Growing up in Greenwich Village during the 1950s and 1960s allowed me to be exposed to the melting pot of historical writers. Thomas Paine, William Sydney Porter. [O’Henry] Mark Twain and James Baldwin, just to name a few. They all lived in The Village and embraced the Bohemin life style. For many years aspiring writers have flocked there. However, there are also locally born writers plying their craft. Charles Messina, Alfred Caneccchia, Dom Perruccio and myself. I can say I have know Charles Messina since he was born on Thompson Street. Charles has written many screen plays and plays, his latest musical play soon to be on Broadway, “The Wanderer.” Based on the life of Dion DiMucci, Dion and The Belmonts. Al Caneechia has written many books, “Greenwich Village Vignettes,” the Village seen through his eyes. “When Greenwich Village Was Ours,” which I contributed a short story. My buddy Dom Perruccio, he and Charles wrote, “Stomping Ground, Growing Up On The Streets of Greenwich Village,” His latest work is a beautifully illustrated book, “The Adventures of Miss Canoli The Scamp,” a wonderful tribute to his dog.

We will never be as famous as the afore mentioned writers, their creativity has cemented a place in Greenwich Village for current writers and writers of the future. Growing up in Greenwich Village during the 1950s and 1960s allowed me to be exposed to the melting pot of historical writers. Thomas Paine, William Sydney Porter. [O’Henry] Mark Twain and James Baldwin, just to name a few. They all lived in The Village and embraced the Bohemin life style. For many years aspiring writers have flocked there. However, there are also locally born writers plying their craft. Charles Messina, Alfred Caneccchia, Dom Perruccio and myself. I can say I have know Charles Messina since he was born on Thompson Street. Charles has written many screen plays and plays, his latest musical play soon to be on Broadway, “The Wanderer.” Based on the life of Dion DiMucci, Dion and The Belmonts. Al Caneechia has written many books, “Greenwich Village Vignettes,” the Village seen through his eyes. “When Greenwich Village Was Ours,” which I contributed a short story. My buddy Dom Perruccio, he and Charles wrote, “Stomping Ground, Growing Up On The Streets of Greenwich Village,” His latest work is a beautifully illustrated book, “The Adventures of Miss Canoli The Scamp,” a wonderful tribute to his dog.

We will never be as famous as the afore mentioned writers, their creativity has cemented a place in Greenwich Village for current writers and writers of the future. Growing up in Greenwich Village during the 1950s and 1960s allowed me to be exposed to the melting pot of historical writers. Thomas Paine, William Sydney Porter. [O’Henry] Mark Twain and James Baldwin, just to name a few. They all lived in The Village and embraced the Bohemin life style. For many years aspiring writers have flocked there. However, there are also locally born writers plying their craft. Charles Messina, Alfred Caneccchia, Dom Perruccio and myself. I can say I have know Charles Messina since he was born on Thompson Street. Charles has written many screen plays and plays, his latest musical play soon to be on Broadway, “The Wanderer.” Based on the life of Dion DiMucci, Dion and The Belmonts. Al Caneechia has written many books, “Greenwich Village Vignettes,” the Village seen through his eyes. “When Greenwich Village Was Ours,” which I contributed a short story. My buddy Dom Perruccio, he and Charles wrote, “Stomping Ground, Growing Up On The Streets of Greenwich Village,” His latest work is a beautifully illustrated book, “The Adventures of Miss Canoli The Scamp,” a wonderful tribute to his dog.

We will never be as famous as the afore mentioned writers, their creativity has cemented a place in Greenwich Village for current writers and writers of the future.

My latest novella about racial tension in Gulfport, Mississippi in 1950s.

I want to thank my dear friend Peter Arcuri @peter who I highly respect as a client, friend, writer, advisor, and business associate and partner on all he does for the team at GCA, being my advisor, going over ideas and business plans especially with Great Community Authority Forums, and spirituality and life in general. I like to start this forum to share the views of others on their thoughts and opinions of everything that is going on today in the United States and the world. I like to thank Peter for volunteering of taking on the responsibility of being my mentor and professor on studying and mastering the Christian’s view of the Ten Commandments. As I was working i overheard a YouTube video my wife was listening too and asked her what she was listening too. It seemed like whoever was talking, he stole my principles, ideology, and foundation i live by every day and base most of my business decisions and make my decisions on who my acquaintances and friends are. So I yelled to my wife who’s the guy talking on YouTube. She yells back, “THE TEN COMMANDMENTS.” That’s when I text Peter Arcuri. I will explain on a separate subforum on why I requested Peter for taking on the task on educating me on a following subforum at a later date on this thread. Basically, I asked Peter Arcuri, “Peter, can you teach me all about the ten commandments.” Peter’s response: ” Easy. Don’t Fuck Anyone.” Okay. Now I know where this academic thesis of the Ten Commandments will lead to. Here’s what started all this

