How to find active builders and spec builders. One way is to go to realtor.com choose a large city go to filters, click home age no min, and less than 1 year. this should list the new construction homes. Get the addresses, the agent usually doesn’t want you speaking with their client. However call the agent anyway and let them know that you can help their builder to build more homes and sometimes they will introduce you. If not then do a google search for parcel search using the city, or county and state. Usually they have a gis map and you can use this to locate the owner and the address of the owner, where you can further search and get a cell phone. Realtor.com is a great source to see who is building where and at what price.

realtor.com

There are millions of secret facilities being built in all 50 states. We are talking 11 million plus secret facilities being built in all 50 states. These facilities are detention facilities. So what purpose does these detention facilities to house? Illegal immigrants? That’s a negative. You need to go back to the NAZI Concentration Camps. So who is quarterbacking all this? Is it Joe Biden Administration? Is it the Globalists? Mayorkis keeps on asking for more money to build secret detention facilities to build in all 50 states.

https://youtu.be/kkrQ8ZRsQ8U?si=cxxRRrSQXV9ktz_b

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

Viviani Fedelich is a star in the making. The team at GCA Mortgage Group and Lending Network LLC is proud to work with Viviani Fedelich. Viviani Fedelich is a role model and always goes above and beyond. Mark my words, Viviani Fedelich is a multi millionaire in the making. Attached is where Viviani Fedelich does her work and is Viviani think tank. Viviani is a commercial loan officer and a Business Development Manager at Lending Network LLC.

Gustan Cho NMLS 873293 of Gustan Cho Associates is able to do 75% LTV HARD MONEY LOANS IN UTAH. Based on the information available up to my last update, several areas in Utah have been considered promising for real estate investment. Here’s an overview of some potentially attractive areas:

Salt Lake City:

• Strong job market and economic growth
• Growing tech sector (“Silicon Slopes”)
• Diverse neighborhoods with varying investment opportunities
• High demand for rentals, especially near universities

Provo-Orem:

• Home to Brigham Young University and Utah Valley University
• Strong rental market due to student population
• Growing tech industry presence

St. George:

• Rapidly growing population
• Popular retirement destination
• Booming tourism industry

Ogden:

• More affordable than Salt Lake City
• Growing job market
• Outdoor recreation attractions

Lehi:

• Part of the “Silicon Slopes” tech corridor
• Rapid job growth
• New construction and development opportunities

Park City:

• High-end real estate market
• Strong vacation rental potential
• World-class ski resorts nearby

Sandy:

• Family-friendly suburbs
• Good schools
• Proximity to outdoor recreation

Draper:

• Growing tech presence
• High-income area
• New development opportunities

South Jordan:

• Part of the fast-growing “Silicon Slopes”
• Family-oriented community
• New master-planned communities

West Valley City:

• It is more affordable than some other Salt Lake suburbs
• Diverse population
• Potential for property appreciation

When considering real estate investment in Utah, keep in mind:

• Job market and economic growth in the area
• Population growth trends
• Rental demand (especially in college towns)
• Tourism impact (for short-term rentals)
• New development and infrastructure projects
• Local zoning laws and regulations
• Property tax rates, which can vary by municipality

Always conduct thorough research and due diligence before making any investment decisions. Consult local real estate professionals, property managers, and financial advisors for the most up-to-date and area-specific information.

https://gustancho.com/getting-pre-approved-prior-to-moving-to-utah/

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

gustancho.com

Getting Pre-Approved Prior To Moving To Utah

People planning on moving to Utah, GCA is a no overlay lender and non-QM broker. Can help getting pre-approved prior to moving to Utah

There is no doubt that Joe Biden is the worst President of the United States and one of the dumbest, if not the dumbest, human being ever to head the Oval Office. I can give you an overview of some of the economic policies and initiatives that were in place during the Biden administration up to my last update.

When Joe Biden took office as the 46th President of the United States in January 2021, he faced significant economic challenges, primarily due to the COVID-19 pandemic’s ongoing impact on the economy. His administration’s economic agenda aimed to address the public health crisis and support economic recovery.

