https://www.youtube.com/watch?v=BzjnRYvtw20

From what I understand, average home prices in Los Angeles and Orange County California is $1.5 million. If a recent college graduate from University of California Los Angeles with a $80,000 a year salaried professional job and his fiance who is a registered nurse making $70,000 a year got married, can they qualify and get pre-approved for a mortgage to purchase an average 3 bedroom, 2 bathroom, one car garage house in either Los Angeles or Orange County, California? What will be a strategy for them to become first-time homebuyers. Are they priced out of the housing market? Do they need to rent? They each have a $800 per month car payment.

What type of down payment assistance mortgage programs are available in California.

Like to introduce you to one of the owners of Bari Beef headquartered in Elgin Illinois. Nick Favia is one of the owners of Bari Beef, the best Italian Beef in the country. I have sent Italian Beef from Bari Beef to my CEO Mike Kortas and President Mat Grella multi times and they love it. CEO KORTAS would have fired my ass if I sent shifty Beef. I sent Bari Beef to all our senior advisors at NEXA MORTGAGE and they all love it. I want to thank everyone at Corporate NEXA Mortgage especially Taylor Bradley, Aes, Kristi Wake, Rana Mortensen, Mat Grella, Miriam Montojo, Mrs. Edna Kortas, Mike Neill, and the the ultimate CEO Mike Kortas for everything they do for me and my team. Like to thank Counselor Wendy Lahn ESQ and Mr. Nick Favia for the great Bari Beef 👍.

How is the Wisconsin housing market forecast? How much is an average price of a house in Wisconsin? What cities in Wisconsin have the best bang for the buck on homes and the best school districts. How is home prices in Wisconsin compared to the rest of the nation. How is the economy and job market in Wisconsin. How is the cost of living and taxes in the state of Wisconsin. Is Wisconsin a good place to raise a family. Is is smart to relocate to Wisconsin from other states? What states are people moving from to Wisconsin. What are the best cities with the lowest crime rate and affordable housing in Wi a homebuyer from out of state should look at in Wisconsin. Wisconsin is a community property state. How will that affect homeowners? What is the cost of living, inflation, taxes, housing and renting, and last but not least, politics. I heard Wisconsin is a swing state. What does it mean? Will the state being a swing state affect the education and mental health of my young children and my wife?

I have a couple who want a cash-out refinance loan on an owner-occupied property that is completely paid off. However, they have a Chapter 12 bankruptcy that was discharged a little over a year ago. Has anyone else experienced this situation and have advice on potential options for them? Thanks!

I have learned recently that Venice, Italy, is charging 5 euros to gain entry to the city. The city has experienced a high volume of profit. There are peak times that they charge; there are 29 dates from April to mid-July, mostly holidays and weekends, between 8:30 a.m. and 4 p.m..

Realizing that nothing in Venice costs under 5 euros, including coffee, it’s not too expensive in the big picture. The profit so far is 2.43 million euros, or about 2.75 million US dollars. That’s a lot of espressos.

Some people asked, “Why should I pay an entrance fee to a city?” It wouldn’t fly in New York City; imagine putting a turnstile at all the various ways to enter the city. They actually do have tolls, which is sort of the same thing. The E-Z pass for bridges and tunnels entering the city is $11.00-$14.00, depending on peak hours. Chicago and San Francisco all have these tolls; travel is a curse. They charge to enter Disneyland and Epcot. The only advantage is that in Disneyland and Venice, you don’t drive. Trams in Disneyland, gondolas, and water taxis in Venice.

There is always a side hustle to these fees, and there is no way to escape them. If you drive or walk, you are charged. Parking at sporting events is so expensive that gas is taxed and relaxed.

Wouldn’t it be Utopia if there was a society that existed with no cars, no gas, no taxes, and no entrance fees?

Can anyone make a suggestion? Maybe artistic intelligence can answer this riddle.

How does FHA STREAMLINE REFINANCE LOANS WORK?

What is a cash-out refinance and how does it work?

Thousands of people in California are relocating to Arizona. How are housing prices in Arizona compared to the rest of the country?

Is it possible to become a first-time homebuyer in California? What is it with California that people want to live in that state? California has high crime rates, double the home prices than other states, high cost of living, high cost of goods and services, high regulations, and high unemployment rates. What makes people want to stay in California?

Once Joe Biden realizes he quit, he is going to be pissed off!

A “No-Ratio DSCR Loan” typically refers to a type of commercial real estate financing that doesn’t require the calculation or consideration of the debt-service coverage ratio (DSCR) for the property being financed. Let’s break down what this means:

1. Debt-Service Coverage Ratio (DSCR): The DSCR is a financial metric used in real estate lending, especially for commercial properties. It represents the property’s ability to generate enough income to cover its debt obligations, primarily the mortgage payments. The DSCR is calculated by dividing the property’s net operating income (NOI) by its total debt service (mortgage payments).