https://youtu.be/RbIZsTVNu5M?si=1AI7U97dTIU_snot

• This discussion was modified 1 year, 9 months ago by  Gustan Cho.
• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.
• This discussion was modified 1 month, 1 week ago by  Sapna Sharma.

https://www.youtube.com/watch?v=0trHQUkUTUU

Who is this Anthony Fauci? Is he a medical doctor? Does he have a PhD? Does Anthony Fauci a real doctor? Is the information that Dr. Anthony Fauci worked for more than 50 years at the National Institutes of Health worked to manage U.S. public health crises, such as the HIV/AIDS epidemic in the 1980s, the West Nile Virus outbreak in 2009, H1N1, Ebola, Zika and Severe Acute Respiratory Syndrome (SARS), among others true? Did doctor Fauci was leading monster to have created and launched coronavirus and was in charge of developing the coronavirus vaccine to be used as a weapon of mass destruction? Did Dr. Fauci kill thousands of Beagle dogs to use them for lab testing purposes? Is Dr. Fauci a monster or a real doctor who wants to help people?

https://www.youtube.com/watch?v=KxwcdiX9dPI

• This discussion was modified 1 year, 9 months ago by  Danny Vesokie | Affiliated Financial Partners.

Biden Administration is not an inflation fighter

https://youtu.be/plAnR-xxOwA?si=02p7OLrvpvLVk0w0

Americans no longer trust politicians and the mainstream media. Once trust is broken, you can not get it back. Trust was broken with politicians and the media. Ever listen to lying Jim Cramer of MAD MONEY JIM CRAMER show on CNBC? WHAT INFLATION? What do you mean high unemployment? The economy is great 👍. Joe Biden is great. Bidenomics? President Biden is the Navy Seal of Fighting INFLATION 💪 Whooo. We escaped a second GREAT RECESSION. Listen to Janet Yellen and FED Chair Jerome Power about their soft landing. What are they smoking 🚬 🚭 🤔. Please listen to the attached video carefully. It makes all the sense in the WORLD 🌎

https://youtu.be/Jqe0x4gqN_0?si=zm04lNC8PhWgD1XG

https://www.linkedin.com/pulse/confidence-rises-equipment-financing%3FtrackingId=nzVCNxs3Rp2BktR9sWqGbg%253D%253D/?trackingId=nzVCNxs3Rp2BktR9sWqGbg%3D%3D

I could have been tech savvy years ago. I was living in San Mateo, California, near San Jose. I was managing restaurants and my neighbor was working in San Jose. He said to be, “ I got this great sales job and you would be great at it!” I asked what was the job, he replied, “selling chips.” Now I’m thinking chips that was a great job back in New York, if you can get a chip route it paid good money. So I ask, “Lays or Pringles?” He explained micro chips was the latest invention for computers. This was 1988, Silicon Valley was yet to be established. I miss the boat and I never ate potato chips again.

What’s the LTV that an investor can use for rental income? Is it still 75%?

A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.

When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.

I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.

I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!A homily early in Advent last year at St. Paul’s in Tampa, reminded me of a similar homily I heard years ago about prayer. There was a flood predicted and one man refused to heed the warning of the local authorities to vacate before the flood arrived, his answer was, “I will be fine I am praying to God.” Some hours passed and the flood worsened, the sheriff sent a boat to the man’s house to rescue him, “I am fine I am praying to God.” The boat left only to return three hours later and the man still refused to leave. Finally, the man was on his roof praying to God for help when just then a helicopter arrived to save him, still he refused, and he drowned.

When the man was greeted by God at the pearly gates he asked God, why He didn’t help him after praying so hard, God said “ I did help you I sent the sheriff, a boat and a helicopter.” The moral of the story is God answer prayers, maybe not the way we want, but He answers them.

