phone—too deep for a five-year-old boy. “I’m not too old.” Immediately, my grandpa’s antennas went up; this kid won’t answer; I don’t like him. The next question my wife asked was, “What do you do for a living?’ Again, he did not answer. I’m thinking, “Who the fuck is this kid? Why is my wife having this conversation with this liar? Melody is only five years old! My wife asked the boy, ‘What’s your name?’ He answered Kenny, I now thought we were finally getting some where. He spoke monosyllabically—not many big words—and I began to think this kid was just full of shit. I continue to write the bills and watch the game, still not paying full attention to the phone conversation. Kenny spoke up and said, “Melody wants me to talk to Papi; that’s me. My bride hands me the phone, and I mime to her, “What the fuck are you doing? I don’t want to talk to this little shit.” Melody’s voice is heard: “Papi, talk to Kenny.” I’m resisting this; I don’t want to talk to this kid! Finally, I conceded to the powers of my granddaughter. I pick up the phone and meet Kenny; he’s a fucking doll! Ken from the Barbie set appeared, voiced by my five-year-old granddaughter. I am still laughing!

https://www.youtube.com/watch?v=dsF74UvXUXA

Lenders Mortgage Insurance (LMI) sounds complicated, but it’s a safety net for lenders when your deposit is less than 20% of the property’s value. Unfortunately, you have to pay for it.

Understanding LMI means knowing how property value, deposit size, and loan type work together. You can avoid paying LMI by having a 20% deposit or getting help from family or government schemes.

Key Facts about LMI

• LMI is a one-time payment added to your home loan’s total amount.
• It protects the lender, not you if you default on your home loan.
• To avoid LMI:
  • Put down a larger deposit (over 20%).
  • Use government programs like Keystart home loans.
  • Remember, if you refinance later, LMI doesn’t go away.

What is Lenders Mortgage Insurance (LMI)?

If your deposit is less than 20% of the property’s value, you might have to pay LMI. This happens because loans with a higher Loan-to-Value Ratio (LVR) are seen as riskier by lenders.

LMI is a non-refundable fee charged to you as an upfront cost, added to your loan if your deposit doesn’t meet the lender’s requirements. It’s a way for lenders to protect themselves in case you can’t repay the loan and they can’t recover the full amount through the sale of the property.

How is LMI Calculated?

Lenders use a tiered system to calculate LMI based on:

• The value of your property.
• Your deposit size.
• The amount you borrow.
• The type of loan.
• The type of property.

Generally, the higher your LVR, the higher your LMI. Investment loans usually have higher LMI than owner-occupied loans. It’s best to get a quote from your lender since calculations can vary.

How Much Does LMI Cost?

LMI can range from 1% to 5% of your total loan amount, depending on your LVR. For example, here’s a rough estimate:

Note: These are indicative only. Actual costs can vary with different lenders.

Should You Pay LMI Upfront or Add It to Your Loan?

Paying LMI upfront is the least expensive option, but many borrowers choose to add it to their loan to spread out the cost. The downside is you’ll pay interest on both your home loan and the LMI amount. Consider using an offset account to reduce your interest.

Are There Benefits to Paying for LMI?

We usually recommend avoiding LMI, but if you can’t, here’s why it’s not all bad:

• No need for a guarantor: You won’t need someone else to secure your loan.
• Enter the market sooner: You can buy a home earlier and avoid paying rent.

How to Get LMI Waived

1. Guarantor: A family member can use their home equity to help you avoid LMI.
2. Home Guarantee Scheme: Government programs like the Home Guarantee Scheme can help you buy with a smaller deposit and no LMI.
3. Save a 20% Deposit: Aim to save 20% of the property value to avoid LMI.
4. Lender Discounts: Some lenders offer LMI discounts for certain loan products or professionals.
5. Professional Waivers: Certain high-paying professions may be eligible for LMI waivers.
6. Parental Help: Parents can gift money or act as guarantors to help you avoid LMI.

Who is Eligible for an LMI Waiver?

Professionals such as doctors, surgeons, lawyers, accountants, and engineers may qualify for LMI waivers, depending on the lender. Requirements often include a high credit score, a minimum annual income, and membership in a professional organization.

Pay LMI or Keep Saving?

Paying LMI:

• Lets you buy a home sooner.
• Can be a good choice if property prices are rising.

Saving a Larger Deposit:

• Reduces your mortgage repayments.
• Eliminates or lowers LMI costs.

How to Avoid LMI When Refinancing

To avoid LMI when refinancing, ensure you have at least 20% equity in your home. You can increase your equity by improving your home’s value or paying off your mortgage early. Remember, LMI isn’t transferable between lenders or loan programs.

Got More Questions?

If you have more questions or need help with LMI, check out Nfinity Financials. They assist first-time homebuyers in purchasing their own homes and avoiding LMI.

Here’s Willie Nelson funny clip with Steve Colbert

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We love WILLIE!! 🤠 ♥️ | Broken Spoke | brokenspokeaustintx · Original audio

We love WILLIE!! 🤠 ♥️. brokenspokeaustintx · Original audio

How many is too many shoes? My husband asked me this question and I was dumbfounded! What do you think?