2. No-Ratio: When a loan is referred to as “No-Ratio,” it means that the lender does not consider the DSCR when evaluating the borrower’s eligibility for the loan. This can be beneficial for borrowers who may not meet the traditional DSCR requirements but have other strong financial attributes or unique circumstances that make them creditworthy.

In essence, a No-Ratio DSCR Loan is a type of financing option where the lender focuses less on the property’s income-generating ability and more on other aspects of the borrower’s financial situation, such as their creditworthiness or assets. This can be useful for borrowers who have unconventional income sources or situations that make it challenging to meet traditional DSCR requirements.

It’s worth noting that these types of loans may come with higher interest rates or different terms compared to loans where the DSCR is a critical factor in the lending decision. Additionally, they may be more common in certain niche or specialized lending markets. Borrowers considering such loans should carefully review the terms and assess the overall cost and risk associated with them.

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

How does OTC New Construction Loans work on Conventional Loans. What are the eligibility requirements for one-time-close new construction loans? What can you build with OTC New Construction Loans. What is the mortgage process on OTC NEW CONSTRUCTION LOANS? What is the down payment requirements, credit score guideliines, debt-to-income requirements, and what type of property can you build?

70% of Americans feel Joe Biden is mentally incompetent to run for reelection. This SUBFORUM is created so members can show Joe Biden caught on tape being senile and mentally incompetent.

https://youtube.com/shorts/uC272rKMvIA?si=z6wml_JssBFzJn9X

https://www.youtube.com/watch?v=RG1H-KkxwpQ

Here’s a FUNNY VIDEO of David Letterman pranking customers of a TACO BELL fast food franchise restaurant.

https://www.facebook.com/share/r/vcEu1JodEHY4cHHt/?mibextid=D5vuiz

facebook.com

From 1996 - Dave spends the day taking orders at the Taco Bell Drive-Thru. #davidletterman #letterman #lateshowwithdavidletterman #latenightcomedy #comedy #comedyreels #comedyvideos #funny #funnyreels #funnyvideos | Kevin | pumpkin.escobar13 · Original audio

From 1996 - Dave spends the day taking orders at the Taco Bell Drive-Thru. #davidletterman #letterman #lateshowwithdavidletterman #latenightcomedy #comedy #comedyreels #comedyvideos #funny...

Anyone in this forum community know about rent to own homes?

https://call.whatsapp.com/video/mshGWS1xau29UItoKIX3j3

• This discussion was modified 1 year, 3 months ago by  Sapna Sharma.

call.whatsapp.com

WhatsApp Video Call

WhatsApp Call Link

How does VA STREAMLINE REFINANCE LOANS WORK

What is the difference between a rate and term refinance, and an FHA and VA Streamline Refinance?

Do we love our pets too much?

Two-thirds of the people in the United States have pets. If they all voted, they would be the majority. This is a 138 billion-dollar business with nearly 40 million pets.

We treat our pets like members of the family; we have pet spas, pedicures, jewel-studded collars, and boutique hotels disguised as kennels. They are not family; they are animals, and I am one of those pet owners.

Years ago, animals stayed outside; barnyard dogs and stray cats were everywhere. Cats came and went whenever they wanted. Now we have scientific studies and biological proof of why we love our pets. Wounded Warriors has dogs available to vets because dogs understand. A dog will love you more than they love themselves, an unconditional love found nowhere else.

The problem with pets is that they never grow up; they remain children, and we treat them as such. Your pet animals get expensive, and we spend thousands of dollars to keep them alive and healthy. We wheel them outside to do their business and think nothing of it. When do we end their misery? Do we keep them alive because of selfishness?

When you decide to get a dog, or a cat, for that matter, it is a lifelong commitment. What happens when you decide that you made a mistake? Bringing the dog back causes psychological issues; the dog feels abandoned. Fido gave all of himself to you, and you abandoned him. The dog may have a problem with trust; all they want to do is love and please you.

I have had many dogs in my life; my current dog now is 12 years old, and I have sworn to him that I will be with him until his last breath. I know he is here for me until mine.

Lending Network, Inc. is the commercial lending division of Gustan Cho Associates headed by Gustan Cho. Gustan Cho is the President and Managing Partner of Operations of Lending Network, powered by NEXA Mortgage.

Lending Network, Inc., dually powered by Gustan Cho Associates and Mortgage Sensei, is a commercial financial services company that deals with various business, investment, and commercial mortgage loan products and lending solutions not offered by traditional banks and commercial financial institutions.

