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

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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, 11 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 11 months, 3 weeks 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 1 year 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 11 months, 3 weeks 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, 3 months 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 11 months, 3 weeks ago by  Danny Vesokie | Affiliated Financial Partners.
• This discussion was modified 11 months, 3 weeks 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...