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.

I’m trying to create a business name that reflects my dual role as a real estate agent and mortgage loan officer in California. Since I operate individually and not as part of a team or a broker, I want to make sure the name is compliant with state regulations. Can anyone offer guidance on the legal requirements for selecting a business name in California, especially for someone providing both real estate and mortgage services?

What type of down payment assistance mortgage programs are available for first-time homebuyers in Illinois with 600 credit scores.

Sapna, Ravinder, Vanessa is a member of our forum. She is a lawyer and runs a law firm. Google will not allow to run Google Ads because her Google account is not verified. Can you please explain what she needs to do to get her Google My Business page verified so she can run Google Ads. Vanessa and her husband Nick are very close friends of Alex Carlucci.

What happened last week that mortgage rates are plummeting. The 30-Year Treasuries dropped to 3.8% which tanked mortgage rates on government loans from 7.0 to 6.0%. 30-year U.S Treasuries were as high as near 5.0% just a few weeks ago. Gold increased to over 2,500 per ounce which is a historic high. Silver did not follow gold prices because banks were short selling Silver like crazy because banks and the Globalists have a huge short position and are afraid of getting margin calls on their Silver short positions. What economic numbers came out that caused the financial markets upside down? Will mortgage rates continue to plummet? Will it be beneficial to refinance now? How about doing Streamline Refinance on FHA and VA Loans? If I do an FHA or VA Streamline Refinance loan, can I do another FHA Streamline or VA Streamline Refinance loan if mortgage rates drop again? What are rates on conventional loans?

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!

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.

The Old Man and the Chair

Every month or so I visit my ailing uncle in a nursing home on Long Island. He is the last living sibling of my mother. Alfonso is 91 years old, his memory is intact, but his body is failing. Just ask the nurses about Zio, he a regular Don Juan. His greatest joy when I visit is to wheel him out on the patio for fresh air, we reminisce about our family which are long gone, he asks of my children, but can’t remember their names, all is good with Zio Alfonso, I was named after him, my name is Al.

Every time we take the fresh air I notice an old man sitting off by himself in a make shaft rocking chair. He sits under this canapé, well not exactly, it is an old canvas tarp riddled with holes, and stares directly at the sky. The wind blows and the canapé flaps, I would find this mostly annoying having the wind in my face. The old man sits an stares for hours with a look of serenity on his face. His face is weathered like that of a man who worked outdoors, his hands were large and strong, they are calloused. His neck is broad and leather wore from direct sun. He appears to be about 90, when I ask my uncle about him, my uncle turns and says in his broken English, “pay no attention to him, he is an old fool, just sits and stares, and one comes to visit him.” My uncle lacked social skills and always had an opinion on everything. However, I paid the old man no mind as suggested.

Month after month I visit my uncle and see the old man, finally I had to ask the old man why he sits and stares. One day after visiting my uncle, who was nearing the end of his life, I got the nerve to ask him. I asked, “ why do you sit there old man?” He answered, “ this is my life now as I am an old man with no family, I sit and remember the past.” “Do you have any children, I queried?” “No,” replied the old man, “never had any, I was away from home most of my life and never settled down,” I thought how awful for the old man, alone and old. The old man said,” I am most content sitting and staring at the sky, I lost most of my eye sight some years ago from diabetes.”

I was intrigued, “ what was your occupation?” “I was a sailor,” he answered. “My home is the sea.” He went on and added, “ I joined the Navy at 16, fought in WWII, been sailing ever since.” Wow, I thought to myself, this guy is a living history book. “I long for the sea, the salt air, the wind that caressing my face, the burning of the sun on my neck, and the singing of whales.” “When was the last time you sailed?” The old man let go with a hardy laugh, some what similar to an old pirate. “ Argh, ha, ha, ha, its been maybe thirty years since I’ve sailed a schooner.” Now I’m thinking, a schooner is a small two masted boat. “Now, I just sit and feel the wind and listen to the flapping of the canapé, reminds me of the sails.” I said good bye and promised him when I returned to visit my uncle I would stop by and say hello.

