Beautiful German shepherd dog. Long hair German Shepherd dog looks like Chase.

https://www.facebook.com/share/r/rxGtRR78wohmkct7/?mibextid=D5vuiz

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I love you 😍 #dog #reels #puppyeyes | Kaos & Mayhem | Kaos & Mayhem · Original audio

I love you 😍 #dog #reels #puppyeyes. Kaos & Mayhem · Original audio

I am thinking about starting a career in commercial lending? How do I go about starting my foot in the door as a commercial loan officer.

I heard the great news from Gustan that Viral Website Developers will be launching a CRM for real estate agents and loan officers in one platform.. That is great news for realtors who are loan officers because we do not have to go back and forth between two CRM systems. Gloria and I are looking forward to seeing the newly designed one stop shop online loan officer and real estate CRM designed from Viral Website Developers.

You do not need perfect credit or high credit scores to qualify for a mortgage loan. Every loan program require a minimum credit score. Besides HUD, VA, USDA, FANNIE MAE, FREDDIE MAC, or non-QM portfolio lenders requiring a minimum credit score, each lender can impose lender overlays on credit scores. Lender overlays are additional credit score requirements above and beyond the minimum agency mortgage guidelines imposed by each individual mortgage lender. Regardless of the minimum credit scores required, all lenders will normally want to see timely payment history in the past 12 months. Regardless of the prior bad credit you have, having timely payment on all of your monthly debt payments that report on the three credit reports is crucial. Do not worry about prior collections, charge-off accounts, late payments, or other derogatory credit tradelines unless you are going though a manual underwrite on FHA loans. HUD manual underwriting guidelines require timely payments in the past 24 months. VA manual underwriting guidelines require timely payments in the past 12 months. In many instances when you get an approve/eligible per automated underwriting system but late payments in the past 24 months, the lender may down grade your file to a manual underwrite. The best solution for you to increase your credit scores and strenghen your credit profile with recent late payments is adding positive credit with new credit. Please read this guide on how to boost your credit to get approved for a mortgage: Capital One Secured Credit Card will get you a $250 secured credit card with a $50 deposit. Self.Inc is a bank that has a phenomenal credit rebuilder program where you can make a monthly deposit as small as $25.00 per month. That monthly deposit goes towards a savings account but it reports as an installment loan to all three credit bureaus. Get a Discover secured card. Secured credit cards are the same as unsecured traditional credit card. The only difference is you need to put a deposit. The amount of deposit is the amount of credit you get by the credit card company. You need to make timely minimum monthly payments on your secured credit cards. Just start with these three creditors and you will see wonders in the weeks and months ahead. I will cover some quick fixes for you to increase your credit scores fast and at the end of this topic thread, I will list helpful resources on boosting your credit to qualify for a mortgage, how to reach a human at the credit bureaus, and how to rebuild your credit:

1. Capital One Secured Credit Card

2. Self.Inc

3. Discover Secured Credit Card

As time pass and you make timely payments, your secured credit card company will increase your credit limit without asking your to put additional deposit. If you can get more secured credit cards, it will expedite your credit rebuilding process. However, you should at least start with the above three creditors.

Improving your credit scores and rebuilding credit can be crucial when seeking mortgage approval. Here are some effective strategies to consider:

Review your credit reports: Obtain copies of your credit reports from the three major credit bureaus (Experian, Equifax, and TransUnion. Identify and dispute any errors or inaccuracies that may be negatively impacting your credit scores.

Pay bills on time: Payment history is the most significant factor affecting your credit scores. Make sure to pay all your bills (credit cards, loans, utilities, etc.) on time, every time. Set up automatic payments or payment reminders if necessary.

Reduce credit card balances: High credit card balances can hurt your credit utilization ratio, which accounts for a significant portion of your credit scores.

Aim to keep your credit card balances below 30% of your total available credit limit. Consider paying off credit cards with the highest balances first.

Don’t close unused credit cards: Closing credit cards can inadvertently increase your credit utilization ratio and decrease your overall available credit. Keep unused credit cards open, but avoid using them to maintain a low credit utilization ratio.

