I guess I am going to fess up what happened yesterday. Saturday mornings is hectic for me. First, I live in a rural area, Brighton, Wisconsin which is close to the Illinois and Wisconsin border. Instead of garbage workers picking up weekly trash once a week, I many residents in my town go to the town hall parking lot where two large garbage truck is parked to collect the townspeople trash. I was going to blow off going to the dump at town hall but got notice that my Chase bank account was overdrawn. I got a BMO Harris account too but did not know how to Zelle from one account from one bank to a different account in a different bank. I said fuck it and I might as well go to the dump if I had to go to BMO HARRIS to learn how to use Zelle. I packed my SUV full of my weekly garbage and headed off to town hall to have the sanitary workers unlead the garbage. I then head of to BMO Harris which was about seven miles from town hall in Salem, Wisconsin. I did not realize that I did not have online banking and you cannot open a Zelle account at two different banks with the same email address. I arrived at BMO Harris Salem, Wisconsin branch around 10:30 am. I was greeted by Kylie at the customer teller counter. Kylie analyzed my checking and savings accountd and was dumbfounded for a little while. She then got assistance from her colleague Shannon. They both try to rigure it out themselves and something was not adding up. Therefore, they contacted the regional help desk center of BMO Harris in front of me and got to investigate why I had an online account but could not use it and why I could not send a $77 dollar overdraft I owed Chase. Banks normally close at 12 pm or 1 pm on Saturdays. Kylie and Shannon diligently worked very hard to get me all set up. The reason why my Zelle account at BMO Harris would not work was because my online banking was not quite set up. Kylie and Shannon set up my online banking, set up my Zelle account, and updated all of my digital online banking information such as the current email address, personal cell number, and ordered new checks. Frank at the teller counter has also helped. I have dealt with Frank for over a year at the Salem Wisconsin Branch of the Salem, Wisconsin Branch. I am sold now why BMO Harris Bank has such a great reputation. It is the people that make a great company and now I know why. Like to commend upper management for having such a great team of professionals at BMO Harris Salem, Wisconsin.

Spoke with Gustan and he mentioned his friend is a professional German Shepherd training professional. What are Dutch Shepherd dogs.

Here’s the link to Mark Chen trained Dutch Shepherd dog.

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

Chase, one year old German Shepherd long hair puppy learns how to sit in less than a day. I showed him what I expect from him when I said sit yesterday afternoon for 30 minutes and today he knew what it meant. He sat on command 100% of the time. He was having a hard time initially but eventually sat when told to do so.

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If you are a loan officer, how do you start your own mortgage net branch and operate under a P and L. What type of requirements is necessary to have your own business as a P and L mortgage net branch? @Bill Burg

Tom Homan rips the Biden Administration due to not continuing on what former President Donald Trump started on building the WALL and made matters worse with having tens of thousands illegally cross the border from Mexico to the United States. Karine Jean-Pierre and other Joe Biden handlers are talking out of their rear ends trying to protect the image and reputation of the elderly Joe Biden where there are talks from many his dementia and mental illness is deteriorating at a rapid rate and his days are number. Besides Tom Homan, other high level Washington top guns from both sides of the isles are not having too much faith on Joe Biden even making it to the November 2024 Presidential election. Biden’s handlers are advising Joe Biden to step down but the senior Biden is struggling and deteriorating at a rapid space.

https://youtu.be/Hpd1GrIuzfM?si=St1eY81OWJuwyabE

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

What is a Shiloh German Shepherd compared to a standard German Shepherd dog? I heard a Shiloh German Shepherd is a mixture between a German Shepherd and Alaskan Malamute and are larger and live longer. Can someone explain?

What is the requirements for a borrower to be eligible for bank statement mortgage loans? Do you need to have a bona fide business to be eligible for bank statement loans? Can a sole proprietor without an LLC, corporation, or legal partnership be eligible for bank statement loans? Can W2 wage earners qualify for bank statement loans? Can 1099 wage earners qualify for bank statement loans? If I am a cash wage earner buying and selling cars without a legal form of business, can I qualify for bank statement loans? Does the lender need to see income tax returns? How many years in business do you need to be to qualify for bank statement loans. Do you need to be self-employed to be eligible for bank statemnent loans? Can you have a co-borrower that is a W2 wage earner on the main borrower is self-employed? How is qualified income calculated on bank statement loans on personal and business bank statements. Can you use both personal and business bank statements? Thank you in advance @Annie @Dale_Elenteny @john @John_Strange

This subforum will train our digital media marketing team how to do a rewrite and updating older blogs to fresh content. Google and other search engines want new fresh content for maximum SEO on the search engines. Just because your article has hundreds of keywords and is ranking on first position on Google and other search engines does not mean that is will continue to do so. Google and other search engines want the most updated information on its organic search engines for their viewers. All publishers should take Googles recommendations seriously and update their content to be userfriendly with the most recent and accurate information. This includes videos, infographics, and clear H1 and H2 titles. We will take an example of how older blogs should be rewritten and updated.

