What is a podcast? How can you start a podcast and make money? How do you monetize with YOUTUBE.COM and other social media channels. How do podcasters make tons of money? Can anyone start a podcast? What are successful types of podcasts to monetize asap

How do you monetize from YouTube? How do I make money making YouTube videos? What category should I focus on to monetize on YouTube.

How does EPM EMPOWERED DPA and GRANT PROGRAM work? How do I qualify for the EMPOWERED DPA PROGRAM for first time homebuyers?

Appraisal came in short at $210,000. Needed $225,000. Manufactured Home. Need 80% LTV cashout refinance to retire debts but appraisal shortage value need to explore HELOC with 90 CLTV. Any know who has the best rate and term. First mortgage is $30,000.

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

I am currently being relocated and will be selling a home in Birmingham AL which will allow me the minimum $25,000 on $250,000 down payment with my current scores between 500-550… Do you write loans in the state of TN?

Chicago, Illinois branded as the top three city in the .United States.

https://youtu.be/BhgSz7XF_K0?si=VeC5qr39Uc8Yxnlf

Chase going on a ride on my truck to get trained

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• This discussion was modified 1 year, 1 month ago by  Gustan Cho.

What is domain authority and domain rankings. What is Spam score and back link? What are toxic back links?

Veterans and Credit Mix: Diversifying the Financial Portfolio

Welcome to Day 17 of our series, where we continue to aid our valiant veterans in their voyage through the world of civilian credit. Today’s focal point is credit mix—a somewhat lesser-known yet integral component of credit health.

Deciphering Credit Mix: More than Just Cards

Credit mix pertains to the various types of credit accounts you hold, such as credit cards, mortgages, installment loans, and retail accounts. It accounts for about 10% of your FICO score. A diverse credit mix can demonstrate your ability to manage different kinds of credit responsibly.

Why Credit Mix Matters for Veterans

For veterans who might have been away from mainstream financial systems during active duty, understanding and building a diverse credit mix can be instrumental in establishing a robust credit profile in civilian life.

Strategies for a Healthy Credit Mix

• Start with the Basics: If you’re new to credit, begin with a credit card or a small installment loan, ensuring timely repayments.

• Consider Diversified Borrowing: Over time, if you find the need for larger loans (like auto or home loans), these can enhance your credit mix.

• Avoid Unnecessary Debt: While diversifying is good, taking on debt unnecessarily just to “mix it up” is not advisable. Only borrow what you need and can repay.

• Seek Secured Options: For veterans finding it challenging to get approved for traditional credit, secured credit cards or loans can be a stepping stone to building a credit mix.

Veteran-Centric Viewpoints on Credit Mix

• Leveraging VA Loans: Veterans have the unique advantage of VA loans for home purchases. This can be a valuable addition to your credit mix while offering better terms than conventional loans.

• Utilizing Military Lending Options: Some credit unions and banks cater specifically to military members and veterans. Exploring these can offer avenues to diversify your credit types.

• Financial Transitioning After Service: Post active duty, there may be opportunities to engage with various credit types. This transition phase can be an opportune time to thoughtfully diversify credit.

Challenges in Building a Diverse Credit Mix

• Overextension: While seeking a varied credit mix, there’s a risk of overextending financially. Always be cautious of your capacity to manage and repay debt.

• Misconceptions: Some may believe that having several credit cards equates to a good credit mix. In reality, diversification across different types of credit is what counts.

• Short-Term Score Drops: Initially, when you open a new credit type, there might be a slight drop in your score due to hard inquiries. However, in the long term, responsible management of the new credit can be beneficial.

Credit Mix in the Grand Financial Symphony

A diverse credit mix, while influential, is one instrument in the grand orchestra of credit health. It needs to harmonize with other components like payment history, credit utilization, and credit inquiries to produce a favorable credit score.

Concluding Day 17: Charting the Course with Diversified Financial Instruments

In the vast ocean of credit, having a diversified fleet of financial instruments can aid in navigating turbulent waters. For our veterans, understanding the value of a varied credit mix is akin to understanding the significance of varied skills and tactics on the battlefield.