Some key points of the Biden administration’s economic policies up to September 2021 included:

1. COVID-19 Response: Biden prioritized a comprehensive approach to combat the pandemic, including mass vaccination campaigns, expanded testing, and providing financial aid to individuals and businesses affected by the pandemic.

2. American Rescue Plan Act: In March 2021, the administration passed the American Rescue Plan Act, a $1.9 trillion economic relief package. This legislation included direct payments to individuals, extended unemployment benefits, aid to state and local governments, funds for COVID-19 vaccine distribution, and support for small businesses.

3. Infrastructure and Jobs Plan: Biden proposed an infrastructure plan that aimed to invest heavily in infrastructure projects, such as transportation, broadband, and clean energy. The proposed plan also sought to create jobs and boost economic growth.

4. Tax Policy: The Biden administration proposed raising taxes on corporations and high-income individuals to fund various social programs and infrastructure investments. The goal was to address income inequality and generate revenue to support government initiatives.

It’s essential to remember that the economy’s performance is influenced by various factors, including global economic conditions, geopolitical events, and other policy changes. Therefore, I recommend checking more recent sources to obtain an up-to-date and comprehensive assessment of the Biden economy as of August 2023.

https://www.trunews.com/stream/joe-biden-dreams-of-ice-cream-as-nashville-christian-school-children-are-dead

What do you think will happen if Kamala Harris picks Michelle Obama as her vice presidential runner mate? Old Joe will be 81 come November, do you really think he will run again. It ain’t gonna happen! Liberals control the west coast from San Diego to Seattle. Why place liberals in charge to continue control in these area plagued by homelessness and crime? They believe that housing is a “God given right and the government should furnish these homes. This is called “West Coast Liberaism.” California and Oregon lead the way with homelessness. Is their answer to supply homes to these people? Drug overdose is on the rise.

I love the west coast, I spent 24 years there, some areas are absolutely breathtaking. I watched as liberals gave everything away. When Arnie, the governator was in office, life was bearable. Gun violence is down due to stringent gun laws, the few people arrested for gun issues are moved through the courts and released through the liberal system. Oregon leads in mental health unawareness.

This is a possibility, I believe liberalism will hurt people more then help them. If the “West Coast Liberalism,” is allowed to spread, it will spread across the country like wild fire. Some states will never accept this form of government. Mostly Northen states and Southern states wont comply with the mandates, don’t mess with Texas! I read a story about a kindergarten school in Oregon installing condoms in both and boy’s and girl’s restrooms. Do we really want this?

Former Rio Arriba County Sheriff James Lujan, aged 60, was sentenced to three years in prison followed by one and a half years of probation after being convicted of two felony charges: aiding a felon and intimidating a witness. Lujan was found guilty of helping a former Española City Councilor evade police after a high-speed chase in 2017 and directing a deputy to conceal his actions. This conviction followed a retrial after an initial jury failed to reach a verdict. Lujan resigned from his position shortly after the conviction.

https://www.youtube.com/watch?v=ZP4gie6zVUA

“Extending professional courtesy” on a traffic stop typically refers to law enforcement officers giving leniency to other officers or individuals in related professions when stopped for traffic violations. This practice is somewhat controversial and varies widely depending on jurisdiction and individual officer discretion. Here are some key points regarding this practice:

What It Involves

Reasons for Extending Courtesy

• Professional Respect: Officers may feel a sense of camaraderie or mutual respect towards fellow officers.
• Understanding of Job Challenges: An appreciation of the stresses and risks associated with law enforcement might lead to more lenient treatment.
• Internal Policies: Some departments might have unwritten policies or cultural norms encouraging such leniency.

Ethical and Legal Considerations

• Fairness: Critics argue that this practice can undermine public trust in law enforcement by creating a perception of bias or unequal treatment under the law.
• Department Policies: Some departments explicitly prohibit extending professional courtesy to ensure all individuals are treated equally.
• Legal Implications: There can be legal risks if leniency leads to subsequent incidents or if it’s viewed as official misconduct.

Examples of Guidelines

Public Perception and Trust

• Transparency: To maintain public trust, many departments stress the importance of transparency and equal treatment in all enforcement actions.
• Accountability: Ensuring that all officers are held to the same standards as the public can help build community trust and accountability.