This is an older blog from 2018 that we will use as a case scenario and how I am updating it. Instead of writing a brand new blog that is similar or the same H1 TITLE, go back to the older blog that has the title you want to write and get that blog updated. Otherwise, if you write a brand new blog of similar or the same H1 and H2, Google will penalize you for having duplicate content. Plus updating older content will get you a higher boost and creditbility for SEO and even get you more keywords to the keywords you already have.

Here is the blog that I am rewriting from Gustan Cho Associates : Cash-Out Refinance Mortgage Loan Eligibility Guidelines and here is the URL https://gustancho.com/cash-out-refinance-mortgage-loan/

Take a look at how I am rewriting blogs and adding new content. I have screenshots attach and if you can follow how I am progressing so we are all on the same page, you will not get confused and follow this tutorial. GCA Mortgage Group is going to expand our Digital Marketing and Social Media Team so it is important that Anngelli and April is going to master this because you two ladies will be the Chief Management Instructors to run this program. I want to be consistent. I want Ravinder Sharma to check the rankings prior to the rewrite and update and after the rewrite and analyze the data and ranking of how much the rewrite and update has improved. Let’s go ahead and do a cash scenario with this blog Cash-Out Refinance Mortgage Loan: Again, here is the URL URL https://gustancho.com/cash-out-refinance-mortgage-loan/: These steps need to be followed:

1. Check the H1 TITLE. Is it too long? Does it make sense? Check Google and see what better name is there. Try to keep the URL the same and NOT change
2. Update date to current date (look at the screenshot. You see the screenshot before and after. Do not have space between one H2 body.
3. Separate the H2 body with a two liner quotation sentence related to the body. (See attached screenshots)

SECOND H2 BODY Use Title: Go to Google and Search Cash-Out Refinance Mortgage Loan (See Image)

1. Look at “People Also Asked” (Look at attached screenshot: Is cash-out refinance a good idea?

   Key takeaways. The benefits of a cash-out refinance include access to money at potentially a lower interest rate, plus tax deductions if you itemize. On the down side, a cash-out refinance increases your debt burden and depletes your equity

2. Try to use the text from People Also Asked subtitle H2 : Is Cash-Out Refinance Loan a Good Idea (Look at Image)

3. Look at third H2 body Term and Rates on Cash-Out Refinance Mortgage Loan. Two line quotation should be every other H2 body paragraphs (look at image)

You guys are doing a great job but let’s all stay uniform: I will continue on this topic on a separate email. I want to work with each of you the next blog you rewrite. Let me know once you update and rewrite and let’s get on ZOOM together so I want to review. Call me after each of you finish writing the next blog. I will make modifications and let’s go over it. Lets talk tomorrow morning. We will have multiple series for this FORUM. We will continue Part II on the next series:

Here is the finish product

• This discussion was modified 1 year, 1 month ago by  Gustan Cho. Reason: Forgot image

gustancho.com

Cash-Out Refinance Mortgage Loan Eligibility Guidelines

Cash-Out Refinance Mortgage Loan on FHA is 80% LTV, Conventional is up to 80% LTV, VA loans is 100% LTV, Non-QM loans is 80% LTV.

Here is WORDPRESS REWRITE and UPDATING CONTENT PART II. Here is the continued instructions on how I update and rewrite the blogs: I will send you the screen shots:

Go to ChaptGDP and enter the H1 Title Cash-Out Refinance Mortgage Loan Eligibility Guidelines

1. Copy and paste the text of ChaptGDP and enter into Grammarly (Look at attached screenshot)
2. Click the Plagirsm icon on the right bottom (Look at attatched screenshot)
3. Look at the highlighted body Grammarly is suggesting that it is duplicate content: Delete and rewrite the plagirsm content (Look at attached screenshot)
4. Continue rewriting suggested deleted content until the Plagirsm is less than 7% (Look at attatched screenshot)
5. Copy and paste and post on the main WordPress blog (Look at attached screenshot)
6. Start breaking the new content from ChaptGDP and blend into the main WordPress blog (Look at attached screenshot)
7. Use Title PEOPLE ALSO ASK from Google as new H2 subtitles for new body (Look at attached screenshot)
8. Once done, Check Rank Math which we will continue on the next and final part of this tutorial.