As we culminate today’s segment, our unwavering goal shines bright: to arm our nation’s heroes with comprehensive financial knowledge, allowing them to sail smoothly through their civilian financial journey.

Stay tuned for Day 18, where we’ll dive deeper, unearthing more facets of credit and finance, ensuring our veterans are always a step ahead in their financial quests.

I am looking to use my VA Loan in California but I am having a hard time finding a lender with no or little overlays. My current credit score is 600 and my DTI is anywhere from 48-56% depending on the loan amount. I do not have any collections or late payments on my report. I have almost 3x the residual income required for a family of 3 in California. I wanted to see if you would be able to help me out. DONE

I live in Texas in community property state . I need to qualify for $240,000 FHA LOAN. However, my wife has a $10,000 judgment . How will this affect me in getting approved for a FHA Loan without going through a legal divorce.

I’m looking into purchasing a modular or manufactured home on my own land to be purchased. I will also need to finance development costs such as utility hookups, etc. can I use FHA and are the terms and requirement different than for stick built homes?

I am paying $950 a month in child support. How can I get a mortgage with that high payment?

Danny Vesokie is President of Affiliated Financial Partners Commercial Loan School, a training program for Commercial Loans. It is a three day one on one training school online with lifetime support. I have known Danny Vesokie for years and he has trained people who want to get into Commercial lending through his Affiliated Financial Partners Commercial Loan Officer School.

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

German Shepherds with long coats are a variety of the breed that has a longer, silkier coat compared to the standard short-haired German Shepherds. These long coats can be the result of a genetic variation in the breed, and they are not as common as the short-coated German Shepherds. The long coat variation is still recognized by kennel clubs and breed standards.

When it comes to German bloodlines, there are several well-known bloodlines and breeding programs in Germany that have produced high-quality German Shepherds. These bloodlines often prioritize specific traits, such as temperament, working ability, and conformation to the breed standard. Some of the famous German bloodlines known for producing excellent German Shepherds include:

1. West German Working Lines (WGL): These lines are known for their strong work ethic, intelligence, and versatility. They are often used in various working roles, including police work, search and rescue, and Schutzhund.

2. East German DDR Lines: Dogs from the former East Germany (DDR) were bred for their endurance and courage. They have a different appearance and temperament compared to West German Shepherds and were originally used for border patrol and military work.

3. Czech Working Lines: These German Shepherds are highly regarded for their work in protection sports like IPO (formerly known as Schutzhund). They are known for their intense drive and athleticism.

4. Show Lines: Some German Shepherds come from show lines, which prioritize conforming to the breed standard in terms of appearance. These dogs may not have the same working ability as those from working lines but are still bred for good temperament.

5. American Lines: American breeders have developed their own lines, often mixing German and American dogs. Some of these lines prioritize specific traits for different purposes, such as show, working, or family pets.

When you’re looking for a German Shepherd from specific bloodlines or with a long coat, it’s essential to do thorough research and find a reputable breeder. Reputable breeders will have a strong understanding of their dog’s lineage, health, and temperament, and they will be transparent about the bloodlines they work with.

Always prioritize the health and well-being of the dog over aesthetics or specific bloodlines, and consider adopting from a rescue organization or shelter, as there are often many wonderful German Shepherds in need of loving homes regardless of their bloodlines or coat type.

https://www.youtube.com/shorts/LGpn9HIkP0k

• This discussion was modified 1 year, 7 months ago by  Gustan Cho. Reason: Want to get notified

I have owned a lot of horses but this one was special… Here I am with Hez Party Impressive way back in the day… He won Weanling Stallions and was Reserve Champion Stallion that day… If you show AQHA in TX, you know that’s not easy…

I am more interested in the spec builder new construction loans. My brother Javier and business partner told me he heard Lending Network LLC offers land acquisition and construction loans that does not require a lot of red tape. Thank you.

