There’s a video series about several pet monkeys. Little pet monkeys are extremely intelligent and cute. They are no different than having a little kid that normally behaves. Each pet monkey has its personality. Anyone raise a pet monkey? Watch this short video. The owner of Lilly lives in Vietnam. This video will make your day. 😍

https://youtu.be/HhVmi-if1yU?si=RY380dlthSfvqHsY

I have a 45 ft. diesel Class A Motorhome I purchased 20 years ago for $200,000. The motorhome I purchase 20 years ago is a low mileage (50,000 miles) and is a diesel. Diesel engine motorhomes are more expensive and sturdier than gas powered motorhomes. The motorhome I purchased was used when I purchased it. The coach has been sitting for the past 10 years and needs to be fully checked out mechanically. I was thinking about trading the motorhome for a newer model with slides. However, I heard how fast motorhomes depreciate. I heard motorhomes depreciate and lose their values faster than boats. I also heard banks and finance companies often do not care to finance motorhomes older than ten years old. Is it better to renovate my current RV or buy a new motorhome and sell mine.

What is the minimum loan amount i can get approved for on non-QM loans? What is the minimum loan amount on bank statement mortgage loans? What is the minimum loan amount on DSCR LOANS?

Go to the seven steps of financial responsibility if you want to learn them first. Search around for the words, first, second, etc.

This work is not fully completed. However it is fully written as far as the comprehensiveness of the necessary information is concerned.

In this article I will attempt to teach you a basic overview of how to manage your own personal lifetime financial management responsibilities. I will attempt to help you by teaching you, guiding you, and encouraging you to develop and create you very own unique personal lifetime financial management survival guide template manual plan. Then, all that you have to do is constantly refer to your plan and simply follow it. After all, it’s your very own personal financial survival plan for your life regarding your finances, which are the very backbone of giving the necessary support to your very own life’s adventures, dreams, hurdles, and emergencies.

When you begin this financial management adventure their will be an initial and immediate need for you to change one very important aspect of your life.

You are going to learn how to become your own teacher. You will learn the simple information that you will need that will guide you throughout your entire life. And as you learn this simple information, you will WRITE ABSOLUTELY EVERYTHING DOWN.

You will write it all down because you will continually review this material in order to guide you and keep you on course throughout the rest of your life.

For More Download the attached file

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GCA FORUMS HEADLINE NEWS for Thursday, February 20th 2025:

Currently, it is February 20, 2025. Here are the updates from the GCA Forums as of Thursday: Current Mortgage Rate Trends

It appears that mortgage rates have risen modestly this week. The forum members are analyzing the impacts on new buyers and those looking to refinance.

Changes to FHA Loan Limits

The Federal Housing Administration has changed the loan limits for some counties. This forum is split in half, as some are optimistic about increased eligibility while others doubt purchasing power.

Credit Score Improvement Methods

There is a thread focused on increasing one’s credit score, which is often viewed as more helpful when obtaining a mortgage. This thread has become very popular.

Real Estate Market Predictions

Some members are already stating their estimates for the upcoming spring housing market. Members discuss inventory, demand, and pricing.

Homebuyer Assistance Programs

There have been new posts on state-specific programs for new home buyers that provide grants or low-interest loans.

Expansion of VA Loan Benefits

Legislative changes have recently expanded benefits for veterans seeking home loans. Discussions have focused mostly on the eligibility and application processes.

Financing for Investment Properties

The forum participants shared information on different brokers and the financing options for rental properties, such as conventional loans, hard money, and portfolio loans.

Strategies for Mortgage Refinance

With recent rate shifts, members weigh the advantages and disadvantages of refinancing their existing mortgages.

Economic Factors and Their Effect on Housing

Threads are looking at how employment records and overall inflation affect the housing market and mortgage rates to predict the next economic move.

How to Prepare for a Home Appraisal

A guide has been posted outlining how sellers and buyers can prepare for a home appraisal and what factors affect the cyclic valuation of homes.

Visit the GCA Forums for more in-depth discussions and the most recent updates.

