It’s OFFICIAL. Barack Obama has convinced Joe Biden to step down from running for reelection in 2024 against former President Donald Trump. We have not heard from Joe Biden or Jill Biden but we have heard this breaking news from reliable sources. More updates to come.

https://youtu.be/3rq6QGtWUus?si=AFmhkpURw6AyyOES

Here is breaking news about the Biden Crime Family and Big Mike Obama

Want to tell our members about Derrick Grayson and the video message I saw. I could not believe my ears to hear Mr. Derrick Grayson about all the questionable lies and theories from EVIL and politicians. I will not say too much until you all see Derrick Grayson podcast. You will NOT be disappointed.

https://www.youtube.com/live/qFI4qaGSrMo?si=VwWeAomqrIxrhy1t

• This discussion was modified 7 months, 1 week ago by  Gustan Cho.

The verdict is in on former President Donald Trump’s trial in New York. Former President Donald Trump has been found guilty on all 34 charges in his hush money case. Never before in history has a former president of the United States been tried after they left office of the Presidency. This trial of former President Donald Trump was politically motivated with many things wrong with even going to trial. No doubt the trial was politically motivated due to the fear and panic of former President Donald Trump running for office of the Presidency of the United States in November 2024. The charges against President Donald Trump are related to falsifying business records to conceal a $130,000 payment made to adult film star Stormy Daniels. This payment was part of an effort to prevent Daniels from going public with her claims about a 2006 encounter with Trump. This historic conviction marks Trump as the first former U.S. president to be convicted of felony crimes. The jury deliberated for 9.5 hours before reaching their verdict, which involved examining numerous invoices, vouchers, and checks connected to the reimbursement payments made to Trump’s former lawyer, Michael Cohen, who initially covered the payment to Daniels. The sentencing for Trump is scheduled for July 11, just before the Republican National Convention where he is expected to be nominated as the 2024 presidential candidate.

https://www.youtube.com/watch?v=NM1v-Tyvvso&list=RDNSNM1v-Tyvvso&start_radio=1

I am trying to get my head around and grasp this AI; it’s not working. While at my cardiologist recently, we had a discussion on AI. His son is a cellist and has played professionally for years.

He stated, “There are good things about AI.” He went on to say his son played cello two years ago in a recording studio in Kentucky. He played the first part of a symphony he wrote, had it recorded with AI, and AI finished the symphony. My doctor said it was musically perfect—no mistakes from any instrument. The only thing missing was passion; passion in music cannot be duplicated. The essence of music is to feel its energy radiate through your body. If it doesn’t, something is missing.

I’ve been experiencing a similar reaction to my short stories. My critics read the post, not the story, then break down each phrase and each word. Here is an example: my book. “If The Creek Don’t Rise There Will Be A Parade.” I know what the title means; AI doesn’t need to explain it to me. Pretty condescending. However no one reads the book. “Wow Wine Wednesdays,” a short post on a certain wine I like. AI explains “Wednesdays,” ‘the middle of the week break.’ No one mentioned the wine. This AI is erasing all the passion involved in writing. If AI critiqued “Old Man and the Sea,” it would say, “Old man, a male of old age,” and “seas,” a large body of water smaller than an ocean. Sure it makes me want to read the book.

AI, as far as I’m concerned, always misses the point. Although you can’t argue with the facts of AI, they will always be correct. My definition of AI. AI is a big windbag that states truths, never having an opinion on any discussion. It’s like that smart ass kid you grew up with who knew all the facts about baseball but couldn’t hit a ball or catch a ball. He may know the facts, but he will never know the feeling of running down a fly ball in the outfield on a warm summer afternoon while your teammates are cheering for you to catch the ball. AI has no feelings; it can’t register passion. In truth, you can’t explain something you never really experienced.

AI will never give me goose bumps, or that warm feeling when hearing the violin, how the strings be so soothing it will erase any depression. It will never give me the tingling sensation that’s engulfs my body when a soprano hits their high C in an aria.

Let’s break down Artifical Intelligence like AI would.

Artifical: an adjective which modifies a noun: made or produced by a human being rather than occurring naturally. In other words FAKE.

Intelligence: a noun the subject of the sentence: the ability to acquire knowledge and skill

To make logical chooses, to be able to solve problems, apply critical thinking and think in the abstract. In other words being able to THINK.