The next month’s visit was saddened by the passing of my beloved Zio Alfonso. He had lived a long wonderful life, I soon realized that he was the last of the Italian immigrants arriving at Ellis Island over eighty years ago. I sat on the patio where I would wheel my uncle, I sat and stared, looking through the old man in the chair. When suddenly, someone yelled, “ hey, kid, I’m sorry about your uncle, come sit with me a while.” The old man in the chair sensed I was near.

“Why, thank you sir, he was the last of the elders.”

My Zio had left an inheritance for me, nothing big, I was his only close relative. Ten thousand dollars and a note that read, “ do something good for someone, or do someone something good.” He spoke in Yogi Berra-isms.

Never making sense at first, but eventually there were words of wisdom. I sat with the old man for an hour where I would sit with my Zio, on the back patio of the nursing home. The old man and I sat for hours never saying a word. When he suddenly said, “ would you please come see me time to time?” How could I possibly say no, he was lonely and I was still mourning my Zio. I reposted, “Certainly, maybe not every month but I will come visit with you, is there anything you need?” The old man though for a moment and said, “just a visit now and then.”

A month went by and I didn’t visit, I was feeling guilty, so the next Saturday I drove to the nursing home it was at the end of Long Island, Montauk. “Do something good for someone,” my Zio’s words resonated in my head. I had to make one stop before I visited the old man. When I arrived he was happy to see me and said, “ thanks for coming, I feel my end is near, it hasn’t been a good weak for me.” I spoke to the nurse, he was depressed and lonely. I asked the nurse if he could travel, she responded, “ only short distances with an aide.” Would he be able to take a quick ride over to the Montauk pier?” The nurse said as long as she went along.

The three of us hopped into one of the nursing homes’s van with the nurse driving.” Where are we going?”she questioned me. “Just to the pier as I winked my eye.” The old man was thrilled to be out and about. We pulled up the pier and we walked to the end, the old man knew he was close to the ocean as he inhaled deeply and sighed. I had rented a schooner for the day,” do something good for someone.” Yogi again in my head. I wheeled him to the bow and sat him in a fishing chair. As we slowly pulled away from the pier I could see the joy on his face. He finally had the wind in his sails, the sun on his neck and the seagulls were serenading him with the flapping of the sails. He quietly cried tears of joy.

When the sailing trip was done he thanked me for the wonderful memory and I promised to visit next month. The next month’s visit was my last, the old man passed away. The nursing staff said they had never seen him so happy during the last month. Before his cremation was scheduled I called the State Department to let them know of his passing. They said the Navy will depose of the his body. Three days later the United States Navy showed up with an entire fleet of sailors. He had been one of the last survivors of the USS Arizona in Pearl Harbor.

The old man in the chair was given a full naval funeral with a burial at sea in Pearl Harbor, where he now rests with his shipmates.

The state of California economy is on the verge of crash and burning 🔥. California Governor Gavin Newsom is one of the most incompetent next to Kamala Harris politicians in the WORLD 🌎. Newsom increased the minimum wage to $20 dollars per hour for fast food workers. Restaurant owners had to increase menu prices by 8% due to the labor laws of California. Next week, Gavin Newsom set up a secret council that will be voting on another 3% increase on wages on top of the $20 dollar an hour for fast food workers. Gavin Newsom’s bright idea backfired on the incompetent Governor because thousands of restaurant owners fired tens of thousands of fast food works. Thousands of restaurants also laid off workers and replaced them with robots and technology. Thousands of restaurants also went out of business or had to file bankruptcy. California’s ridiculous strict environmental and red tape in zoning and building codes is steering home builders and developers from building new homes. This is creating a shortage of homes and skyrocketing home prices making homes unaffordable. California is losing tens of thousands of residents and businesses Fleeing the state.

https://youtu.be/LyKN2pOP2qA?si=umZ5T9vf5gEbmGHK

We all know that tens of thousands of people are moving out to California. What are the biggest reasons people are moving out of California?

Dogs is man’s best friend and most people will validate this statement. Every dog has its own personality and is unique in their own way. For example, if a Labrador Retriever has ten pups, each of those pups will look similar and some may look identical where it’s hard to distinguish from one to another unless they have its own birthmark or unique characteristic. However, each one of those pups will develop their own personality and temperament as well as behavior. AMAZING how God created each living being to be unique with its own individual trait. On a macro level, breed of dogs has its own breed characteristics such as a dog having to always be a runner due to being a hunting dog breed or a dog loving water because it came from a Retriever breed. Toy dogs love to cuddle. Some dog breeds are easier to train than others. There are dog breeds that form the strongest bonds with their owners. Below is the list of dogs that form the strongest bonds with their owners.