Loan Officers who have case scenario questions about commercial loans through Lending Network, LLC, please post them on this thread and either Gustan Cho or myself will answer them as soon as possible. Please be detailed in your questions regarding the property, such as the type of property, location, history, and other pertinent facts. Share the purpose of the loan, the current value or P and L, the repairs required, the loan amount, the scope of work, and projected P and L. Besides the purpose of the loan, explain in detail what the money will be used for, and the projected proforma P and L after the renovation or improvements. Explain the current value of the house, the renovation costs, the after improved value, and expected time to stabilize the property. The down payment the borrower has to put down, reserves, and experience of the guarantor or guarantors. If we decided this will be a loan that has merits, the next step will be to have the client complete and personal financial statement and summary sheet to us via email. If you have any questions, please post on this thread or start a new thread. We will start all inquires, case scenario, Q and As on this forum.

https://www.lendingnetwork.org

• This discussion was modified 1 year, 10 months ago by  Sapna Sharma.
• This discussion was modified 6 months ago by  Gustan Cho.
• This discussion was modified 2 months ago by  Sapna Sharma.
• This discussion was modified 2 months ago by  Sapna Sharma.
• This discussion was modified 1 month, 2 weeks ago by  Sapna Sharma.
• This discussion was modified 1 month, 2 weeks ago by  Sapna Sharma.

lendingnetwork.org

Home - Lending Network, LLC

COMMERCIAL LOANS, COMMERCIAL REAL ESTATE

Here’s an updated article on Gold investment

https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.forbes.com/advisor/investing/gold-price/&ved=2ahUKEwi3rfi-9PeAAxXtIkQIHapZBZgQFnoECCQQAQ&usg=AOvVaw1Dej3GqLpaGApu0thoykVY

If you or someone you know is considering the purchase of a home, this is a must read article that identifies 6 key considerations.

A home purchase is likely the most significant investment you will ever make. This is not a time where you will want to act impulsively or emotionally. The development of a detailed plan will be the best protection to ensure your investment is safe and sustainable.

After reading this article if you have any questions or need assistance with developing your plan, please reach out for assistance.

Buying a home? Here are key steps to consider from top-ranked advisors

cnbc.com

Buying a home? Here are some key steps to consider from top-ranked advisors

If you plan to buy a home, you need to take proper steps to prepare for the purchase. Here's how to get there and what to consider, according to experts.

This thread pertains to John Parker. John, can you please explain what AXEN Mortgage is about and how AXEN MORTGAGE works. Many people are confused about AXEN Mortgage and why NEXA MORTGAGE doesn’t talk about AXEN Mortgage more often.

It was a pleasure speaking with Kelce Rock, a residential, business, and commercial loan officer with his own team and extensive experience in commercial and business loan originator. Mr. Kelce Rock truly goes above and beyond for his clients and I have absolutely no doubt Kelce will make a phenomenal state senator and future member of U.S. Congress where he will make a difference. We need politicians who serve American Families and not dumbocrats like Imbecile Biden and Sex and Crack Addict Hunter Biden who enrich themselves and are known pedophiles. Dumbass Hunter Crackhead Biden has absolutely no morals and even goes and marries his dead brother’s wife. What a pig.

https://www.youtube.com/watch?v=h3YHiQe3jh4

Gustan Cho, the President and CEO of LENDING NETWORK, LLC, https://www.lendingnetwork.org, has launched the Equipment Financing no-doc, no-income verification, one day closing EQUIPMENT FINANCING business loan program at LENDING NETWORK, LLC. Self-employed borrowers who have been in business for at least two years and have at least a 700 credit score are eligible 100% loan-to-value equipment financing loan. No documentation required. No income tax returns, no P and L statements, no CPA letter, no bank statements. Need to have been self-employed for two years and have a 700 credit score. Read more on https://lendingnetwork.org/equipment-financing/

• This discussion was modified 1 year, 10 months ago by  Sapna Sharma.
• This discussion was modified 6 months, 1 week ago by  Gustan Cho.
• This discussion was modified 2 months ago by  Sapna Sharma.
• This discussion was modified 1 month, 2 weeks ago by  Sapna Sharma.