While extending professional courtesy is a practice rooted in respect among officers, it faces significant scrutiny due to concerns about fairness and public trust. Law enforcement agencies often strive to balance professional camaraderie with the need to uphold the law impartially. For more detailed information on this topic, you can refer to the guidelines and policies of specific police departments or legal analyses from reputable sources like legal journals and law enforcement ethics publications.

https://www.youtube.com/watch?v=QTcpAa1K4Ws

James O’Keefe an undercover journalist and former President of Project Veritas went on a date with a gay senior White House Cyber Security Executive Advisor confirming Dementia Joe Biden does have Dementia and is Senile. Also mentioned is Kamala Harris is not liked and not respected by staff members and senior White House advisors

https://youtu.be/UfAvM7c4Jz0?si=IES5sHCVpkDPrg7O

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.

Dan Bongino livid at Bill O’Reilly because Bill O’Reilly called Dan Bongino a fanatic because Dan Bongino said even Democrats don’t want illegal immigrants to vote. Look at Dan Bongino podcast. A lot of F# and MF BOMBS.

https://rumble.com/v52t19p-dan-bongino-destroyed-bill-o-riley-wow-.html

rumble.com

Dan Bongino Destroyed Bill O Riley wow 🤯

Tip/Donating (everything I do is free, so any tips are appreciated) https://www.givesendgo.com/theunshakeablepundit Truth Seeker in my Spare Time You Can Follow Me at: Telegram is my home base of Oper

South Dakota, located in the Midwestern region of the United States, has a diverse array of beautiful homes in its towns and cities. Some of the best places to live with picturesque residences include:

1. **Sioux Falls**: As the largest city in the state, Sioux Falls offers a mix of urban living and outdoor activities. It has many upscale neighborhoods with beautiful homes, like the historic McKennan Park district.

2. **Rapid City**: Known as the “Gateway to the Black Hills”, Rapid City is surrounded by breathtaking natural beauty. The West Boulevard Historic District showcases many beautiful historic homes.

3. **Spearfish**: Nestled in the northern Black Hills, this small city has an abundance of outdoor activities and is near Spearfish Canyon, a location known for its natural beauty.

4. **Deadwood**: This historic city offers a blend of modern living with an old western charm. Homes here have a unique architectural style and historic feel.

5. **Brookings**: Home to South Dakota State University, Brookings has a vibrant community with a number of beautiful homes, particularly in the historic districts.

6. **Pierre**: As the capital city of South Dakota, Pierre has many beautiful homes. With the Missouri River running alongside the city, some residences even offer waterfront views.

7. **Aberdeen**: This city is a regional hub and the third most populous city in the state. The historic districts, like Highlands Historic District, feature lovely homes with classic architecture.

8. **Hill City**: Known as the “Heart of the Hills”, Hill City is the oldest city in the Black Hills and has many beautifully designed homes amidst the forests and hills.

9. **Vermillion**: Home to the University of South Dakota, Vermillion has a rich cultural scene and an array of housing options, from historic houses to modern designs.

10. **Belle Fourche**: This small town is a rural, scenic paradise with the Redwater River flowing through it. Belle Fourche has many charming, picturesque homes.

Remember to visit these places personally and consider other factors like cost of living, education, employment opportunities, healthcare facilities, and community engagement while deciding where to live. Also, remember that “best” and “beautiful” are subjective terms, and personal preferences may vary.

Utah requires 15 NMLS hours to get a mortgage loan originator license. This extra 15 hours of NMLS CE is a one-time deal besides the 20-hour NMLS CE course required for loan officers. If you want to be a manager because you have a branch office or a mortgage company, you need to take an additional 40 hours of NMLS CE course and take a state Principal Lending Manager (PLM) four-hour PLM exam. The exam is for the state of Utah DRE/DFI and is over 200 questions. The issue is getting study materials with practice exams for the Utah Principal Lending Manager license is very difficult. I had to take the 40-hour UTAH PLM course two times because the class is only good for one year. I failed the Utah Principal Lending Manager license twice and I am scheduled to take the third time on Monday July 24th, 2023. I will keep you all posted.