Increase credit limit: Request a credit limit increase from your credit card issuers, which can improve your credit utilization ratio. Be sure to handle the increased credit limit responsibly and avoid overspending.

Limit new credit applications: Each credit application results in a hard inquiry on your credit report, which can temporarily lower your credit scores. Limit credit applications only to when absolutely necessary.

Use different types of credit: Having a mix of different types of credit (e.g., credit cards, auto loans, personal loans) can positively impact your credit scores. Consider taking out a small loan or opening a new credit card account if you have limited credit types.

Monitor your credit regularly: Check your credit reports and scores periodically to ensure accuracy and track your progress. Consider signing up for a credit monitoring service to receive alerts for any changes to your credit profile.

Be patient and consistent: Rebuilding credit takes time and consistent effort. Stick to responsible credit habits, and your credit scores should gradually improve, increasing your chances of mortgage approval.

Remember, lenders evaluate various factors beyond just credit scores when considering mortgage applications. However, improving your credit scores and maintaining a healthy credit profile can significantly increase your chances of getting approved for a mortgage with favorable terms.

https://gustancho.com/boost-your-credit-with-new-credit/

gustancho.com

Boost Your Credit With New Credit To Qualify For A Mortgage

Boost your credit with new credit to qualify for a mortgage . New secured credit cards and credit builder loans increases credit scores for mortgage

I am a first-time precious metal investor. How do you go about investing in Gold and Silver? Do I need to watch out for scammers? Where do I buy gold or silver? What is the minimum I can invest in Gold and Silver?

To make a team for your business page, first thing is you can add team member if that person follow your business page.

After that go to your business page then click on Followers. Then you can see an option same as in attachment picture.

Select the person which you want to add in your team and also select role for that person like moderator, administrator and member.

If you assign anyone as administrator for your business page then that person can edit whole business page.

assign-team-memberbusiness.png 21 KB Image File - Click to view

Options

• Copy Download Link

Do you enjoy wine? Of course you do! Do you know why? Do you pay attention to wine speak? So many frauds out there that think they know wine. The aroma reminds of wet dog, with a lingering mouth feel that’s tastes like… you can fill in the rest. Many people talk dry, but drink sweet. Yes, most wine drinkers enjoy reds, I enjoy all of them they all have a place at the table. From a Romanee Conte to a white Zinfandel. And screw the theory of white wine only with fish. If I’m grilling salmon it’s a Pinot noir all the way. Okay, enough for know if you want to learn more let’s chat. By the way I’ve been drinking wine since I was seven. I’m Italian after all. I studied viticulture, grew grapes, made wine, won medals. Taught home wine making I am a sommelier or a better description, A Wine Guy, a moniker I have had for years. For more information about me let’s talk.

Los Tres Lagos Mexican Restaurant in Paddock Lake Wisconsin provides the best authentic Mexican cuisine in Paddock Lake, Kenosha County, Wisconsin Real homemade Mexican food. Dine in or carry out. Phone number 262-586-5026. Open 7 days a week 10 am until 9 pm. Lunch and dinner. 24231 75th Street, Paddock Lake, Wisconsin 53168. Main Restaurant in Sturtevant, Wisconsin. 8609 Durand Avenue, Sturtevant, Wisconsin 53177. 262-886-8686

Can I use AI to write unique SEO driven blogs for my mortgage website to get rank in the search engines?

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http://www.gcaforums.com

• This discussion was modified 9 months, 3 weeks ago by  Gustan Cho.

Google plans to release the update and a few new tools to assist you in the middle of June. You can potentially lose traffic if something is wrong. I will post in detailed, “what is page experience?” soon.

Stay tuned for more information…….

@Steve , here’s the website that I told you about. @Regisregal Cynthia Kelly is a top German Shepherd breeder but she’s in Illinois

https://www.hoobly.com/s/us?q=German+Shepherd+

Go to a specific business page like https://gcaforums.com/business/gca-mortgage-group/ and then click on Inbox and send the message.

If you are not able to send the message there that’s mean admin of that business does want to receive message through inbox. So you can only send message if admin of business set setting on from setting -> Add Action Button .

