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, 9 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?

The team at Gustan Cho Associates are experts in helping borrowers qualify and get approved for non-qualified no income document mortgages. We can help borrowers without traditional income sources with our no-ratio mortgage programs. A credit score over 660 is required, as well as at least one tradeline open 24 months or more. Down payments and reserve requirements will vary.

There are a lot of scums of this Earth people in existence today. There are selfish people, liars, thieves, and people with no morals who are willing to take advantage of you any chance they can. However, the world 🌎 is not all bad. There are kind people who are not selfish with a good heart. Here’s a short video clip about generosity and kind hearted ♥️ people:

https://www.facebook.com/share/v/qyV4z4c42VZEPafk/?mibextid=Ls6BEq

• This discussion was modified 10 months ago by  Gustan Cho.

Climate change refers to long-term shifts and alterations in temperature and weather patterns, primarily driven by human activities. These changes can manifest over decades to millions of years and can result from natural factors as well. However, the current trend of climate change is largely attributed to anthropogenic factors. Here’s a detailed overview:

Causes of Climate Change

1. Greenhouse Gas Emissions:

   • Carbon Dioxide (CO2): Released from burning fossil fuels (coal, oil, natural gas), deforestation, and various industrial processes.
   • Methane (CH4): Emitted during the production and transport of coal, oil, and natural gas, as well as from livestock and other agricultural practices.
   • Nitrous Oxide (N2O): Released from agricultural and industrial activities, as well as during fossil fuel combustion.
   • Fluorinated Gases: Synthetic gases used in various industrial applications.

2. Deforestation:

   • Trees absorb CO2, and when they are cut down or burned, the carbon stored in them is released into the atmosphere.

3. Industrial Activities:

   • Emissions from manufacturing and energy production contribute significantly to the accumulation of greenhouse gases in the atmosphere.

Effects of Climate Change

1. Temperature Increases:

   • The Earth’s average surface temperature has risen, leading to more frequent and intense heatwaves.

2. Melting Ice and Rising Sea Levels:

   • Polar ice caps and glaciers are melting, contributing to rising sea levels.
   • This poses a threat to coastal communities through increased flooding and erosion.

3. Extreme Weather Events:

   • Increased frequency and severity of storms, hurricanes, and typhoons.
   • More intense and prolonged droughts and floods.

4. Impact on Ecosystems and Biodiversity:

   • Species migration and changes in the distribution of wildlife.
   • Increased risk of extinction for many species unable to adapt to changing conditions.

5. Ocean Acidification:

   • Increased CO2 absorption by oceans, leading to a decrease in pH levels, which affects marine life, particularly coral reefs.

Mitigation and Adaptation

1. Mitigation:

   • Reducing Emissions: Transitioning to renewable energy sources like wind, solar, and hydroelectric power.
   • Energy Efficiency: Enhancing energy efficiency in buildings, vehicles, and industries.
   • Carbon Sequestration: Planting trees and employing technologies to capture and store CO2.

2. Adaptation:

   • Infrastructure Resilience: Building infrastructure to withstand extreme weather events.
   • Water Management: Developing strategies to cope with changes in water availability.
   • Agricultural Practices: Adapting farming techniques to new climate realities.

Global Efforts and Agreements

1. Paris Agreement:

   • An international treaty aiming to limit global warming to below 2 degrees Celsius above pre-industrial levels, with efforts to limit the increase to 1.5 degrees Celsius.

2. United Nations Framework Convention on Climate Change (UNFCCC):

   • An international environmental treaty established to address climate change and its impacts.

• This discussion was modified 10 months, 2 weeks ago by  Gustan Cho.

There’s a lot of talk about how Democrats are trying to destroy America. What is the 16-Year Plan? How are the Democrats trying to destroy America 🇺🇸? Why was COVID created? How was coronavirus vaccine a weapon for human depopulation?

https://www.youtube.com/watch?v=9qw0fqiP1g0

• This discussion was modified 10 months ago by  Gustan Cho.

