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	<title>Great Community Authority Forums | Gustan Cho | Favorites</title>
	<link>https://gcaforums.com/members/gcho/activity/favorites/</link>
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				<title>Gustan Cho replied to the discussion 17 Million People Died of COVID Vaccine in the forum News</title>
				<link>https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37421</link>
				<pubDate>Sun, 14 Jun 2026 15:33:55 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37421"><span class="bb-reply-lable">Reply to</span> 17 Million People Died of COVID Vaccine</a></p> <div class="bb-content-inr-wrap"><p>Did you hear the saying people who lie, deceive, steal, or hurt will get discovered and caught? It&#8217;s NOT if you are going to get caught BUT when. There is a God. A good God. Theres also Satan. A BAD SATAN that want to hurt people and all living things.  </p>
<p>In this exclusive interview, Jimmy speaks with Senator Ron Johnson about his investigation&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28781"><a href="https://gcaforums.com/topic/17-million-people-died-of-covid-vaccine/#post-37421" rel="nofollow"> Read more</a></span></p>
<iframe title="THIS Is How They Covered Up The COVID Vaxx’s DEADLY Side Effects! w/ Sen. Ron Johnson" width="640" height="360" src="https://www.youtube.com/embed/ydkMwOp2Fhk?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Gustan Cho started the discussion LARGE CRAB LEGS and LOBSTER in the forum Food</title>
				<link>https://gcaforums.com/topic/large-crab-legs-and-lobster/</link>
				<pubDate>Sun, 14 Jun 2026 15:16:59 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/large-crab-legs-and-lobster/">LARGE CRAB LEGS and LOBSTER</a></p> <div class="bb-content-inr-wrap"><p>Does Anyone Know Where I Can Get Large Crab &#x1f980; Legs and Large Lobster in the Chicagoland through Milwaukee, Wisconsin  Area.  Needs to be fresh (Frozen is Fine) and taste good. A group of close friends with mutual interests asked me for a referral wholesaler of Crab Legs&hellip;<span class="activity-read-more" id="activity-read-more-28780"><a href="https://gcaforums.com/topic/large-crab-legs-and-lobster/" rel="nofollow"> Read more</a></span></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">facebook.com</p><p class="bb-link-preview-title"><a href="https://www.facebook.com/reel/1157982277409289/?mibextid=9drbnH&#038;s=yWDuG2&#038;fs=e" target="_blank" rel="nofollow">Facebook</a></p><div class="bb-link-preview-excerpt"><p>Facebook</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Tina started the discussion Cash-Out Refinance in the forum Cash-Out Refinance</title>
				<link>https://gcaforums.com/topic/cash-out-refinance-2/</link>
				<pubDate>Sat, 13 Jun 2026 18:18:25 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/cash-out-refinance-2/">Cash-Out Refinance</a></p> <div class="bb-content-inr-wrap"><p>I have a brand new $620,000 house that I built. I have a balance of 155,000 on my construction loan and I would like to get up another 25,000 for a total of 180,000.</p>
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				<title>Gustan Cho replied to the discussion VA Loan with Late Payments in Past 12 Months in the forum VA Loans</title>
				<link>https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/#post-37417</link>
				<pubDate>Sat, 13 Jun 2026 18:06:35 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/#post-37417"><span class="bb-reply-lable">Reply to</span> VA Loan with Late Payments in Past 12 Months</a></p> <div class="bb-content-inr-wrap"><p>The department of Veterans Affairs has the most lenient agency guidelines on VA loans. The VA has a reputation of going above and beyond to help its active duty, disabled, or retired members of the United States Military qualify and get approved for a VA loan. There are no minimum credit score requirements on VA loans. There are no&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28778"><a href="https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/#post-37417" rel="nofollow"> Read more</a></span></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-image"><div class="bb-link-preview-image-cover"><a href="https://gustancho.com/recent-late-payment-va-guidelines/" target="_blank"><img src="https://gcaforums.com/wp-content/uploads/2026/06/Recent-Late-Payment-VA-Guidelines-1-1.jpg" /></a></div></div><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">gustancho.com</p><p class="bb-link-preview-title"><a href="https://gustancho.com/recent-late-payment-va-guidelines/" target="_blank" rel="nofollow">Recent Late Payment VA Guidelines</a></p><div class="bb-link-preview-excerpt"><p>Recent Late Payment VA Guidelines says late payments in the past 12 months isn't always a deal killer in getting approved per AUS FINDINGS</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Susan started the discussion VA Loan with Late Payments in Past 12 Months in the forum VA Loans</title>
