The difference between a deed-in-lieu of foreclosure and a foreclosure centers on the process and implications for the homeowner and the lender:

Foreclosure:

• Process: Foreclosure is a legal process initiated by the lender when the homeowner fails to make mortgage payments. The lender takes legal action to seize the home to recover the money owed.
• Impact on Credit: Foreclosure has a significant negative impact on the homeowner’s credit score and can remain on the credit report for up to seven years.
• Public Auction: Typically, the foreclosed property is sold at a public auction, and the lender may still pursue a deficiency judgment if the sale price does not cover the mortgage balance owed.
• Legal Proceedings: Involves court intervention, especially in judicial foreclosure states, where the process can be lengthy and costly.

Deed-in-Lieu of Foreclosure:

• Process: A deed-in-lieu of foreclosure is a voluntary process initiated by the homeowner who cannot make mortgage payments. The homeowner hands over the deed to the property to the lender to satisfy the loan, thereby avoiding foreclosure.
• Impact on Credit: While it still negatively affects credit scores, a deed-in-lieu may be slightly less damaging than a foreclosure. It also shows on a credit report for up to seven years but is often viewed slightly more favorably since it demonstrates proactive management of the default.
• Resolution: This process is generally quicker and less costly than foreclosure. It also avoids the public auction aspect of foreclosures.
• Deficiency Judgment: Typically, a deed-in-lieu agreement includes a provision that forgives any deficiency between the home’s value and the amount owed, though this needs to be negotiated with the lender.

Choosing Between Them:

• Homeowner’s Situation: The choice between pursuing a deed-in-lieu of foreclosure versus undergoing a foreclosure often depends on the homeowner’s specific circumstances, including their ability to negotiate with the lender and the lender’s willingness to accept the deed-in-lieu.
• Lender’s Discretion: Not all lenders will accept a deed-in-lieu of foreclosure, especially if there are other liens against the property, as these complicate the transfer of a clear title.

Both options are ways for borrowers to address financial hardship and impending foreclosure, but they carry different implications for the time required, impact on credit health, and potential financial obligations following the event. Homeowners facing such decisions may benefit from consulting with a financial advisor or a legal professional to explore the best course of action based on their personal situation and the specific terms of their mortgage agreement.

In this forum, we will discuss and cover condotels. What are condotels? What makes a condominium unit a condo hotel or condotel? A condotel is a type of real estate investment that combines condominium-style private ownership with hotel-style management. Here’s how they typically operate and some factors to consider if you’re thinking about investing in one:

What is a Condotel?

• Definition: A condotel is a condominium that is operated as a hotel with a registration desk, cleaning service, and more. Owners can use their unit as a private vacation home and also rent it out as a hotel room when they are not using it.
• Management: The hotel management handles renting out the units, maintaining common areas, and providing hotel-like amenities such as housekeeping, room service, and concierge services.

Features of Condotels

• Amenities: Like traditional hotels, condotels offer amenities such as pools, fitness centers, spas, and restaurants.
• Flexibility: Owners have the flexibility to stay in their unit when it’s available. When they are not using it, the unit can generate income by being rented out.
• Location: Condotels are often located in popular tourist destinations like beach fronts, downtown areas, or near major attractions, enhancing their appeal to renters.

Financial and Legal Considerations

• Financing: Getting a mortgage for a condotel can be more challenging than for a typical condominium. Many lenders view them as riskier investments, which can lead to higher down payment requirements and interest rates.
• Income Potential: The income from renting out a condotel can help offset the cost of ownership. However, revenue can fluctuate based on tourism trends, management performance, and competition from other hotels and rentals.
• Regulations: Ownership and rental rules can vary significantly depending on local laws and the specific condotel’s policies. Potential buyers should review these regulations carefully.

Investment Considerations

• Market Fluctuations: The profitability of condotels can be sensitive to the broader tourism industry, which may be impacted by economic downturns, natural disasters, or other factors reducing travel.
• Management Fees: Owners typically pay management fees for the operational aspects of the condotel, which can reduce the net income from rental earnings.
• Resale Potential: Reselling a condotel unit can sometimes be more challenging than selling a traditional condo due to the niche market and dependency on the tourism sector.

If you’re considering investing in a condotel, it’s essential to conduct thorough research and possibly consult with real estate professionals who have experience with this type of property. They can offer insights into the local market, potential returns on investment, and any legal complexities involved in owning a condotel.