AI is really a phooey, its fake and it can’t think. Ergo an oxymoron.

Oxymoron: Greek, “Oxus” means sharp and “Moros means” foolish.

I am diligently doing my due diligence on adopting either a Doberman Pinscher or a German Shepherd puppy or young adult once I close on my first home. Can anyone tell me the character between Doberman Pinschers and German Shepherds? My wife and I never had a large dog. We have young children and small dogs and cats. Any recommendations would be greatly appreciated. Thank you in advance.

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 9 months, 3 weeks ago by  Gustan Cho.

https://www.youtube.com/watch?v=0trHQUkUTUU

Who is this Anthony Fauci? Is he a medical doctor? Does he have a PhD? Does Anthony Fauci a real doctor? Is the information that Dr. Anthony Fauci worked for more than 50 years at the National Institutes of Health worked to manage U.S. public health crises, such as the HIV/AIDS epidemic in the 1980s, the West Nile Virus outbreak in 2009, H1N1, Ebola, Zika and Severe Acute Respiratory Syndrome (SARS), among others true? Did doctor Fauci was leading monster to have created and launched coronavirus and was in charge of developing the coronavirus vaccine to be used as a weapon of mass destruction? Did Dr. Fauci kill thousands of Beagle dogs to use them for lab testing purposes? Is Dr. Fauci a monster or a real doctor who wants to help people?

https://www.youtube.com/watch?v=KxwcdiX9dPI

• This discussion was modified 8 months, 2 weeks ago by  Danny Vesokie | Affiliated Financial Partners.

https://www.youtube.com/watch?v=s4dsbmKs07I

What’s the LTV that an investor can use for rental income? Is it still 75%?

A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.

When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.

I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.

I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.

When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.

I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.

I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!

American consumers are getting squeezed economically. Interest rates on cars are between 11% to 19%. Average amount of monthly car payment is $700.00. Many consumers have car payments higher than $1,000 per month. Ford Motors announced great earnings. Now how can that be. Well, Ford CREDIT was offering zero percent on special FORD vehicles.

https://youtu.be/YPvv84wJz2o?si=lyrq3MmEDN8bJMSm

Want to thank my dear friend @TriciaJ Tricia James our favorite preferred wholesale Mortgage Lender who has brought it to my attention of Animal Care LA County Shelter who are overwhelmed with dogs and cats in desperate need of foster care and permanent forever homes. I think this great organization needs help I am all in

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On a recent family gathering with my granddaughters, grandniece, and grandnephew and various cousins. Age from 3 to 10, my wife and I thought it would be cool to have them write a book. We came up with an elephant as the main character, then asked the children ten questions: color of your elephant, name, favorite food, etc. When compiled the answers, and this is what we came up with.

The Grapevine…

The last of the great generation.

Are the baby boomers the last of the great generation, perhaps? We were born after World War II. We all heard the stories of the war and the Great Depression. Our parents struggled, especially if they were children of immigrants like mine. They had nothing and gave us everything they didn’t have. How noble. They went from having nothing to giving us their all. I was content in a one-bedroom apartment in Greenwich Village. There were five of us squeezed into barely 900 square feet of space. Living quarters were scarred after the war; all returning needed an apartment. My parents eventually moved into a 3-bedroom apartment in the 1960s. Others fled the city for the suburbs, giving us a better childhood.

That’s where it all started! I was spoiled with a basketball and baseball glove; I had it all! Growing up, we were all in the same boat, not having a lot of money. Our parents saved nickels and dimes for that down payment for a house—probably two grand for a twenty thousand dollar house. We watched and learned about the struggles; they stayed happy and taught us respect. Yes, sir; no, madam. They took us to church; we all dressed up for Easter, and we attended midnight mass on Christmas Eve. We traveled on holidays to see our grandparents.

That’s when we blew it! The eighties gave way to greed; corporations grew and grew. Finally, we had enough money for our kids, and we spoiled them. We started the problem that exists today; it is our fault. We were so focused on giving them a better childhood than us that we lost sight of the meaning of living. My wife and I have four children: a doctor, a teacher with a master’s, a Michelin chef, and a savant. We gave them all the tools they needed for a successful future. We thought we were doing the right thing. I love my grandkids very much; they have everything and more. How can a child possibly show appreciation when they have it all?