1. Labrador Retriever

2. Golden Retriever

3. German Shepherd

4. Doberman Pinscher

5. Border Collie

6. Boxer

7. Austrian Shepherd

8. French Bull Dog

9. Yorkshire Terrier

10. Cavalier King Charles Spaniel

https://iheartdogs.com/top-dog-breeds-that-form-the-strongest-bonds-with-their-owners/

iheartdogs.com

Top 10 Dog Breeds That Form the Strongest Bonds with Their Owners

  In the diverse and enchanting world of dogs, certain breeds are particularly known for forming exceptionally strong bonds with their human companions. These breeds, with their innate loyalty, affectionate nature, and keen sensitivity to human emotions, develop deep connections … Continue reading

The housing market in Sarasota, Florida and its surrounding area is plummeting. After three years of skyrocketing values, homes in Sarasota, Florida are in major trouble. Home prices are expected to plummet 30 to 40% throughout 2024 into 2025. Home prices in Sarasota, County Florida increased 40% to 50% since 2019. The housing forecast of Sarasota Florida through 2025 is expected to wipe out all of the gains it gained since 2019. The housing market in Sarasota, Florida, has experienced several shifts in 2024. The median home price has seen a slight decline, with the average price for single-family homes around $548,000, down by about 4.7% from the previous year. This decline in prices presents opportunities for buyers, especially as the market has seen an increase in inventory and longer days on market​.

The average time a home spends on the market has risen significantly, from 26 days last year to about 50 days this year, indicating a slower pace in sales​. Additionally, the percentage of homes sold below the list price has increased, with many homes experiencing price drops before selling​.

Despite these trends, Sarasota remains somewhat competitive, particularly in the luxury market, which is driven by affluent out-of-state buyers looking for waterfront estates and island retreats​. However, the market dynamics are shifting towards favoring buyers more than in the past few years, given the increased inventory and slower sales pace.

For those considering entering the market, now might be a good time to buy, given the lower mortgage rates compared to last year and the slight decline in home prices. However, it is crucial to conduct thorough research and work with real estate professionals to make informed decisions​.

If you need more detailed insights or assistance with specific neighborhoods in Sarasota, professional real estate services can provide tailored advice and support.

https://www.youtube.com/watch?v=ssdINDr66Dw

I have three dually licensed real estate agents and mortgage loan originators who are the main breadwinners and need to produce. They are 100% commission and if they do not list, sell, or rent a house or commercial property they do not bring home a pay check. The mortgage industry has been no different and bleak. However, the chances are much greater for the dually licensed realtor and mortgage loan officer to concentrate on loan origination rather than real estate sales because they can cover much more distance. A loan officer does not have to drive a customer all over the city to show them a home. Loan officers can work remotely, over the phone, and out of state as long as the loan officers are licensed in the particular state. I know many loan officers purchased leads and SEO programs to no avail. Nothing but a waste of money and time. I have been talking to Viral Website Developers and am very interested in targeting keywords and buying Google Ads or work on blogs or content with the right keywords. Where can I get a list of keywords on government, conventional, and non-QM loans. I would appreciate the GCA technical and seo team if they can guide me the right direction because these folks do not have the money nor the time to get scammed by a fast talking SEO lead generation hustler. Thank you in advance.

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

Promotion of a forum requires the right kind of involvement as well as contribution to the community. Below are some tips that can help you promote a forum successfully:

Select Appropriate Forums

Find Your Niche: Look for forums within your niche and where your target market hangs out. For example, if you provide web design services; find web development, marketing, SEO among other web design focused forums.

Research Active Communities. Make sure that the forums are active with regular members’ engagement. An active board is likely to give positive results.

Join as an Individual

Know The Rules: Take time to understand how the forum operates including rules and guidelines so that you do not get banned for violating them.

Fill Out Your Profile: Include relevant information about yourself in your profile such as interests and expertise areas; this will help build trust among other participants who may want to engage further with you based on what they see there.