We will next go to WORDPRESS REWRITE AND UPDATING CONTENT PART III

Fix-and-flip loans are short-term real estate financing used by real estate investors to purchase and renovate properties for resale (flipping). These loans are typically used when investors want to acquire a property in poor condition, make improvements or renovations to increase its value, and then sell it quickly for a profit.

Here are some key features of fix-and-flip loans:

1. Short-term loans: Fix-and-flip loans are typically short-term loans with terms ranging from a few months to a couple of years. They are designed to be repaid quickly, usually after selling the property.

2. Purpose: The primary purpose of fix-and-flip loans is to fund the acquisition of property and cover the costs of renovation and repairs. Investors use these loans to “flip” the property for a profit.

3. Loan amount: The loan amount is based on the property’s purchase price and the estimated renovation cost. Lenders typically lend a percentage of the property’s after-repair value (ARV), which is the property’s projected value after renovations are completed.

4. Interest rates: Fix-and-flip loans often have higher interest rates compared to traditional mortgage loans. This is because they are considered riskier due to the short-term nature of the investment and the potential for unforeseen challenges during the renovation process.

5. Loan-to-value (LTV) ratio: Lenders will typically offer fix-and-flip loans with an LTV ratio that ranges from 65% to 90% of the ARV. The exact LTV ratio can vary depending on the lender and the borrower’s creditworthiness.

6. Renovation plans: Borrowers may be required to provide detailed renovation plans and budgets to the lender, outlining how they intend to improve the property. This helps the lender assess the feasibility of the project.

7. Credit requirements: While credit requirements can vary among lenders, borrowers typically need a reasonable credit score to qualify for a fix-and-flip loan. Some lenders may be more lenient in this regard than traditional mortgage lenders.

8. Down payment: Borrowers are usually required to make a down payment, ranging from 10% to 35% of the total project costs. This demonstrates the borrower’s commitment to the project and provides some protection for the lender.

9. Speed of funding: Fix-and-flip loans are often chosen for their quick approval and funding process, essential for investors looking to secure properties and start renovations promptly.

10. Exit strategy: Borrowers must have a clear exit strategy in place, which typically involves selling the renovated property within the loan term to repay the lender.

It’s essential for real estate investors to thoroughly research their options and understand the terms and costs associated with fix-and-flip loans before pursuing this type of financing. Additionally, working with experienced real estate professionals and lenders specializing in fix-and-flip loans can benefit a successful investment strategy.

Barndominiums are becoming more popular. Can you finance one with an FHA loan?

Have you closed a loan on clients that have 4 charge off’s or more? Start getting them ready to refinance their home now! Here’s the criteria:

1. Must have 4 charge off’s or more

2. Must Live in California

3. Post BK Charge Off’s Count as well

Send them over and let us start working on their credit now so when the rates decide to take a turn for the better, your client will be ready to refinance!

This is a special program that is only available to California residents.

Let’s Do This Cali!

Home prices starting tricking lower and there seems to be housing inventory. Bidding wars on homes throughout the country seem to have diminished. There are no longer 10 offers for a home listing. Homes are no longer selling 10 to 50% over list price. The market overkill seems to have stabilized. So what’s next? Are home prices going to tank? Did homebuyers pay too much for their homes? Are interest rates going to tumble? Let’s watch the coming housing market forecast coming up this week

The Wellness Company (TWCHEALTH.COM) offers 30 critical life saving medications for round two of our plandemic. Be prepared.

Visit the Wellness Company which also known as The Wellness Company Health. Big Pharma does not want you to get a hold of lifesaving medications. Check out their website the the 30 critical life saving medications big pharma and the globalists does not want you and your loved one get access to. Here is the link:

https://www.twc.health/

twc.health

The Wellness Company

Own Your Health

Is it possible to get a mortgage loan on 50 acres on my primary home in Wisconsin? Preferably FHA loan but I think I qualify for a conventional loan too.

Hello Everybody on GCA!

I wanted to create a discussion regarding all Questions & Concerns regarding all NON-QM products.