“Best Rate: Call Now” “No Hidden Fees” “4% Interest With Our Lender.”

We have all seen the ads for mortgages. How do you know who to choose? Quicken Loans made everything sound so easy and appealing when refinancing, until you got the final documents and they overcharged you on closing costs. My wife and I had been shopping for a new home since last June. We found a great realtor who was honest and had our best interests in mind. Next was to find a lender; we did, but something came back negative on our credit report that couldn’t be disclosed. We were denied a mortgage, and this baffled us. We sent for credit reports over the next few months, but nothing was resolved. We applied again and had the same initial results at first. This time, we applied through Gustan Cho Associates. He noticed right away what the problem was. Instead of turning us away, he and his team worked diligently to get a resolution. It was a nightmare; we had a time share at one time and sold it back. The deed in lieu of foreclosure was documented. Somewhere, somehow, the time share listed us as a foreclosure. Gus sorted through everything and signed us with his company, and that was not an easy task.

Since Gus and I have become good friends, our love of dogs and fellow men has forged a friendship. Knowing I was a writer and knew a lot about food and wine, he asked me to help with his forum. I accepted since he had been so instrumental in our mortgage. Over time and in conversations, he explained his philosophy of business. I listened at first the best I could to all the topics about finance and loans, which were all Greek to me. He explained every step, and soon I began to learn.

His foundation is solid. After losing a fortune, gaining a fortune, and losing again, he learned the very first lesson. Try again! Einstein said, “The sign of a true idiot is someone who does the same thing over and over again with the same results.” Gustan had to reinvent himself. Gustan’s mantra is “failure is the best teacher.” When Gustan reestablished his mortgage business, he did what no other lender would do: he gambled on people with low credit ratings and gave them a mortgage and a chance at life. He cared about each person.

This was the start of building a new foundation. The first building block was trust. Although Gustan had trusted in the past and had been wrong, he continued to follow his heart through humanity. His philosophy was to believe in the people, not the process. The second building block was transparency. No confusion in contracts; everything is out in the open.

When my wife and I were looking at new homes, I called Gus and told him a builder was offering 4.5% on a mortgage, and he responded, “Be careful, Peter, there are a lot of hidden costs, and if they can offer you a better deal, take it.” Of course he was right; there were many hidden costs. Gus was looking out for me, the person.

Family values were the third building block. Belief in family and God may be the foundation for all of us. Honesty is another building block. Do not lie; it will only catch up with you later. Integrity is always important, as is doing the right thing. And I think the most important building block was having his workers, whom he calls his team, take ownership of the business. He has the respect of his team. Work smart and streamline; make everything clear and transparent.

Enjoy what you do, or don’t do it.

Make Cho your choice for a mortgage, Choose Cho!

Like to congratulate Dino Hasapis for earning the best Chicago Real Estate Agent Award for Chicago Area. Dino Hasapis always goes above and beyond for all his clients. Dino Hasapis not only treats his clients like family but he follows up after each closing and makes sure his clients have no questions and is Johnny on the spot if his clients needs a referral on the area his clients moved to. Dino is trusted, loved, and respected by his clients, family and friends. All of Dino Hasapis clients become his lifelong friend and family. Very proud of you my man.

https://www.facebook.com/share/tBBjMumuX8QdXJKn/?mibextid=oEMz7o

facebook.com

Dino Hasapis

I am both humbled and thrilled to announce that I've been recognized again by Chicago Association of Realtors as a top producer. I'm grateful for each and every person I have had the opportunity to...

Commission-income borrowers can qualify for a mortgage loan. John Parker NMLS 124935 authored this blog on commission-income mortgage guidelines:

https://gustancho.com/commission-income-mortgage-guidelines/

gustancho.com

Commission-Income Mortgage Guidelines

Commission-Income Mortgage Guidelines require all self-employed and 1099 income earners 2 years of self-employment income to qualify

I will start creating a comprehensive power point training program in GCA FORUMS for brand new loan officers, and dually real estate agents and mortgage loan officers. Becoming a mortgage loan originator can be extremely lucrative, with no limit on how much you can make. However, getting licensed and passing the national NMLS exam is the easy part. The real training starts with doing deals. Any newly licensed loan officers who have yet to have two years of full ti8m experience originating mortgage loans with a minimum of 20 million in production will need to be on a six-closed loan apprenticeship training program with a senior tenured licensed loan officer at Gustan Cho Associates. What this means is the newly licensed loan officer will get trained by an experienced GCA loan officer and take six loans from qualification to closing in order for them to become independent. The training program will be comprehensive and I will link blogs that were written to this section for reference.