I know God answers prayers, I don’t know how? I have prayed and prayed for things in my life, these prayers were not answered right away. If my prayer wasn’t answered, so I thought, it really was answered and the answer was “no.” God will give us the tools to help ourselves, we have to be aware of them and use them accordingly. I always pray, I wake up and pray, a prayer is constantly going through my head, and so many times the devil enters to trip me up with the words, he wants me to trip and fall so he can help me. It may have worked at one time, not now, and that’s the reason I am writing this story.

I pray to Padre Pio, “pray, hope and don’t worry,” that was Padre Pio’s mantra. I wear a St. Benedict medal attached to my crucifix to keep the devil away. For the last few weeks I have been wearing a Immaculate Mary medal on a black leather bracelet. I was never in the habit of praying to Mary, I do now and it works. My worries and troubles have not changed, but praying to Mary has eased my mind and prepared me for the future with a clearer head. This past Advent I prepared myself for the arrival of Jesus, and I have never felt so serene and so joyous. I know my prayers are being answered. In the end of this life I fully believe that praying has made a difference in my life. Pray!

I like to explore an idea of starting an online message forum. General FAQ questions from the public so local homeowners or real estate investors can ask questions about home improvement. How can I go about creating one and who can I hire.

When Cops crossed the line and violate a citizens civil and constructional rights, they will lose their jobs and get arrested, charged and sued. They are not above the law.

https://fb.watch/opYOfBdZ_T/?mibextid=Nif5oz

Exeter, Olyphant just two city name that claim the best pizza. In fact Old Forge, Pennsylvania lauds as being the “pizza capital of the world”, along with kielbasa. I have eaten pizza all over Italy, John’s on Bleecker Street, Grimaldi’s in Brooklyn, Patsy’s in East Harlem. I even eaten pizza on a grill created by a culinary student from Australia, feta cheese and olives. Love them all! My favorite pizzas from Northeast Pennsylvania are: Angelo’s, Sabatatini’s and Arcaro and Gennel. Next time you are traveling through NEPA stop for pizza, and don’t forget the kielbasa.

A fellow member of GCA FORUMS directed me to ask GCA FORUMS members about generating my own organic traffic for Leads. I have been shit out of luck buying leads.

I have been in the mortgage and real estate industry since 1998. I have been running my mortgage branch for over ten years. During my tenure, I have worked with hundreds of wholesale mortgage lenders. Out of the hundreds of wholesale lenders I have worked with and thousands of loans my team has closed, I find Equity Prime Mortgage the most efficient of all lenders I have worked with. Hands down, it is the best wholesale lender for government and conventional loans with no overlays. EPM is the only wholesale lender in the nation that serves the underdog: The best lender for FHA and VA loans with credit scores down to 500 FICO, manual underwriting, and helping countless families be able to purchase a home during Chapter 13 Bankruptcy payment plan without the bankruptcy being discharged.

My team has been working with EPM since 2018, and to this day, Equity Prime Mortgage remains our wholesale lender of choice. Out of 210 wholesale lending partners in our wheelhouse and network, EPM, hands down, is the best lender I have worked with, am working with, and will always work with. No other wholesale mortgage lender comes close. From our wholesale account representative to the disclosure desk and processing team, underwriters, closing department, and last but not least, the management and executive team, the professionals at EPM have been there for the customer and loan officers. I realized that not all wholesale lenders are alike.

Far from it. When you first deal with Equity Prime Mortgage, any loan officer and branch manager will find out it is no secret that the company has a solid foundation. This is due to the leadership at EPM. Any successful company running as smoothly as Equity Prime Mortgage is not by accident. It all starts from the top down, the rank and file. It is the people that make a great team. The combination of the great teams in a company makes it great. It is the leadership that makes a great company a greater company year after year. I am a firm believer in positive criticisms and not compliments. With positive criticism, you strive to get better. However, EPM has been a Godsend to our team and thousands of loan officers. The team at Equity Prime Mortgage is our silent, unrecognized heroes.

