Here is my 3 pound toy poodle 🐩 ❤️ 💖 💕 😀 Lilly watching out for goffers and squirrels. She’s mesmerized with little rodents smaller than her.

Mortgage Market Alert: Inflation, Rates, and Housing News for June 26, 2026

By GCA Forums News Desk | Powered by Gustan Cho Associates | Friday, June. This week was tough for homebuyers. Mortgage rates remain near 6.5%, inflation continues to rise, new home sales are dropping, and a major housing bill is stuck because of…

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The report sounds urgent but does not predict a stock market crash or a nationwide housing collapse. Today’s data show growing affordability issues, ongoing inflation, and a shaky housing market. Still, these problems do not guarantee a downturn.

June 25, 2026, mortgage and housing market update. Includes 6.49% rates and analysis of May’s…

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TRID Mortgage Loan Officer Compliance Training – Advanced

Advanced TRID training helps mortgage loan officers avoid delayed closings, unexpected fee increases after closing, and costly compliance errors. Basic training covers when to send the Loan Estimate and Closing Disclosure, but advanced sessions dive into the specific timing rules, required…

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Kim

Finally getting together and ready to kick ass. Welcome on-board and let go to the top.

Love my Chase and Skylar. Bailey, not too much.

In this episode of Greta Wire, Blagojevich discusses his indictment, imprisonment, sentence reduction, and subsequent pardon. He characterizes his case as an example of politically motivated prosecution, which he calls “lawfare,” and draws parallels to the legal challenges faced by Donald Trump.

Key Discussion Topics

The Vacancy of Obama’s…

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Your loan-to-value ratio puts you in a strong and secure financial position.

Your Current Situation

• Estimated Home Value: $620,000
• Current Construction Loan Balance: $155,000
• Cash Needed: $25,000
• Requested New Loan Amount: $180,000

Loan-to-Value (LTV)

A $180,000 mortgage on a $620,000 home gives you a low loan-to-value ratio of 29%.

With this setup,…

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If a major bank advertises a 30-year fixed rate of 6.25% while the national average is between 6.5% and 6.7%, it makes sense to be skeptical. Rather than only verifying the rate, it helps to understand why it might be lower. For borrowers with strong credit, the typical 30-year fixed loan rate falls between 6.5% and 6.6%.

Who Can Get Chase’s… Read more

It looks like automated underwriting does not capture the full picture of your financial situation.

• Your median credit score is 583.
• You have two years of uninterrupted W-2 employment.
• You receive $1,663 per month in tax-exempt VA disability income.
• Your employment income is $3,200 per month.
• For qualifying, your VA disability income is…

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GCA Forums News

Mortgage Rates Surge Again, Creating Immediate Challenges for Housing Market: GCA Forums National Housing & Economic News Report Tuesday, June 23, 2026

Mortgage rates spike; Senate passes housing bill; buyers scramble to adapt; surging oil prices fuel inflation; housing affordability remains a severe concern.

2026 Housing Market… Read more

Housing and Mortgage News for Monday, June 22, 2026

As the week of June 22, 2026, begins, the housing market shows few signs of cooling, as homebuyers contend with high home prices, mortgage rates hovering around 6%, and price levels that threaten purchasing power. Despite this, the market is active. More buyers are writing contracts,…

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This topic and subject matter are very important. Many team leaders, mortgage net branch managers, and owners of mortgage brokerage companies neglect to do a thorough due diligence on their current P and L on their current company and pro-forma P and L on a new prospective company. There should be many existing free templates where you do…

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Here is a concise technical summary for Kai, Sapna, and Yogesh.

• I have experienced failures with two new HP laptops and am working to determine whether the cause is power-related, a defective HP batch, hardware failure, or malware.
• I purchased the first HP laptop new from Best Buy in Kenosha, WI in or around June 2022 and did not opened it to…

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I lost two brand new HP laptops. The first one was brand new I purchased from Best Buy in Kenosha, Wisconsin but did not open the box until mid to late 2025. I took it in to UBREAKIFIX in Kenosha, Wisconsin. Kai Knight was my technician and did everything humanly possible to no avail. I purchased a second HP laptop earlier this year. Took it in…

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Did you hear the saying people who lie, deceive, steal, or hurt will get discovered and caught? It’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.

