Are there corrupt cops? How could that be when the recruitment and hiring process of police officers include a thorough assessment of the police applicant’s background. Background investigation includes interviews of former and current employers, co-workers, supervisors, neighbors, classmates, and teachers. Background investigators of police officer recruits will check the candidates credit and employment backgrounds, criminal arrests and convictions, public records, and medical and psychological history records. Many law enforcement agencies will conduct written psychological examinations as well as an oral interview with a board certified psychologist. Other police agencies will have polygraph examinations as part of the background investigation process. Like many other professions, there are bad apples in law enforcement. Here are some videos of corrupt police officers caught on tape.

https://www.facebook.com/share/v/8rZBrhjnZ3sU7GQR/?mibextid=D5vuiz

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When Evil Cops Got Caught Red Handed | Mr. Nightmare | When Evil Cops Got Caught Red Handed | Mr. Nightmare #cops #police #thinblueline #lawenforcement #policeofficer #UK #usa | By BlackRoastFacebook

When Evil Cops Got Caught Red Handed | Mr. Nightmare #cops #police #thinblueline #lawenforcement #policeofficer #UK #usa

Lennar Homes are slashing their new home prices by 25% in 2024. CEO of Lennar admits their mortgage division is experiencing delinquencies and a higher number of debt to income ratio from consumers. Lennar Homes is America’s second largest New Home Builder.

https://youtu.be/6mmQ2TEoK-g?si=nj2aidmYgL_awc8N

What is a refinance home loan?

I live on a 7 acre property and did the final end of the year mowing today which I am not done. Started last Friday but my tractor broke down. Got my tractor back Friday and mowed for three hours. I spent 5 hours today and still have more than 10 hours at best. It normally takes me 8 hours to mow my yard by myself without doing trimming which I normally spread it out over 3 days over one week. If I hire a landscaper, it costs me $600. Here are some photos and videos.

Many people are getting diabetes. Diabetes is also known as a silent killer. Anyone explain the dangers of diabetes?

Do any of you have any idea or heard anything about where Mortgage Rates are headed or anticipate any form of correction?

. If Biden dies or gets impeached do we have to worry about this ding bat becing our President?Kamala Harris is being questioned by millions of Americans on her mental health state and her intelligence level. Is this idiot pretending to be dumb and stupid or is Kamala Harris a real idiot. Kamala Harris has zero brains 🧠 and seems this goof 🤪 is pretending to be a creature with a single digit IQ. Is this brainless moron the number 2 in charge of the United States? How humiliating to have this creature to represent the nation and be a power leader. The Imbecile in Chief. She has zero respect and is not a liked person in any way or form.

https://youtu.be/k7TCTQQWIZI?si=-hQw0rw-TbyD7SxJ

About time

Home prices in Chicago South Loop are plummeting. Sellers are lowering prices and offering incentives. This correction is continuing throughout the city and Suburbs. Expect the downturn to continue in Chicago and other cities. Stay tuned

I won’t be able to save for the down payment at least for another 5-6 months. However, I wanted to know were there other options to secure a mortgage with assistance or financing the down payment. I am ready to begin the process, but this is my hesitation.

I am in the middle of the loan process with Cross Country Mortgage Brokerage in Schaumburg. I get a condition that needs realtors, sellers, and my signature and is called FHA AMENDATORY Clause. I asked my loan officer at least 5 times what a FHA AMENDATORY Clause means. I get different answers every time . I asked a processor from the Walden street branch of the the Cross Country Mortgage branch and the processors tells me that I need to talk to my loan officer. She says she cannot tell me because only licensed loan officers are allowed to explain it. I then reseached Cross Country Mortgage and they had the worst reviews. I think nobody at the Walden street branch in Schaumburg Illinois knows what the FHA AMENDATORY CLAUSE is. Can someone explain to me what the FHA AMENDATORY CLAUSE IS and is it supposed to be a secret?

Many Mortgage companies are hurting. Mortgage rates are at 26 year highs, the Feds keep on increasing rates, inflation is out of control, home prices are increasing despite high rates and a weak unstable economy. Over half the licensed loan originators are expected not to renew their NMLS mortgage licenses for 2024. We will keep this thread going

Cameron LeClair just told me about their great rental financing program for first-time real estate investors and Donal Trump wannabees. Cameron is a wholesale account rep at The LENDER. The Lender has creative financing programs on non-QM loans. This month’s special at The Lender is Their No-Doc 25% down payment rental property financing program with no DSCR, no income verification, and no doc. It is like a hard money loan but non-hard money fees and LTV. First-time investors are allowed from $150,000 to $2 million. This month’s special is no points on rate, and only the borrower paid compensation at 1.5%. Contact Cameron LeClair at The LENDER. Here is a blog written by Dale Elenteny on investor cash-flow financing on rental properties:

https://gustancho.com/investor-cash-flow-financing-for-rental-properties/

gustancho.com

Investor Cash-Flow Financing For Rental Properties

Gustan Cho Associates offers the no-doc Investor Cash-Flow Financing For Investment Properties where we just underwrite the rental property

Does blood sugar spike due to eating rice every day?