Beautiful German shepherd dog. Long hair German Shepherd dog looks like Chase.

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I love you 😍 #dog #reels #puppyeyes | Kaos & Mayhem | Kaos & Mayhem · Original audio

I love you 😍 #dog #reels #puppyeyes. Kaos & Mayhem · Original audio

Diners beware selecting a Pizza Shop

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Pizza shop problems | This pizza shop has some real problems with some customer orders... 😂🍕 | By LADbible | Facebook

This pizza shop has some real problems with some customer orders... 😂🍕

Who are America’s most untrusted news anchors? I guess you call these untrusted news anchors FAKE NEWS.

Boston Mayor Michelle Wu has issued a statement that white people are not invited to Boston Coty Hall Christmas Party or you can say Holiday party. Talk about blatant racism. People, it’s 2023 and what is going in this great country. How does a biggot like Michelle Wu get elected as Vhief Executive Officer in the city of Boston as Mayor of one of the oldest city of the United States? Here we are impeaching a former President of the United States Donald Trump and we are going to let this racist Michelle Wu run the city of Boston? You be the judge.

https://youtu.be/5tVNks3xXW4?si=ocfOggp7TYnhzgho

The IRS is weaponizing on wealthy republican Americans by cracking down on tax cheaters. Politician have been in talks of adding an additional 80,000 IRS special agents to go after Americans who may be abusing the U.S. tax code for additional revenues. With special emphasis on targeting republican taxpayers, millions of dollars is expected to be collected from taxpayers. The Internal Revenue Service will scrutiny irregular deposits and withdrawal including PayPal and Zelle wire transfers.

https://youtu.be/74pFxCtq3no?si=AtKBS0EltdNIEMy4

German Shepherd Puppies are very intelligent dogs. German Shepherd Puppies are loyal, can think, loyal to their masters, get along with other dogs and cats, and are natural guard dogs. German Shepherd dogs do not have to be trained as guard dogs. They are natural guard dogs and will attack anyone who they see is threatening their masters or family member. There are so many beautiful stories about these great loyal canines. I had many German Shepherd dogs throughout my life and every German Shepherd dog I had was very special. I have created this thread for German Shepherd owners and lovers who can share their thoughts on training German Shepherd Puppies and share their tricks and tips with us.

https://youtu.be/60l-0CNKIsU?si=B42rTPXGJT7Q3g4J

The term “two-year U.S. Treasuries” refers to U.S. Treasury securities with a maturity of two years. U.S. Treasuries are debt securities issued by the U.S. Department of the Treasury to raise funds for the government’s financing needs. These securities come in various maturities, including short-term, medium-term, and long-term.

In the case of two-year Treasuries, it means that the security will mature in two years from the date of issuance. Investors who purchase these securities essentially lend money to the U.S. government for a two-year period, and in return, they receive interest payments at regular intervals until the maturity date when they get their principal back.

The interest rate on these securities is determined through auctions, and it reflects prevailing market conditions and the government’s fiscal policy. Short-term Treasuries, such as two-year notes, are often considered less risky than longer-term ones because they are less susceptible to interest rate fluctuations. Investors may use these securities as a relatively safe investment or as part of a diversified portfolio strategy.

https://www.youtube.com/watch?v=9V6JM97fE9U

Here are the key differences between hybrid and electric cars:

Power Source:

Hybrid Cars: Hybrids have both an internal combustion engine (usually gasoline) and an electric motor. They can operate on either power source independently or use both simultaneously, depending on driving conditions. The electric motor is typically used at low speeds or during acceleration, while the gasoline engine kicks in at higher speeds.

Electric cars are powered solely by an electric motor and rely on electricity stored in a battery for propulsion. They do not have a traditional internal combustion engine and produce zero tailpipe emissions.

Battery Size and Range:

Hybrid Cars: Hybrids have smaller batteries compared to electric cars. These batteries are usually charged through regenerative braking or by the internal combustion engine, and they provide a limited electric-only range. However, hybrids do not need to be plugged in to charge.

Electric Cars (EVs): Electric cars have larger batteries that need to be charged externally, usually by plugging into an electric power source. The size of the battery determines the car’s range on a single charge, which can vary from tens to hundreds of miles depending on the model.

Fuel Efficiency:

Hybrid Cars: Hybrids are designed to improve fuel efficiency by using the electric motor to supplement the gasoline engine, especially in stop-and-go traffic. They achieve better gas mileage compared to traditional gasoline cars, but they still rely on gasoline.

Electric Cars (EVs): Electric cars are highly efficient and have the potential for zero tailpipe emissions, depending on the source of the electricity used for charging. They offer excellent energy efficiency and are considered environmentally friendly if the electricity comes from renewable sources.

Charging Infrastructure:

Hybrid Cars: Hybrids do not require external charging infrastructure since their batteries are charged through the internal combustion engine and regenerative braking. They can be fueled at traditional gas stations.

Electric Cars (EVs): Electric cars need access to charging stations for recharging their batteries. The availability and convenience of charging infrastructure can vary depending on the region, but it is expanding globally.

