Americans are perplexed when they hear the mainstream media network and politicians announce the economy is doing great and we just had a soft landing. Joe Biden and his cronies such as Jerome Powell, Janet Yellen, Joe Scarborough, Jim Cramer, Chuck Todd, and other Democrats and far left liberals say What Inflation? The Economy is doing GREAT. Look at the stock market how high it is under the Biden Administration. We just had a soft landing. Look at the unemployment numbers and how low it is. All of these clowns are just big fat liars. You don’t need fake economic data and numbers. Unemployment numbers is not 3%. Inflation numbers is not 3%. Go to your nearest grocery store and look at the cost of groceries. Go get your cat repaired and see how much it costs. Go to McDonald’s and see how much a burger, fries, and soda is ($25 dollars easy). How much does it cost to feed a family of four? How much does it cost to care for your dog or dogs? How much does it cost to buy a car? Whether you like it or not, Americans need to face reality and face the facts they are being lied to by Joe Biden and the far left liberals. The dollar is not backed by any hard assets. The Federal Reserve Board is a money printing machine controlled by the Deep State, The Rothschild Family, George Soros, and the Globalists. How can career politicians like Joe Biden, Barack Obama, Bill and Hillary Clinton, Nancy Pelosi, and hundreds of politicians become multimillionaires without a real job or family inheritance. Impossible. Politicians and the deep state are stealing, lying, and printing money. They are not playing by the rules. Americans need to wake up and speak up. Americans need to voice their opinions and concerns. There’s no way we should have a commander in Chief of the United States of America who has stage six of dementia and has the nuclear code. Dementia Lying Cheating Joe Biden is a major liability for our country and is infested with corruption. We need to clean house. Expect a major stock market crash in the coming days, weeks, months. Expect a major real estate crash in the coming short term. The stock market and housing markets will plummet 50% to 90% or more. Expect a financial crisis worse than the 2008 real estate and financial meltdown. We should be ready for this correction so in two to three years we will have everything fixed under the leadership of President Donald Trump. The Federal Reserve Board will be destroyed and we will have a new monetary system backed by silver and Gold. We need to get Dementia Joe Biden and his cronies out of the White House and stop power hunger Jill Biden running the Executive Branch.

https://youtu.be/XMuRkDY1SRw?si=eWeZ0s8GS2JOBpKh

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

Like to introduce eveyrone to Rhonda Smith, a dually licensed real estate agent licensed in Alabama and an NMLS licensed mortgage loan originator at Gustan Cho Associates NMLS 2315275, a dba of NEXA Mortgage NMLS 166060. @Rhonda

Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates, a dba of NEXA Mortgage.

Rhonda Smith is a mortgage loan originator at Gustan Cho Associates, specifically licensed to operate in Alabama. Gustan Cho Associates is a well-known mortgage brokerage firm, part of NEXA Mortgage LLC, which offers a range of mortgage products and services across the United States.

About Rhonda Smith of Gustan Cho Associates

• Parent Company: NEXA Mortgage LLC
• Coverage: Licensed in 48 states, including Alabama.
• Specialties: The company is known for its expertise in handling loans that other lenders might decline, particularly due to their “no overlay” policy, which means they adheres strictly to agency guidelines without adding extra qualification requirements.

Services Offered by Rhonda by Rhonda

Gustan Cho Associates provides a variety of mortgage services, including but not limited to:

• Conventional Loans
• FHA Loans
• VA Loans
• USDA Loans
• Non-QM Loans: Including bank statement loans and asset-depletion loans for self-employed borrowers.
• Refinancing Options

Contact Information of Rhonda Smith

You can contact Rhonda Smith directly through Gustan Cho Associates for specific mortgage inquiries or to start the loan application process.

Benefits of Working with Rhonda Smith and Gustan Cho Associates

• Expertise: Extensive experience in handling complex mortgage scenarios.
• Customer Focus: Dedicated to helping clients find the best loan options tailored to their needs.
• Accessibility: The team, including Rhonda Smith, is available to guide clients through the mortgage process from start to finish.