Chapter 13 Bankruptcy is normally a five year payment plan by the U.S. Bankruptcy Court. Five years is a long time. During the five year repayment plan of a Chapter 13 Bankruptcy, how can you buy a house? Are there mortgage lenders that will lend on homebuyers who are in an active Chapter 13 Bankruptcy repayment plan? How does Chapter 13 affect getting a mortgage? How long do I have to wait to purchase a house after Chapter 13? Can you get an FHA loan while in Chapter 13?

Mortgage rates today have been steadily declining. What are Mortgage Rates today?

Good day folks. Spoke with a loan officer of GCA Mortgage Group over the phone and he suggested I ask this question on GCA FORUMS and address @Ali of Aldiva Credit Repair. Is Credit repair legal in Georgia?

How can you automate marketing for loan officers and real estate agents during tough times like now in the mortgage and real estate market.

Many of you heard the term Soft Landing in our economy. Most consumers never literally lived through a horrific downturn of the U.S. economy as the economic turmoil we are going through now. Our economy today is worse than the 2008 financial, credit, and real estate crisis of 2008 by a long shit. The financial and real estate meltdown of 2008 is a thunderstorm compared to today’s Category FOUR HURRICANE comparison in our economy. However, the biggest liars such as Jim Kramer of CNBC, Joe Biden, Treasury Secretary Janet Yellen, and Federal Reserve Board Chairman Jerome Powell is all telling us that inflation is in check and we had a soft landing and the economy is just fine. These incompetent liars are absolutely clueless and all they are great at is printing money. Inflation, housing, job, CPI, and other economic numbers are all a lie and we are not even close for our economy that is in turmoil to have a soft landing. Remember this year is an election year and the nasty incompetent politicians need to get reelected so they can follow in Joe Biden’s footsteps in being a tenured career politician being an incompetent politician for over 50 years without having one single job in the private sector.

How does Reverse Mortgages work?

With all this talk about the United States printing money, and running 31 trillion dollars in deficit, should the United States buy Gold and Silver?

Where can I get the best mortgage rates?

Many of our viewers are asking about ITIN loans. FAQs are can I get a mortgage loan with my ITIN number? What are ITIN loans? How much down payment is required to buy a house with my ITIN number? What documents are required to buy a house with an ITIN number? Can I use my ITIN number to get a credit score and establish credit? ITIN loans are designed for borrowers who have an Individual Taxpayer Identification Number (ITIN) but lack a Social Security Number (SSN). They offer a pathway for individuals who are not eligible for an SSN, often non-citizens, to purchase a home.

Frequently Asked Questions (FAQs)

1. Can I Get a Mortgage Loan with My ITIN Number?

   • Yes, many lenders offer mortgage loans specifically for ITIN holders. However, not all lenders provide them, so it’s essential to find those that specialize in these loans.

2. What Are ITIN Loans?

   • ITIN loans cater to individuals without SSNs. These loans help borrowers with an ITIN prove their creditworthiness and qualify for a mortgage. Lenders typically review their credit history, income, and financial stability.

3. How Much Down Payment Is Required to Buy a House with My ITIN Number?

   • The down payment requirement typically ranges from 10% to 20%, often higher than conventional loans. The exact amount depends on the lender’s criteria, credit history, and the borrower’s financial profile.

4. What Documents Are Required to Buy a House with an ITIN Number?

   • Proof of Identity: ITIN card or letter, passport, or other government-issued IDs.
   • Bank Statements: Usually 12 months of statements to verify financial stability.
   • Tax Returns: Two years’ worth of tax returns filed with the ITIN.
   • Proof of Income: Pay stubs, invoices, or other documentation showing consistent income.
   • Employment Verification: Documents showing stable employment or self-employment.

5. Can I Use My ITIN Number to Get a Credit Score and Establish Credit?

   • Yes, ITIN holders can build credit by opening credit accounts like credit cards or loans. Make sure to work with lenders who report to the credit bureaus. A good credit history can improve your chances of obtaining an ITIN loan.

The team at Gustan Cho Associates can help you qualify and get pre-approved for a mortgage loan with an ITIN number.