We shower them with love, affection, and lots of stuff. They forget, “Thank you; you’re welcome.” Respect is long gone. When a kid is bullied in school or cyberbullied, oh, give me a break and delete those unwanted messages. The bully and his prey are called into the principal’s office. “Bobby, you must not say those things to Jimmy; he is offended.” Offended, come on, when we went to school, you settled this stuff after the school bell rang. Outside, down and dirty, with fists blaring and noses bleeding. We coddled our children. I had two older sisters; sh*t, I was bullied right there; they told me I was adopted. When my first sister was born, my parents handled her like crystal. When the second sister was born, she was handled—maybe not like crystal but more like an expensive pair of glassware. By the time I was born, I could go outside and play in the streets at six years old. I played in vacant lots with tons of broken glass. I was on my own. I dodged cars and had strangers hold my hand to cross the street. “Have somebody cross the street with you,” my mother would yell from our fifth-floor window.

I wasn’t abused, but I was slapped for having a wise month by my parents. I needed only one slap to put my buttocks to keep me in order. I lived in constant fear: “Wait until your father comes home.” This scared the crap out of me, and looking back, my dad never hit me.

I realize it is ultimately the child’s responsibility to behave accordingly. You can have two children and spoil them identically, and they may have different results; one can be a spender and cry baby, and the other could be a minamilist.

I worked from the time I was fifteen, and my parents saved money for me. I was never much of a saver when I grew older, but I was taught to save for a rainy day. It was up to me to continue.

Family traditions: what happened there? Holiday meals with relatives—I know the younger generation is trying to establish their own traditions, duh. That’s not traditional. Why must everything be changed? Why? Because they are spoiled and bored. Our generation stopped a war by protesting at the colleges. They protest today because their feelings are hurt. Oh, please.

Wake up, or woke up! Spend more time with your kids; take them to the park. Limit time on devices. They made fun of us in the fifties when I had my plastic cowboy cap gun and holster. They said I would grow up and be violent. Now eight-year-olds are watching videos of mass military shootings, naked women, and who knows what else? Don’t get me wrong. I go to the gun range often and like naked women. I am an adult, so I’m told. I hope that my great-grandchildren, whom I will never know, come to realize that life is more than devices and possessions, so they can forge ahead and be the next great generation.

You heard it through the grapevine.

Happy Saturday!

I am an ambassador for the Boisset collection of wines (Sonoma, Napa & Burgundy, France). Here is a 3 minute clip to daydream . However, if you are in any of these areas, I can hook you up (except for John Legend, He won’t take my calls, ha ha).

• This discussion was modified 1 month, 1 week ago by  Sapna Sharma.

The difference between a deed-in-lieu of foreclosure and a foreclosure centers on the process and implications for the homeowner and the lender:

Foreclosure:

• Process: Foreclosure is a legal process initiated by the lender when the homeowner fails to make mortgage payments. The lender takes legal action to seize the home to recover the money owed.
• Impact on Credit: Foreclosure has a significant negative impact on the homeowner’s credit score and can remain on the credit report for up to seven years.
• Public Auction: Typically, the foreclosed property is sold at a public auction, and the lender may still pursue a deficiency judgment if the sale price does not cover the mortgage balance owed.
• Legal Proceedings: Involves court intervention, especially in judicial foreclosure states, where the process can be lengthy and costly.

Deed-in-Lieu of Foreclosure:

• Process: A deed-in-lieu of foreclosure is a voluntary process initiated by the homeowner who cannot make mortgage payments. The homeowner hands over the deed to the property to the lender to satisfy the loan, thereby avoiding foreclosure.
• Impact on Credit: While it still negatively affects credit scores, a deed-in-lieu may be slightly less damaging than a foreclosure. It also shows on a credit report for up to seven years but is often viewed slightly more favorably since it demonstrates proactive management of the default.
• Resolution: This process is generally quicker and less costly than foreclosure. It also avoids the public auction aspect of foreclosures.
• Deficiency Judgment: Typically, a deed-in-lieu agreement includes a provision that forgives any deficiency between the home’s value and the amount owed, though this needs to be negotiated with the lender.