Further Information on Rhonda Smith

For more details on the services provided or to contact Rhonda Smith, visit the Gustan Cho Associates website or the specific page for GCA Mortgage. This ensures that potential clients or interested parties clearly understand Rhonda Smith’s role, the services offered by Gustan Cho Associates, and how to proceed with mortgage inquiries.

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

The Federal Housing Administration (FHA) has recently updated its policies regarding gift funds for home buyers. Under the new update, donors providing gift funds for a buyer’s down payment are no longer required to provide bank statements. This change simplifies the process for those receiving financial assistance from friends or family members, making it easier to secure an FHA-insured mortgage.

Key points about this update:

1. No Bank Statement Requirement: Donors do not need to submit bank statements to verify the source of their gift funds.
2. Gift Letter: A gift letter is still required, which must include the donor’s name, contact information, relationship to the borrower, the amount of the gift, and a statement that no repayment is expected.
3. Documentation: Borrowers must provide documentation of the transfer of gift funds, such as a copy of the donor’s check and the borrower’s deposit slip, or a copy of the donor’s withdrawal slip and the borrower’s deposit slip.

This update aims to streamline the process for borrowers using gift funds, reducing paperwork and potential delays. For more detailed information, borrowers and lenders should refer to the latest FHA guidelines or contact their mortgage lender.

Joe Biden is expected to speak on his scheduled press conference at 530 pm EST. Joe Biden is in the fight of his life especially to show fellow Democrats he does not have dementia and is fit to run for reelection and be the candidate for the Democrats.

Never do another bank statement loan

Quontic’s Lite Documentation loan offers an easier, streamlined process.

• One-page P&L form for quick filing

• Loan amounts up to $3M

• Ideal for self-employed borrowers

Grow your non-traditional borrower business with Lite Doc today!

They also have link labeled for Realtors

https://www.quontic.com

California has 30 million passengers which costs $8 billion dollars to maintain the roads Californians drive. With so many Californians driving electric cars the gas tax money in California is drying up. California is now planning on taxing motorists 30 cents per mile to cover the shortage of the gas tax.

https://youtube.com/shorts/_UDPa2BMS1M?si=LgSyC2kW48ymueN_

Delaware, the home of the Cheater in Chief, Joe Biden, America’s biggest crime family. Other than the Imbecile cheating crook and his crime family, Delaware is a beautiful state. Delaware. the “First State” in the United States can indeed be a great place to raise a family, depending on what you’re looking for. Some benefits include:

1. Cost of living: The cost of living in Delaware is typically lower than the national average, especially when compared to nearby states like New York and New Jersey. Delaware also has no sales tax, which can help families save money.

2. Education: Delaware has a good mix of public and private schools. It also has a number of specialized charter schools and magnet schools, and the state has been investing in improving education.

3. Proximity to major cities: Delaware is located within a few hour’s drive of several major East Coast cities, including Philadelphia, New York City, Baltimore, and Washington D.C. This can provide a lot of opportunities for cultural experiences, employment, and travel.

4. Outdoor activities: The state has many parks, beaches, and trails, offering plenty of opportunities for outdoor recreation.

5. Safety: While it varies from place to place, many of the communities in Delaware have low crime rates and are considered safe places to live.

6. Community: Delaware’s population is relatively small, leading to a close-knit community feel in many of its towns and cities. There are frequent community events, farmer’s markets, festivals, and more.

As with any location, there are also potential drawbacks. Some people find Delaware to be too small or quiet, especially if they’re used to a bustling city environment. Moreover, while the state has been working on improving education, it still ranks in the middle of the pack compared to other states.

Before moving, it would be beneficial to research individual towns and cities in Delaware to find one that best suits your family’s needs. In general, though, Delaware has many qualities that can make it a good place for families.

I am not familiar with bank statement loans. Can you please explain how bank statement loans work.