• Research Lenders: Look for lenders specializing in ITIN loans, as they are more familiar with specific requirements.
• Improve Financial Stability: Demonstrate consistent income and a stable credit history.
• Seek Financial Counseling: Consider speaking to a financial counselor or mortgage broker who understands ITIN loans to guide you through the process.

Home staging is the process of preparing a home for sale by making it look as attractive and appealing as possible to potential buyers. The goal of home staging is to help buyers envision themselves living in the space and to highlight the home’s best features. Here are some key aspects of home staging:

1. Decluttering and depersonalizing: Removing excess furniture, personal items like family photos, and clutter to create a sense of openness and allow buyers to imagine their own belongings in the space.
2. Furniture arrangement: Rearranging and sometimes renting furniture to showcase the flow and function of each room optimally.
3. Deep cleaning: Ensuring the entire home is thoroughly cleaned, from windows to carpets, to create a fresh, move-in ready feeling.
4. Curb appeal: Enhancing the home’s exterior by power washing, landscaping, and making the entrance inviting.
5. Repairing and updating: Attending to minor repairs like patching holes and updating elements like light fixtures to give the home a well-maintained look.
6. Style and accents: Using stylish yet neutral decor pieces, fresh linens, pillows, and accents to give rooms an updated, model home appearance.
7. Staging vacant homes: For empty properties, staging companies bring in rental furniture and decor to make the space feel warm and livable.

Home staging aims to appeal to the highest number of potential buyers by making the home look its absolute best while remaining neutral enough for buyers to envision their own style. Studies show well-staged homes tend to sell faster and for higher prices.

Chic interiors and home staging are key elements in creating a stylish, inviting, and market-ready home. Whether you’re decorating for personal enjoyment or preparing to sell, understanding these concepts can make a significant difference.

Chic Interiors

Chic interiors are defined by their elegant, fashionable, and timeless qualities. Key elements include:

1. Neutral Color Palette: Soft tones like white, beige, gray, and black provide a sophisticated base. Accents in metallics, pastels, or bold colors can add personality.
2. Quality Over Quantity: Invest in high-quality furniture and decor pieces. Fewer, well-chosen items can make a bigger impact than cluttering the space with too many things.
3. Mix of Textures: Combine different materials like velvet, leather, wood, and metal to create depth and interest.
4. Minimalist Aesthetic: Keep spaces uncluttered and streamlined. Use sleek, modern furniture with clean lines.
5. Statement Pieces: Incorporate standout items like a designer chair, a piece of art, or a unique lighting fixture to add a focal point to the room.
6. Functional Design: Ensure that the design is not only beautiful but also practical. Furniture should be comfortable and arranged for ease of movement and conversation.

Home Staging

Home staging involves preparing a property for sale by making it appealing to the highest number of potential buyers. Key aspects include:

1. Decluttering and Depersonalizing: Remove personal items and excess furniture to make the space look larger and allow buyers to envision themselves living there.
2. Neutral Decor: Use neutral colors to appeal to a broad audience. This helps buyers focus on the home itself rather than the decor.
3. Furniture Arrangement: Arrange furniture to highlight the flow and function of each room. Create cozy conversation areas and ensure there’s enough space to move around.
4. Lighting: Use a mix of ambient, task, and accent lighting to create a warm and inviting atmosphere. Ensure all lights are functioning and rooms are well-lit.
5. Curb Appeal: Enhance the exterior of the home with fresh landscaping, clean walkways, and a welcoming front entrance.
6. Clean and Fresh: A clean home is more appealing. Pay attention to details like fresh paint, clean windows, and pleasant scents.

Tips for Combining Chic Interiors and Home Staging:

1. Focus on Key Rooms: Prioritize staging the living room, kitchen, master bedroom, and bathrooms. These are the areas buyers focus on the most.
2. Highlight Features: Use decor to draw attention to the home’s best features, like a fireplace, large windows, or architectural details.
3. Use Chic Decor: Incorporate chic elements like stylish throw pillows, modern artwork, and elegant lighting fixtures to elevate the overall look.
4. Update Strategically: Small updates like new cabinet hardware, fresh paint, and updated light fixtures can make a big impact without a significant investment.