What Types of Commercial Loan Programs Does Lending Network Offer

Lending Network has a national reputation for being able to offer business and commercial loans that other financial institutions of business and commercial financial products cannot do. With the backing of the largest residential mortgage broker in the nation, NEXA Mortgage, it is easier to ask us what commercial loan program Lending Network does NOT do. We strive to live by our national reputation as a one-stop lending shop. Lending Network aims to give individualized monetary answers that cater to the distinct requirements of borrowers of business and commercial lending options, even if they do not fit into standard traditional commercial loan qualifications. For more information, please refer to their official website – http://www.lendingnetwork.org

• This discussion was modified 8 months, 2 weeks ago by  Gustan Cho.
• This discussion was modified 3 weeks, 4 days ago by  Sapna Sharma.
• This discussion was modified 3 weeks, 4 days ago by  Sapna Sharma.
• This discussion was modified 1 week, 5 days ago by  Sapna Sharma.

lendingnetwork.org

Page Not Found - Lending Network, LLC

Page Not Found - Lending Network, LLC

There are many conflicting questions and theories about who is Michelle Obama and what relationship is Michelle Obama to Michael Robinson? Is Michelle Obama Michael Robinson Obama? What does this mean for Barack Hussain Obama? Does this mean that Barack Hussain Obama is the first U.S. President married to a man? Or transgender? We need to have some transgender answers.

https://www.tiktok.com/t/ZT8x5ryLU/

The truth is that all of these loans still have the overlays of each lender, and it’s what the lender requires that matters. These SBA, HUD, USDA, and conventional loans are referrals; you only need to know some things. There are so many variations, exceptions, and special underwriting. Most nonrecourse loans still require personal guarantees; it is just that if the loan defaults, they will not come after your personal property unless there is fraud. Those carve-outs usually pertain to fraud. Fannie Mae often approves loans easier than Freddie Mac senior housing, student housing, affordable housing tax credit LIHTC usually has the highest LTVs. Often a non-profit will get 5% to 10% higher LTV. I will partner with these potential borrowers using my non-profit and HUD sponsorship status, taking 25% to 50% of the project.

Small balance loans from $1MM to $7 mm have an 80% LTV for apartments

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

My name is Wilson, and I’m an old leather baseball glove purchased in 1966 by my owner’s father for his tenth birthday. The joy I brought to that young boy was unimaginable. The gift was presented soon after the Baltimore Orioles beat the Los Angeles Dodgers in the 1966 World Series. Nothing made the boys’ dad more proud when the Orioles beat ‘Da Bums.” I was a tad stiff when I started out, but the constant pounding of a baseball into my pocket loosened me up. My boy would oil me regularly and keep me under his pillow when he slept.

The very next day after I arrived, I was taken to the sandlot to show off to all his baseball buddies. I was truly the center of the universe for the boy. Every day after school, my boy would run home and gather me up with bats and balls and head to the sandlot. I am made from cowhide, and my name, Wilson, is stitched on my wrist. My lacing is hand-sewn with all the appropriate knots. My outer shell is durable and can withstand all types of weather, while my inside is soft and cushioned. I can still feel the perspiration of my boy; his fingers were molded to the exact shape of my insides.

I thought for years my name was “I got it.” When ever a ball was hit to my boy, he would start to run in the outfield, and after a good chase, he would yell, “I got it!” So I called myself. “I got it, Wilson.” Each summer was always anticipated with great pleasure. I played game after game all season long, and even when baseball season was over, I was still playing against the garage. Always ready to play catch with my boy, his dad would join us and teach my boy all the rules of baseball.

We hung out all through high school, and I was always in his Baltimore Oriole duffle bag. We were both back out on the field after school every day, if not playing a game, just playing catch. Oh, how I miss playing catch. That was 1978, when he graduated high school and went off to college, but I didn’t make the trip, and here I sit.

I would be brought out occasionally when he got older, and he played softball with his pals when he came home. Softball is not the same; the ball is too big and heavy. I much prefer a real baseball. As the years passed, I was used less and less. I no longer slept with my boy, and at times I felt I was simply not of use to him. I was regulated to the garage, where I sit on the top shelf behind the Christmas decorations, far out of site. I hope some day I can be used again. I am ready to go in coach. Play me; don’t make me sit and gather dust. As time passes, now, after three years, I wonder my fate. I am old and stiff, probably riddled with arthritis. I wish my boy would oil me again; ah, it felt so good! Alas, my fate, oh, wait, someone is coming. I hear the garage door open. They’re walking towards me; they’re moving the boxes in front of me. Can it be freedom again? No, no, don’t walk away! It was the Christmas decoration they needed. One more holiday spent without my boy. It will soon be 1982, and he should be finished with college. Maybe when he comes home we can play catch agin if this old piece of rawhide will hold together with its tattered, leather lacing.