Choosing Between Them:

• Homeowner’s Situation: The choice between pursuing a deed-in-lieu of foreclosure versus undergoing a foreclosure often depends on the homeowner’s specific circumstances, including their ability to negotiate with the lender and the lender’s willingness to accept the deed-in-lieu.
• Lender’s Discretion: Not all lenders will accept a deed-in-lieu of foreclosure, especially if there are other liens against the property, as these complicate the transfer of a clear title.

Both options are ways for borrowers to address financial hardship and impending foreclosure, but they carry different implications for the time required, impact on credit health, and potential financial obligations following the event. Homeowners facing such decisions may benefit from consulting with a financial advisor or a legal professional to explore the best course of action based on their personal situation and the specific terms of their mortgage agreement.

In this forum, we will discuss and cover condotels. What are condotels? What makes a condominium unit a condo hotel or condotel? A condotel is a type of real estate investment that combines condominium-style private ownership with hotel-style management. Here’s how they typically operate and some factors to consider if you’re thinking about investing in one:

What is a Condotel?

• Definition: A condotel is a condominium that is operated as a hotel with a registration desk, cleaning service, and more. Owners can use their unit as a private vacation home and also rent it out as a hotel room when they are not using it.
• Management: The hotel management handles renting out the units, maintaining common areas, and providing hotel-like amenities such as housekeeping, room service, and concierge services.

Features of Condotels

• Amenities: Like traditional hotels, condotels offer amenities such as pools, fitness centers, spas, and restaurants.
• Flexibility: Owners have the flexibility to stay in their unit when it’s available. When they are not using it, the unit can generate income by being rented out.
• Location: Condotels are often located in popular tourist destinations like beach fronts, downtown areas, or near major attractions, enhancing their appeal to renters.

Financial and Legal Considerations

• Financing: Getting a mortgage for a condotel can be more challenging than for a typical condominium. Many lenders view them as riskier investments, which can lead to higher down payment requirements and interest rates.
• Income Potential: The income from renting out a condotel can help offset the cost of ownership. However, revenue can fluctuate based on tourism trends, management performance, and competition from other hotels and rentals.
• Regulations: Ownership and rental rules can vary significantly depending on local laws and the specific condotel’s policies. Potential buyers should review these regulations carefully.

Investment Considerations

• Market Fluctuations: The profitability of condotels can be sensitive to the broader tourism industry, which may be impacted by economic downturns, natural disasters, or other factors reducing travel.
• Management Fees: Owners typically pay management fees for the operational aspects of the condotel, which can reduce the net income from rental earnings.
• Resale Potential: Reselling a condotel unit can sometimes be more challenging than selling a traditional condo due to the niche market and dependency on the tourism sector.

If you’re considering investing in a condotel, it’s essential to conduct thorough research and possibly consult with real estate professionals who have experience with this type of property. They can offer insights into the local market, potential returns on investment, and any legal complexities involved in owning a condotel.

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!

I’m not sure where to post this, religion, pets, or hobbies.

Sex before marriage is a sin, unless you do it doggy-style, all dogs go to heaven.

Here’s a funny comedy short from the Johnny Carson show

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Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show | Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show | By Video Funny1980Facebook

Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show

Some of my works, all available on amazon

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/

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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

Many of our viewers are asking about ITIN loans. FAQs are can I get a mortgage loan with my ITIN number? What are ITIN loans? How much down payment is required to buy a house with my ITIN number? What documents are required to buy a house with an ITIN number? Can I use my ITIN number to get a credit score and establish credit? ITIN loans are designed for borrowers who have an Individual Taxpayer Identification Number (ITIN) but lack a Social Security Number (SSN). They offer a pathway for individuals who are not eligible for an SSN, often non-citizens, to purchase a home.

Frequently Asked Questions (FAQs)

1. Can I Get a Mortgage Loan with My ITIN Number?

   • Yes, many lenders offer mortgage loans specifically for ITIN holders. However, not all lenders provide them, so it’s essential to find those that specialize in these loans.

2. What Are ITIN Loans?

   • ITIN loans cater to individuals without SSNs. These loans help borrowers with an ITIN prove their creditworthiness and qualify for a mortgage. Lenders typically review their credit history, income, and financial stability.

3. How Much Down Payment Is Required to Buy a House with My ITIN Number?

   • The down payment requirement typically ranges from 10% to 20%, often higher than conventional loans. The exact amount depends on the lender’s criteria, credit history, and the borrower’s financial profile.