In my opinion, investing in a college education is a total waste of money and time unless you are going to college for a vocational education like plumbing, electrical, mechanic, engineering, computer, technology, or other job training higher education. Of course this doesn’t include going to college to become a doctor, nurse, dentist, teacher, lawyer, architect, mathematician, physicist, or other vocational education. Joining the military is the best education in the world or a junior college to train for a career. Look at this informative video from John Stossel about the College Scam.

https://rumble.com/v4y7h66-the-college-scam.html

rumble.com

The College Scam

Congratulations to the new college grads…. But Economist Bryan Caplan says FEWER people should go to college. Here’s why:

I have a three car Attached Garage. Our dream was buying a large steel building to store classic cars I love to buy. I have room to build but seems like a lot of work. Building permits, concrete, electrical work, HVAC for climate control, etc. I will get this done. Garage space is what deterring me from buying some reasonably priced classic and sports cars. Here a great video clip from VINWIKI

https://www.facebook.com/share/r/HTxu1rVh1qyz2pn7/?mibextid=D5vuiz

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The Biggest Struggle of Car Guys: Garage Issues | The Biggest Struggle of Car Guys: Garage Issues | By VINwikiFacebook

The Biggest Struggle of Car Guys: Garage Issues

What is the lowest credit scores you can have to qualify for NON-QM JUMBO LOANS?

I am looking at Tiny homes and financing. I currently have a few rv parks that i am looking to put in some tiny homes, eventually i would like to make a community of these maybe have up to 40. The homes will be on a permanent foundation with county water and central sewage. I was wondering if anyone has financed these type of projects or tiny homes in general. I will upload a few pictures but am working with an architect for the site plan. I have sites mainly in oklahoma but also in texas and south carolina.

Senator John Kennedy (R-LA) takes the Senate Floor to address the rampant widespread sexual harassment at the FDIC. FROM racial comments to sexual innuendos, to high ranking FDIC officials visiting brothels, the FDIC is totally out of control. Self enforcement of the agency is not possible because the abusive behavior is from top on down. Recent reports have highlighted serious issues of sexual harassment and misconduct at the Federal Deposit Insurance Corporation (FDIC). An independent review conducted by the law firm Cleary Gottlieb, commissioned by the FDIC’s Special Review Committee, revealed pervasive sexual harassment, discrimination, and bullying within the agency. The investigation, which included accounts from over 500 current and former employees, found that these behaviors were tolerated by senior leaders for years, with complaints often met with retaliation instead of being properly addressed.

The report criticized the FDIC’s “patriarchal, insular, and risk-averse culture,” stating that management’s response to allegations of misconduct was “insufficient and ineffective.” It detailed incidents of senior executives pursuing romantic relationships with subordinates and other inappropriate behaviors. Despite these findings, the report stopped short of recommending the removal of FDIC Chair Martin Gruenberg, although it questioned his ability to lead the necessary cultural transformation.

In response to the findings, Gruenberg expressed his remorse and committed to implementing the report’s recommendations, which include establishing an anonymous hotline for reporting misconduct, developing a more transparent process for handling complaints, and ensuring better support for victims.

The situation has sparked calls from both Republican and Democratic lawmakers for significant changes at the FDIC, with some demanding Gruenberg’s resignation. This controversy not only highlights the immediate need for reform within the FDIC but also raises broader concerns about leadership and accountability in government agencies.

For more detailed information, you can refer to sources like Politico, the FDIC’s official report, and Reuters.

See the video clip of Senator John Kennedy.

https://youtu.be/zf3D3vq7bGQ?si=7OwNHPb7tGF7dYg1

• This discussion was modified 7 months, 4 weeks ago by  Gustan Cho.

Look at this short video. This is exactly how NOT to act if you are pulled over by a police officer for a traffic infraction. What a POS idiot.

https://www.facebook.com/100064446381691/posts/pfbid02d2SQgYyP3KtQitMosfSFNPo8k5sgehEWehCxW3f29BTywqVT96iyfUysDUHG2GFZl/?mibextid=9drbnH

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Entitled man has no idea why he’s being pulled over | He thinks he’s above the law… 🙄 | By Daily Mail VideoFacebook