				<link>https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/</link>
				<pubDate>Sat, 13 Jun 2026 16:59:24 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/">VA Loan with Late Payments in Past 12 Months</a></p> <div class="bb-content-inr-wrap"><p>My husband and I recently moved to Indiana from WA, we sold our home there which was a VA loan, however we had late payments on the mortgage due to some health things I went through last year. We know are trying to find a new option for living as currently living with a friend to get our self established in new jobs in a new state but we&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28776"><a href="https://gcaforums.com/topic/va-loan-with-late-payments-in-past-12-months/" rel="nofollow"> Read more</a></span></p>
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				<title>Stanley started the discussion CAN I QUALIFY FOR MANUAL UNDERWRITING VA LOAN in the forum VA Manual Underwriting</title>
				<link>https://gcaforums.com/topic/can-i-qualify-for-manual-underwriting-va-loan/</link>
				<pubDate>Sat, 13 Jun 2026 15:24:19 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/can-i-qualify-for-manual-underwriting-va-loan/">CAN I QUALIFY FOR MANUAL UNDERWRITING VA LOAN</a></p> <div class="bb-content-inr-wrap"><p>I am applying by myself using my VA loan. I have a 583 middle credit score, which is currently within the mortgage shopping window. Rocket Mortgage capped me at $120k due to an automated computer overlay, but I need an approval for $200k to get this house. I have 2 continuous years of W-2 income with $3200 monthly, $1663 monthly, tax-free&hellip;<span class="activity-read-more" id="activity-read-more-28775"><a href="https://gcaforums.com/topic/can-i-qualify-for-manual-underwriting-va-loan/" rel="nofollow"> Read more</a></span></p>
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				<title>Danny Vesokie &#124; Affiliated Financial Partners replied to the discussion HUD GUIDELINES on FHA MORTGAGE INSURANCE PREMIUM in the forum Residential Mortgage Loans</title>
				<link>https://gcaforums.com/topic/hud-guidelines-on-fha-mortgage-insurance-premium/#post-37413</link>
				<pubDate>Sat, 13 Jun 2026 13:38:13 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/hud-guidelines-on-fha-mortgage-insurance-premium/#post-37413"><span class="bb-reply-lable">Reply to</span> HUD GUIDELINES on FHA MORTGAGE INSURANCE PREMIUM</a></p> <div class="bb-content-inr-wrap"><p>For most FHA forward loans, purchase and refinance, the one-time charge for Up Front Mortgage Insurance Premium (UFMIP) stays at 1.75% of the base loan amount. This fee is the same whether the loan is for 15 years or 30 years, regardless of the loan-to-value ratio. Lenders generally roll this fee into the mortgage amount; however, the borrower&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28774"><a href="https://gcaforums.com/topic/hud-guidelines-on-fha-mortgage-insurance-premium/#post-37413" rel="nofollow"> Read more</a></span></p>
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				<title>Danny Vesokie &#124; Affiliated Financial Partners replied to the discussion Mortgage After Bankruptcy in the forum Mortgage After Bankruptcy And Foreclosure</title>
				<link>https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37412</link>
				<pubDate>Sat, 13 Jun 2026 13:21:48 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37412"><span class="bb-reply-lable">Reply to</span> Mortgage After Bankruptcy</a></p> <div class="bb-content-inr-wrap"><p>Yes, there is hope. You’ve probably heard that a discharge in bankruptcy means the end of the world for you. Fear not! Discharged bankruptcy usually falls off your credit report after 10 years (for Chapter 7) and after 7 years (for Chapter 13). Debts of deceased parents are paid from the estate and are not paid by family members, unless you are&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28773"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37412" rel="nofollow"> Read more</a></span></p>
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				<title>Lilly replied to the discussion Mortgage After Bankruptcy in the forum Mortgage After Bankruptcy And Foreclosure</title>
				<link>https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37411</link>
