Fannie Mae and Freddie Mac are the two mortgage giants that set the agency mortgage guidelines on conventional loans. Conventional loans are often referred to as conforming loans. Conventional loans are referred to as conforming loans because the two giant government-sponsored enterprises (GSEs) will not purchase conventional loans on the secondary market if conventional loans do not conform to their mortgage standards.

Stepping Into an Honored Life

I am an old, wheel-worn pair of shoes that sit in a box in the back of a closet. I am just a reminder of days past. My owner takes me out of the box and slides his feet into me every so often. We aren’t going anywhere; he stares down at me like an old friend.

I worked manual labor for ten years, mostly concrete work. I am caked with cement and water. My leather is well worn; talk about an old comfortable pair of shoes. A good part of me built my owner’s house, my laces have been replaced dozens of times. I originally started out dark brown, but now I am more tan from the sun.

I have poured foundations, climbed high on scaffolds, and worked in the cold of winter until I began to crack. I never complained in the great heat of the summer when the temperature was over 100 degrees. I fought the rain during construction; although water-logged, I still worked. I gave comfort and support to my owner.

He is a good family man who cares for everyone. I can recall walking in 5K races for charity – who else would he wear except me!

When I was first purchased, I was young and inexperienced. I needed time to get broken in. In the beginning, I heard I was painful but mellowed as time passed. Over the months, we both adjusted to one another. My owner’s toes conformed to my length, his arches molded my shape, and his soles sat deep within me. I know all the bones in his feet. At times, I felt the entire weight of the world on me, yet I never wavered and stood tall. I never faltered, tripped, or fell. I am a living part of this man.

When my owner injured his ankle, I was there to help change my shape due to his limp, so he was able to continue working. His ankle was so swollen he could barely tie my laces, but we still continued to work.

I am often pulled out of the closet to perform the dirty job of working with cement or paving the driveway. This is not what I thought retirement was about. At times I am used for “dress up,” a game with his grandchildren, an honor, I suppose.

For some reason, I have been moved from my nice and cozy closet to the steps entering the house from the garage. My days may be numbered, or I may be put back to work.

When the grandchildren come to visit, they run to greet me. They have heard the stories of construction. Part of this new project will be a man-cave for the owner, adorned with his trophies and awards. I’m not sure what part I am playing in this new venture.

The new construction has started! I sit idly by, waiting for instructions. I am not being used, but I’m ready for work! Put me in coach; I’ve still got some life left in me. My owner bought a new pair of construction boots, and I am deeply saddened. They are black and shiny. The work continues with pouring a foundation, and I eagerly want to work, but no one needs me.

The work is done, the man-cave is great! A bookshelf is built into one wall that will display all the items near and dear to my owner. Some weeks pass, and a large cauldron is brought into the garage and placed alongside me.

I have no clue what it is here for. They pour some metal into the large pot and begin to heat the pot. The fumes are sickening, and I am worried I will be destroyed! I am placed inside; I can’t believe that this is my demise. After minutes in the pot, I began to sweat; the heat is unbearable. Finally, I emerge as a pair of bronzed shoes; I am not dead. The owner then places me on his bookshelf next to the bronzed baby shoes of his grandchildren. I have become immortal. The owner places a beautiful plaque next to me that reads:

“To my loyal friend. You stood by me as I built this life and family. It would never have been possible without you.”

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 had the pleasure of being one of the contributing writers.

Exeter, Olyphant just two city name that claim the best pizza. In fact Old Forge, Pennsylvania lauds as being the “pizza capital of the world”, along with kielbasa. I have eaten pizza all over Italy, John’s on Bleecker Street, Grimaldi’s in Brooklyn, Patsy’s in East Harlem. I even eaten pizza on a grill created by a culinary student from Australia, feta cheese and olives. Love them all! My favorite pizzas from Northeast Pennsylvania are: Angelo’s, Sabatatini’s and Arcaro and Gennel. Next time you are traveling through NEPA stop for pizza, and don’t forget the kielbasa.