At last, great joy! My boy is home, and we can play catch! It has been years since he held me. Why isn’t he coming into the garage? Doesn’t he miss me? Oh boy, it’s Wilson. Remember me? Remember, “I got it.” Wait, here he comes. Finally, he is moving the boxes away. He’s coming for me. Please oil me; he’s walking away! He needed more Christmas lights for the tree. He did glance at me, didn’t he? I’ll wait; he will come for me.

Boy, am I getting dusty back here? My boy has been home for a year, and we haven’t played catch. He has forgotten me. I am so lonely; I wish I had a baseball to hold on to. I recall the first day he got me. Where is that magic? You showed me off to your friends; you carried me everywhere. You oiled me and kept me flexible. Now I am dried up and cracking, and that hurts. Whenever I cry, the cracks get worse. I must be used, or I will wither away.

I haven’t seen my boy in three years since he came home from college, not even a softball game with his buddies. I am so lost. Where do I belong? I remember kids talking about a hall of fame where special gloves, bats, and balls go when they are famous. I’m not famous; I never left Maryland. Someday I will be on the field shagging fly balls, feeling the summer sun on me. I miss the sweat from my boy. Here he comes again. I am not getting my hopes up high; I have been disappointed too many times in the past. Slowly, he moves the dozens of boxes of Christmas decorations. I am far in the back, and every year I get pushed further back. I hear him getting closer. “There you are, my old pal Wilson; I’ve been looking for you!” Looking for me, I have waited over ten years for you; this is where you left me. “ Gotta get you oiled and flexible again.” I’m being oiled!!! Horray! Finally, we can play catch. He is putting me in the car; where are we going? “Hey Wilson I have a surprise for you—someone new to play with.” I’m given a second chance to run around the outfield and scoop up ground balls at third base. Boy, oh, boy, baseball! Hurry up, I’m twenty-eight years old; that must be a hundred in glove years.

We entered what appeared to be his new home, much better than my last place. He walks over to a crib with a baby boy dozing. “Son,I want you to meet Wilson.” Slowly, the baby wakes up, and a smile is brought to his face. Oh, how cute. What’s that? You’re putting me in the crib to get to know the baby! This can’t be. He’s putting me in his mouth; he’s chewing my laces! Make him stop, boy, please! Suddenly, the baby throws me out of the crib. What’s that? You didn’t like the way I tast. I’m a genuine, 100% rawhide from a cow; a kid must be a vegan.“ Here, son, sleep with Wilson as I once did. Before you know it, you and I will be playing catch with Wilson. Soon after that, Wilson will be yours.” I have a new home, the boy’s boy! I will play catch, run down fly balls, and stop those nasty one-hoppers in the infield, and most importantly, I get to hear, “I got it.”

What are barndominiums? Barnominiums seem to be very popular and many homebuyers and second homebuyers are talking about buying barndominiums. One of the most significant negatives of purchasing a Barndominum versus stick built homes is the difficulty in financing. What are the lending guidelines of barndominiums.

Here is the link to WHY NEXA MORTGAGE ZOOM CALL EVERY THURSDAYS at 1 PM CEO MIKE KORTAS at 1 pm CDT

https://www.zoom.us/j/4802285442

Homeowners are often concerned what would happen to their property and the mortgage after the borrower dies. Here is a guide written on GCA Mortgage Group, Inc. about what happens to the mortgage after the borrower dies:

https://www.gcamortgage.com/mortgage-after-the-borrower-dies/

gcamortgage.com

Who Is Responsible For The Mortgage After The Borrower Dies

The heirs are responsible for the mortgage after the borrower dies. If the heirs do not settle the mortgage, the lender sells the property.

Rolling 30 Day Late Payments is when you are 30 days late on a credit tradeline but make timely payments but are yet behind. There is conflicting information about qualifying for a mortgage with a rolling 30 day late payment in the past 12 months. I will have our preferred wholesale mortgage account representative Christian Sorenson of Equity Prime Mortgage (EPM) answer his opinion about how EPM wholesale mortgage underwriters view 30 day late payments on government and conventional loans. VA LOANS, FHA LOANS, USDA LOANS and CONVENTIONAL LOANS. Christian Sorenson is hands down our number one wholesale lender. Equity Prime Mortgage is the best one stop mortgage lender in the nation and Gustan Cho Associates dba of NEXA Mortgage ranks EPM Mortgage as its top wholesale mortgage lender of choice. Like to thank Eddie Perez the President of EPM Mortgage for having the top mortgage professionals in his five star mortgage company.

• This discussion was modified 1 year, 5 months ago by  Sapna Sharma.