Is it possible to become a first-time homebuyer in California? What is it with California that people want to live in that state? California has high crime rates, double the home prices than other states, high cost of living, high cost of goods and services, high regulations, and high unemployment rates. What makes people want to stay in California?

It’s OFFICIAL. Barack Obama has convinced Joe Biden to step down from running for reelection in 2024 against former President Donald Trump. We have not heard from Joe Biden or Jill Biden but we have heard this breaking news from reliable sources. More updates to come.

https://youtu.be/3rq6QGtWUus?si=AFmhkpURw6AyyOES

How does OTC New Construction Loans work on Conventional Loans. What are the eligibility requirements for one-time-close new construction loans? What can you build with OTC New Construction Loans. What is the mortgage process on OTC NEW CONSTRUCTION LOANS? What is the down payment requirements, credit score guideliines, debt-to-income requirements, and what type of property can you build?

There are life prolonging benefits of eating black garlic on an empty stomach. This is no witch craft or some bullshit but the REAL DEAL. Eating black garlic when you are hungry can be healthy since it has a lot of nutrients and active ingredients that support life—antioxidant features of normal garlic change when it is fermented to become black garlic. Besides, the taste also changes from hot and spicy to sweet and mild flavors. Here are some of how consuming black garlic on an empty stomach may benefit your health:

More Powerful Antioxidants

High Antioxidant Concentration: The fermentation process increases the antioxidants in black garlic. These substances help fight oxidative stress and lower the risk of chronic diseases.

Protection Against Free Radicals: Free radicals which might cause cell destruction leading to aging or different illnesses are neutralized by antioxidants.

Better Digestive System Functioning

Boosts Healthy Digestion: When taken before meals, black garlic can stimulate digestive enzyme secretion, thereby promoting proper gastrointestinal tract functioning.

Acting As A Natural Prebiotic: Black garlic contains prebiotic fibers that nourish the good bacteria in our guts, aiding digestion and improving general gut health.

Increased Immune System Response

Strengthens Immunity: Blackened cloves have immunity-enhancing properties that enable them to protect organs from infections.

Anti-Inflammatory Properties: Compounds with anti-inflammatory effects present in this type of fermented product can alleviate inflammations associated with certain chronic conditions, such as arthritis.

Heart-Friendly

Promotes Cardiovascular Wellness: Among its many functions, black cloves lower blood pressure levels and lessen cholesterol content within vessel walls, thus improving circulation around these parts, which leads to better overall cardiac health status. Therefore, adding black cloves to one’s diet would contribute towards achieving such goals.

Prevents Atherosclerosis: Plaque buildup prevention along arteries is made possible by the antioxidants contained in it, which reduce the chances of developing atherosclerotic plaques that could block blood flow supplying various body organs, like heart muscles, among others.

Anti-Cancer Effects

Possible Anti-Cancer Properties: Some research studies have proposed that blackened bulbs may possess anti-cancer properties due to the high amounts of sulfur compounds and antioxidants present.

Sugar Levels Regulation

Regulates Blood Glucose: Blackened garlic can help control sugar levels for individuals diagnosed with diabetes or at risk of developing the disease.

Detoxification Processes

Supports Liver Detoxification: This happens when toxic substances are metabolized within liver cells, leading to their subsequent elimination from the body’s system.

Weight Control Management

Facilitates Fat Burning: These cloves can enhance metabolism and reduce fat deposit accumulation, thus supporting an individual’s weight control measures.

Skin Care Improvement

Enhances Complexion Condition: The antioxidant activity and anti-inflammatory characteristics displayed by aged clove extracts might contribute to healthier-looking skin free from blemishes like acne scars, etcetera.

Wellbeing Promotion

Raises Energy Levels: Try eating roasted pieces when feeling weak or tired. They contain certain components known for increasing energy production levels in humans.

Improves Mood State: Its chemical compounds could act on brain receptors responsible for mood regulation, enhancing feelings such as happiness or pleasure and fostering overall emotional wellness.

How Do You Eat Black Garlic?

To derive maximum benefits, eat one or two bulbs after they have been peeled early in the morning before breakfast. This allows more nutrient absorption into the body while also maximizing its healthy effects on you.