I have been in the mortgage and real estate industry since 1998. I have been running my mortgage branch for over ten years. During my tenure, I have worked with hundreds of wholesale mortgage lenders. Out of the hundreds of wholesale lenders I have worked with and thousands of loans my team has closed, I find Equity Prime Mortgage the most efficient of all lenders I have worked with. Hands down, it is the best wholesale lender for government and conventional loans with no overlays. EPM is the only wholesale lender in the nation that serves the underdog: The best lender for FHA and VA loans with credit scores down to 500 FICO, manual underwriting, and helping countless families be able to purchase a home during Chapter 13 Bankruptcy payment plan without the bankruptcy being discharged.

My team has been working with EPM since 2018, and to this day, Equity Prime Mortgage remains our wholesale lender of choice. Out of 210 wholesale lending partners in our wheelhouse and network, EPM, hands down, is the best lender I have worked with, am working with, and will always work with. No other wholesale mortgage lender comes close. From our wholesale account representative to the disclosure desk and processing team, underwriters, closing department, and last but not least, the management and executive team, the professionals at EPM have been there for the customer and loan officers. I realized that not all wholesale lenders are alike.

Far from it. When you first deal with Equity Prime Mortgage, any loan officer and branch manager will find out it is no secret that the company has a solid foundation. This is due to the leadership at EPM. Any successful company running as smoothly as Equity Prime Mortgage is not by accident. It all starts from the top down, the rank and file. It is the people that make a great team. The combination of the great teams in a company makes it great. It is the leadership that makes a great company a greater company year after year. I am a firm believer in positive criticisms and not compliments. With positive criticism, you strive to get better. However, EPM has been a Godsend to our team and thousands of loan officers. The team at Equity Prime Mortgage is our silent, unrecognized heroes.

I wanted to share how much we appreciate everyone at EPM. Due to EPM, my team and I have grown exponentially year after year. We are now licensed in 48 states and growing year after year. Amazing is an understatement for the professionals at EPM. Fast disclosures, processing, and underwriting, excellent communication with all areas of the process from underwriting to the closing, and an account rep who is always there to answer a question or assist in getting the loan through. And some of the best pricing in the industry. I highly recommend Equity Prime Mortgage to anyone. If you own a mortgage company, branch manager, or loan officer, you MUST get approved to do business with EPM. I have been in the mortgage industry a long time, and it is obvious that EPM spent time developing their systems and used mortgage professionals in the development process. From the time of submission to issuing your own CD to drawing your own doc instructions, their systems make sense, are efficient, and, despite TRID, you can get loans closed in 30 days or less.

I would like to thank the support and ops staff, our one and only superstar account representative Christian, the processing and underwriting team, the division managers, the professionals who run the closing desk, upper management, and the owners. There are no words to express our gratitude for being our heroes in helping our borrowers, and their families make the dream of homeownership a reality. God Bless.

gustancho.com

Best Wholesale Mortgage Lenders For Non-Prime Loans

Gustan Cho Associates looks out for their borrowers by having strong relationships with the best wholesale mortgage lenders for non-prime loans

Manufactured homes are often better built and more functional than stick-built, ground-up, new construction-spec homes. In general, the cost of land and the acquisition of manufactured homes cost a fraction of the price of stick-built, ground-up new construction homes. You cannot tell its a manufactured home often times. Another great benefit of buying a manufactured home versus a ground-up construction stick-build home is that it takes less than half the time to build a manufactured home versus a ground-up new construction home. Buying a manufactured home and buying a ground-up, new construction-spec home are two different options with their own advantages and disadvantages. Here’s a comparison to help you understand the differences:

Comparing the Cost of Construction of Manufactured Homes versus Ground-Up New Construction Spec-Homes

Manufactured Homes: Manufactured homes are typically more affordable than ground-up new construction homes. They are constructed in a factory and then transported to the site, which can lead to cost savings.

Ground-Up New Construction Spec Home: These homes are typically more expensive because they are built from scratch on the property, and you may have more customization options.

Customization

Manufactured Home: While you can make some customizations to manufactured homes, your options are usually more limited compared to ground-up construction. You may have choices in interior finishes and layouts, but major structural changes can be challenging. Ground-Up New Construction Spec Home: You have more flexibility to customize a ground-up new construction spec home. You can work with the builder to choose materials, layouts, and finishes, tailoring the home to your preferences.