I wanted to share how much we appreciate everyone at EPM. Due to EPM, my team and I have grown exponentially year after year. We are now licensed in 48 states and growing year after year. Amazing is an understatement for the professionals at EPM. Fast disclosures, processing, and underwriting, excellent communication with all areas of the process from underwriting to the closing, and an account rep who is always there to answer a question or assist in getting the loan through. And some of the best pricing in the industry. I highly recommend Equity Prime Mortgage to anyone. If you own a mortgage company, branch manager, or loan officer, you MUST get approved to do business with EPM. I have been in the mortgage industry a long time, and it is obvious that EPM spent time developing their systems and used mortgage professionals in the development process. From the time of submission to issuing your own CD to drawing your own doc instructions, their systems make sense, are efficient, and, despite TRID, you can get loans closed in 30 days or less.

I would like to thank the support and ops staff, our one and only superstar account representative Christian, the processing and underwriting team, the division managers, the professionals who run the closing desk, upper management, and the owners. There are no words to express our gratitude for being our heroes in helping our borrowers, and their families make the dream of homeownership a reality. God Bless.

• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.
• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.

gustancho.com

Best Wholesale Mortgage Lenders For Non-Prime Loans

Gustan Cho Associates looks out for their borrowers by having strong relationships with the best wholesale mortgage lenders for non-prime loans

Over 35% of viewers at Gustan Cho Associates are from Gustan Cho Associates subsidiary and affiliate partnership websites and social media platforms. Due to having a network of 250 wholesale lenders, we have all traditional government and conventional loans with no lender overlays and hundreds of non-QM loan programs. Below is the list of our subsidiaries:

1. GCA Mortgage Group
2. Great Content Authority (GCA) Forums
3. Non-QM Mortgage Brokers
4. FHA Bad Credit Lenders
5. Mortgage Lenders For Bad Credit
6. Jumbo Mortgage Options
7. Preferred Mortgage Rates
8. Lenders For Bad Credit
9. Multiple partner websites and social media platforms

• This discussion was modified 3 years, 1 month ago by  Gustan Cho.
• This discussion was modified 3 years, 1 month ago by  Gustan Cho.
• This discussion was modified 3 years, 1 month ago by  Gustan Cho.
• This discussion was modified 1 year, 9 months ago by  Gustan Cho.
• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.

So this teacher decides to give her 5th grade class an essay assignment. She asks the class, “What would you do with a million dollars?” All the kids start scribbling sentences, when off to the side sat this young just staring ahead. The says, “ Linda, did you not understand the question?” The girl responds, “ yes, ma’am I did, I’m waiting for my secretary.

Want to thank my dear friend @TriciaJ Tricia James our favorite preferred wholesale Mortgage Lender who has brought it to my attention of Animal Care LA County Shelter who are overwhelmed with dogs and cats in desperate need of foster care and permanent forever homes. I think this great organization needs help I am all in

https://www.facebook.com/share/p/jVxynCH7FFk7BUS9/?mibextid=oFDknk

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Debt-to-Income ratios is the most important factor besides credit scores when it comes to qualifying and getting approved for government or conventional mortgage loans. Debt-to-income ratios determine the borrower’s ability to repay their mortgage loan. Here is an easy to read guide about debt-to-income ratios

FHA Debt-To-Income Ratio Requirements

https://gustancho.com/fha-debt-to-income-ratio-requirements/

gustancho.com

FHA Debt-To-Income Ratio Requirements

FHA Debt-To-Income Ratio Requirements is 46.9% front and 56.9% back-end on AUS-approved. 40 front and 50 back-end on manual underwrites.

Baseball and sports.

I am a baseball fan a Yankee fan for life. I grew up in the days of Mickey Mantle during the sixties. Of course, I played football and lots of basketball. I didn’t play hockey, but my wife being a huge hockey fan, I had no choice but to cheer her team on. Out all the afore mentioned sports, baseball is the only one to start on time. The only game with a clock keeping time, starts on time. First pitch is 1:04 for a day game,you could set Big Ben by the start of a baseball game. Football kick-off 3:20. No way! There first must be a half dozen commercials to air. Basketball same thing 7:20 tip off, not even close! Ads, ads, and ads.

Baseball just ticks away slowly, some call it the game for intelligent people. Like chess it moved slowly, watching a chess game is as boring as siting in the nose bleed bleachers in a baseball game without a radio. You can’t see the game or hear the game. Don’t keep started on watching golf or bowling!