How is the National Realtor Association ruling affect real estate agents making money especially buying agents. Thank you in advance.

Many homebuyers with less than perfect credit or marginal credit and/or income are afraid of entering into a real estate purchase contract in the event they get denied. However, mortgage lenders like GCA FORUMS MORTGAGE GROUP, powered by Gustan Cho Associates offers TBD Mortgage Approval, which is a full loan commitment issued by the underwriter with the exception of the subject property. Our viewers and borrowers get a lot of Frequently Asked Questions from homebuyers on how TBD Mortgage Approval works. Can you please detail the most FAQs on To Be Determined Mortgage Approval from consumers, renters, first-time homebuyers, and homebuyers with bad credit?

https://www.youtube.com/watch?v=xPMa4YgZWNQ&list=UULFr4dNcNC6p1xJiLjdc6KoFA&index=16

How do you get into a 1st time homebuyers program? And how do some people pay 0% down on a house being a first time homeowner?

Relocating to a new city, even within the same state,state, can be extremely challenging. Aside from pizza, Chinese food,and barbers, there are medical concerns. My experience has been as a retiree looking for medical, dental, and veterinary care, all can be scams so be careful.

Upon retirement, I received Medicare, not Medicaid; there is a big difference between the two. You have seen the commercials on television for private plans, which you may need an attorney to help explain. Social Security deducts about $100 or so each month from Medicare coverage. They offer HMOs and PPOs, depending on your needs. HMOs need referrals from their primary care doctor; you can’t choose your own specialty doctor. PPOs do not need any referrals, but it is more expensive. I moved from Tampa to Ocala, one hundred miles away, which put me in another network area. If I stayed with the basic Medicare program, I would be out of area for my present doctors, or what they now call healthcare providers. What a joke! I opted for the PPO to keep my current doctors. I will drive over 200 miles round trip to see my gastroenterologist and cardiologists; they are real doctors that actually listen to you.

Health care providers, which are not doctors but nurses. They have no six-year medical degree. They ask questions to determine how to treat you. You will always be put in a certain category. They provide health care based on numbers, not by diagnosis. You are a number.

Remember when the doctor made house calls? The doctor that delivered me, Dr. Violotti, made house calls until he retired. The medical field is controlled by insurance companies. If you need a life-saving medicine that is not approved by the insurance company, you are a royal screw.

Trulance was a medicine prescribed for me, a gastro medicine, for $500 per 20 pills. I sampled some, and it is a lifesaver for me. It will be generic in 10 years, I’ll be 81! Big Pharma is the greediest of all. They prefer to pay a nurse rather than a doctor. In 10 years, there probably won’t be doctors.

If you choose a PPO, you can get a cash allowance through CVS for $35 each month—stuff you really don’t need. We moved out of the area and forfeited this allowance and coverage for a month! We have no coverage until the first of the month.

When looking for a dentist, they are mostly run by big corporations. You visit a dentist; as I did two years ago, he wanted to remove my veneers; there were cavities, which there were not. They take X-rays and determine which root canal to do and which crown to put on, not to mention dental hygiene, which is a crook of shit. Then glance over your teeth. I quit smoking 10 years ago. When can I expect the stains to be cleaned? My projected cost was $12,000, but you can get work done slowly and pay accordingly. What they will do is remove my four front veneers and make me toothless until the work is hurried and I pay in full. The dentist has become a salesman, charging you for unnecessarily dirty work.

Some good advice I found is that there are always neighborhood sites that can lead you in the right direction, like a like a dentist, etc. A very useful tool.

2024 Democratic National Conventional Kicks Off Today Monday, August 19th, 2024. Tens of thousands of protestors were protesting the Democratic National Conventional overwhelming Chicago Police. DNC’s pro-Palestinian protests draw thousands in Chicago. Thousands of mostly peaceful pro-Palestinian protesters marched in Chicago on the opening day of the Democratic National Convention on Monday, in a show of anger against the Biden administration’s support for Israel in the Gaza war. Protesters breach fence line near United Center on 1st day of DNC with at least a dozen protestors arrested by Chicago Police.

https://www.youtube.com/watch?v=IF3g5SecXHg

• This discussion was modified 5 months ago by  Gustan Cho.