Create A Signature: Have links leading back into your social media accounts or even subtly linking back to own site through signature space provided by some sites if allowed thus promoting passively rather than being intrusive.

Build An Attractive Profile

Give A Detailed Description: Write down all experiences gained so far together with skills acquired during those periods which can be shared freely while helping others solve their problems hence gaining reputation points within such communities easily recognized by fellow members too since it shows one’s ability level when dealing different challenges faced daily either personally or professionally therefore giving more weightage towards answers given by such knowledgeable individuals compared against someone else without any background knowledge regarding subject matter discussed here today itself let alone its history behind it all up till now still remains undisclosed publicly because no one knows anything about everything except God Himself alone knows everything about everyone everywhere every time forevermore always only never sometimes ever

Be Transparent about Affiliations

Tell The Truth Always: Be honest enough disclosing any association with companies, brands or products lest somebody somewhere somehow discovers something somewhere somehow elsewhere anyhow sometime later in future then they might really feel betrayed because we failed to tell them everything from beginning till end concerning our involvement with various entities where certain goods were produced while representing ourselves as some kind of experts who knew much about those things when actually that was not true at all since there are many people around us even right here today who could easily expose such frauds committed by individuals like you me him her them whomsoever whatsoever wheresoever therefore let us always remain open minded even though it may cost us dearly financially but morally speaking this would save numerous souls including ours too

Add Value through Thread Contributions

Do Not Spam: Avoid posting just for the sake of promoting links. Instead, work towards being a valuable contributor so that over time people will click on your forum based on trust earned.

Contribute Meaningfully: Take part in discussions where necessary by giving useful insights related to what others have said already or sharing personal experiences which can help solve certain problems faced by different people either individually or collectively depending upon circumstances prevailing then and there thus adding more worthiness into such exchanges rather than spamming them needlessly with irrelevant stuff only designed purposely intended solely directed exclusively towards luring someone somewhere somehow into clicking somewhere else altogether thereby leading back home again after wandering away aimlessly without achieving anything meaningful throughout entire day except maybe earning another dollar bill if lucky enough not lose everything instead due bad luck following suit thereafter until bankruptcy knocks doors down left right center front rear side top bottom above below inside outside middle nowhere fast slow hard easy high low above beyond beneath beneath beside between beyond near far great small tall short thin thick wide narrow wide-ranging varying dramatically according several reasons many times frequently occasionally seldom once twice thrice four times five times six seven eight nine ten eleven twelve thirteen fourteen fifteen twenty thirty forty fifty sixty seventy eighty ninety hundred thousand million billion trillion zillion gazillion infinity number numbers periodality periodicities regularity irregularities heterogeneity homogeneity betweenness interconnection disconnectedness continuity discontinuity unity diversity different similar same other again and so forth etcetera et alia yada yada yada yadda

Ask & Answer Questions

Answer Questions: Seek out questions which can authoritatively be responded to from within the forum; this will help others see you as an expert thereby paying attention whenever they come across your profile or signature link since all along nobody knew anything about everything apart from God Himself alone knows all things about everybody everywhere every time forever always never sometimes ever

Ask Questions: Ask thought-provoking inquiries that are likely arouse curiosity among members thus making them start thinking deeply about particular subjects discussed here today itself let alone its history behind it all up till now still remains undisclosed publicly because no one knows anything about everything except God Himself alone knows everything about everyone everywhere every time forevermore always only never sometimes ever.

https://www.youtube.com/watch?v=3CGuTDp1jWc

Like to wish Alex, the three-legged Chicago Beast, Carlucci a Happy Birthday. Wish you a happy birthday, buddy.

Funny pug or Frenchie

Here is the link for XACTUS Credit Training. It used to be Credit Plus University Training but since XACTUS took it over, it is now called XACTUS CLASSES and WEBINARS

https://xactus.com/xactus-u-classes/

xactus.com

Xactus U - Classes

Our free online classes can be accessed by Xactus customers live each day or scheduled via appointment. We even offer customized training sessions by request.