He thinks he’s above the law… 🙄

“Okay class, simmer down, simmer down, this weekend’s reading assignment will be pages one through fifty in “To Kill a Mockingbird.” Yes, Jimmy, you have a question?” Yes’m ma’am, my momma and daddy won’t let me read that book.” Why replied the teacher? “ It’s offense to my parents, it uses the N word.” Jimmy, go home and tell you parents it’s supposed to offend us. Banning books is like banning history, oh wait they want to change that, too because it offends people. You know what happens if you start banning books? Your freedom is challenged. First Mockingbird, next Huck Finn, and maybe the Bible, who knows? American Literature is a history lesson. When John Steinbeck wrote, “Of Mice and Men,” he depicted the era of Depression. Where else would we get a first hand lesson by an eye witness of the Depression. Not many people are still alive to talk about it. Was there a lesson? When Atticus Finch states, “ you will never know a person until you walk in their shoes.” Yes, a big lesson about racism. Huck Finn befriends Jim a slave. Message? Mockingbird and Huck Finn are called, “coming of age,” novellas. When a child starts on one path and sees the other path. A story of personal growth. Mockingbird, similar genre, only he is an adult. An attorney who finally debates racism. They don’t write them like that anymore. There are lessons people refuse to see. You can’t ban books, you are giving up your First Amendment. Next they will ban, “Old Man and the Sea,” because of animal cruelty. He killed a marlin. Oh, wait, the message, did he really kill a marlin? Or was their some other meaning to the story.

https://www.youtube.com/watch?v=Jd5PfO4P6g4

The Curse of the Sopranos

Most everyone has seen the Soprano’s, one of the greatest television shows ever. I was a late comer to the Sopranos when it started in 1999. I was working nights and didn’t have HBO. My sister in New York would call me and tell me about this new mafia comedy set in New Jersey. Of course I knew Jersey mobsters growing up, they differed from New York mobsters. Now, rasicm comes in all shapes and sizes. I was writing for a local newspaper and I was the food and wine editor. Some other writers, who studied journalism were on the staff. They never paid me any mind until the Sopranos, each Monday morning when the discussions should have been about current events, turned to discussions about the TV show, which I had never seen. Always asking me what do this mean, or what does that mean. One question which took me a while to figure out was, what does, “Maname?” I would answer I don’t know what you mean. Then one day I figured it out, “Madonna Mia.” Mother Mary or my mother was the answer.

My sister would still call and ask if I saw the show. I still never saw it. Yes, I am a New York Italian. Not all of us were in the mafia. If you want to piss off and Italian, put ice in your wine, and ask him about the mafia. We all knew who they were growing up. Suddenly, I was looked at as a once member. I tried to dispel this theory, but to now avail.

My sister would call and say have you seen the show and finally I did. It’s a friggin comedy! And the funny part all the ‘boys’ were comics in real life. I remember drinking with Ralph Gigante and he made me pee my pants. I recall when I was treated unfairly in a neighborhood business deal Ralpie spoke on my behalf. He said watch this, we walked into the shop of the unfair person took one look at Ralpie, “The Beast.” and cowarded on the floor pleading, “don’t tell Vinny, please!” The intimidation was a comedy act, like the Sopranos.

I was really perceived as a New Jersey mobster, I would say, “I’m from New York ,” it didn’t make a difference. Fast forward to 2008, I return to New York armed with incomparable wine knowledge. No New York restaurant would hire me, I was too New York and represented the mob. This was difficult to overcome. I was home and I didn’t fit in. Fast forward once again to 2022. My financial advisor shows up at my home one afternoon with real bad news. The first thing he says is, “don’t hit me, but I lose 20 percent of your investment, “please don’t hit!” What the fuck! I think, he’s watching too many Soprano shows. Yes, I am intimidating, I’m big with broken fingers from boxing, and I’m Italian! Now I get it! Okay lets fast forward one more time to 2023. My wife and I at the deli counter ordering cold cuts, that’s what we call them,not sandwich meat, cold cuts. I ask the deli man for a half pond of capicola. My wife asks what’s that, and I answer ‘gabbagoul.” Looking shocked she says, “that’s what Tony Soprano eats!”

The problem with racism is that the book IS judged my its color. Some parts may be true. One time my daughter was having a problem with a guy she worked with in California. Me living in Florida told her, “you know I’ll be on the next flight out, just to talk to him.” And I add, “tell him where I was born and show him a picture and ask him, “do you what to meet my dad?”

The guy never bothered her again. My own daughter was scared of my appearance, but she knew better, she knew me.