In Conclusion…

Adding black cloves to your diet, especially when hungry, comes with numerous health advantages. They contain plenty of antioxidants, boost immunity, aid digestion, promote heart wellness, and improve general body functioning, making them worth considering as part of a healthy lifestyle.

https://youtu.be/tGH2-He8vb4?si=l_6orhcogZAiRRwx

• This discussion was modified 8 months, 3 weeks ago by  Gustan Cho.

What is the United States Dollar? Does the Dollar have any creditbility? Does the World respect the U.S. Dollar? Is the dollar going to be worthless in the coming months or years?

Here’s a FUNNY VIDEO of David Letterman pranking customers of a TACO BELL fast food franchise restaurant.

https://www.facebook.com/share/r/vcEu1JodEHY4cHHt/?mibextid=D5vuiz

facebook.com

From 1996 - Dave spends the day taking orders at the Taco Bell Drive-Thru. #davidletterman #letterman #lateshowwithdavidletterman #latenightcomedy #comedy #comedyreels #comedyvideos #funny #funnyreels #funnyvideos | Kevin | pumpkin.escobar13 · Original audio

From 1996 - Dave spends the day taking orders at the Taco Bell Drive-Thru. #davidletterman #letterman #lateshowwithdavidletterman #latenightcomedy #comedy #comedyreels #comedyvideos #funny...

FHA (Federal Housing Administration) loans are a type of mortgage loan program offered by the U.S. Department of Housing and Urban Development (HUD). These loans are designed to make homeownership more accessible to a broader range of people, particularly those with lower credit scores or a smaller down payment.

Regarding two to four-unit multi-family properties, FHA offers a specific type of loan program known as the FHA Multi-Family Loan or FHA 2-4 Unit Loan. Here are some key points about FHA loans for multi-family properties:

1. Property Eligibility: FHA 2-4 Unit Loans are designed for multi-family properties with 2 to 4 separate housing units. This can include duplexes, triplexes, and fourplexes. The borrower must also live in one of the units as their primary residence.

2. Down Payment: One of the advantages of FHA loans is that they typically require a lower down payment compared to conventional loans. As of my last knowledge update in November 2023, the minimum down payment for an FHA loan is 3.5% of the purchase price. This means you can potentially purchase a multi-family property with a relatively small down payment.

3. Loan Limits: FHA loan limits vary by location and are subject to change annually. The loan amount you can qualify for depends on the county where the property is located.

4. Credit Requirements: FHA loans are more lenient when it comes to credit requirements compared to conventional loans. However, borrowers are still required to have a reasonably good credit history.

5. Mortgage Insurance: FHA loans require mortgage insurance premiums (MIP) to protect the lender in case of default. There is an upfront MIP payment, which can be financed into the loan, as well as annual MIP payments.

6. Owner-Occupancy: One of the key requirements for an FHA multi-family loan is that the borrower must live in one of the units as their primary residence. This is known as owner-occupancy and is intended to encourage homeownership.

7. Property Condition: The property must meet certain FHA minimum property standards, which means it should be in good condition and meet safety and habitability requirements.

8. Rental Income: If you’re purchasing a multi-family property with FHA financing, you can use the expected rental income from the additional units to help qualify for the loan.

It’s important to note that loan programs and guidelines can change over time, so I recommend contacting an FHA-approved lender or a mortgage broker for the most up-to-date information and discussing your specific situation if you want to obtain an FHA loan for a multi-family property. Additionally, rules and regulations may have evolved since my last knowledge update in November 2023, so verifying the current requirements is important.

Can you explain what an VA OTC NEW CONSTRUCTION LOAN IS? How do I qualify and get approved for an VA One-Time-Close New Construction Loan? What are the eligibility requirements? How does it work? What is the steps of the mortgage process on the VA OTC NEW CONSTRUCTION LOAN?

Can you explain what an FHA OTC NEW CONSTRUCTION LOAN IS? How do I qualify and get approved for an FHA One-Time-Close New Construction Loan? What are the eligibility requirements? How does it work? What is the steps of the mortgage process on the FHA OTC NEW CONSTRUCTION LOAN?