				<pubDate>Sat, 13 Jun 2026 13:14:37 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-after-bankruptcy-2/#post-37411"><span class="bb-reply-lable">Reply to</span> Mortgage After Bankruptcy</a></p> <div class="bb-content-inr-wrap"><p>I have been trying to save my parents property since there death. I filed Bankruptcy, but it was discharged. I was unable to financially keep it but now it&#8217;s on my credit, is there hope for me?</p>
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				<title>Bryon Walton posted an update: I’ve been talking with a retirement strategy specialist [&#133;]</title>
				<link>https://gcaforums.com/activity/p/28771/</link>
				<pubDate>Fri, 12 Jun 2026 22:44:47 +0000</pubDate>

									<content:encoded><![CDATA[<p>I’ve been talking with a retirement strategy specialist who helps people review their accounts and see if they’re actually getting the best possible growth. A lot of people just leave their 401(k) untouched for years without realizing there may be better ways to allocate their funds.</p>
<p>What he basically does is look at your current setup, your&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28771"><a href="https://gcaforums.com/activity/p/28771/" rel="nofollow"> Read more</a></span></p>
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				<title>Gustan Cho replied to the discussion Can I Refinance with a First Mortgage and a Second Mortgage in the forum Residential Mortgage Loans</title>
				<link>https://gcaforums.com/topic/can-i-refinance-with-a-first-mortgage-and-a-second-mortgage/#post-37410</link>
				<pubDate>Fri, 12 Jun 2026 19:04:06 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/can-i-refinance-with-a-first-mortgage-and-a-second-mortgage/#post-37410"><span class="bb-reply-lable">Reply to</span> Can I Refinance with a First Mortgage and a Second Mortgage</a></p> <div class="bb-content-inr-wrap"><p>Let me ask a few MLOs or wholesale reps who are more knowledgeable.  Didn&#8217;t do a refinance in three years. </p>
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				<title>Connie replied to the discussion Can I Refinance with a First Mortgage and a Second Mortgage in the forum Residential Mortgage Loans</title>
				<link>https://gcaforums.com/topic/can-i-refinance-with-a-first-mortgage-and-a-second-mortgage/#post-37409</link>
				<pubDate>Fri, 12 Jun 2026 18:55:42 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/can-i-refinance-with-a-first-mortgage-and-a-second-mortgage/#post-37409"><span class="bb-reply-lable">Reply to</span> Can I Refinance with a First Mortgage and a Second Mortgage</a></p> <div class="bb-content-inr-wrap"><p>Every DPA program has its own rules, regulationss, and guidelines. Homeowner may need need to read the second. Most have a 5 year waiting period. Some will forgive 1% for each year then after 5  it&#8217;s gone. If they refi or sell it has to be satisfied. </p>
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				<title>Julio Munoz replied to the discussion Midnight Oil&#124; Beds are Burning in the forum Underwriting Help Desk</title>
				<link>https://gcaforums.com/topic/midnight-oil-beds-are-burning/#post-37404</link>
				<pubDate>Fri, 12 Jun 2026 01:53:34 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/midnight-oil-beds-are-burning/#post-37404"><span class="bb-reply-lable">Reply to</span> Midnight Oil| Beds are Burning</a></p> <div class="bb-content-inr-wrap"><p>Great &#x1f44d; blast from the past</p>
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				<title>Julio Munoz replied to the discussion Day Dream Believer &#124; The Monkeys in the forum Music</title>
				<link>https://gcaforums.com/topic/day-dream-believer-the-monkeys/#post-37403</link>
				<pubDate>Fri, 12 Jun 2026 01:43:33 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/day-dream-believer-the-monkeys/#post-37403"><span class="bb-reply-lable">Reply to</span> Day Dream Believer | The Monkeys</a></p> <div class="bb-content-inr-wrap"><p>Cool &#x1f60e; song</p>
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				<title>Jason Hall posted an update: That's a real shift in how mortgage credit can get [&#133;]</title>
				<link>https://gcaforums.com/activity/p/28761/</link>
				<pubDate>Thu, 11 Jun 2026 11:44:08 +0000</pubDate>

									<content:encoded><![CDATA[<p><span>That&#8217;s a real shift in how mortgage credit can get read. VantageScore 4.0 looks at &#8220;trended data&#8221; (how you&#8217;ve handled balances over time, not just a snapshot) and treats most medical collections differently than older models.</span></p>
<p>What it does NOT mean:</p>
<p>&#x2705; FICO isn&#8217;t going anywhere — lenders are using both</p>