Resources and Inspiration:

1. Interior Design Magazines and Websites: Publications like Architectural Digest, Elle Decor, and Houzz offer inspiration and tips.
2. Professional Stagers: Consider hiring a professional home stager for expert advice and hands-on help.
3. DIY Resources: Books, online courses, and DIY blogs can provide step-by-step guides to achieving chic interiors and effective staging.

By combining the principles of chic interior design with strategic home staging, you can create a beautiful, inviting space that appeals to both you and potential buyers.

I heard conflicting stories about DACA recipients being able to get access to government assistance programs to overcome financial barriers, particularly for down payments to buy a house in the United States. Is there such a thing as DACA FHA Loans. I know FHA loans offer lower down payment requirements at 3.5% at certain credit rating levels, compared to 5% for conventional mortgages.Are there non-QM loans available for DACA recipients?

What are building permits for renovations for your home? When are building permits required? Why are building permits required? Do building permits increase your property taxes?

Do all states or counties in states require permits on Accessory Dwelling Units often referred to as ADUs? I like to put an accessory dwelling unit for additional rental income due to bidenomics and the out of control inflation and cost of living.

Do counties in Florida require permits to build an ADU or tiny home in Florida? From what I heard accessory dwelling units and tiny houses can be built on private property as long as they meet the zoning and building codes of the specific local jurisdiction. Some counties and municipalities have specific regulations for tiny houses, including minimum square footage requirements and foundation specifications.

• This discussion was modified 10 months ago by  Gustan Cho.

I own a property on five acres in Austin and I was thinking of building an accessory building unit on my property to use as an in-law suite or ADU for additional rental income. Can I build a tiny house or ADU on my property in Texas WITHOUT a building permit and a bunch of red tape??

All neighborhoods in the country will require permits for accessory dwelling units, commonly referred to as ADUs. Here is the general permitting process for accessory dwelling units;

https://www.youtube.com/watch?v=tzu3uGaOH4g

“FHA loans” typically refer to mortgage loans insured by the Federal Housing Administration (FHA), which is a government agency in the United States. FHA loans are designed to make homeownership more accessible, especially for first-time buyers and those with lower credit scores. The term “high balance FHA loans” may refer to FHA loans that exceed the standard loan limits.

FHA loan limits vary by location and are influenced by the median home prices in a particular area. In areas with higher home prices, the FHA sets higher loan limits to accommodate the cost of living. These higher loan limits are sometimes referred to as “high balance” or “high-cost area” loan limits.

Borrowers seeking FHA loans in areas with higher home prices may be eligible for a high balance FHA loan, allowing them to borrow more than the standard FHA loan limit. The specific loan limits can change annually and are influenced by factors such as changes in the housing market.

It’s important for borrowers to check the current FHA loan limits for their specific area and understand the guidelines set by the FHA. Additionally, borrowers should work with a qualified mortgage lender who can provide information and assistance in navigating the FHA loan process. Keep in mind that borrowing limits, interest rates, and other terms may vary among lenders, so it’s essential to shop around for the best loan terms that fit your financial situation.

A1C, or glycated hemoglobin, is a blood test that reflects average blood sugar levels over the past two to three months. It is often used to diagnose and monitor diabetes. The test measures the percentage of hemoglobin—the oxygen-carrying protein in red blood cells—that has glucose (sugar) attached to it.

When blood sugar levels are elevated, more glucose binds to hemoglobin, leading to a higher A1C level. The results are expressed as a percentage, with higher percentages indicating higher average blood sugar levels.

For people without diabetes, the normal range for A1C is typically below 5.7%. An A1C level between 5.7% and 6.4% may indicate prediabetes, while an A1C level of 6.5% or higher is often used to diagnose diabetes.

A1C testing is valuable for managing diabetes because it provides a longer-term view of blood sugar control compared to daily glucose monitoring. Healthcare professionals use A1C results to assess the effectiveness of diabetes treatment plans and make adjustments as needed. Regular monitoring of A1C levels is an important part of diabetes management.