Please don’t fear me, and please don’t piss me off.

When an automaker says only 400 cars made worldwide and there’s 500 VIN numbers, what’s up with that. Here’s a very informative video clip classic and exotic auto enthusiasts will find it very interesting. I think before watching the attached video clip, car makers like Ferrari, Lamborghini, and others were legitimate when they produced limited production exotic and classic cars. The Ferrari Enzo is a high-performance supercar produced by the Italian automaker Ferrari. Here are some key features and details about the Ferrari Enzo:

1. Production: The Enzo was produced from 2002 to 2004, with only 400 units made, making it a rare and highly sought-after vehicle.

2. Design: Named after the company’s founder, Enzo Ferrari, the car’s design was inspired by Formula 1 technology. It features a carbon-fiber body, advanced aerodynamics, and a sleek, aggressive look.

3. Engine and Performance: The Enzo is powered by a 6.0-liter V12 engine, producing 651 horsepower. This allows the car to accelerate from 0 to 60 mph (0 to 97 km/h) in just 3.14 seconds and reach a top speed of 218 mph (351 km/h).

4. Transmission: It features a 6-speed automated manual transmission with paddle shifters, providing a rapid and precise gear-shifting experience.

5. Suspension and Brakes: The Enzo is equipped with state-of-the-art suspension and braking systems, including carbon-ceramic brakes, ensuring exceptional handling and stopping power.

6. Interior: The interior is focused on performance, with minimalistic design elements, racing seats, and a digital display providing essential driving information.

7. Legacy: The Ferrari Enzo is considered one of the most iconic supercars of its time, combining cutting-edge technology, exceptional performance, and exclusivity.

The Ferrari Enzo remains a symbol of Ferrari’s commitment to excellence in automotive engineering and design. However, if Ferrari says that they only made 400 Ferrari Enzo supercars, is this correct? What is up with the 500 VIN numbers? If this is true, this is huge international fraud. These cars are multi-million dollar super sportscars and the reason for such high value is due to the limited production numbers.

https://www.facebook.com/share/r/8ckCBEMjx6LECTN1/?mibextid=D5vuiz

• This discussion was modified 7 months, 3 weeks ago by  Gustan Cho. Reason: Spelling error

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Enzo Model Reportedly Produced Beyond Official Claims | Enzo Model Reportedly Produced Beyond Official Claims | By VINwikiFacebook

Enzo Model Reportedly Produced Beyond Official Claims

Only 20 Lamborghini Reventon Ever Made. The Lamborghini Reventón is an iconic and extremely limited-edition supercar produced by the Italian manufacturer Lamborghini. Here are some key details and features about the Lamborghini Reventón:

Production: The Lamborghini Reventón was produced between 2007 and 2009. Only 20 units were made for customers, with an additional car (numbered 0/20) produced for the Lamborghini museum, making it one of the rarest Lamborghini models ever made.

Design: The design of the Reventón was heavily inspired by modern fighter jets, with sharp, angular lines and an aggressive, aerodynamic profile. The car features a carbon-fiber exterior, with a matte finish giving it a distinctive, stealthy appearance.

Engine and Performance: The Reventón is powered by a 6.5-liter V12 engine, producing 650 horsepower. This allows the car to accelerate from 0 to 60 mph (0 to 97 km/h) in just 3.4 seconds and reach a top speed of 211 mph (340 km/h).

Interior: The interior of the Reventón is a blend of luxury and high-tech features, with carbon fiber, leather, and Alcantara materials used throughout. The instrument panel is entirely digital, with two LCD screens displaying vital information in a format reminiscent of a jet cockpit.

Price: When it was released, the Lamborghini Reventón had a price tag of around $1.5 million, making it one of the most expensive cars at the time.

Legacy: The Reventón is often regarded as a precursor to the Lamborghini Aventador, with many design and technological elements influencing the latter model. Its rarity, performance, and design have made it a highly sought-after collector’s item.

The Lamborghini Reventón remains a symbol of Lamborghini’s commitment to pushing the boundaries of automotive design and performance, embodying the brand’s tradition of creating bold, head-turning supercars.

Here’s a video clip of the Lamborghini Reventon Lamborghini enthusiasts may find interesting.

https://www.facebook.com/share/v/qSgCMtdX1T1mHnEc/?mibextid=D5vuiz

• This discussion was modified 7 months, 3 weeks ago by  Gustan Cho.