Per U.S. District Court, bankruptcy filings in the United States is up 13% and surging higher. Inflation, high rates, and cost of goods and services are leading cause of unemployment and financial crisis among Americans.

https://www.uscourts.gov/news/2023/10/26/bankruptcy-filings-rise-13-percent

Homeowners with equity in their homes can buy out Chapter 13 Bankruptcy while in an active Chapter 13 Bankruptcy repayment plan by doing a cash-out refinance and paying off the bankruptcy early. HUD and VA loans allow for borrowers to qualify for FHA and VA loans while in an active Chapter 13 Bankruptcy with trustee approval and a manual underwriting. Here is a link to a new blog posted today.

https://gcaforums.com/buy-out-chapter-13-bankruptcy/

Here’s Under Pressure from David Bowie.

https://youtu.be/nbwn21TU4ec?si=3L1Cbs1WdNz_8qzy

Ever think about adding an e-commerce online online store to your website with AMAZON? PPC ads for generating traffic. Need keywords and special unique products. EBay, Shopify. Viral launch software or comparable e-commerce software. Amazon sba.

Primary owner-occupant homes, also known simply as owner-occupied homes or primary residences, refer to residential properties that are primarily occupied by the owner of the property as their primary place of residence. These are homes where the owner lives and resides, as opposed to properties that are primarily used for rental or investment purposes.

Key characteristics of primary owner-occupant homes include:

1. Residence of the Owner: The owner of the property lives in the home as their primary place of residence. It’s where they reside on a day-to-day basis.

2. Personal Use: The property is used for personal and family purposes rather than being rented out to generate rental income.

3. Potential Tax Benefits: In many countries, primary owner-occupant homes may qualify for certain tax benefits or exemptions, such as property tax reductions or capital gains tax exclusions when selling the property.

4. Mortgage Considerations: When financing the purchase of a primary residence with a mortgage, there may be different lending terms, interest rates, and down payment requirements compared to investment properties.

5. Homeowner’s Insurance: Homeowner’s insurance policies are typically used to protect primary owner-occupant homes and their contents.

6. Homestead Exemption: Some jurisdictions offer homestead exemptions, which can provide property tax relief or protection from creditors for primary residences.

It’s important to distinguish primary owner-occupant homes from investment properties, vacation homes, or rental properties. These other types of properties are typically acquired with the primary goal of generating rental income or capital appreciation, whereas primary owner-occupant homes are meant for the owner’s personal use and enjoyment.

A VA high-balance loan, also known as a VA jumbo loan, is a mortgage program offered by the U.S. Department of Veterans Affairs (VA) that allows eligible veterans, active-duty service members, and certain members of the National Guard and Reserves to purchase or refinance homes with loan amounts that exceed the standard conforming loan limits established by the Federal Housing Finance Agency (FHFA).

Conforming loan limits are the maximum loan amounts that government-sponsored entities like Fannie Mae and Freddie Mac will purchase or guarantee. These limits vary by location and are typically adjusted annually to account for changes in the housing market. In areas with higher housing costs, such as some parts of California, New York, and Hawaii, conforming loan limits may not be sufficient to finance homes in certain neighborhoods.

A VA high-balance loan comes into play when a borrower wants to purchase a home in a high-cost area and needs a larger loan amount than the standard conforming loan limits allow. The VA guarantees a portion of the loan, which allows lenders to offer favorable terms to veterans and active-duty military personnel.

Key features of VA high-balance loans include:

1. Higher Loan Limits: VA high-balance loans have higher loan limits than standard VA loans. The specific loan limits vary by location and are based on the FHFA’s conforming loan limits for that area.

2. No Down Payment: Just like standard VA loans, high-balance VA loans typically do not require a down payment, making homeownership more accessible to eligible veterans and service members.

3. Competitive Interest Rates: VA loans often come with competitive interest rates, making them an attractive option for borrowers.

4. No Private Mortgage Insurance (PMI): VA loans do not require private mortgage insurance, even for high-balance loans. This can result in lower monthly mortgage payments compared to some conventional loans.

5. Flexible Credit Requirements: While lenders have their own credit score and underwriting requirements, VA loans tend to be more flexible than many other loan programs, making it easier for some borrowers to qualify.

It’s important to note that eligibility for VA high-balance loans is subject to specific requirements, including military service history, discharge status, and other factors. Additionally, borrowers may need to meet income and credit requirements set by the lender.