Penalties in sports, sorta not fair. Kicking dirt on an umpire in baseball, you get throw out of the game. Fist fight in a basketball game, suspended two weeks, excessive brut force in football, four game suspension. Hockey all blown out boxing match with blood oozing. Two minutes in the penal box, next period you do it again.

You can be the best of the best mortgage loan originator, mortgage sales manager, mortgage branch manager, or mortgage company owner but without customer leads, what good is it. You can be a doctor with the cure to cancer but if nobody knows about it, what benefit does it have to society. You can graduate from Harvard, Yale, or Stanford Law School and have interned for Supreme Court Justices and be the best litigator in the world but without clients, you will not make descent money and may be eating Ramen noodles eveyday. However, you ever see those commercials in the wee hours in the mortgage from ambulance chancer attorneys? The lawyers that advertise they can get you millions for your injuries? Well, most of those lawyers are law school graduates who barely graduated and took them three, four, five times to pass the BAR exam and get licensed. But those lawyers are the ones that are making millions because they know how to market. Whether from organic traffic from the search engines, paid Google Ads, or television infomercials, they are marketing genius and are reaping the rewards due to reaching out to their audiences. That is how organic traffic through Google and search engines is key for loan officers and real estate professionals.

In this eLearning FORUM, I will cover how I started my mortgage website and the learning curve of my website to go viral. I am now counting nothing but organic traffic for my team of loan officers and am able to help other loan officers interested in getting organic traffic for their loan origination business. Nobody helped me while I was growing my online mortgage loan origination business so I want to give the community back by sharing my road to learning on my own through trial and error. This eLearning Forum on how to generate organic traffic from the search engines will be a series on what I had to go through, the hurdles I encountered, and the challenges that I am still facing. I created an online business marketing platform through Viral Website Developers and the Great Community Authority FORUMS (GCA FORUMS) where me and my digital marketing and technical team can offer a few select mortgage and real estate professionals a pilot program to expand my business model in an expedited system where you are able to get organic leads without paying in a fraction of the time it took me. When I first started my career as a full time mortgage loan originator, in April 2012, I tried everything possible to get leads. I cold called realtors, accountants, financial planners, and attorneys. Nothing gave me instant gratification so I explored buying leads. The very expensive leads were successful but cost $500 to $1,000 per lead. I could not afford that kind of money, therefore I purchased dollar leads. Boy was that a clustermess and stressful. I was calling these dollar leads to get yelled at from people without jobs and 400 credit scores getting called loser, get a real job, and many other humiliating names. I decided I wanted to be like Zillow and develop my own website. I created my own website on January 3rd, 2013 and went to work. I purchased my domain from GoDaddy and had a website company create a mortgage website with my newly purchased domain. To this date, I have never purchased a mortgage lead since I created and launched and started my website on January 3rd, 2013. The reason I started my website.

I did not know much about technology nor generating organic leads to originate loans. However, I set my mind that was what I wanted to do and started on my journey. I hired multiple so called SEO experts and none were successful. These so called SEO experts are nothing but fortune tellers and normally just want your money the only thing they are great at is talking out of their ass’s. From the time I created and started my website, I must have re-started my website from scratch at least 20 times or more. I knew that content was king so I started with posting content seven days a week. One thing I did not realize was that duplicate content was penalized by Google and the search engines. I then had to scratch all that and trash whatever I posted and get back to the drawing board. I started writing original content and my website started getting some recognition from Google where after six months I was getting a few leads a week where I was able to originate two to three loans a month. It started to work. I did not have a team and all I needed was a few loans a month to make a living. Religiously, I was posting new content daily and my organic unique daily visitors was increasing. During the tenure of owning and operating my website, I always seeked help, hired free lancers, and sought ways of improving daily unique visitors to my website. One thing you need to realize is that nobody will help you increase organic traffic because they consider you as competition. I will go over step by step on my mistakes and the process on developing how I am able to have a team of loan officers, support, operations, and marketing staff from mainly having a large online presence with digital media marketing and social media platform. I will discuss what Viral Website Developers has to offer. We are not website or online tool sales. We are open minded in partnering up with select mortgage professionals in expanding our online platform through Viral Website Developers where it will be a win win for our affiliates, subsidiaries, and partners. By learning what I have gone through, you can have your one-stop online mortgage business including organic lead platform in the fraction of the time it took me. It took me more than ten years to perfect my system. My team at GCA Mortgage Group generated $250,000 million dollars in 2021 with 14 states. The company we were in had high rates on government and conventional loans with only three non-qm wholesale mortgage lenders. 90% of the volume we did in 2021 were from organic leads from the search engines and we did not purchase a single lead. Now, we are at NEXA Mortgage since February 24th, 2022 with 48 licensed states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. There is not reason why team GCA Mortgage Group should not be able to generate one billion in annual production through branch provided organic traffic. We are hiring independent loan officers wanting to have their own branch, and select loan officers who want to be tied to a branch at GCA Mortgage Group. For loan officers who are either sponsored by a member of Gustan Cho Associates or are a member of our branch, you will have the benefits of learning our unique organic lead production system and become an owner operator of the one-stop shop mortgage platform. Stay tuned. We will cover more content on this topic.