4. What Documents Are Required to Buy a House with an ITIN Number?

   • Proof of Identity: ITIN card or letter, passport, or other government-issued IDs.
   • Bank Statements: Usually 12 months of statements to verify financial stability.
   • Tax Returns: Two years’ worth of tax returns filed with the ITIN.
   • Proof of Income: Pay stubs, invoices, or other documentation showing consistent income.
   • Employment Verification: Documents showing stable employment or self-employment.

5. Can I Use My ITIN Number to Get a Credit Score and Establish Credit?

   • Yes, ITIN holders can build credit by opening credit accounts like credit cards or loans. Make sure to work with lenders who report to the credit bureaus. A good credit history can improve your chances of obtaining an ITIN loan.

The team at Gustan Cho Associates can help you qualify and get pre-approved for a mortgage loan with an ITIN number.

• Research Lenders: Look for lenders specializing in ITIN loans, as they are more familiar with specific requirements.
• Improve Financial Stability: Demonstrate consistent income and a stable credit history.
• Seek Financial Counseling: Consider speaking to a financial counselor or mortgage broker who understands ITIN loans to guide you through the process.

Home staging is the process of preparing a home for sale by making it look as attractive and appealing as possible to potential buyers. The goal of home staging is to help buyers envision themselves living in the space and to highlight the home’s best features. Here are some key aspects of home staging:

1. Decluttering and depersonalizing: Removing excess furniture, personal items like family photos, and clutter to create a sense of openness and allow buyers to imagine their own belongings in the space.
2. Furniture arrangement: Rearranging and sometimes renting furniture to showcase the flow and function of each room optimally.
3. Deep cleaning: Ensuring the entire home is thoroughly cleaned, from windows to carpets, to create a fresh, move-in ready feeling.
4. Curb appeal: Enhancing the home’s exterior by power washing, landscaping, and making the entrance inviting.
5. Repairing and updating: Attending to minor repairs like patching holes and updating elements like light fixtures to give the home a well-maintained look.
6. Style and accents: Using stylish yet neutral decor pieces, fresh linens, pillows, and accents to give rooms an updated, model home appearance.
7. Staging vacant homes: For empty properties, staging companies bring in rental furniture and decor to make the space feel warm and livable.

Home staging aims to appeal to the highest number of potential buyers by making the home look its absolute best while remaining neutral enough for buyers to envision their own style. Studies show well-staged homes tend to sell faster and for higher prices.

Chic interiors and home staging are key elements in creating a stylish, inviting, and market-ready home. Whether you’re decorating for personal enjoyment or preparing to sell, understanding these concepts can make a significant difference.

Chic Interiors

Chic interiors are defined by their elegant, fashionable, and timeless qualities. Key elements include:

1. Neutral Color Palette: Soft tones like white, beige, gray, and black provide a sophisticated base. Accents in metallics, pastels, or bold colors can add personality.
2. Quality Over Quantity: Invest in high-quality furniture and decor pieces. Fewer, well-chosen items can make a bigger impact than cluttering the space with too many things.
3. Mix of Textures: Combine different materials like velvet, leather, wood, and metal to create depth and interest.
4. Minimalist Aesthetic: Keep spaces uncluttered and streamlined. Use sleek, modern furniture with clean lines.
5. Statement Pieces: Incorporate standout items like a designer chair, a piece of art, or a unique lighting fixture to add a focal point to the room.
6. Functional Design: Ensure that the design is not only beautiful but also practical. Furniture should be comfortable and arranged for ease of movement and conversation.

Home Staging

Home staging involves preparing a property for sale by making it appealing to the highest number of potential buyers. Key aspects include:

1. Decluttering and Depersonalizing: Remove personal items and excess furniture to make the space look larger and allow buyers to envision themselves living there.
2. Neutral Decor: Use neutral colors to appeal to a broad audience. This helps buyers focus on the home itself rather than the decor.
3. Furniture Arrangement: Arrange furniture to highlight the flow and function of each room. Create cozy conversation areas and ensure there’s enough space to move around.
4. Lighting: Use a mix of ambient, task, and accent lighting to create a warm and inviting atmosphere. Ensure all lights are functioning and rooms are well-lit.
5. Curb Appeal: Enhance the exterior of the home with fresh landscaping, clean walkways, and a welcoming front entrance.
6. Clean and Fresh: A clean home is more appealing. Pay attention to details like fresh paint, clean windows, and pleasant scents.