This question is for Michelle McCue. Alex and I have a disagreement on can a high school graduate qualify for a mortgage if they have a full time job after high school. I say yes because high school is treated no differently than college on the past two years of full time schooling . Please give us your take and guidelines on the loan programs. I have done loans for recent high school graduates.

• This discussion was modified 2 years, 1 month ago by  Gustan Cho.

Last week FED CHAIRMAN Jerome Powell announced interest rates will not be cut this year because the economy is in pace on recovering. Inflation has dropped but it’s slightly higher than the 2.0% target. Inflation is at 3% and unemployment rate is at 4 25% which means the economy in the United States 🇺🇸 remains strong. Jerome Powell keeps on lying on national television. The same is true with Joe Biden, Janet Yellen, and hundreds of Democrats on national television. Joe Biden is busy traveling the United States 🇺🇸 campaigning he is the Navy Seal of Fighting Inflation with his Bidenomics. Dementia Lying Cheating Joe Biden aggressively is lying that he took Inflation from 9% when he took office to under 3.0%. All of these clowns are just a joke. Have they not seen prices of goods and services? Ridiculously outrageous. Mortgage loan applications are the lowest in 30 plus years. These numb nuts are destroying America. We need competent politicians and not politicians who never held a job and have been leaching off taxyers for the past 60 years.

• This discussion was modified 10 months ago by  Danny Vesokie | Affiliated Financial Partners.
• This discussion was modified 10 months ago by  Danny Vesokie | Affiliated Financial Partners.

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

https://www.youtube.com/watch?v=XPBuOtUdm30

If this doesn’t imply my landscaper has ADHD, I don’t know what does. I had to hire a temporarily landscaper from a Craigslist ad to help me with mowing the lawn for $25 dollars for the job and this is what I get.

South Korean Global tech giant Samsung announced Taylor Texas will be home to Samsung’s U.S. semiconductor factory. The breaking announcement puts Taylor Texas on the global map.

https://youtube.com/playlist?list=PLnxykQ4xCbXu9EHcKzr0XqZioCz2CsDfI&si=mPANQR1Bv3ytMvAR

Who is this Anthony Fauci? Is he a medical doctor? Does he have a PhD? Does Anthony Fauci a real doctor? Is the information that Dr. Anthony Fauci worked for more than 50 years at the National Institutes of Health worked to manage U.S. public health crises, such as the HIV/AIDS epidemic in the 1980s, the West Nile Virus outbreak in 2009, H1N1, Ebola, Zika and Severe Acute Respiratory Syndrome (SARS), among others true? Did doctor Fauci was leading monster to have created and launched coronavirus and was in charge of developing the coronavirus vaccine to be used as a weapon of mass destruction? Did Dr. Fauci kill thousands of Beagle dogs to use them for lab testing purposes? Is Dr. Fauci a monster or a real doctor who wants to help people?

https://www.youtube.com/watch?v=KxwcdiX9dPI

• This discussion was modified 10 months, 2 weeks ago by  Danny Vesokie | Affiliated Financial Partners.

https://www.youtube.com/watch?v=ARClE4zCUl8https://www.youtube.com/watch?v=ARClE4zCUl8

A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.

When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.

I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.

I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.

When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.

I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.

I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!

DSCR mortgage loans require a 20% to 30% down payment. The down payment depends on the borrower’s credit score. The lower the credit scores the higher the down payment requirement on DSCR loans. There is no income tax returns required on DSCR loans.

• This discussion was modified 2 years, 1 month ago by  Eric Jeanette.

Jumbo loans are home loans that exceed the maximum conforming loan limit of $726,200. To be within the conforming loan limit is required to qualify for conventional loans. Any loans exceeding the 2022 conforming loan limit of $726,200 set by the FHFA are referred to as non-conforming loans or jumbo loans.

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