Here is a comprehensive training program from Private Mortgage Insurance Company:

https://training.enactmi.com/

training.enactmi.com

training.enactmi.com

training.enactmi.com

Financing a new or used car typically involves securing a loan to cover the cost of the vehicle, which you then repay over a set period of time. Here’s a general process you can follow:

1. **Assess your budget**: The first step to financing a car is understanding what you can afford. This includes considering the monthly payments you can manage, as well as the down payment you can afford to make. You’ll also want to consider other costs, like fuel, insurance, maintenance, and registration fees.

2. **Check your credit score**: Your credit score will impact the interest rates you’re offered on a loan. The better your credit, the lower the interest rate will likely be.

3. **Compare pre-approval offers**: Before you start shopping, get pre-approved for a loan from various lenders. This will give you a good idea of what kind of interest rates and terms you can expect. Banks, credit unions, and online lenders can all be good sources for pre-approval.

4. **Choose your car**: Once you know your budget, you can start shopping for a car. When selecting a car, be sure to consider both the initial cost and the long-term costs of owning that particular make and model.

5. **Negotiate price**: Don’t accept the first price you’re given. Do some research on the car you want, negotiate the price, and be prepared to walk away if you can’t get a deal you’re comfortable with.

6. **Choose your loan**: After you’ve chosen a car and negotiated the price, you can finalize your loan. You can choose to go with one of the pre-approval offers you received, or you can see what kind of financing the dealership offers. Be sure to compare the interest rates, loan terms, and fees of all your options.

7. **Close the deal**: Once you’ve chosen your loan, you’ll close the deal with the lender and the dealership. This usually involves signing a lot of paperwork, so make sure you read everything carefully before signing. Ask questions if there’s anything you don’t understand.

8. **Make your payments**: Once the deal is done, you’ll start making payments on your loan. It’s very important to make these payments on time each month to maintain your credit score and avoid late fees.

Remember, when financing a car, you don’t want to stretch yourself too thin. Make sure you can comfortably afford the payments and that you’re getting a good deal on both the car and the loan.

Here’s how you can remember the number of days in each month:

– January: 31 days

– February: 28 days in a common year and 29 days in a leap year

– March: 31 days

– April: 30 days

– May: 31 days

– June: 30 days

– July: 31 days

– August: 31 days

– September: 30 days

– October: 31 days

– November: 30 days

– December: 31 days

Here’s a traditional rhyme to help remember this:

“Thirty days hath September,

April, June, and November;

All the rest have thirty-one,

Save February, with twenty-eight days clear,

And twenty-nine each leap year.”

Great Content Authority (GCA) FORUMS and SUBFORUMS is becoming increasingly popular and many keywords and long tail keywords is on all of the major search engines. Can you explain the explosive growth of GCA FORUMS in such a short period of time.

Lending Network, LLC offers hard money loans up to 70% loan-to-value in most states nationwide. HARD MONEY LOANS loan-to-value up to 75% in Utah and Nevada at Lending Network, LLC. per CEO Gustan Cho.

Hard Money Loans

Hard money loans are short-term loans secured by real estate. These loans are primarily used by real estate investors to quickly finance the purchase and renovation of a property, often to sell it for a profit (fix-and-flip) or refinance it into a long-term loan. Hard money loans are typically easier to obtain than traditional mortgages but come with higher interest rates and shorter terms.

Key Features of Hard Money Loans:

Quick Approval and Funding: Hard money loans can be approved and funded faster than traditional loans, often within days.

Asset-Based Lending: These loans are based on the property’s value as collateral rather than the borrower’s creditworthiness.

Higher Interest Rates: Interest rates on hard money loans are generally higher than those on conventional loans, reflecting the higher risk for lenders.

Short-Term: Hard money loans typically have terms ranging from 6 months to a few years, making them suitable for short-term projects.

Flexible Terms: Lenders can be more flexible with loan terms, allowing for tailored agreements based on the borrower’s and project’s specific needs.

Down Payment: Borrowers usually need to make a significant down payment, often around 20-30% of the property’s value.

Common Uses of Hard Money Loans

Fix-and-Flip Projects: Financing for purchasing, renovating, and reselling properties quickly for a profit.

Bridge Loans: Temporary financing until permanent financing can be secured or an existing obligation is removed.

Construction Loans: Funding for new construction projects or major renovations.

Land Loans: You are purchasing land to develop it in the future.