If you’re interested in a VA high-balance loan, it’s advisable to contact a mortgage lender or broker with experience in VA loans to discuss your eligibility and explore the loan options available to you. Keep in mind that loan limits and program details may change over time, so it’s essential to get the most up-to-date information when considering a VA high-balance loan.

Dino Hasapis: Real Estate Broker at Compass and National Business Development Manager at Gustan Cho Associates

Dino Hasapis is a prominent real estate broker affiliated with Compass and holds a significant position at Gustan Cho Associates. Here are the details of his professional roles and contributions:

Dino Hasapis Compass Real Estate Chicago

Position: Real Estate Broker

Responsibilities:

• Specializes in residential real estate.
• Helps clients buy, sell, and invest in properties across Chicago and the surrounding areas.
• Known for providing personalized and strategic real estate services.

Gustan Cho Associates

Position: National Business Development Manager

Responsibilities:

• Manages and expands the Verified Preferred Realtor Partner Network (PRPN).
• Works closely with real estate professionals to enhance business growth and client satisfaction.
• Focuses on developing and maintaining strong industry relationships.

Contact Information of Dino Hasapis

Email: dinohasapis@compass.com

Phone:

• Mobile: 847-687-3056
• Office: 312-319-1168

Online Profiles

• Compass Profile: Dino Hasapis at Compass
• Zillow Profile: Dino Hasapis on Zillow
• LinkedIn: Dino Hasapis on LinkedIn

Key Highlights

• Experience: Over 13 years in the real estate industry.
• Sales Record: Proven track record with hundreds of closed sales and significant total sales value.
• Recognition: Recognized as a top producer by the Chicago Association of Realtors.

Services Offered

• Residential Real Estate: Assists with buying, selling, and investing in residential properties.
• Market Analysis: Provides detailed market analysis to help clients make informed decisions.
• Negotiation: Expert negotiation skills to ensure favorable terms for clients.

Summary of Dino Hasapis

Dino Hasapis is a seasoned real estate professional known for his expertise, strategic approach, and dedication to client success. His dual role at Compass and Gustan Cho Associates positions him as a key figure in the real estate industry, offering comprehensive services to meet diverse client needs. For more information or to contact Dino Hasapis, you can visit his profiles on Compass and LinkedIn.

https://gustancho.com/dino/

Precious metals are the best investments today. Here’s Fake President Biden’s zero cent coins from the U.S. TREASURY MINT.

A house in South Carolina follows a series of steps similar to buying real estate in many other states. Here’s a general outline of the process:

1. Assess Your Finances: Before you begin searching for a house, it’s essential to evaluate your financial situation. Review your credit score, calculate how much you can afford for a down payment and monthly mortgage payments, and consider additional costs like closing expenses, property taxes, and insurance.

2. Get Pre-approved for a Mortgage: This step involves approaching a mortgage lender to get pre-approved for a loan. Pre-approval will give you an idea of the loan amount you qualify for, which can help in your house search and make your offer more credible to sellers.

3. Find a Real Estate Agent: Engage a reputable real estate agent experienced in the South Carolina housing market. A skilled agent can assist you in finding properties that meet your criteria, negotiate with sellers, and guide you through the entire process.

4. House Hunting: Work with your real estate agent to search for homes that match your requirements and budget. Visit potential properties to assess their condition and consider location, neighborhood, schools, and amenities.

5. Make an Offer: Once you find a house you like, work with your real estate agent to draft a written offer to purchase the property. This offer will include the price you’re willing to pay, the proposed terms and conditions, and any contingencies you may have (e.g., home inspection, financing).

6. Negotiation and Acceptance: The seller may accept your offer outright, or they may negotiate the terms until both parties reach an agreement. Once you and the seller sign the purchase agreement, you’ll proceed with the home-buying process.

7. Home Inspection: After accepting your offer, conducting a home inspection is crucial. Hire a licensed home inspector to examine the property thoroughly for any issues or potential problems.

8. Appraisal and Financing: Your lender will likely require a home appraisal to ensure the property’s value matches the loan amount. Simultaneously, you’ll work with your lender to finalize your mortgage and complete all necessary paperwork for financing.