If a deal is a cash-out refi, on a DSCR loan, you need to know the loan amount and LTV, credit score, zoning, term of the lease, nor credit scores, or how long the house has been owned, the price that was paid for the house. If this is a bridge loan short term, you need to know whether it will be a 25/30 year term house is a residentially zoned neighborhood, if it’s in a commercial zone, or a permitted or conditional use permit. All of these answers will determine the type of loan along with its term, penalties, and rate, and if we can use the rental agreement VS the rental appraisal supplement 1007 (the appraiser will also perform a rental market analysis report called 1007 if a 1004 appraisal is used). Need to know if it will be for the long-term agreement for the state-certified daycare. This information determines how we will see the house classified and what type of loan will be required. Just because the lease is in place does not mean the lease amount will be used to calculate the DSCR because 1007 will also give a number, and it’s the lower of the two.

If this is a house with a conditional use permit, I could require a rebuild letter from the city or county, and The DSCR would go off the Appraisal rental supplement.
Please note that the definition of debt service coverage ratio (DSCR) is net operating income divided by total debt service.

Greetings all, I have a commercial scenario, below are the details.  What rate could we offer?

commercial
refinance
in LA
on Westin
currently occupied to child care center
government program
DSCR is 1.49
building appraised for $1.2mn
$500k loan currently on property
mortgage she’s paying is $3500
income from child care center is $5400
good DSCR

You can email me at taylorgilmore86@gmail.com

Chicago is my hometown. I grew up in the Northwest suburbs of Chicago. There is no other downtown like Downtown Chicago that is as beautiful and has so many things to do. Chicago is the home of thousands of immigrants from hundreds of different countries. However, the thing that is fucking up this great city are the crazy Democrats and far left wing liberals with their asinine ideology. Need to get rid of the mice and cockroaches forever.

Are there any workers at Illinois tollway booths? I need to see which transponder works and which one does not but never seem to see anyone manning the booths at Illinois tollway booths. Whatever happened to them?

Need to sign up with wholesale mortgage lenders for government, conventional, and non-QM loans in the United States Virgin Islands. Also, need wholesale commercial lenders and hard money lenders for real estate investors in the United States Virgin Islands. Please contact us at Gustan Cho Associates at 262-627-1965 or text us for a faster response. Or email us at gcho@gustancho.com. We are forecasted to be a one plus billion dollar mortgage lender licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands. We do residential, business, and commercial loans.

Let me ask all of you something. How can a career politician with zero inheritance and zero business experience become multimillionaire after serving in public office with a maximum annual salary of no more than $200,000.

What is the role of the Federal Reserve Board? Who controls the Federal Reserve Board? Is the Federal Reserve Board a legitimate organization? Can the Federal Reserve Board print money? Does the Federal Reserve Board gift money to the elites? Why does the Fed Chairman Jerome Powell lie in front of national television about inflation and our bad economy?

Found that HUD does not guarantee FHA LOANS DURING CHAPTER 11 BANKRUPTCY REPAYMENT PLAN. WILL GET THIS FACT CHECKED.

There is an ample supply of qualified Borrowers ready for a loan Where your Commercial Bankers have just denied them. Start calling CRE bankers today. YES, Cold Call them.

• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.

Hard Money Loans at 70% LTV on investment properties non DODD FRANK. No residential property only investment properties and commercial properties. 75% LTV in Utah and Nevada
Check out our Commercial Loans threads

Wisconsin is one of 9 community property state. On FHA LOANS the spouse’s debts are included on debt to income calculations. Spouse’s debts are not included on conventional, VA, Jumbo and non-QM loans

What are the maximum debt-to-income ratio requirements to qualify for jumbo loans?