Davey Jones was one of the most talented people and founder of The Monkeys . One of the classic songs he wrote was Day Dream Believer

https://youtu.be/3OnB7Qls5w8?si=Hfd_jhS3mb_rcm1N

What is a mortgage broker? What is the role of a mortgage broker? What is the difference between mortgage brokers and mortgage bankers? What is the difference between mortgage broker, mortgage banker, Full-Eagle Mortgage Banker, direct lender, correspondent lender, and mini-correspondent lender? How Do Mortgage Brokers Get Compensated? How do mortgage bankers get compensated? How do full-eagle bankers get compensated? How do direct lenders get compensated? How do correspondent and mini-correspondent lenders get compensated? What is yield spread premium? How do mortgage companies get compensated?

• This discussion was modified 7 months, 2 weeks ago by  Gustan Cho.

One hundred seventeen thousand homes in Florida are currently for sale, and many of these properties are owned by large corporations. Some homeowner associations (HOAs) for these properties are based in Texas.https://www.tampabay.com/news/business/2024/08/22/florida-homes-owned-by-corporate-investors-117000-counting/

tampabay.com

Florida homes owned by corporate investors: 117,000 — and counting

Experts say investors capitalized on the state’s population growth and minimal renter protections.

I have always wanted to own a German Shepherd dog. We have been renting for the past ten years and are about to close on a house. We have a small family, my wife, five year old son, and two year old daughter. I have heard so many great things about owning a German Shepherd dog and how easy they are to train and how great they are as protectors. How is it like owning a German Shepherd dog for a small family like ours. Much appreciated.

I often get asked about what it’s really like to live in Southern California. Sure, the traffic and cost of living come up a lot, and they’re worth considering. But there’s so much more to this area that makes it an incredible place to call home. Here are some of the reasons why I think Southern California is a great place to live:

1. The Weather Is a Major Perk

One thing I really appreciate about living here is the weather. It’s almost always sunny, and the temperatures are generally mild. If you enjoy spending time outdoors, whether it’s at the beach, on a hike, or just out in your backyard, the weather here makes that easy.

2. A Diverse, Vibrant Culture

Another thing that stands out to me is the diversity. Southern California is a mix of different cultures, and you can see that in the neighborhoods, the food, and the overall vibe of the place. It’s not just about where you live, but also about the variety of experiences you can have every day.

3. Endless Outdoor Activities

If you’re into outdoor activities, this place has it all. You’ve got beaches, mountains, deserts—all within a short drive. Whether you’re into surfing, hiking, or just taking a walk in a park, there’s always something to do, and the weather means you can do it pretty much year-round.

4. Plenty of Job Opportunities

The job market is strong here, especially if you’re in tech, entertainment, healthcare, or education. There are a lot of opportunities for growth, and being close to major universities and research centers only adds to that. It’s a good place to be if you’re looking to advance your career.

5. Quality Education

Southern California also has a lot of great options when it comes to education. Whether you’re thinking about schools for your kids or looking into higher education yourself, there are plenty of quality public schools, private schools, and universities to choose from.

6. Convenient Location

One thing I’ve come to really appreciate is how close everything is. You can spend the morning at the beach, the afternoon in the mountains, and still be back home for dinner. And if you need to travel further, the major airports are easily accessible.

Conclusion

Living in Southern California has its challenges, no doubt. But when you look at the big picture—the weather, the culture, the outdoor activities, the job opportunities, and the education—it’s easy to see why so many people choose to make this their home. These are just a few of the reasons I think it’s a great place to live.

https://www.youtube.com/watch?v=xPMa4YgZWNQ&list=UULFr4dNcNC6p1xJiLjdc6KoFA&index=16

https://www.youtube.com/watch?v=LdIy2GnYdwE

Can I Qualify For Mortgage After Multiple Bankruptcies?

Can we get a fha cash out refinance loan while in chapter 13 100% plan? We have 49 remaining monthly payments.

CAN I GET HOME LOAN WITH 580 FICO CREDIT SCORE? AND IF SO, WHERE CAN I GET APPROVED. MOST LENDERS WANT A 620 CREDIT SCORE.