One thing about mortgage lending is every case can have its own separate case scenario. There is always a unique case scenario for each individual borrower. We  will go over the hundreds of case scenarios we encounter as loan officers.

Can anyone pass the class and the test? I heard it is harder than the real estate agent’s test.

I am 38 years old now and I want to have 1 core when I turn 50 years old. What kind of investment should I start to get that amount?

Car enthusiasts garage fans, if I were a betting man, I would say the best car for the money that you can enjoy is a piece of art if it sits in your garage. Yet, Car Enthusiasts Gargage Fans get a second bonus when other cars decline in value, the Ferrari 599 GTB will skyrocket in value is the Ferrari 599GTB. MADE between 2007 and 2011. $370,000 MSRP. If you can pick. one up at $150,000, great investment.

Creating your own garden can be a rewarding and enjoyable experience. Here’s a step-by-step guide to help you get started:

Step 1: Choose the Location

• Select a suitable area for your garden. Look for a spot that receives sufficient sunlight, ideally 6-8 hours per day, and has good drainage.

Step 2: Decide on the Garden Type

• Determine the type of garden you want to create: vegetable garden, flower garden, herb garden, or a mix of all three. Your choice will influence the layout and plant selection.

Step 3: Plan the Layout

• Draw a rough sketch of your garden on paper, indicating where you want to place different plants, paths, and features. Consider the mature size of plants when spacing them out.

Step 4: Prepare the Soil

• Test the soil to understand its pH level and nutrient content. Amend the soil if necessary by adding compost, organic matter, or other soil conditioners. Dig the soil to a depth of about 12 inches to loosen it up.

Step 5: Install Hardscape Elements (Optional)

• If you want to include hardscape elements like pathways, garden beds, trellises, or seating areas, now is the time to install them.

Step 6: Select Plants

• Choose plants that are suitable for your climate, soil type, and the amount of sunlight your garden receives. Consider factors like plant height, color, and blooming periods for an aesthetically pleasing arrangement.

Step 7: Planting

• Follow the planting instructions for each plant. Dig holes according to the size of the root ball, and place the plants gently in the ground. Water them well after planting.

Step 8: Mulch

• Apply a layer of mulch around your plants to retain moisture, suppress weeds, and improve soil health.

Step 9: Watering

• Set up a regular watering schedule based on the needs of your plants. Be mindful of not overwatering or underwatering.

Step 10: Maintenance

• Regularly weed your garden to prevent unwanted plants from taking over. Prune and deadhead plants as needed. Fertilize your plants as per their requirements.

Step 11: Pest and Disease Management

• Keep an eye out for pests and diseases. If you notice any issues, try to use organic or environmentally-friendly methods to address them.

Step 12: Enjoy Your Garden

• Take time to relax and appreciate the beauty of your garden. Gardening is a continuous learning experience, so don’t be afraid to experiment and make adjustments as you go.

Remember, gardening is a labor of love, and it may take time for your garden to fully flourish. Be patient, observe your plants, and adjust your care routine as needed. Happy gardening!

https://www.youtube.com/watch?v=B0DrWAUsNSc

Did you know, we can count rental income from an ADU on a DSCR Loan and allow for multiple ADU’s.

Gustan Cho Associates has merged with Lending Network, LLC for our newly launched commercial loans and business loans. Gustan Cho is the president and CEO of Lending Network, LLC

We will be releasing more information on our commercial lending network at GCA Mortgage Group about https://www.lendingnetwork.org. Stay tuned.

• This discussion was modified 6 months, 1 week ago by  Gustan Cho.
• This discussion was modified 6 months, 1 week ago by  Gustan Cho.
• This discussion was modified 2 months ago by  Sapna Sharma.
• This discussion was modified 1 month, 2 weeks ago by  Sapna Sharma.