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

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

National Daily GCA Forums News: Headline News for Tuesday, January 28th 2025. In today’s GCA Forums Headline News, we will cover Secretary of Homeland Security Kristi Noem’s strategy on deporting illegal migrants with the U.S. Border Patrol, Immigration and Customs Enforcement, the DEA, and other federal agencies. Secretary of Security Noem is not just concentrating deporting illegal immingrants on just one or a few cities but throughout the United States. Illinois is one of the states targeted for mass deportation, and Illinois Governor JB Pritzker said that if ICE and Border Patrol are coming to Illinois, they would have to come through him. The 5’5″, 500-pound obese governor has changed his tune. Pritzker said Illinois,, as well as himself, said they will be cooperating with federal immigration law enforcement officers in deporting illegal migrants. News with the Internal Revenue Service. The IRS hired 87,000 IRS agents to go after billionaires per Joe Biden’s directive. However, 90% of the audits by the IRS were made to American wage earners making under $400,000. President Trump either wants to do major reform or to dismantle the IRS.

National Daily GCA Forums News: Tuesday, January 28, 2025, highlights Secretary Kristi Noem’s National Deportation Strategy: How Kristi Noem Enforces Immigration Law

Comprehensive Approach:

• Kristi works remotely from South Dakota and wants to boost goals using federal government services like the Border Patrol, Immigration and Customs Enforcement, and the DEA.

Nationwide Enforcement:

• The approach expands beyond the borders of select cities.
• The new strategy is designed to deport illegal immigrants living in the United States.

Illinois in the spotlight:

• The sanctuary state of Illinois is a prime target for deportation strategies.
• The state of Illinois has been hostile toward ICE for years, but JB Pritzker went from a stubborn governor to one who accepts federal enforcement.
• This is a major policy modernization that the state has needed.
• Those who dislike Pritzker’s leadership view his changing disposition as an attempt to shift pragmatism.

IRS Reorganization Review Controversy Over Hiring New IRS Agents

Between an IRS audit rest claim for advanced taxation over the wealthy and the liberal Biden administration, the IRS previously gamed the system with 87,000 new IRS agents.

According to sources, 90% of the audits were on earners who made less than $400,000, drawing considerable backlash.

Plans of the Trump Administration

• The President has publicly criticized the IRS and its practices.
• Some of the suggestions include reorganizing the governing body in a more user-friendly manner or eliminating the IRS altogether and replacing it with a simpler tax collection system.
• Trump stated that Americans, especially the middle and working class, should not dwell in the constant anxiety of facing unreasonable audits.

Contained Ripple Effects

Immigration Control:

• Many are concerned about the anticipated outcomes of Secretary Noem’s approach to immigration, which has been endorsed by some political figures and immigration critics.
• The approach is sure to result in hefty deportations in the next few months.
• States like Illinois, which are sanctuaries of immigration, may find themselves in more conflict than before as federal and state relations become more complicated.

IRS Reorganization:

• If President Trump succeeds in removing or changing the IRS, then other parts of the tax system would have to be changed, but there are still gaps in how they would go about it.

Key Points

• Secretary Kristi Noem’s campaign to deport illegal immigrants is bound to target states such as Illinois, which have taken a laid-back attitude towards immigration.
• This marks a shift in the approach towards controlling illegal immigration.
• The political face turn of CEO JB Pritzker, who has previously disagreed with the central government, has pledged to assist their immigration agencies to enforce greater control.

Trump’s potential focus on overhauling or dismantling the IRS could result in a profound change in taxation policies and enforcement strategies at the federal level.

Follow GCA Forums News for new information about these unfolding stories.

https://www.youtube.com/watch?v=FJ1Ws1IjtgA

Daily National GCA Forums News Mortgage and Real Estate News for Tuesday, January 28th 2025. President Donald Trump is firm on telling the American people he will use everything in his power to make housing affordable again. The 47th newly elected president did not waste any time getting to work and delivering on his campaign promise to make America Great Again, lower interest rates and make mortgage rates affordable again. Something is going on with the Trump Administration and the Federal Reserve Board Chairman Jerome Powell in lowering mortgage rates. The skyrocketing mortgage rates, high soaring inflation, and home prices beyond the reach of many American homebuyers is putting a dent in home affordability. Homeowners insurance is another problem. Many insurance carriers are exiting high risk cities, counties, and states like Florida, North Carolina, California, South Carolina, Louisiana, Mississippi, and other regions of the country. President Trump is also thinking about abolisihing the IRS, FEMA, and bureaucracy where it hinders the growth of Americans. The Biden-Harris Administration has really put America backwards and President Trump is trying to fix the economy. Many Americans from swing and red states such as Nevada, California, New York, North Carolina, Arizona, Wisconsin, Pennsylvania, Illinois, are impressed at how President Donald Trump is honoring his campaign promises to Americans. Even Democrat politicians like Pennsylvania U.S. Senator John Federman (D-PA) is commending and complimenting President Donald Trump on ABC’s the View and telling Americans that President Donald Trump is doing what he says and says what he says. President Trump got a warm welcome from Hurricane victims of North Carolina and Southern California wildfire victims in Los Angeles. Many experts and political analysts are forecasting many blue states will turn RED due to the actions of President Trump. What President Joe Biden did in four years, President Donald Trump did it in one week.