9. Title Search and Insurance: A title company will perform a title search to ensure no outstanding liens or claims on the property. Additionally, you’ll want to secure title insurance to protect yourself from any unforeseen title issues.

10. Closing: During the closing, you’ll sign all the necessary paperwork, including the mortgage documents and the deed. You’ll also pay the closing costs, typically including fees for various services, taxes, and insurance.

11. Possession: After the closing, you’ll receive the keys to your new home and officially become the owner.

It’s important to note that real estate processes can vary slightly depending on the specific area and local regulations. Working with a knowledgeable real estate agent and other professionals will ensure a smoother, more informed experience throughout the home-buying journey.

https://www.youtube.com/watch?v=4dMr8ki3sZE

Hartford-West Hartford is projected to be one of the hottest housing markets for 2023. What do you love about the area? Link to an interesting article below –

https://www.usatoday.com/story/money/personalfinance/real-estate/2022/12/07/hottest-real-estate-markets-2023/10837578002/

Southern Living just voted Athens Georgia the South’s best college town. Home to the University of Georgia, and their beloved mascot UGA the bulldog, Athens has it all. Night life, restaurants, a healthy economy and beautiful homes. If Athens is your home, what do you love about it? I would love some feedback from local realtors as well as residents.

https://www.southernliving.com/travel/georgia/athens-ga

There are mortgage lenders that have no overlays on VA loans. Lender overlays are higher lending requirements set by individual mortgage lenders above the minimum agency guidelines from the Veterans Administration on VA loans.

Veteran Class A Actor Kevin Spacey loses his house due to non-payment and got his Baltimore Maryland home foreclosed on. Kevin Spacey avoided bankruptcy up to today but may need to file in the coming weeks or months. Asked how much money he has, he replied NOTHING. There is a lot of talk, rumors, accusations, and news reports alleging Kevin Spacey being one of the most notorious child molesters and pedophiles in the world. Here’s a copy of a recent interview of Kevin Spacey and a reporter.

https://www.facebook.com/share/r/7TPvuyVjNncq12he/?mibextid=D5vuiz

facebook.com

#KevinSpacey breaks down telling #PiersMorgan he’s losing his home and is millions in debt. #trending #fyp #interviews #spacey #houseofcards #moviemagicwithbrian #foryou #foryourpage #foryoupage #movie #moviesmagicwithbrian #cinema #motionpictures | Movie Magic With Brian | movie.magicwithbrian · Original audio

#KevinSpacey breaks down telling #PiersMorgan he’s losing his home and is millions in debt. #trending #fyp #interviews #spacey #houseofcards #moviemagicwithbrian #foryou #foryourpage #foryoupage...

G-7 is supporting Black Rock buying World’s Infrastructure. The more land and real estate they buy, the more control Blackrock will have. Bill Gates, who is an outspoken supporter of human depopulation has started buying farm land in Arkansas and other states so he can get control of the nation’s food supply thereby controlling population in the United States. This is a disgusting act of malice because I think he’s planning on starving people to death.

https://rumble.com/v51svc4-neo-feudalism-g7-supports-blackrock-buying-up-worlds-infrastructure-to-make.html

rumble.com

Neo-Feudalism: G7 Supports BlackRock Buying up World's Infrastructure, to Make Rich Even Richer

Neo-Feudalism: G7 Supports BlackRock Buying up World's Infrastructure, to Make Rich Even Richer - POLITICIANS HAVE SOLD US OUT - BILLIONAIRES ARE BUYING YOUR FUTURE - 16,254 views • June 15, 2024 Geop

I am calling the next Supercar to skyrocket in value to be the 599 GTB Ferrari V12 supercar. The Ferrari 599 GTB Fiorano is a high-performance sports car produced by the Italian automaker Ferrari. It was manufactured from 2006 to 2012. The “599” in its name refers to the engine displacement, with a 6.0-liter V12 engine under the hood. The “GTB” stands for “Gran Turismo Berlinetta,” which is a term often used by Ferrari to denote their two-seater, front-engine, and rear-wheel-drive sports cars.