Environmental Impact:

Hybrid Cars: While hybrids are more fuel-efficient than traditional gasoline cars and produce fewer emissions, they still rely on gasoline and, therefore, contribute to air pollution and carbon emissions.

Electric Cars (EVs): Electric cars produce zero tailpipe emissions, making them environmentally friendly, especially when charged with electricity from renewable sources. However, the overall environmental impact depends on the source of the electricity used for charging.

In summary, hybrid cars combine both internal combustion engines and electric motors, offering improved fuel efficiency but still relying on gasoline. Electric cars, on the other hand, solely rely on electric power and provide the potential for zero emissions, depending on the electricity source.

NEXA Mortgage has revenue share which is residual income for loan officers and employees for NEXA Mortgage. Residual income is an override of every loan officer they recruit who does production. The residual income is through revenue share of loan officers monthly revenue and it goes down three levels. CEO Mike Kortas does a Zoom webinar live every Thursdays at 11 am Arizona time. It is a live Q and A for all loan officers who are interested in joining NEXA Mortgage. I have been with NEXA Mortgage going on two years come February 24th, 2024 and I can attest that CEO Mike Kortas is the real deal. We have a rock solid Chief Executive Officer and with that, we have a rock solid foundation. It is hands down better to take a few steps backwards to go forwards and make sure whatever you do, make sure you have a solid foundation. Anything with a weak foundation will not last. You can build a multi-million dollar home in a cracked foundation and it is not if it will crack but when it will collapse. I have been in the mortgage industry since 2012 and was a real estate investor and developer since 1998 and I have never met so many scumbags in any industry like the mortgage industry. Most CEOs of mortgage companies will tell you one thing and not honor their word in a matter of months. CEO Kortas has honored every single word he has said or promised. Never in my career have I ever met such a man of integrity, honor, and fairness like CEO Michael Kortas. With a strong foundation, you can rest assured you have the keys to your destiny in the mortgage industry.

https://gustancho.com/mlo-revenue-share-residual-income/

gustancho.com

MLO Revenue Share Residual Income For Loan Officers

Loan officers at Gustan Cho Associates will have the opportunity to participate in the MLO Revenue Share Residual Income, up to $3 million down.

Why you should be protected to avoid STD

@Bill Burg

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Follow @WeTrendingWorldWide 📈 ᴄᴏᴍᴍᴇɴᴛ ʙᴇʟᴏᴡ 📈 🫣🤣😱😳 🎟️Tag Your Friends 📱Share For More New Funny / Entertaining Content *Content creators Dm me for Credit or removal of video* *Dm For Promo* • • #WeTrendingWorldWide | WeTrendingWorldWide 📉📈 | wetrendingworldwide · Original audio

Follow @WeTrendingWorldWide 📈 ᴄᴏᴍᴍᴇɴᴛ ʙᴇʟᴏᴡ 📈 🫣🤣😱😳 🎟️Tag Your Friends 📱Share For More New Funny / Entertaining Content *Content creators Dm me for Credit or removal of video* *Dm For Promo* • •...

What does recission mean in the mortgage process?

Here’s a video clip about traumatizing a dog for life. The black lab mix will never be the same after witnessing a Bulldog being cut up.

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The dog is trying to say "I DON SUFFER FOR THIS HOUSE". 🤣🤣 #doglover #cakesofinstagram | Brian Junior | Brian Junior · Original audio

The dog is trying to say "I DON SUFFER FOR THIS HOUSE". 🤣🤣 #doglover #cakesofinstagram. Brian Junior · Original audio

My family is interest in getting out of the single family and multi-family home rental investment and getting more into investing in an RV campground, mobile home park, or storage facility. Is an RV Park a good investment? I have heard from business associates and other indirect investors that RV parks are a high-yielding investment with little downside. What type of return would be a good yield on an RV park investment and what type of capital do you need to get started. How is financing rates, terms, and conditions? Can a new investor get financing on an RV Park? What do you suggest to keep an eye on and what are the steps to go about shopping for RV Parks that is on the market? Are there business brokers that specialize in RV Parks? Do you suggest developing an RV PARK by buying land and starting from scratch or buying an existing RV park that is cash flowing.

Utah Department of Real Estate (UTAH DRE) is the state agency that overseas the licensing for mortgage loan originators, branch managers, associate principal lending managers, and principal lending managers. Getting the UTAH NMLS MLO license requires the 20 hour NMLS pre-licensing course, and 15 hours of continuing education the first time you get licensed. To renew the UTAH NMLS MLO license requires 8 hours of standard continuing education and two additional hours of Utah state specific continuation NMLS CE course every year. To become a Utah Principal Lending Manager UTAH PLM, the candidate need to be an NMLS MLO loan originator with at least five years of experience and have originated and closed 45 mortgage loans in the past 12 months. The UTAH Principal Lending Manager candidate needs to enroll and complete a 40 hour UTAH PLM comprehensive online course which consists of UTAH state specific mortgage rules, regulations, practice, policies and procedures, fraud, ethics, state and federal laws. Any advice on getting the UTAH NMLS MLO and UTAH PLM license would be greatly appreciated.