What is a credit score simulator and how does it work? How will a credit score simulator help me increase my credit score to qualify and get pre-approved for a mortgage? How do I get a credit score simulator? What is the process and steps to get approved for a mortgage with a low credit score?

The best way to rebuild and re-establish your credit is to get three to five secured credit cards and a credit rebuilder account. Besides secured credit cards, consumers should get a credit rebuilder loan. Credit rebuilder loans is offered by banks or credit unions where you open up a savings account. It is normally a certificate of deposit where you make a monthly deposit (you can choose $25, $50, $75, $100 or more). The monthly payments is reflected on the three credit bureaus as an installment loan payment and once the one year comes up, the money is returned to you. With credit rebuilder accounts, after you make four or five payments, you have the option to get a secured credit against your deposit. https://self.inc is the best credit rebuilder account.

self.inc

Credit Builder: Build Credit & Add to Your Savings with Self

Build your credit with Self's Credit Builder Account & secured Self Visa® Credit Card. Ideal for credit building, no hard check, & reports to all three bureaus.

Like to introduce eveyrone to Rhonda Smith, a dually licensed real estate agent licensed in Alabama and an NMLS licensed mortgage loan originator at Gustan Cho Associates NMLS 2315275, a dba of NEXA Mortgage NMLS 166060. @Rhonda

Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates, a dba of NEXA Mortgage.

Rhonda Smith is a mortgage loan originator at Gustan Cho Associates, specifically licensed to operate in Alabama. Gustan Cho Associates is a well-known mortgage brokerage firm, part of NEXA Mortgage LLC, which offers a range of mortgage products and services across the United States.

About Rhonda Smith of Gustan Cho Associates

• Parent Company: NEXA Mortgage LLC
• Coverage: Licensed in 48 states, including Alabama.
• Specialties: The company is known for its expertise in handling loans that other lenders might decline, particularly due to their “no overlay” policy, which means they adheres strictly to agency guidelines without adding extra qualification requirements.

Services Offered by Rhonda by Rhonda

Gustan Cho Associates provides a variety of mortgage services, including but not limited to:

• Conventional Loans
• FHA Loans
• VA Loans
• USDA Loans
• Non-QM Loans: Including bank statement loans and asset-depletion loans for self-employed borrowers.
• Refinancing Options

Contact Information of Rhonda Smith

You can contact Rhonda Smith directly through Gustan Cho Associates for specific mortgage inquiries or to start the loan application process.

Benefits of Working with Rhonda Smith and Gustan Cho Associates

• Expertise: Extensive experience in handling complex mortgage scenarios.
• Customer Focus: Dedicated to helping clients find the best loan options tailored to their needs.
• Accessibility: The team, including Rhonda Smith, is available to guide clients through the mortgage process from start to finish.

Further Information on Rhonda Smith

For more details on the services provided or to contact Rhonda Smith, visit the Gustan Cho Associates website or the specific page for GCA Mortgage. This ensures that potential clients or interested parties clearly understand Rhonda Smith’s role, the services offered by Gustan Cho Associates, and how to proceed with mortgage inquiries.

• This discussion was modified 9 months, 2 weeks ago by  Gustan Cho.

Joe Biden is expected to speak on his scheduled press conference at 530 pm EST. Joe Biden is in the fight of his life especially to show fellow Democrats he does not have dementia and is fit to run for reelection and be the candidate for the Democrats.

Never do another bank statement loan

Quontic’s Lite Documentation loan offers an easier, streamlined process.

• One-page P&L form for quick filing

• Loan amounts up to $3M

• Ideal for self-employed borrowers

Grow your non-traditional borrower business with Lite Doc today!

They also have link labeled for Realtors

https://www.quontic.com

Gustan Cho is the President of Mortgage Sensei and the CEO of Lending Network Inc. Both positions place him at the helm of influential financial organizations within the mortgage and lending industry. Here’s a bit more about each of these roles and the respective organizations:

Gustan Cho

• Role: President
• Focus: Gustan Cho is likely to provide mortgage solutions, consulting, and educational resources for consumers and industry professionals.
• Services: The organization may offer various services, including mortgage brokerage, loan origination, and mortgage education.