Key specifications of the Ferrari 599 GTB Fiorano include:

1. Engine: The car is powered by a naturally aspirated 6.0-liter V12 engine, which produces a substantial amount of horsepower and torque. The engine is known for its fantastic sound and delivers exhilarating performance.

2. Performance: The 599 GTB can accelerate from 0 to 60 mph (0 to 100 km/h) in around 3.7 seconds and has a top speed of approximately 205 mph (330 km/h).

3. Transmission: It typically comes with a 6-speed manual gearbox, although an F1 automated manual transmission is also available, providing paddle-shift capability.

4. Handling: The car features advanced suspension technology and active aerodynamics to enhance its handling and stability at high speeds. It has been praised for its balance and precision in corners.

5. Design: The 599 GTB Fiorano features a sleek and aerodynamic design, with distinctive Ferrari styling cues. Its front-engine layout gives it a long hood and a classic GT profile.

6. Interior: Inside, it offers a luxurious and driver-focused cabin with high-quality materials and various customization options.

7. Technology: The 599 GTB includes various technological features, including a modern infotainment system and driver aids to enhance the driving experience.

Please note that my knowledge is based on information available up to January 2022, and there may have been updates or newer models released since then. Ferrari often produces limited-edition and special variants of their vehicles, so it’s a good idea to check the latest information directly from Ferrari or a reliable automotive source for the most current details on their models.

https://www.youtube.com/watch?v=7VUN9-d9veY

My latest novella about racial tension in Gulfport, Mississippi in 1950s.

Any car people know what types of classic or exotic cars are great investments?

What are jumbo loans? How does it work? Which mortgage lender do you go to get qualified and pre-approved on jumbo loans?

Only 20 Lamborghini Reventon Ever Made. The Lamborghini Reventón is an iconic and extremely limited-edition supercar produced by the Italian manufacturer Lamborghini. Here are some key details and features about the Lamborghini Reventón:

Production: The Lamborghini Reventón was produced between 2007 and 2009. Only 20 units were made for customers, with an additional car (numbered 0/20) produced for the Lamborghini museum, making it one of the rarest Lamborghini models ever made.

Design: The design of the Reventón was heavily inspired by modern fighter jets, with sharp, angular lines and an aggressive, aerodynamic profile. The car features a carbon-fiber exterior, with a matte finish giving it a distinctive, stealthy appearance.

Engine and Performance: The Reventón is powered by a 6.5-liter V12 engine, producing 650 horsepower. This allows the car to accelerate from 0 to 60 mph (0 to 97 km/h) in just 3.4 seconds and reach a top speed of 211 mph (340 km/h).

Interior: The interior of the Reventón is a blend of luxury and high-tech features, with carbon fiber, leather, and Alcantara materials used throughout. The instrument panel is entirely digital, with two LCD screens displaying vital information in a format reminiscent of a jet cockpit.

Price: When it was released, the Lamborghini Reventón had a price tag of around $1.5 million, making it one of the most expensive cars at the time.

Legacy: The Reventón is often regarded as a precursor to the Lamborghini Aventador, with many design and technological elements influencing the latter model. Its rarity, performance, and design have made it a highly sought-after collector’s item.

The Lamborghini Reventón remains a symbol of Lamborghini’s commitment to pushing the boundaries of automotive design and performance, embodying the brand’s tradition of creating bold, head-turning supercars.

Here’s a video clip of the Lamborghini Reventon Lamborghini enthusiasts may find interesting.

https://www.facebook.com/share/v/qSgCMtdX1T1mHnEc/?mibextid=D5vuiz

• This discussion was modified 8 months ago by  Gustan Cho.

facebook.com

Too Good To Be True: Could This Reventón Be Real?! | Too Good To Be True: Could This Reventón Be Real?! | By VINwikiFacebook

Too Good To Be True: Could This Reventón Be Real?!

Are early 1970s C-3 Convertible Corvettes great investments.

Cheeseburger in paradise by the late Jimmy Buffet, no relationship to Mr. Bill Burger-King @Bill Burg is one of all time favorites.

https://youtu.be/jBsPZV14I-k?si=qGeMKkc52pY04ZHN