Pros and Cons of Hard Money Loans

Pros of Hard Money Loans

• Fast approval and funding
• Less stringent approval criteria
• Flexible loan terms
• Useful for time-sensitive projects

Cons of Hard Money Loans

• Higher interest rates
• Shorter loan terms
• A larger down payment is required.
• Higher risk of default due to shorter repayment period

Finding Hard Money Lenders:

Local Real Estate Investment Groups: Networking with local investors can lead to recommendations for reputable hard money lenders.

Online Directories: Websites and directories list hard money lenders by region and specialty.

Mortgage Brokers: Some brokers specialize in hard money loans and can connect borrowers with suitable lenders.

Steps to Obtain a Hard Money Loan:

Identify a Property: Find a suitable property for investment that meets the lender’slender’s criteria.

Prepare Documentation: Gather necessary documents, including property details, renovation plans, and a clear exit strategy.

Contact Lenders: Reach out to potential hard money lenders to discuss terms and conditions.

Property Appraisal: Appraising the property to determine its current and after-repair value (ARV).

Review and Accept Terms: Review the loan terms, interest rates, and repayment schedule, then accept the best offer.

Close the Loan: Complete the loan closing process and receive the funds.

Feel free to ask if you have any questions about hard money loans or need assistance finding a lender!

https://gustancho.com/what-are-hard-money-lenders/

• This discussion was modified 10 months ago by  Gustan Cho.
• This discussion was modified 1 month, 1 week ago by  Sapna Sharma.
• This discussion was modified 4 weeks ago by  Sapna Sharma.

gustancho.com

What Are Hard Money Lenders

What Are Hard Money Lenders? Hard Money Lenders are investors who lend money on real estate based on the asset rather than the credit of the borrower.

Feel free to post general discussion topics that have to do with real estate, mortgage, financing, investing, garage sale, exotic cars, pets, rummage sales, deals, services offered, classified, home improvements, lawn equipment, tractors, gardening, ponds, sales, cars, RVs, boats, entertainment, and anything that may interest our viewers.

No with former President Donald Trump getting convicted on all 34 charges against him, how is the conviction of President Trump going to affect the state of NEW YORK?

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 11 months, 2 weeks ago by  Gustan Cho.

Having your driver’s license in the 1970’s was the coolest time. All the muscle cars were available. Chevy SS, GTO, Camaro, Vets, Mustang and Firebird. All the GMC cars during this time had similar bodies. I guess my favorite was the Camaro. I remember when friends came back from Viet Nam, the Camaro was the car of choice. My first car was a 1964 Olds 44, a monster car, it cost me used $400 in 1971 and the Insurance $440 a year. Still I always dreamed of the Camaro.

As kids we worked on cars ourselves never going to a mechanic. We went to the auto store on 14th Stret and Avenue C in New York. One time my friend had a broken ball joint and his car sat in front of my building for weeks until we figured out how to fix it. I still dreamed of my Camaro.

Years passed and I never owned a Camaro, until one day at an airport I decided to rent a Camaro. I thought I was in heaven, finally I can drive the car of my dreams. There was one problem. The years that past added weight to my belly and I could not bend over easy enough to get in! I returned the Camaro with tears in my eyes and rented a mini van which was more suitable.

Can you merge multiple websites together into one new short URL. What are the benefits and negatives and how does it affect Domain Authority and unique daily visitors.

I like to explore an idea of starting an online message forum. General FAQ questions from the public so local homeowners or real estate investors can ask questions about home improvement. How can I go about creating one and who can I hire.

You can be the best of the best mortgage loan originator, mortgage sales manager, mortgage branch manager, or mortgage company owner but without customer leads, what good is it. You can be a doctor with the cure to cancer but if nobody knows about it, what benefit does it have to society. You can graduate from Harvard, Yale, or Stanford Law School and have interned for Supreme Court Justices and be the best litigator in the world but without clients, you will not make descent money and may be eating Ramen noodles eveyday. However, you ever see those commercials in the wee hours in the mortgage from ambulance chancer attorneys? The lawyers that advertise they can get you millions for your injuries? Well, most of those lawyers are law school graduates who barely graduated and took them three, four, five times to pass the BAR exam and get licensed. But those lawyers are the ones that are making millions because they know how to market. Whether from organic traffic from the search engines, paid Google Ads, or television infomercials, they are marketing genius and are reaping the rewards due to reaching out to their audiences. That is how organic traffic through Google and search engines is key for loan officers and real estate professionals.