I will continue this forum in the coming days.

• This discussion was modified 1 year, 11 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 11 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.
• This discussion was modified 1 month, 1 week ago by  Sapna Sharma.

Wanted to say thank you to Home Inspection Willie Germino. Home Inspector Willie Germino is the President and Chief Executive Officer of WZG HOME INSPECTION in Chicago Illinois. Willie Germino has worked for our family’s construction business when the bank required home inspections for the homes we built to get our draw or final waiver and payment. Highly recommend Home Inspection President Willie Germino of WZG Home Inspection.

Is there God. Is God Real? Is God Good? The Ten Commandments. Who is our Creator? Adam and Eve. Jesus. What is Heaven? Hell? Who is Satan? Who created Earth, the sun, the moon. Life and death. What makes a person Good, Bad, or Evil. Many questions for nonbelievers.

https://www.facebook.com/share/r/iVMwoQ9vr3opJMDz/?mibextid=D5vuiz

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Sharing the gospel to an Atheist in Walmart! Pray for Him 🙏 By @zachary_impellicceiri #dailydevotional #dailydevotion #Godisreal #jesuslovesyou #christian #Christiancontent #christianreels #motivation #Inspiration #truth #instagramforchristians #TheChristiansDeck | The Christian's Deck | thechristiansdeck · Original audio

Sharing the gospel to an Atheist in Walmart! Pray for Him 🙏 By @zachary_impellicceiri #dailydevotional #dailydevotion #Godisreal #jesuslovesyou #christian #Christiancontent #christianreels...

Below are the subsidiaries with a partnership interest or interests in GCA FORUM’s parent company, Gustan Cho Associates

1. GCA Mortgage Group
2. Non-QM Mortgage Brokers
3. FHA Bad Credit Lenders
4. Mortgage Lenders For Bad Credit
5. Jumbo Mortgage Options
6. Preferred Mortgage Rates
7. Multiple partner websites and social media platforms

Anyone in the mortgage and real estate industry knows how complex and confusing it can be—especially the thousands of rules and regulations on traditional, non-QM, and alternative non-conforming mortgage loan programs.

What are jumbo loans? How does it work? Which mortgage lender do you go to get qualified and pre-approved on jumbo loans?

Getting Old

I know we all heard the stories about aging, aging gracefully. Fifties the new forties, sixties the new fifties and seventies the new sixties. I’m here to tell you its all bullshit! I just turned seventy, my mind thinks I’m fifty, until I get down on the ground with out having a plan on how to get up.

Things happen gradually, when someone asks you if you can remember your childhood phone number, you proudly recite it with that smug look. However, you can’t remember the password you created yesterday. Another sign of getting old is when you think you lost your glasses, and their on top of your head. Can’t find your phone, you borrow some else’s to call your number and soon realize you can’t remember your cell number, but you remember you childhood phone number which isn’t doing you much good right now. You hope someone calls your cell. Then you remember its on mute because of too many telemarketers.

Walking into a room and forgetting why you walked into the room in the first place.

Its not all dismal, you try to save money and clip coupons, which you never use. You buy BOGOs and forget you have enough paper towels in the garage to clean up an oil spill in the ocean.

My all time favorite is watching a movie I have already seen. Half way through the movie it hits me, I’ve seen this movie before, but can’t remember the ending. So, I get to watch it all over again, just like a new movie. You walk past a bathroom and figure, what the hell, I might as well go while I’m here.

My tip on investing when you get old, don’t buy green bananas.

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: