[Bentley]

Gustan Cho Associates NMLS 2315275, is headed by Gustan Cho NMLS 873293, the national managing director at Gustan Cho Associates. Gustan Cho Associates is a dba of NEXA Mortgage NMLS 1660690, the largest mortgage broker and correspondent lender in the country. Gustan Cho Associates has a national reputation for being able to do mortgage loans other lenders cannot do. Over 80% of our Borrowers at GCA Mortgage Group are folks who could not qualify at other lenders. Gustan Cho Associates has the states (licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands: NY and MA is pending). has the loan products (partnership with over 259 wholesale lenders of business, commercial, and residential loans), and has the lowest rates.

[Bentley]

Many Americans are moving to Kansas due to a combination of factors that make it an attractive place to live. Here are some key reasons driving this trend:

Affordable Cost of Living

Lower Housing Costs: Kansas offers some of the most affordable housing in the country. The median home price in Kansas is significantly lower than the national average, making it easier for families to buy homes without overextending their budgets​.

Overall Expenses: The cost of living in Kansas is generally lower across various categories, including groceries, transportation, and healthcare, contributing to a more affordable lifestyle​.

Clean Environment and Quality of Life

Natural Beauty and Outdoor Activities: Kansas boasts clean air, open spaces, and a variety of outdoor activities, including hiking, fishing, and camping, which enhance the overall quality of life​.

Community and Safety: Many Kansas towns and cities are known for their strong sense of community, low crime rates, and family-friendly atmosphere, making them safe and welcoming places to live​.

Education in the State of Kansas

Great Schools and Universities: Kansas has numerous highly-rated public and prestigious universities, including the University of Kansas and Kansas State University, which provide excellent educational opportunities from kindergarten through higher education​.

Economic Opportunities

• Job Market: Kansas has a diverse and growing economy with strong job markets in sectors like agriculture, manufacturing, healthcare, and education. The state also offers entrepreneurs various business opportunities and support.

Development Potential: With plenty of land available for development, there are significant opportunities for new businesses and residential projects, attracting investors and families looking to build their dream homes​.

Tax Benefits

Low Property Taxes: Compared to many other states, Kansas has relatively low property tax rates, reducing homeownership costs​.

Low Income and Sales Taxes: The state’s income and sales taxes are also relatively low, helping residents keep more of their earnings and spend less on everyday purchases​. Kansas’s combination of affordable living, excellent educational institutions, strong economic opportunities, and a clean, safe environment makes it an increasingly popular choice for Americans seeking a better quality of life. Kansas offers many compelling advantages, whether you are looking to start a family, grow a business, or enjoy a more relaxed lifestyle.

Please try Gustan Cho Associates Best Kansas Mortgage Calculator:

https://gustancho.com/kansas-mortgage-calculator/

gustancho.com

Kansas Mortgage Calculator With PITI, PMI, HOA, and DTI

GCA's Kansas Mortgage Calculator with PMI, Insurance, Taxes is the most accurate calculator in the market with the debt-to-income-ratio feature

[Bentley]

Why are so many people moving to Kansas? The reason why so many Americans are moving to Kansas is due to affordable cost of living. affordable homes, clean environment, great schools, great high schools and universities, low property taxes, low income and sale taxes, plenty of land and development opportunities, great economy, great job and business opportunities.Kansas is one of the most sought after states in the nation. The great state of Kansas is attracting Americans from other states as well as businesses who want to relocated to Kansas to make Kansas their lifelong home with starting a family and many business owners are excited about the idea of starting a new business and a new life. Home values in Kansas is still affordable and below the national median.

https://gustancho.com/bad-credit-mortgage-loans-kansas/

• This reply was modified 6 months, 3 weeks ago by  Gustan Cho.

gustancho.com

Bad Credit Mortgage Loans Kansas With Credit Scores Down To 500 FICO

Bad Credit Mortgage Loans Kansas With No Lender On FHA and VA Loans with credit scores down to 500 FICO and Non-QM mortgages

[Bentley]

NEXA Mortgage New Loan Officer Training Academy Curriculum

Getting started as a brand-new loan officer with experience in a formal mortgage company is rather difficult. No company wants to train a brand new loan officer except NEXA Mortgage. Brand recruits can get loan officer training by qualifying and being accepted to the NEXA Mortgage New Loan Officer Training Academy Curriculum. NEXA Mortgage offers a comprehensive training program for new loan officers through their NEXA Academy. The curriculum will equip you with the knowledge and skills necessary to succeed in the mortgage industry. Here’s an overview of what you can expect:

Curriculum Overview

Onboarding Process

Introduction and Welcome: An introductory session to acquaint you with the systems and processes within NEXA.

Documentation and Setup: This section provides guidance on setting up necessary accounts, such as LendingPad, Avantus/Xactus for credit logins, and your Google email account.

Technical Training: Detailed instructions on using Zoom, navigating Google Chat, and accessing NEXA’s Google Drive.

Required Training

• Basic Mortgage Concepts: Knowledge of mortgage origination, loan types, and underwriting guidelines.
• Advanced Loan Origination: In-depth training on various loan products, including FHA, VA, conventional loans, and specialized programs like bank statements and construction loans.
• Compliance and Regulations: Ensuring adherence to industry regulations and NEXA’s internal policies.

Sales and Marketing Training

• Lead Generation: Techniques for generating and managing leads through various channels.
• Client Relationship Management: Strategies for building and maintaining strong client relationships.
• Marketing Tools: Training on using marketing tools such as Brand 360 and other CRM systems.

Ongoing Support and Development

• Regular Check-ins: Scheduled meetings to discuss progress and address any challenges.
• One-on-One Coaching: Personalized coaching sessions to develop your loan officer blueprint and maximize your potential.
• Continuing Education: Access advanced courses and industry updates to inform you of the latest trends and practices.

Practical Application

• Live Case Studies: Real-world scenarios to apply learned concepts and refine problem-solving skills.
• Mentorship: Pairing with experienced loan officers for guidance and support.

Benefits of the NEXA Academy

Expert-Led Training: Courses are led by industry professionals with extensive experience in mortgage lending.

Comprehensive Resources: Access a wide range of resources, including training videos, manuals, and online tools.

Career Support: Ongoing support to help you grow your business and achieve your career goals. NEXA Mortgage’s commitment to thorough training and development ensures that new loan officers are well-prepared to excel in the competitive mortgage market. This structured approach helps you build a solid foundation and provides the tools necessary for long-term success. You can visit their official website or virtual training platform for more detailed information about the NEXA Academy and its offerings.

https://gustancho.com/training-a-new-mortgage-loan-officer/

gustancho.com

Training a New Mortgage Loan Officer Without Any Experience

Gustan Cho Associates are experts in training a new mortgage loan officer without any experience through its mentor new MLO academy

[Bentley]

Why so many Americans are moving to Kentucky is due to affordable cost of living. affordable homes, clean environment, great schools, great high schools and universities, low property taxes, low income and sale taxes, plenty of land and development opportunities, great economy, great job and business opportunities.

[Bentley]

Thank you for providing this overview of the initial steps to buy a Kentucky house. Let’s continue with the remaining steps and add some Kentucky-specific details:

Home Inspection:

• Hire a professional inspector to assess the property’s condition.
• In Kentucky, pay special attention to potential issues like foundation problems due to the state’s karst topography in some areas.

Appraisal:

• Your lender will typically require an appraisal to ensure the home’s value matches the loan amount.

Title Search and Insurance:

• A title company will search for liens or issues with the property’s title.
• Consider purchasing title insurance to protect yourself from future claims.

Finalize Mortgage:

• Work with your lender to complete the mortgage application process.
• Provide necessary documentation and meet any conditions.

Final Walk-Through:

• Conduct a final walk-through of the property before closing to ensure it’s in the agreed-upon condition.

Closing:

• In Kentucky, an attorney is not required to be present at closing, but you may choose to have one.
• Review and sign all necessary documents.
• Pay closing costs and receive keys to your new home.

Kentucky-specific considerations:

• Property Taxes: Kentucky has relatively low property tax rates compared to many other states
• Flood Zones: Some areas of Kentucky are prone to flooding, so consider flood insurance if buying in these areas
• Rural Property: If buying in rural Kentucky, be aware of potential issues like well water and septic systems
• Historic Homes: Kentucky has many historic homes, which may come with specific regulations or maintenance needs
• Radon: Some areas of Kentucky have higher levels of radon, so that testing may be advisable

Market trends:

• Cities like Louisville, Lexington, and Bowling Green have seen steady growth in recent years
• The housing market in Kentucky has generally been more stable and affordable compared to national trends

First-time homebuyer programs:

• Kentucky Housing Corporation offers several programs for first-time homebuyers, including down payment assistance

Remember to research specific local regulations and market conditions in the area where you’re looking to buy. Working with local professionals (real estate agents, lenders, inspectors) familiar with Kentucky’s specific requirements and regional variations can greatly assist in navigating the process.

[Bentley]

Great topic. Sometime controversial but yet a topic that draws a lot of controversy. I remember when Al Gore was real big on Global Warming and that is when I believed in Global Warming. You then get a bunch of clowns like Bill Gates, John Kerry, Bill Clinton, Joe Biden, Barack Obama, Jeff Bezos and a whole bunch of far left liberals who use Global Warming to profit for themselves and causes and political purposes. Global warming refers to the long-term increase in Earth’s average surface temperature due to human activities, primarily the emission of greenhouse gases from burning fossil fuels, deforestation, and industrial processes. Here’s an overview of the key aspects of global warming:

Causes

1. Greenhouse Gases:

   • Carbon Dioxide (CO2): The largest contributor to global warming, primarily from burning fossil fuels (coal, oil, and natural gas) for energy and transportation.
   • Methane (CH4): Released during the production and transport of coal, oil, and natural gas, as well as from livestock and other agricultural practices.
   • Nitrous Oxide (N2O): Emitted from agricultural and industrial activities, as well as during combustion of fossil fuels and solid waste.
   • Fluorinated Gases: Synthetic gases used in a variety of industrial applications that have a high global warming potential.