Daily National GCA Forums News: Mortgage and Real Estate Update for Tuesday, January 28, 2025The Trump Administration’s Attempt to Make Housing More Affordable

Making Campaign Promises Real:

• Trump has maintained that all Americans must have access to affordable housing and has taken action to deliver on this promise.
• Within a week of taking office, he ordered his team to start working on lowering mortgage rates, settling housing prices, and understanding the complexities of the market.

Cooperating with the Federal Reserve

• Trump’s administration is in conversation with Federal Reserve’s Jerome Powell regarding an interest rate cut Trump suggested in his campaign.
• Inflation and soaring mortgage rates have worsened housing affordability.
• With the changes in administration, this is a primary issue that has to be resolved within the industry and the economy.

Consequences in the Housing Industry

The Staggering Monthly Rates:

• First-time homebuyers or homeowners looking to refinance have struggled with purchasing power due to the current monthly rates of 6 to 7 percent.
• In a post-pandemic world, leveraging purchases took an upward turn, and the Trump administration seeks to reinstate Malcolm X’s vision of America, which prioritizes the country as a whole over citizens.

High Home Prices

Real estate prices continue to remain high, putting them out of the reach of the middle class. Attempts to initially regain stability in the housing market will assist in curbing the constant increase in prices over time.

Homeowners Insurance Crisis

Insurance companies are pulling out of high-risk states such as Florida, Louisiana, California, and the Carolinas due to the increased frequency of natural calamities and the increasing cost of claims.

The Trump administration is looking into some federal measures to fix the homeowner’s insurance market.

Trump’s Broader Economic GoalsAbolishing Bureaucracy

• Trump has floated the idea of removing the IRS and FEMA, claiming these institutions are economic barriers.
• Consider replacing the IRS with simple taxes to relieve the middle-class financial strain.

Addressing Inflation

• Trump has clarified that he will bring Inflation down, relieving some of the burden on housing rates and making them more affordable for buyers.

Political Impact of Trump’s ActionsBipartisan Praise

• Trump’s rapid approach towards solving the economic issue has earned him accolades even from Democrat leaders like Senator John Fetterman (D-PA).
• In his comments on ABC’s The View, Fetterman remarked that Trump delivers on his campaign promises.

Swing States Turning Red

• Analysts predict that traditionally blue states like New York, California, and Pennsylvania will support Trump during the next elections because of his prompt actions on housing, Inflation, and disaster relief.

Relief Action for Various Disasters Support Offered for Hurricane and Wildfire Victims

• President Trump and First Lady Melania Trump assisted hurricane-affected regions in North Carolina and wildfire victims in Southern California.
• They indeed appreciated this assistance, especially given their expectations from the government regarding promises of federal assistance.

The Housing Market’s Tomorrow

Expert speculations:

• Political analysts and housing experts believe that if Trump manages to control Inflation and stabilize mortgage rates, real estate projections around 2025 will be favorable.
• The place seems chaotic with everything, like home prices and insurance, but props to the administration for having the people’s back.

How The Public Feels

• Citizens from neutral and blue states appreciate his efforts since he has made bold and memorable decisions.
• Modifying mortgage rates, seeking integration from fellow countries to combat Inflation, and aiding crisis victims have all earned crisis victims, and they have all combined to earn him acclaim.
• Places like Nevada, Arizona, Wisconsin, and Pennsylvania feel hopeful and trusting in this administration and its capacity to improve the economy in the long run.

Key Take Aways

• President Trump’s primary concern is housing, which can be resolved by controlling Inflation and reducing mortgage expenses.
• The progress made by talking to the Federal Reserve.
• Plus, bold statements about fundamentally changing the system, such as eliminating the IRS, combine to address further economic problems.
• Bipartisan praise is rising for disaster relief efforts, boosting brand support from previously unsupporting blue states.
• Regarding Trump’s speed in the elections, analysts predict voter shifts.

Stay alerted on GCA Forums News for new updates on the Trump administration’s effect on the economy, including the housing market.

He is an informative video about 50 Gay actors who died tragically.

https://youtu.be/nidOjRCSQuM?si=tmWDJcd7FRNpU3UK

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

facebook.com

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 6 months, 1 week 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?