In this exclusive interview, Jimmy speaks with Senator Ron Johnson about his investigation…

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Does Anyone Know Where I Can Get Large Crab 🦀 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… Read more

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…

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Let me ask a few MLOs or wholesale reps who are more knowledgeable. Didn’t do a refinance in three years.

https://www.bbb.org/us/il/westmont/profile/mortgage-broker/gustan-cho-associates-0654-1000038430

Hi Gustan,

If you’re working with clients who feel stuck between staying put and making their next move, HomeLight’s Buy Before You Sell (BBYS) paired with UWM’s 1-0 lender-paid buydown can be a powerful solution.

BBYS helps qualified homeowners purchase their next home before selling their current one, while UWM’s buydown can help ease…

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Final set of photos of my little rascals

MORE PHOTOS OF MY BABIES They love going for rides.

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.

I know UWM does ONE-TIME CLOSE NEW CONSTRUCTION ON ONE TO FOUR UNIT MULTIFAMILY HOMES

I have a owner occupant two unit primary home occupant ONE-TIME CLOSE NEW CONSTRUCTION homebuyer and I have a OBE-TIME CLOSE Two Unit Multi-Family Investor

Need to know type of loan program, LYV, abd terms of the loan

Thank you

Artificial Intelligence is growing exponentially faster than anyone has never imagined. Many licensed professionals in the real estate and mortgage industries are witnessing what will happen to their careers as a real estate agent, real estate broker, mortgage loan originator, branch manager of a mortgage net branch, mortgage broker company…

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This thread is a very important one. A little off topic from what we were covering but extremely important. The mortgage industry is very complex and in many instances, there are situations where it does not make sense. Let’s cover the type of mortgage company you as a newer MLO want to start your career. What I am covering on this thread is…

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Thanks, Danny for your input. Folks, just want to let all of you know that the mortgage process section of MLO TRAINING e-Learning Bootcamp consists of many different parts. After the module has been finished, I will try to somehow restructure it in an organized step-by-step fashion. This section consists of the general overview mortgage…

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Welcome to the GCA Forums News Daily Report for Tuesday, May 26, 2026

Mortgage rates are high, oil prices are rising, inflation is in the news again, and homebuyers are feeling the pressure. Check out today’s GCA Forums News Daily Report for the real story behind the headlines.

We Check Our Facts and Aim to Give You Clear, Timely Updates You Can… Read more

As of May 26, 2026, my rough estimate is:

North Dakota + South Dakota company licensing only: about $3,000 to $6,500 if you handle most of it yourself.
With a licensing consultant: more realistically $7,000 to $14,000+ all-in for both states, depending on how much setup work they do.

This does not include payroll, LOS, compliance audits,…

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GCA Forums Daily News: Mortgage Rates, Oil Shock, Housing Pain, and Wall Street Warning for May 25, 2026

Mortgage rates, oil prices, inflation, housing affordability, jobs, precious metals, and market risks headline the GCA Forums Daily News Report for May 25, 2026.

GCA Forums Daily News Report May 25, 2026

GCA Forums Daily News: Mortgage Rates,… Read more

When it comes to NMLS company, branch, or individual mortgage licensing, it can get really confusing and it is very difficult to understand many questions. There are many NMLS mortgage licensing consultants and a lot of them do not return you inquiry right away. However, on NMLS mortgage licensing I highly recommend is Steven, the owner…

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GCA Forums Weekend News Report: Rates Spike, Inflation Bites, Housing Stalls, and America Feels the Squeeze

The May 23, 2026, GCA Forums News Weekend Report highlights rising mortgage rates, increasing inflation, slower home sales, continued volatility in gold and silver prices, record stock market highs, and worsening affordability…

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AI is moving faster than anyone has expected. I am seeing a great benefit with AI in the mortgage industry.