Quality

Manufactured Home: Quality can vary depending on the manufacturer and the specific model. Generally, manufactured homes are built to federal HUD (Housing and Urban Development) standards, which ensure a basic level of safety and quality: Ground-Up New Construction Spec Home: You have more control over the quality of materials and construction when building a new spec home, which can lead to a higher overall quality and durability.

Location: Ground-Up New Construction Spec Home: You have more flexibility in choosing the location for a ground-up new construction spec home, as you can buy a lot in various neighborhoods or areas. Manufactured Home: Manufactured homes are often located in manufactured home communities or on private land. The location may be limited to areas zoned for manufactured housing.

Resale Value:

Manufactured Home: Generally, manufactured homes tend to appreciate in value at a slower rate compared to traditional stick-built homes, which can affect resale value. Ground-Up New Construction Spec Home: Ground-up new construction homes often have better resale value and may appreciate more over time, especially if they are located in desirable areas.

Financing

Manufactured Home: Financing options for manufactured homes may be different from traditional mortgages and can have different terms and interest rates. Ground-Up New Construction Spec Home: Financing for new construction spec homes is typically similar to traditional mortgage financing, making it more straightforward for many buyers. Ultimately, the choice between a manufactured home and a ground-up new construction spec home depends on your budget, preferences, and long-term goals. Consider your priorities in terms of cost, customization, quality, location, and resale value when making your decision.

• This discussion was modified 1 year, 5 months ago by  Gustan Cho. Reason: Want to get notified

@RPE Johnny Joe. Gustan Cho asked me to reach out to you. I run a commercial loan officer business opportunity training school and have for the past twenty years. Gus is a very good friend of mine and he thought you and I may have mutual business interests and goals. Please reach out to me or let me know when you are available so we can see if Gustan is the real Nostradamas. I will tell you something about Gustan. He has been 100% right on all his forecast and not once wrong. Nice to meet you.

Is there God. Is God Real? Is God Good? The Ten Commandments. Who is our Creator? Adam and Eve. Jesus. What is Heaven? Hell? Who is Satan? Who created Earth, the sun, the moon. Life and death. What makes a person Good, Bad, or Evil. Many questions for nonbelievers.

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Sharing the gospel to an Atheist in Walmart! Pray for Him 🙏 By @zachary_impellicceiri #dailydevotional #dailydevotion #Godisreal #jesuslovesyou #christian #Christiancontent #christianreels #motivation #Inspiration #truth #instagramforchristians #TheChristiansDeck | The Christian's Deck | thechristiansdeck · Original audio

Sharing the gospel to an Atheist in Walmart! Pray for Him 🙏 By @zachary_impellicceiri #dailydevotional #dailydevotion #Godisreal #jesuslovesyou #christian #Christiancontent #christianreels...

Below are the subsidiaries with a partnership interest or interests in GCA FORUM’s parent company, Gustan Cho Associates

1. GCA Mortgage Group
2. Non-QM Mortgage Brokers
3. FHA Bad Credit Lenders
4. Mortgage Lenders For Bad Credit
5. Jumbo Mortgage Options
6. Preferred Mortgage Rates
7. Multiple partner websites and social media platforms

Anyone in the mortgage and real estate industry knows how complex and confusing it can be—especially the thousands of rules and regulations on traditional, non-QM, and alternative non-conforming mortgage loan programs.

Ed Why is the U.S. Currency becoming worthless? Why is the world no longer considering the U.S. Dollar the premium Currency of the free World? Why is the United States 🇺🇸 losing respect from the free world? Why is Joe Biden no respect and thought of as an idiot. Why is Kamala Harris not respected as the Vice president of the United States of America 🇺🇸. Why is Kamala Harris referred to as an idiot. What did Kamala Harris do that people around the world refer her as a slut and whore. Who is Big Mike? Why is Barack Obama referred to as gay? Is Barack Obama gay? Is Michelle Obama a man?

Opening business cards is not difficult. Here’s a step by step guide to Opening a business credit card.