Tips for Combining Chic Interiors and Home Staging:

1. Focus on Key Rooms: Prioritize staging the living room, kitchen, master bedroom, and bathrooms. These are the areas buyers focus on the most.
2. Highlight Features: Use decor to draw attention to the home’s best features, like a fireplace, large windows, or architectural details.
3. Use Chic Decor: Incorporate chic elements like stylish throw pillows, modern artwork, and elegant lighting fixtures to elevate the overall look.
4. Update Strategically: Small updates like new cabinet hardware, fresh paint, and updated light fixtures can make a big impact without a significant investment.

Resources and Inspiration:

1. Interior Design Magazines and Websites: Publications like Architectural Digest, Elle Decor, and Houzz offer inspiration and tips.
2. Professional Stagers: Consider hiring a professional home stager for expert advice and hands-on help.
3. DIY Resources: Books, online courses, and DIY blogs can provide step-by-step guides to achieving chic interiors and effective staging.

By combining the principles of chic interior design with strategic home staging, you can create a beautiful, inviting space that appeals to both you and potential buyers.

I heard conflicting stories about DACA recipients being able to get access to government assistance programs to overcome financial barriers, particularly for down payments to buy a house in the United States. Is there such a thing as DACA FHA Loans. I know FHA loans offer lower down payment requirements at 3.5% at certain credit rating levels, compared to 5% for conventional mortgages.Are there non-QM loans available for DACA recipients?

As a diabetic, I can provide you with some general information that may be helpful. However, it’s crucial to consult with a healthcare professional for personalized advice tailored to your specific situation.

Managing diabetes involves making lifestyle changes that can help control blood sugar levels and reduce the risk of complications. Here are some general tips:

Healthy Eating: Focus on a well-balanced diet that includes a variety of fruits, vegetables, whole grains, lean proteins, and healthy fats. Limit the intake of refined carbohydrates and sugars. Pay attention to portion sizes to help control blood sugar levels.

Regular Exercise: Engage in regular physical activity, as it can help improve insulin sensitivity and control blood sugar levels. Aim for at least 150 minutes of moderate-intensity aerobic exercise per week, along with strength training exercises.

Weight Management: Losing excess weight, if overweight, can have a significant impact on blood sugar control. Work with a healthcare professional to establish realistic weight loss goals and strategies.

Monitoring Blood Sugar Levels: Regularly monitor your blood sugar levels as advised by your healthcare team. Keep a record of your readings to identify patterns and trends.

Medication Adherence: Take prescribed medications as directed by your healthcare provider. If you have concerns about your medications or experience side effects, discuss them with your healthcare team.

Stress Management: Practice stress-reducing techniques such as deep breathing, meditation, yoga, or any activity that helps you relax. Chronic stress can affect blood sugar levels, so finding healthy ways to manage stress is important.

Regular Medical Check-ups: Schedule regular check-ups with your healthcare team to monitor your overall health and make adjustments to your diabetes management plan as needed.

Quit Smoking: If you smoke, consider quitting. Smoking can contribute to complications associated with diabetes.

Remember, diabetes management is highly individual, and what works for one person may not work for another. It’s essential to work closely with your healthcare team to develop a personalized plan that meets your specific needs and circumstances.

• This discussion was modified 9 months, 2 weeks ago by  Gustan Cho.

Adam Kizinger, a congressman from Illinois accused for

Er President Donald Trump as being the worst President and most corrupt President in the history of the United States. Adam Kizinger and a dozen members of Congress has been branded Rhinos and the blacksheep of the Republican party for distancing themselves from Trump after the so-called January 6th insurrection and are considered heroes by the Democrats and globalist in the nation.

https://youtu.be/WpTel4DlOEs?si=Sh8AwQTvoRYyOW7K

So you’re in a restaurant, you order a nice bottle of wine, the server comes over, he/she presents you with the cork, and you’re a little bit embarrassed because you don’t know what to do. Don’t be embarrassed, in this video, I’ll tell you what to do!

https://www.youtube.com/watch?v=SH3MNDIpQRc