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Too Good To Be True: Could This Reventón Be Real?! | Too Good To Be True: Could This Reventón Be Real?! | By VINwikiFacebook

Too Good To Be True: Could This Reventón Be Real?!

https://www.youtube.com/watch?v=UYNOeC7f0UY

Chase helped himself to ice cream 🍦 while I was mowing. He knows how to open the refrigerator door. He better not have the shits.

Mowing everyday. Keeps raining here and grass won’t stop growing. Landscapers on furlough until I get caught up on mortgage and thanks to Biden’s Bidenomics, Inflation, and high labor costs. I am ruining my John Deere tractor. Using up tons of Diesel ⛽️. May need to get some goats 🐐 😬 🤔 or some potheads to smoke 🚬 up my grass. Hate mowing. I will probably be mowing all summer ☀️

Budget cuts.

I would like to thank my middle finger for sticking up for me and always there when I need it.

I am a pizza! Caio! I came to this country from humble beginnings, not sure exactly where or when. But, I know I am Italian by birth, somewhere in the south, maybe Naples or Rome. I’m a simple dish made from flour, tomatoes, and cheese; yes, I have evolved and morphed into something entirely different.

Many other countries claim I am theirs; that’s because they all have flatbread with some cheese and tomatoes. I’ll tell you what I wasn’t born with: pepperoni, pineapple, and other toppings. No pepperoni in Italy; it’s soppressata, an Italian sausage.

Gennaro Lombardi was the first Italian to introduce me to America. I grew up on the Lower East Side of Manhattan, 23 1/2 Spring Street in Little Italy, a block away from Mulberry Street. I’m still here after 120 years. He took his recipe from Naples, Italy. Although pizza varies from Italian province to Italian province, I’m still basically the same.

Roman makes oval pizza, Naples’s pizza is round, and Sicilian pizza is square. Now we have thin-crust and deep-dish pizza. New York pizza is different from Italy; in New York, you walk down the street with the pizza folded and olive oil dripping down your arm. The only toppings I’m okay with are anchovies, olives, oregano, and red pepper. I don’t need much; fresh basil is nice to make a Margarita pizza. This pizza displays the color of the Italian flag, red, green, and white.

I really think I am the most popular food in the United States. Lots of countries take credit for me. I was called focaccia, just a flatbread, 2000 years ago. I have seen many things in my life. Did I ever tell you the time I first witnessed wine being discovered? I mean, what goes better with pizza than red wine.

So, I’m lying around just cooling off after just coming out of the oven, waiting to be devoured. All of a sudden, these Romans start throwing all these discarded pieces of fruit, mostly grapes, into a huge terra cotta vat in the corner. After a few days, it began to stink! It smelled like rotten eggs, which I learned was H2S, Hydrogen Sulfide. Whatever gave the Roman Centurian the idea to drink it? I thought for sure he would get sick and vomit. Instead, he suddenly turns to address the Roman Senate and says, “It needs more time.” Two weeks later, the rotting fruit turned into my favorite beverage – wine.

The same was true for cheese years ago; you encourage this mold to grow. The mold is yeast and is cultured into cheese. Many kinds of cheese really stink, so my question always was, “How do you know when cheese is bad?” You can just cut the mold off and eat the rest. I prefer “muzzarella,” aka mozzarella, made from Italian buffalo. The fresher, the better. Yes, I know “muzz” is hard to melt; that’s why the oven is over 1000 degrees.

I love when olive oil is drizzled over me; it tickles! The olive oil simmers, the cheese melts, and the tomatoes are cooked. Boy, do I smell good! I don’t even feel the pizza cutter slice through me. I am a pizza! I am round, square, and oval. Any way they make me; I am a pizza! Bon Appetite!

Are early 1970s C-3 Convertible Corvettes great investments.

https://www.youtube.com/watch?v=Cfu8nsPlglY

My dog is thirsty; he has been thirsty for the last three hours. His bowl is empty, and I don’t really care. My son took him on a long walk, and my dog returned very thirsty. His bowl can’t be more than three feet from me, yet I am unable to get up off my couch and replenish his water. Why? I have PTSD.

This is a crippling disorder that is not only mental and physical; it is a biological disorder. I never thought I would encounter something so physically and mentally disabling.