Lending Network Inc.

• Role: CEO
• Focus: Lending Network Inc. operates as a comprehensive lending service provider. It may offer various loan products, including residential mortgages, commercial loans, and other financing solutions.
• Services: The company likely provides financial products and services aimed at helping individuals and businesses secure the funding they need. This can include everything from personal loans to large-scale commercial financing.

Contributions and Impact

• Leadership: As a leader in these organizations, Gustan Cho plays a key role in strategic decision-making, business development, and overseeing daily operations.
• Industry Influence: His positions suggest a significant influence in shaping the direction of mortgage lending practices and policies within the industry.

Contact and Further Information

• For more detailed information about Gustan Cho’s work and the services offered by Mortgage Sensei and Lending Network Inc., it would be beneficial to visit their respective websites or professional profiles on business networking sites like LinkedIn.

Unfortunately, detailed information about Gustan Cho’s work and the services provided by Mortgage Sensei and Lending Network Inc. may not be readily available in the public domain. If you require more precise details or wish to contact these organizations directly, consider reaching out through their official websites or professional contact channels.

Visit us at Lending Network, Inc. https://lendingnetwork.org/

• This discussion was modified 1 month ago by  Sapna Sharma.
• This discussion was modified 1 month ago by  Sapna Sharma.
• This discussion was modified 3 weeks ago by  Sapna Sharma.
• This discussion was modified 3 weeks ago by  Sapna Sharma.

lendingnetwork.org

Home - Lending Network, LLC

COMMERCIAL LOANS, COMMERCIAL REAL ESTATE

Do we love our pets too much?

Two-thirds of the people in the United States have pets. If they all voted, they would be the majority. This is a 138 billion-dollar business with nearly 40 million pets.

We treat our pets like members of the family; we have pet spas, pedicures, jewel-studded collars, and boutique hotels disguised as kennels. They are not family; they are animals, and I am one of those pet owners.

Years ago, animals stayed outside; barnyard dogs and stray cats were everywhere. Cats came and went whenever they wanted. Now we have scientific studies and biological proof of why we love our pets. Wounded Warriors has dogs available to vets because dogs understand. A dog will love you more than they love themselves, an unconditional love found nowhere else.

The problem with pets is that they never grow up; they remain children, and we treat them as such. Your pet animals get expensive, and we spend thousands of dollars to keep them alive and healthy. We wheel them outside to do their business and think nothing of it. When do we end their misery? Do we keep them alive because of selfishness?

When you decide to get a dog, or a cat, for that matter, it is a lifelong commitment. What happens when you decide that you made a mistake? Bringing the dog back causes psychological issues; the dog feels abandoned. Fido gave all of himself to you, and you abandoned him. The dog may have a problem with trust; all they want to do is love and please you.

I have had many dogs in my life; my current dog now is 12 years old, and I have sworn to him that I will be with him until his last breath. I know he is here for me until mine.

What are FHA Jumbo Loans?

Few more videos of Chase

Can you get approved for a mortgage loan with 1099 income only versus W2-income?

What are the mortgage lending requirements on investment property jumbo loans. Can you please explain the lending guidelines on traditional and non-QM jumbo loans, the borrowers credit and income requirements, the down payment requirements and closing costs, the maximum debt-to-income ratio, the mortgage rates on non-QM jumbo loans, and the various different types of traditional and non-QM jumbo loans? If you can explain the mortgage process on traditional and non-QM jumbo loans on investment properties, it will be greatly appreciated?

https://www.youtube.com/watch?v=GJIFGv85YEc

What are the requirements for a small home builder to get qualified for ground up one-to-four unit new construction homes. How do you qualify, how do you get pre-approved, what are the guidelines, and what is the mortgage process on ground up one-to-four unit new construction homes?

I realize an investment property is a property purchased specifically to generate profit through rental income, capital gains, or resale. As a legal concept, investment property appears in securities law and business law. However, What Classifies As an Investment Property? How do I qualify for a real estate loan on an investment property? What are the steps of an investment property mortgage loan.

How does VA HOME LOANS work?