Can an unsecured signature loan acquired 30 days before applying for home loan hurt my chances?

Can an unpaid medical bill that just went in to collections cause you to be declined for your FHA mortgage?

Can recent late payments be deleted off your credit report?

GCA FORUMS has created a YouTube and Rumble Video Channel to Streamline our Daily News Network and Podcast. The technical team at GCA FORUMS works around the clock on the backend coding, programming, and structuring, so we set apart from the competition. We will keep our viewers updated in the coming days and weeks. Stay tuned!

https://youtube.com/@gcaforum?si=KI5nGsyP_9bWBsUO

youtube.com

GCA Forum

GCA Forums – Powered by Gustan Cho Associates Overview and Summary: GCA forums are a community designed to help people inquire about mortgage loans and real estate. The site provides support, information, and resources to those who need them. Platform … Continue reading

Can i get MLO licensed in TEXAS if i have collection in my credit report and a letter saying well fargo is suing me?

I think the new Corvette C8 are AMAZING and look better than the exotic cars. Plus the Corvette C8 are priced reasonably unlike Ferrari and Lamborghini exotic sports cars. Can anyone who know corvettes explain the various trim and brands of Corvettes? For example, what’s the difference between 1LT, 2LT, 3LT, ZR1, Z06, Z08, Calloway Corvettes, Hennessey Corvettes, and other options of Corvettes as well as the price difference. What’s the available factory upgrades available and prices. What is the MSRP for regular and convertible C8 Corvettes. How many C8 Corvettes are made or will be made. Are C8 Corvettes good investments or will it deprecate like other mass produced cars. I would like specific details about C8 CORVETTES because I am interested in buying one.

I just joined and wanted to introduce what I provide: Unsecured funding for startups and established businesses. If you have clients that are having difficulty getting conventional funding for working capital, franchise fees, or any business purpose, please get in touch and we will more than likely have a solution for them. No collateral or down payment, no credit requirement for established businesses, monthly payments with rates as low a 9.00%, funds up to $500,000. Please call 301-495-8993 or email to lee@nextbizloan.com. Thanks!

Can non-conventional (FHA, VA, USDA) loans be securitized?

What are compensating factors and the importance of compensating factors in mortage lending?

What constitutes a mortgage loan application? How does the mortgage loan application work? What is an “application” that triggers an obligation to provide a Loan Estimate? What is the loan estimate? What are the rules and regulations on the loan estimate and how does the process work?

What are judgments? What are deficiency judgments? What are examples of judgments? Can you please run a few case scenarios how a derogatory or delinquent account turns in a judgment? Can I get a mortgage loan with a judgment? How do I clear up a judgment? Can I vacate a judgment? What are considered judgments? What are the four types of judgments? What happens if a defendant does not pay a judgment? What happens after a judgment is entered against you. What does a judgment for the defendant mean? What is a default judgment? How long is the statute of limitation on judgments? How can you resolve a judgment and get on the road to rebuilding your credit.

How Can I Get Rid of a 30 Day Late Payment

What Does Residual Income Mean On VA LOANS? How do you calculate residual income? What does residual income tell you. What is the formula for residual income for a mortgage. What does residual income affect?

I want to know how a lender credit from the mortgage lender works. I heard that mortgage lenders can offer a lender credit towards closing costs.

Property Tax Assessment Fraud Nationwide. Did the Jackson County Property Tax Assessor commit Property Assessment Fraud? Missouri orders Jackson County property tax rollback, sparking fears of budget shortfalls. What parcels are in Jackson County, Missouri? What role does a tax assessor play in determining property taxes? How do I get the extra money I paid in property taxes due to property tax assessment fraud?

https://youtu.be/sVGD2ccUiq0?si=hiyhLJZa3U-o5eyN

• This discussion was modified 7 months, 4 weeks ago by  Gustan Cho.

My 12 year old lab is getting a younger brother, a Doberman puppy. I have always believed in having two dogs for company, they understand each other. My old guy Amici will teach the new puppy Bullet all the habits of each family member.