The Impact of Artificial Intelligence Technology on Workforce Dynamics in the Mortgage Sector

Artificial intelligence is now a regular feature in the mortgage and housing industry. Tools such as ChatGPT, Claude, Microsoft Copilot,…

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The very first step on qualifying a mortgage loan applicant is initially have a phone interview. Buying a home is the largest investment for most hard-working people and consumers may think everything can be done online without any human contact. Many steps in the mortgage process can be done via electronic communication by email or text.…

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It was great talking with you this afternoon. I’m glad to hear you and your family are doing well. If you don’t mind, let’s discuss potential possibilities and/or options as a case scenario. Exploring a HELOC or second mortgage may be an option which I know it may be short based on a guestimate of $400,000 with a $340,000 first position. A HELOC…

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Skylar is turning out to be a great dog and a lot of her character reminds me of Jeanie, my female German Shepherd dog i raised while I was in high school. Skylar, two years old is always by me. When I get dressed to run an errand she runs to the service door and is ready to go. She is jumping up and down by the door. She always. She always…

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Credible news reporting depends on thorough source citation. The following is a clear and balanced draft prepared for GCA Forums News, published on May 19, 2026.

Stay informed about mortgage rate fluctuations, inflation trends, developments in Trump’s campaign travel, Rocket’s promotional offers, FHA P&L loans, and the latest updates from GCA…

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Upon applying for a mortgage, applicants receive a Loan Estimate (LE) from the lender within three business days. This document does not constitute an approval or denial. Rather, it provides an early overview of the loan terms and potential costs associated with proceeding.

The application process officially begins once the lender receives…

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What is the next step after the homebuyer shops with a pre-approval letter with the buyer’s real estate agent and finds the house of their dreams. The real estate agent guides the buyer with negotiating the real estate purchase contract, contingencies, and both the home buyer and seller signs the contract. The real estate contract needs to…

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Every mortgage loan application can be different. There are so many case scenarios depending on the borrower. No two mortgage loan applicants are the same. There are countless types of case scenarios where some falls in a gray area. Depending on the type of mortgage lender you work for, a particular borrower may fall within agency guidelines…

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The number one reason for stress during the mortgage process and the reason for a last-minute mortgage loan denial is because the mortgage loan originator did not properly qualify the borrower prior to issuing the pre-approval letter. Borrowers depend and rely on the mortgage loan originator that the pre-approval is solid and valid. A…

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On May 18, 2026, rising oil prices are contributing to decreased affordability as mortgage rates increase. President Trump’s approval ratings are declining amid economic challenges. Rocket Mortgage’s new teaser rate is attracting significant attention, while GCA Forums is highlighting loan programs unavailable from other lenders.

Mortgage… Read more

Kash Patel FBI Controversy: Verified Facts, Media Claims, And Public Trust Crisis

Kash Patel’s FBI is facing a public trust crisis as allegations over travel, girlfriend security, internal firings, drinking claims, and political retaliation dominate national headlines. While some claims remain unproven, the controversy raises serious questions…

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Rocket Mortgage Initiates $100 Million Lawsuit Against UWM

Rocket Mortgage has filed a suit with the New York Supreme Court’s Commercial Division against United Wholesale Mortgage (UWM). The suit alleges that UWM deliberately and unlawfully breached non-solicitation agreements for a package of mortgage servicing rights that UWM sold to Mr. Cooper…

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GCA Forums Sunday News: Mortgage Rates, Oil Shock, Housing Pain, Trump Poll Trouble, and America’s Affordability Crisis

This Sunday Edition aims to inform and engage readers across the country with clear, straightforward mortgage news. Sunday, May 17, 2026 GCA Forums News: mortgage rates, housing affordability, inflation, oil shock, Trump…

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For GCA Forums MLO Training Bootcamp, The Best Lesson Is This:

A mortgage loan originator should not try to buy builder referrals. Instead, build trust by solving buyer problems, protecting contracts, explaining financing clearly, and closing on time. itself in builder relationships by serving new-construction buyers who may lack ideal credit…

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GCA Forums Breaking News For Friday, May 15, 2026

The May 15, 2026, mortgage and housing news paints a turbulent picture: President Trump’s approval rating sinks below 35% as oil prices and inflation climb, shaking market confidence. Rocket Mortgage’s bold 4.99% teaser rate is stirring up the lending world. The report dives into fresh FHA…

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I will contact Alan Bercovitz, President of the Complete 1003 Software, LLC. Its been couple of years since I talked to him. Alan’s software is a great learning tool plus a system that can keep mortgage loan originators a piece of mind with an already established system. I want to know more about The Complete 1003 Software, whether or not… Read more