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#1 Trick to Get Business Credit Cards WITHOUT a Business

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In my opinion, investing in a college education is a total waste of money and time unless you are going to college for a vocational education like plumbing, electrical, mechanic, engineering, computer, technology, or other job training higher education. Of course this doesn’t include going to college to become a doctor, nurse, dentist, teacher, lawyer, architect, mathematician, physicist, or other vocational education. Joining the military is the best education in the world or a junior college to train for a career. Look at this informative video from John Stossel about the College Scam.

https://rumble.com/v4y7h66-the-college-scam.html

rumble.com

The College Scam

Congratulations to the new college grads…. But Economist Bryan Caplan says FEWER people should go to college. Here’s why:

Business Directory on Great Content Authority (GCA FORUMS) is now live. Any member of GCA FORUMS with a business with a stellar reputation is welcome to list their business. Everytime a person buys or sells their home, they will need reputable businesses for their service such as movers, attorneys, stores, mechanics, restaurants, accountants, hair saloons, insurance agents, real estate agents, mortgage loan officers, dentists, doctors, chiropractors, veterinarians, landscapers, plumbers, HVAC shops, electricians, auto parts stores, hardware stores, grocery stores, gas stations, test centers, schools, specialty stores, general contractors, home builders, leasing agents, opticians, jewelry stores, pawn shops, cleaning service, gyms, auto dealerships, and other businesses.

Business directory listings offer several benefits that can help companies improve visibility, credibility, and customer engagement. Here are some key advantages:

Increased Online Visibility: Listing your business in online directories can enhance your presence on the web, making it easier for potential customers to find you through search engines and directory searches. Being in multiple directories amplifies your reach.

Improved SEO: Directory listings often include links back to your website. These backlinks can improve your website’s search engine ranking, leading to higher traffic and better organic search results.

Credibility and Trust: Being listed in reputable directories can enhance your business’s credibility, as customers often trust verified business directories. Reviews and ratings on these platforms can further boost your business’s reputation.

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Targeted Traffic: Directory users often have a specific purpose, which means the traffic directed from directories is likely to convert into leads or customers.

Mobile Accessibility: Many directories offer mobile-friendly platforms or apps, making it easy for mobile users to find your business on the go.

Competitive Advantage: If your competitors are not listed or are less active in directories, being present can give your business a competitive edge in terms of visibility and customer engagement.

Customer Engagement and Feedback: Customers can leave reviews and ratings on most directories, allowing you to gather valuable feedback and respond directly to improve your services.

Listing a business profile online provides several benefits that can help businesses attract customers and grow their brand. Here are three key benefits:

Increased Visibility: Online business directories and platforms significantly boost your visibility, making it easier for potential customers to find you. This is especially valuable if your profile includes crucial information like business hours, location, and contact details. When people search for businesses like yours in a directory, your profile will show up .

Improved SEO: Listing your business online can positively impact your search engine ranking. Directory listings and profiles often contain backlinks to your website, which search engines use to gauge your website’s credibility and relevance. Quality backlinks can enhance your SEO efforts, helping your business appear higher in search results.

Customer Trust and Credibility: An online business profile lends credibility to your business. Reviews and ratings left by previous customers offer social proof of your quality and reliability, encouraging new customers to engage with your business. Additionally, being listed alongside other established businesses in a reputable directory reinforces the legitimacy of your brand.

Maintaining a detailed and accurate business profile across relevant online platforms can help you connect with customers and distinguish your brand. Taking advantage of these benefits by actively maintaining directory listings can enhance your business’s digital marketing strategy and help reach your target audience more effectively.

Hello! I have a scenario from a non profit organization looking to purchase 12,400 sq ft. warehouse in GA and convert to temporary housing for working class, homeless individuals who will eventually become first-time home buyers. Sale price is $3.5 million, 75% LTV (25% down payment). Contact Cathy Willis for more details @ 708-668-8464.

Barndominiums are becoming more popular. Can you finance one with an FHA loan?

Check out this manufactured home. Many manufactured homes are better than stick built hones

https://youtu.be/_EoQhYsJ5kA?si=IjdTf2LswbJQXN_Z