Hi! My name is Amici! I’m a dog. I’m a Labrador Retriever, although I detest retrieving. I was born in New Orleans, a tough town, and then shipped off to Florida. I’m really a black mutt with a curved funny tail; I was also the runt of the litter, and no one wanted me. I also have a fleshy tumor on my neck. There were many strikes against me. First, I’m black; the second, I’m the runt, I don’t lick or kiss, but I’m friendly like my name. My parents found and adopted me just before I got the needle. I was so scared I stayed in the back of my cage shivering, just waiting for love. My future parents didn’t notice me in the back of the cage, but Andy their son, found me just when all hope was lost! Andy loves all animals. Boy, am I lucky.

They brought me to their house to meet another dog, Budaj. He was a beautiful boy dog, just like me! He was white and a pedigree, and he loved me. He taught me quickly about mom, dad, and Andy. Budaj did not like men! Everyone was afraid of dad, so I learned from Budaj to dislike men. I was taught mom was the only one for us. Although I learned that dad and Andy were great guys, Budaj lived for mom. Dad has a big booming voice that shakes the house because he sings. Mom can curse like a drunken sailor during hockey games, and all is fine; dad just whispers, “drat or darn,” and me and Buds, we run in fear. I’m not sure why, dad has never yelled at me or hit me. He taught me “please,” “thank you,” excuse me,” and I responded. Budaj just doesn’t like him; he hates Andy even more. I don’t know why. Budaj says to never, ever go down the hall to Andy’s room; it’s evil. I’m beginning to believe Budes has issues.

Andy is soft-spoken and a lover of all animals. I’ve seen him capture water bugs and release them outside, and dad, well, you can only imagine what he does; it’s not pleasant.

I’m am very lucky to have a big yard with a pool. I never swim; I hate the water. That’s right, a lab won’t retrieve or swim, and I really hate car rides, all that wind blowing. I enjoy chasing squirrels around the yard. We have bunny rabbits, but dad says we don’t chase them, so I don’t. I’m a good boy. I have many pet names I’m called, and I always answer; you never know, there might be a meatball waiting for me. They call me Amici, Mici, Coco, Peco, Sweebums, Meatball; I actually have seasonal names, Pumpkin, etc.

I’m being raised as Italian, Polish, and Ukraine; boy, they can cook! Meatballs are my favorite. When dad begins to make meatballs, I can hear the wrapping coming off the meat, and I am there to help dad any way I can! Pierogis, Kielbasa, Stuffed Shells, Chicken, and Bacon are my favorites. I have so much love from my family, and the best part is that they are medically trained, not dad though; he just cooks. My Aunt Janelle is a veterinarian! Dr. Aunt Janelle says my tumor is no big deal. Love, food, and healthcare, what more could you want! I have three beds to sleep in, and I sleep in all of them, on the rugs and on the tiles when it’s hot outside.

I cried so much the night that Budaj died. He was so young and my best buddy. It took some time to get over him, I remember everything he taught me, but I love dad and Andy. Since Budaj passed, I have been barking. Budaj didn’t bark much; he woofed when Andy was near. We sold the big house with the big yard, and we are looking for a new home. I bark at everyone walking by in our present home, especially UPS; I hate those brown uniforms. My yard is small, but I go on many walks. I’m loved and well cared for. However, when dad corrects me, I feel sad, but no problem. If I don’t like what he said, I walk into another room and rest, there’s always a bed handy.

My day is full. I mostly sleep and pretend I’m guarding something. I watch western movies with dad. He exercises as he watches television, but I’m just waiting for my next meal. Wherever I’m resting, I keep a keen ear to the ground if someone steals the refrigerator or tries to sneak snacks.

My parents were told I was three months old when I was adopted. They lied so they did not have to give me a worm test. They named me Noel to pretend I was born during the Christmas season. Well, I had worms, and I was seven months old. Poor dad had to keep Budaj’s crap and mine separated for two months until I was better. Boy, if that’s not real love. I’ll be nine years old sometime in July; we aren’t sure because they lied at the kennel; no one wanted me. No one wanted a black runt of a dog with a crooked tail and worms. I give unconditional love; I’m a dog; we all do! My mom and dad, and Andy choose me unconditionally to love me. Now I know what love really is about. I hope all pets could be adopted like I was, unconditionally.