Want to tell our members about Derrick Grayson and the video message I saw. I could not believe my ears to hear Mr. Derrick Grayson about all the questionable lies and theories from EVIL and politicians. I will not say too much until you all see Derrick Grayson podcast. You will NOT be disappointed.

https://www.youtube.com/live/qFI4qaGSrMo?si=VwWeAomqrIxrhy1t

• This discussion was modified 8 months, 4 weeks ago by  Gustan Cho.

What are the guidelines and requirements on flip-and-flip loans at Lending Network? How much down payment is required? What are the requirements to qualify for fix-and-flip loans? Can you explain the steps of fix-and-flip loans? Does the borrower need to have experience in doing fix-and flips? What types of properties are eligible for fix-and-flip loans?

Lending Network, Inc. is the commercial lending division of Gustan Cho Associates headed by Gustan Cho. Gustan Cho is the President and Managing Partner of Operations of Lending Network, powered by NEXA Mortgage.

Lending Network, Inc., dually powered by Gustan Cho Associates and Mortgage Sensei, is a commercial financial services company that deals with various business, investment, and commercial mortgage loan products and lending solutions not offered by traditional banks and commercial financial institutions.

What Types of Commercial Loan Programs Does Lending Network Offer

Lending Network has a national reputation for being able to offer business and commercial loans that other financial institutions of business and commercial financial products cannot do. With the backing of the largest residential mortgage broker in the nation, NEXA Mortgage, it is easier to ask us what commercial loan program Lending Network does NOT do. We strive to live by our national reputation as a one-stop lending shop. Lending Network aims to give individualized monetary answers that cater to the distinct requirements of borrowers of business and commercial lending options, even if they do not fit into standard traditional commercial loan qualifications. For more information, please refer to their official website – http://www.lendingnetwork.org

• This discussion was modified 8 months, 4 weeks ago by  Gustan Cho.
• This discussion was modified 1 month ago by  Sapna Sharma.
• This discussion was modified 1 month ago by  Sapna Sharma.
• This discussion was modified 3 weeks ago by  Sapna Sharma.

lendingnetwork.org

Page Not Found - Lending Network, LLC

Page Not Found - Lending Network, LLC

Here are two German Shepherd dogs on a Sunday morning remote car chase.

https://www.facebook.com/share/r/Qys1h3i8SYFXADeA/?mibextid=D5vuiz

facebook.com

| Dustin Lara | realkingsgive · Original audio

. realkingsgive · Original audio

Chase, my big guy, learned not to Chase squirrels and fetch a ball. Not yet 100% but good enough but good enough. Great dog.

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The housing market in Sarasota, Florida and its surrounding area is plummeting. After three years of skyrocketing values, homes in Sarasota, Florida are in major trouble. Home prices are expected to plummet 30 to 40% throughout 2024 into 2025. Home prices in Sarasota, County Florida increased 40% to 50% since 2019. The housing forecast of Sarasota Florida through 2025 is expected to wipe out all of the gains it gained since 2019. The housing market in Sarasota, Florida, has experienced several shifts in 2024. The median home price has seen a slight decline, with the average price for single-family homes around $548,000, down by about 4.7% from the previous year. This decline in prices presents opportunities for buyers, especially as the market has seen an increase in inventory and longer days on market​.

The average time a home spends on the market has risen significantly, from 26 days last year to about 50 days this year, indicating a slower pace in sales​. Additionally, the percentage of homes sold below the list price has increased, with many homes experiencing price drops before selling​.

Despite these trends, Sarasota remains somewhat competitive, particularly in the luxury market, which is driven by affluent out-of-state buyers looking for waterfront estates and island retreats​. However, the market dynamics are shifting towards favoring buyers more than in the past few years, given the increased inventory and slower sales pace.

For those considering entering the market, now might be a good time to buy, given the lower mortgage rates compared to last year and the slight decline in home prices. However, it is crucial to conduct thorough research and work with real estate professionals to make informed decisions​.

If you need more detailed insights or assistance with specific neighborhoods in Sarasota, professional real estate services can provide tailored advice and support.

https://www.youtube.com/watch?v=ssdINDr66Dw