In brief, I was the first responder at a fatal, freaky accident that took the life of an innocent young girl younger than my daughters. An errant double axle tire came loose from a semi-truck and traveled 400 yards before crushing a girl to death, then bounced back at my wife and I. The tire destroyed our car and came within feet of killing us. I couldn’t save the girl. I carry that guilt.

I wrote a book about my experience some years ago, “Espiritus,” which helped set me on a new writing path to help me cope. Writing is my therapy. I always thought PTSD couldn’t affect me because I wasn’t a soldier who witnessed unspeakable things. PTSD is fairly new; in WW1, it was considered shell-shocked; in WW2, it was called battle fatigue. Vietnam introduced PTSD. Apparently, first responders, police, and firefighters can suffer as well. Anyone can suffer from this disorder. There is no cure, just ways of curbing the edge of this depression.

You go about your daily business, and suddenly you are derailed. There are many triggers.

The more you deny you suffer from PTSD, the worse it gets. Learning self-control of situations that suddenly hit you out of nowhere is something else that happens, and you need to find your “safe place” in your mind when this happens. I have a daily box of tools to delve into. My dog is one of my tools; he is extremely helpful. His unconditional love helps. My daily song for my bride releases my heart; planning and cooking dinner is great therapy, as well as long walks to sync my mind and body.

Finally, the most important part of my daily therapy is pausing several times each day to thank God for my wonderful life, followed by prayers for the young girl who died.

I support Wounded Warriors, and the proceeds from my book are donated to this worthy cause.

Thank you for reading my stories.

Peter Arcuri

I found $20 in the parking lot of the supermarket, so I thought to myself, what would Jesus do?

So I turned it into wine.

I recently posted about the high prices for houses in Florida, especially Tampa. With the diligent help of Gustan Cho, Angie Torres and Donna Davidson, bless her Irish heart, they have come through! There is a place in Florida where the prices are reasonable. A brand new house on a quarter acre. Three bedrooms, two baths for under $270,000 list. Its a bit rural but beautiful. If you are curious about the area contact: Donna Davidson, she ultimately made our dream come true!

I’m not sure where to post this, religion, pets, or hobbies.

Sex before marriage is a sin, unless you do it doggy-style, all dogs go to heaven.

In our Forums, users or visitors can search or find member according to their profession which they used at time of registration.

For this search: – got o member page https://gcaforums.com/members/ and you can see All Type dropdown list, choose the profile type there like if you choose Doctors, the page show all members which select Doctor as their profession or profile type

See attachment for more clearance

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Peter Arcuri is a professional writer and author of four books. Peter Arcuri and his wife Doreen live in Florida. Born and raised in New York, Peter Arcuri is a man of many talents and is a consultant to many entrepreneurs and businesses including GCA Group and its subsidiary partners. Peter Arcuri is also a member of GCA FORUMS and a contributer to the news division of Gustan Cho Associates and third party editor for all GCA Group websites and social media platforms. Here’s a Video by Peter Arcuri tge singing Wine Guy

https://youtu.be/RG1H-KkxwpQ?si=isq4xrXbFNmUTZ87

https://youtu.be/W7nV45YhFG8?si=mvtKdI293ft4s9et

Here’s a funny comedy short from the Johnny Carson show

https://www.facebook.com/share/r/xCqEdP6dVFda6MzV/?mibextid=D5vuiz

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Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show | Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show | By Video Funny1980Facebook

Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show

This is a frequently asked question from many real estate agents on behalf of their homebuyers. There are more and more homebuyers with bad credit than ever before. Many homebuyers with bad credit think they are the worst of the food chain and should not shop for the best mortgage rates. However, mortgage lenders today are starving for business and will work with bad credit borrowers in getting them the best rates. I just saw this guide on can you shop for the best mortgage rates with bad credit and I wanted to share this with everyone. It does make sense. By shopping for a mortgage with the best rates means getting a mortgage with bad credit with low credit scores with no discount points. Discount points are a total waste of money and you will never recoup discount points even on a refinance later when mortgage rates drop.

https://gcaforums.com/shopping-for-best-rates/

Biden Administration cronies are big fat liars. JOE BIDEN and his idiot gang of liars are in a state of denial on the economy. Look at this video Neil Caputo drilling one of BIDEN’S big fat lie on how Biden took over an economy with a 9% inflation and inflation is now under control. Total Bull Shit. Biden Administration screwed up the economy and America.

https://youtu.be/JKMLfPbAn30?si=e7qzTWpNDOPL-S1B