I am Sales Account Executive & I will be going through Generics & specifics on guidelines & also details to pay attention to with your loan process as Broker, Client, AE & Agent.

Will be also posting FAQ’s as well.

Please feel free to reply with any comments

I look Forward to hearing all your thoughts!

Thank you!

Cameron Leclair

theLender-Your-Non-QM-Lender.pdf 3 MB PDF - Click to view

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I realize that late payments is the kiss of death and it is one of the biggest negative factors I can have to qualify and get approved for a mortgage. Can you please advise me on how I can qualify for a mortgage with late payments in the past 12 months? My lease is coming up and I really want to buy a house.

If my wife has been not working for ten years and was a stay at home mom and housewife and just got a full time job in education, a high school teacher, how long does she need to be employed at her new full time job for a mortgage lender to be able to use her full time income as qualified income for a home loan.

Can Lenders Allow Tie Downs on Manufactured Homes on FHA loans?

Manufactured Homes and Modular Homes are becoming very popular. What are the requirements for manufactured homes and modular homes to be eligible for FHA loans?

Here is a video clip of what not to do when you get stopped by a police officer

https://www.facebook.com/share/v/TmDkUFC1XGwC9S78/?mibextid=21zICX&startTimeMs=29509

facebook.com

What NOT To Do During a Traffic Stop | What NOT To Do During a Traffic Stop | By Code Blue Cam | Facebook

What NOT To Do During a Traffic Stop

Can you qualify for VA loans with bad credit? Do you have to pay outstanding collections and charge-off accounts to qualify for VA loans?

Mortgage lenders require credit tradelines. What does credit tradelines mean when asked from a mortgage lender?

What does manual underwriting mean on VA Loans? What are the VA manual underwriting guidelines? What is the difference between VA approve/eligible and VA manual underwriting? When is manual underwriting required on VA loans? Do all mortgage lenders do manual underwriting on VA loans?

What is the credit score guidelines on VA loans. What is it that Veterans United says their minimum credit score requirements is 620 and CrossCountry Mortgage says their credit score requirements is 580? Yet other lenders want a 640 credit score on VA loans. I read a blog on GCA MORTGAGE GROUP And it says that Gustan Cho Associates can do VA loans with credit scores down to 500 FICO. SO what is the skinny and the minimum credit score for VA LOANS?

The best Japanese sushi fine dining restaurant in Chicago. It’s in the Lakeview neighborhood and the finest restaurants of sushi. You will love it. For special occasions or group functions up to 18 people

https://www.ajiomakase.com/

ajiomakase.com

AJI Omakase Chicago | Omakase Sushi Dining Experience

AJI is an omakase dining experience available for the greater Chicago residents. We take pride in serving the greater Lakeview area with a premium nigiri sushi experience with our Omakase. Executive chef Kristian Cho leads AJI's culinary team with his … Continue reading

Has being an owner of a mortgage brokerage ever been on your radar? Whether you’d utilize it as an ancillary business or as your main focus, come join us at Meet Motto! Current owners will be answering questions, and presenting in detail their experiences from the very beginning, to their purchase, to their success! See you there!

https://mottomortgage.zoom.us/webinar/register/WN_GR41U3nbQF-7hbQtOlIg1w#/registration

mottomortgage.zoom.us

Welcome! You are invited to join a webinar: Meet Motto. After registering, you will receive a confirmation email about joining the webinar.

Hosted by director of franchise sales Kurt Cramer, this virtual event offers the unique opportunity to hear from existing Motto Mortgage owners. We’ll have a candid Q & A about owning a mortgage brokerage in the current market and why … Continue reading

We are going to launch John Parker’s websites and show the progress in this section. John, think about the layout, template, functionality of the following websites:

• http://www.bestvamortgageloans.com
• http://www.vastreamlinerefinancelenders.com
• http://www.fhastreamlinerefinancelenders.com
• http://www.realtormlocareers.com
• http://www.nexamortgagecareers.com

Doctors suggest to exercise for diabetics but many people have a busy schedule. Is there a sucessful workout regiment for diabetics with a heavy work schedule. Many people who are tied to computers and remote workers have a busy schedule they do not have the opportunity to execise. Any suggestions would be greatly appreciated.

Creating website in WordPress is a best and easy process. You can create a simple website with in few hours and even handle without any issue. Backend on WordPress is Simple and user-friendly. You just need little bit help for understand the workflow.