<p>&#x2705; The rollout is early and still growing — not&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28761"><a href="https://gcaforums.com/activity/p/28761/" rel="nofollow"> Read more</a></span></p>
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				<title>Marcos replied to the discussion GCA Forums News for Monday June 8 2026 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37401</link>
				<pubDate>Thu, 11 Jun 2026 06:52:34 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37401"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Monday June 8 2026</a></p> <div class="bb-content-inr-wrap"><p>This video, presented by Nicholas Gerli of Reventure Consulting, analyzes the significant decline in real estate investor activity in the U.S. housing market, which he describes as the biggest exodus since 2008.</p>
<p>Key Takeaways:</p>
<p>Investor Collapse: Nationally, investor home purchases have plummeted over 50% from their pandemic peak, hitting levels&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28760"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-june-8-2026/#post-37401" rel="nofollow"> Read more</a></span></p>
<iframe title="The Biggest Exodus since 2008 is happening now (Redfin reports 70% drop in FL)" width="640" height="360" src="https://www.youtube.com/embed/r4z0cSwdsTM?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Gustan Cho: @RRC1 Mr. Jason Hall,I like to thank Michelle McCue for [&#133;]</title>
				<link>https://gcaforums.com/activity/p/28759/</link>
				<pubDate>Wed, 10 Jun 2026 16:52:38 +0000</pubDate>

									<content:encoded><![CDATA[<p><a class="bp-suggestions-mention" data-bb-hp-profile="4787" href="https://gcaforums.com/members/rrc1/" rel="nofollow">@RRC1</a> </p>
<p>Mr. Jason Hall,</p>
<p>I like to thank Michelle McCue for the introduction and her highly extraordinary endorsement of you, you company, and the work you do for consumers in advising them on the right ways of establishing credit, the correct and most effective ways in re-establishing and rebuilding your credit profile after an economic or&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28759"><a href="https://gcaforums.com/activity/p/28759/" rel="nofollow"> Read more</a></span></p>
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				<title>Gustan Cho replied to the discussion My Dog is a Republican in the forum Pet Lovers Place</title>
				<link>https://gcaforums.com/topic/my-dog-is-a-republican/#post-37379</link>
				<pubDate>Wed, 10 Jun 2026 02:58:46 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/my-dog-is-a-republican/#post-37379"><span class="bb-reply-lable">Reply to</span> My Dog is a Republican</a></p> <div class="bb-content-inr-wrap"><p>Great day today. Took Chase, Skylar, Big Girl Sage, and Gunner to UBREAKIFIX Computer Shop to visit Kai Knight to have Samsung Tablet adjusted and my Dell Computer programmed. Sage enjoyed the trip.</p>
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				<title>Tom Miller replied to the discussion Chem Trails in the forum Controversies</title>
				<link>https://gcaforums.com/topic/chem-trails/page/3/#post-37373</link>
				<pubDate>Wed, 10 Jun 2026 02:49:37 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/chem-trails/page/3/#post-37373"><span class="bb-reply-lable">Reply to</span> Chem Trails</a></p> <div class="bb-content-inr-wrap"><p>I think political leaders and politicians need to clear up the chemical trails sprayed by jets in the air. If ita conspiracy theory and GLOBALISTS LIKE BILL GATES, Former President Barack Obama and Dr. Anthony Fauci is not trying to depopulate the World population by killing people who are 70 years of age and older thenlets have a Town Hall&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28750"><a href="https://gcaforums.com/topic/chem-trails/page/3/#post-37373" rel="nofollow"> Read more</a></span></p>
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				<title>Tom Miller replied to the discussion UWM and Rocket Mortgage 1% rate buydown for free for first year in the forum Mortgage and Real Estate News</title>
				<link>https://gcaforums.com/topic/uwm-and-rocket-mortgage-1-rate-buydown-for-free-for-first-year/#post-37372</link>
				<pubDate>Wed, 10 Jun 2026 02:20:57 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/uwm-and-rocket-mortgage-1-rate-buydown-for-free-for-first-year/#post-37372"><span class="bb-reply-lable">Reply to</span> UWM and Rocket Mortgage 1% rate buydown for free for first year</a></p> <div class="bb-content-inr-wrap"><p>The free 1.0% buy down the first year seems to be a great deal with no hidden fees or tricks. I will research this product more tomorrow and post my findings. </p>
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