Can we get a fha cash out refinance loan while in chapter 13 100% plan? We have 49 remaining monthly payments.

Can me and my husband by ONE house each rent them out and then use that income to buy our forever home?

Can recent late payments be deleted off your credit report?

Can a gift of equity cover not just down payment/closing costs, but paying off an auto loan at closing to get my son’s DTI to qualify?

Can I get a mortgage for TWO single-family homes ONE year after chapter 13 discharge with 20% down and 733 credit score?

What is the purpose of TRID? What is TRID in the Mortgage Loan Process? What Are The Requirements of a TRID Loan? What Are The 6 TRID REQUIREMENTS? WHAT ARE THE RULES FOR TRID COMPLIANCE?

Population numbers in cities with high property taxes are decreasing. The populations of cities with high property taxes are dropping rapidly, as scores of homeowners are shifting to other cities where property taxes are lower. This is a key issue which needs to be recognized because it shows us important facts about our communities and housing markets. This phenomenon is happening in different parts of the United States too. Here’s an overview:

Tax Migration: The movement from high-tax areas to low-tax ones is often referred to as “tax migration” or “tax flight.”

Property Taxes: High property taxes act as one major driver for this trend; however, they usually come within the context of a wider high-tax environment encompassing income and sales tax.

Major Examples:

New York has had many people leave them recently due their state’s high taxation policy; Illinois (especially Chicago) has seen similar numbers go away over time because theirs are just too expensive; California also experiences significant outflows annually from those who can no longer afford living there.

On the other hand, states such as Florida or Texas which do not levy individual income taxes at all attract lots newcomers looking seek refuge away From these burdens; Tennessee falls into this category too

Scope: Each year tens-of-thousands leave large metropolitan regions alone – much less smaller ones like Buffalo NY or Cleveland OH – altogether accounting for millions across America each decade!

Implications For Cities: There could be urban decline if people keep leaving cities with higher taxes. City governments may earn less money and struggle with budgets.

Remote Work: With COVID-19 forcing companies into allowing employees work remotely full-time, more working individuals have been given an opportunity never before possible – move without switching jobs!

Cost Of Living Among Other Factors: Taxes definitely drive some moves but things such as cost living differences job availability climates etc also make up part or all motivation behind migration patterns

Political Representation & More: Political power will shift when enough people move out; economies will change too origin places get new businesses destination areas see theirs decline; housing markets could crash in former hotspots while booming elsewhere…

Policy Solutions: Some higher taxed areas are considering implementing new policies that will help them keep residents from leaving. They may reduce taxes or provide other incentives.

Complexity: Causes and effects of this trend can be complex and vary by region, but it is happening!

This shift in where people live is changing who represents them and how their cities are run. It could alter housing markets forever as well… There may be long-term implications for political representation, local economies, and housing markets in origination & destination cities alike.. That being said take into account each specific situation because what’s true here might not hold water elsewhere

https://youtu.be/yrNjUCmTURg?si=PoySl46rKGWN2-Ys

• This discussion was modified 6 months, 2 weeks ago by  Gustan Cho.

70% of Americans feel Joe Biden is mentally incompetent to run for reelection. This SUBFORUM is created so members can show Joe Biden caught on tape being senile and mentally incompetent.

https://youtube.com/shorts/uC272rKMvIA?si=z6wml_JssBFzJn9X

Doctor Carol Lieberman reports Jill Biden to the state mental health authorities for Elderly Abuse. Dr. Lieberman reported Jill Biden for abusing her senile husband Joe Biden to state mental health authorities. She said it is obvious Joe Biden is suffering from dementia and is in no shape or form to work let alone run for reelection. More to come.

https://youtu.be/t59NKXcemEQ?si=t86iIOgrlT1DZwtL

To Jill Biden, even at the cost of her husband Joe Biden making a total fool of himself around the the Globe, she’s pushing Joe to run for President of the United States. This is self fish, not right, inhumane, and right down evil. Jill Biden is an exact replica of Edith Wilson, First Lady and wife of President Woodrow Wilson who had a stroke in the White House 🏠. Jill Biden’s actions are despicable and outright wrong. Jill Biden is becoming very unlikeable among both parties Democrats and Republicans. Jill Biden has political aspirations of her own to become a United States Senator 🇺🇸 and is using her political goals and power hunger at the expense of her husband Joe Biden who is obviously suffering from late stage stage 6 dementia.

https://youtu.be/dl84TfPCqYk?si=Y7TfBsfQjYl0ARaS

Democrat Doctor says Joe Biden has Parkinson Disease and states the signs of the disease. The doctors symptoms explains what Joe Biden is going through

It’s a must watch video.

https://youtu.be/qDnCAFptBJQ?si=7t0KCenCTjQiCIjH