In this eLearning FORUM, I will cover how I started my mortgage website and the learning curve of my website to go viral. I am now counting nothing but organic traffic for my team of loan officers and am able to help other loan officers interested in getting organic traffic for their loan origination business. Nobody helped me while I was growing my online mortgage loan origination business so I want to give the community back by sharing my road to learning on my own through trial and error. This eLearning Forum on how to generate organic traffic from the search engines will be a series on what I had to go through, the hurdles I encountered, and the challenges that I am still facing. I created an online business marketing platform through Viral Website Developers and the Great Content Authority FORUMS (GCA FORUMS) where me and my digital marketing and technical team can offer a few select mortgage and real estate professionals a pilot program to expand my business model in an expedited system where you are able to get organic leads without paying in a fraction of the time it took me. When I first started my career as a full time mortgage loan originator, in April 2012, I tried everything possible to get leads. I cold called realtors, accountants, financial planners, and attorneys. Nothing gave me instant gratification so I explored buying leads. The very expensive leads were successful but cost $500 to $1,000 per lead. I could not afford that kind of money, therefore I purchased dollar leads. Boy was that a clustermess and stressful. I was calling these dollar leads to get yelled at from people without jobs and 400 credit scores getting called loser, get a real job, and many other humiliating names. I decided I wanted to be like Zillow and develop my own website. I created my own website on January 3rd, 2013 and went to work. I purchased my domain from GoDaddy and had a website company create a mortgage website with my newly purchased domain. To this date, I have never purchased a mortgage lead since I created and launched and started my website on January 3rd, 2013. The reason I started my website.

I did not know much about technology nor generating organic leads to originate loans. However, I set my mind that was what I wanted to do and started on my journey. I hired multiple so called SEO experts and none were successful. These so called SEO experts are nothing but fortune tellers and normally just want your money the only thing they are great at is talking out of their ass’s. From the time I created and started my website, I must have re-started my website from scratch at least 20 times or more. I knew that content was king so I started with posting content seven days a week. One thing I did not realize was that duplicate content was penalized by Google and the search engines. I then had to scratch all that and trash whatever I posted and get back to the drawing board. I started writing original content and my website started getting some recognition from Google where after six months I was getting a few leads a week where I was able to originate two to three loans a month. It started to work. I did not have a team and all I needed was a few loans a month to make a living. Religiously, I was posting new content daily and my organic unique daily visitors was increasing. During the tenure of owning and operating my website, I always seeked help, hired free lancers, and sought ways of improving daily unique visitors to my website. One thing you need to realize is that nobody will help you increase organic traffic because they consider you as competition. I will go over step by step on my mistakes and the process on developing how I am able to have a team of loan officers, support, operations, and marketing staff from mainly having a large online presence with digital media marketing and social media platform. I will discuss what Viral Website Developers has to offer. We are not website or online tool sales. We are open minded in partnering up with select mortgage professionals in expanding our online platform through Viral Website Developers where it will be a win win for our affiliates, subsidiaries, and partners. By learning what I have gone through, you can have your one-stop online mortgage business including organic lead platform in the fraction of the time it took me. It took me more than ten years to perfect my system. My team at GCA Mortgage Group generated $250,000 million dollars in 2021 with 14 states. The company we were in had high rates on government and conventional loans with only three non-qm wholesale mortgage lenders. 90% of the volume we did in 2021 were from organic leads from the search engines and we did not purchase a single lead. Now, we are at NEXA Mortgage since February 24th, 2022 with 48 licensed states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. There is not reason why team GCA Mortgage Group should not be able to generate one billion in annual production through branch provided organic traffic. We are hiring independent loan officers wanting to have their own branch, and select loan officers who want to be tied to a branch at GCA Mortgage Group. For loan officers who are either sponsored by a member of Gustan Cho Associates or are a member of our branch, you will have the benefits of learning our unique organic lead production system and become an owner operator of the one-stop shop mortgage platform. Stay tuned. We will cover more content on this topic.

I will continue this forum in the coming days.