I celebrate my birthday July 4th, and boy, oh boy, so many people celebrate my birthday with firecrackers, which annoy me. It’s good to be an All-American Dog!

years old sometime in July; we aren’t sure because they lied at the kennel; no one wanted me. No one wanted a black runt of a dog with a crooked tail and worms. I give unconditional love; I’m a dog; we all do! My mom and dad, and Andy choose me unconditionally to love me. Now I know what love really is about. I hope all pets could be adopted like I was, unconditionally.

I celebrate my birthday July 4th, and boy, oh boy, so many people celebrate my birthday with firecrackers, which annoy me. It’s good to be an All-American Dog!

Property taxes in Illinois is going through the roof. In Cook County, property tax assessor office announced property reassessment 41% which means property taxes in Cook County (the county the city of Chicago is in and the largest county in Illinois and largest county in Chicago and surrounding suburbs). I want to know if anyone with expertise in property tax assessments if Illinois have a property tax cap? Is there a maximum limit on how much property taxes can go up in Illinois? At what age do you stop paying property taxes in Illinois? How do I fight a high property tax reassessment by the county assessor’s office in Illinois? What does a 41% increase property tax assessment by the Cook County Assessors Office mean on my property taxes? Why do property value and property taxes increase? Are homeowners of Chicago and the Chicago suburbs see a big property tax increase? What if I cannot afford the property tax increase? How do I avoid paying property taxes in Illinois? How are property taxes in Illinois compare with the rest of the country? What is the difference in property taxes in Illinois between an owner-occupant home versus an investment home or investment property? I just watched a breaking news about Cook County Assessors Office increasing in the South and Southwest Chicago suburbs:

https://www.youtube.com/watch?v=o1Iv9H8JABA

I have a question I asked multiple people who are called expert loan officers and credit repair geniuses but I am getting conflicting answers. I want to know if a consumer needs to get his credit scores up for a mortgage to a 640 FICO. He has never missed a monthly payment and has perfect payment history the past five years. He has 10 credit card accounts with all of them maxed to the credit limit. Here are the credit card balances and credit card limit. His middlw credit score is currently 525. Question is what credit card should he pay down the balance to lower his credit utilization ratio. Should he start paying down the lower limit credit first or should he pay down the higher credit limit credit card first. Here is his credit cards, the balances, and the credit limit.

CREDIT CARD. BALANCE LIMIT

1. DISCOVER $498. $500

2. CAPITAL ONE. $470. $500

3. CREDIT ONE. $490. $500

4. SELF VISA. $1,500. $1,490

5. TRUMP CARD $4,000. $4000.

6. JOURNEY CARD $2,130 $$2,200

7. CREDIT PLUS $3,490. ,$3,500

8. BUDDY VISA $1,500. $1,600

10. MISSION LANE $1498 $1,500

Here are well trained dog video clips.

Home prices have skyrocketed between 2019 and today in 2024. You don’t have to be a rocket scientist or a genius to know what goes up fast generally comes down. Real Estate have always gone up over time and is considered a very safe investment. However, the safe investment part is that real estate generally goes up over time. Any investment that soars 100% or more over a period of five years will come down to make a correction. Here are the top states where Home Prices will crash in 2024 going into 2025. This is not saying that Home prices will remain low forever. However, due to the fast huge increase in Home prices in such a short time span, you will see a housing correction. It’s brewing now. High mortgage rates and high home prices is yielding high inventory, longer time on the market, price reductions, and sales prices substantially under listed market prices. Here are the top States you can expect Home Prices to CRASH in 2024 into 2025:

5. Washington

4. California

3. Colorado

4. Texas

5. Florida

Please watch the attached informative video clip:

https://youtu.be/bgwWJYEMsNw?si=ekT2NHaYvhfCrPnI