2. Deforestation:

   • Trees absorb CO2, and when they are cut down or burned, the carbon stored in the trees is released back into the atmosphere.

3. Industrial Processes:

   • Emissions from manufacturing processes and the use of certain chemicals contribute to the accumulation of greenhouse gases in the atmosphere.

Effects

1. Rising Temperatures:

   • Global Temperature Increase: According to NASA, the planet’s average surface temperature has risen by about 1.18 degrees Celsius since the late 19th century, with the majority of the warming occurring in the past 40 years.

2. Melting Ice Caps and Glaciers:

   • Polar Ice: Significant ice loss in Greenland and Antarctica contributes to rising sea levels.
   • Glaciers: Many of the world’s glaciers are retreating, leading to changes in water availability for millions of people.

3. Sea Level Rise:

   • Thermal Expansion: As water heats up, it expands, contributing to rising sea levels.
   • Ice Melt: Melting glaciers and polar ice add to the increase in sea levels.

4. Extreme Weather Events:

   • Heatwaves: More frequent and severe heatwaves.
   • Storms: Increased intensity of hurricanes, typhoons, and other storm systems.
   • Flooding and Droughts: More frequent and severe flooding and droughts due to changes in precipitation patterns.

5. Impacts on Ecosystems and Biodiversity:

   • Species Migration: Many species are moving towards the poles or to higher altitudes in search of cooler climates.
   • Extinction Risks: Some species are unable to adapt quickly enough and face increased risks of extinction.

Mitigation and Adaptation

1. Reducing Emissions:

   • Renewable Energy: Transitioning to solar, wind, hydro, and other renewable energy sources to reduce reliance on fossil fuels.
   • Energy Efficiency: Improving energy efficiency in homes, buildings, and transportation to reduce overall energy consumption.

2. Carbon Sequestration:

   • Forestation and Reforestation: Planting trees and restoring forests to absorb CO2 from the atmosphere.
   • Carbon Capture and Storage (CCS): Technologies to capture and store CO2 emissions from industrial processes and power plants.

3. Adaptation Strategies:

   • Infrastructure: Building resilient infrastructure to withstand extreme weather events.
   • Water Management: Developing efficient water management practices to cope with changes in water availability.

Global Efforts

1. Paris Agreement:

   • An international treaty adopted in 2015, aiming to limit global warming to well below 2 degrees Celsius above pre-industrial levels, with efforts to limit the increase to 1.5 degrees Celsius.

2. United Nations Framework Convention on Climate Change (UNFCCC):

   • An international environmental treaty established to address climate change and its impacts.

https://www.youtube.com/watch?v=G4H1N_yXBiA

[Bentley]

Many people are curious if any predators of sexual harrassment at the FDIC were held accountable. From what I understand, the FDIC did take action. The Federal Deposit Insurance Corporation (FDIC) has taken action against employees accused of sexual harassment. In 2023, there was a significant development in this area that garnered national attention:

In April 2023, the FDIC’s Chairman, Martin J. Gruenberg, announced that the agency had terminated or forced the resignations of 24 employees involved in sexual harassment misconduct cases since 2019. This action came after a series of internal investigations and an external review that revealed a pattern of sexual harassment within the agency.

Key points:

1. External Review: The FDIC commissioned an independent law firm, Jenner & Block LLP, to conduct a comprehensive review of its sexual harassment and sexual assault issues.
2. Findings: The review found that sexual harassment was a significant problem at the FDIC, with some high-level officials being repeat offenders.
3. High-Profile Cases: Among those removed were senior executives who had been accused of repeated misconduct over many years.
4. Systemic Issues: The review also highlighted systemic problems in how the FDIC handled such complaints, including a lack of accountability for senior officials.
5. Public Disclosure: Unlike many organizations that handle such matters privately, the FDIC took the unusual step of publicly disclosing the number of employees fired or forced to resign.
6. Agency Response: Chairman Gruenberg committed to significant reforms, including better training, improved reporting mechanisms, and a culture shift to take sexual harassment more seriously.

This action by the FDIC is part of a broader societal shift in how organizations handle sexual harassment, with many institutions now taking a more proactive and transparent approach in addressing such misconduct.

https://www.youtube.com/watch?v=30sKwIKkhfs

[Bentley]

LOL. They pulled a fast one on grandpa. It’s a good one. Believeable.