I am a mirror on a wall in a lobby of a very exclusive, most posh, ritziest hotel in Washington D.C. I have been stared into for a long, long time, 75 years to be exact. I arrived some time before the end World War II. No one really notices me, I mean they gaze at me, but never see me, they look straight through me. The most powerful people in the world have looked into me, never realizing my true worth.

Many times each day I am sprayed and wiped down, this sorta tickles. My gold leaf border is dusted, and no smudges are visible. I weight over 100 pounds, imported from France, created by an artisan glazier for the hotel. I am a portrait mirror, you can check the polish on your shoes and prim your hair all in one look. Every guest must pass by me, either leaving or entering the lobby, you can’t miss me! I stand tall and proud.

Most people look at me to, fix their tie, fluff their hair, smear their lipstick, presently, couples stand in front of me and take selfies, this disturbs me, the glare and the sometimes flash irritate my reflection. So what propose do I serve? I feed the ego, for one. Hundreds of people each day stare at me and wait for my reflection. Am I handsome, pretty, or just fooling them selves? I can recall many presidents checking themselves, they don’t see what I see. I can gaze right back and pierce your heart with MY stare. Politicians can be fake, fake smiles, fake teeth and fake hair. I see who they really are.

I see and stare their sadnesses and their joys, but sometimes their lie directly into me. I can still see truth. If you dyed your hair I can see the roots, if you spin and pirouette I can see all the flaws within you, there is no escaping my truth. The true joys are great to be a part of, the sadness makes me question the person. My heart aches for them, yet I must remain silent.

President Harry S. Truman was my first president. He would stare at me in wonder and awe, I soon realized he was looking for answers. He had to make the most difficult decision of any president, weather or not to drop the Atomic Bomb on Japan. The struggle for this poor man made me believe I was not only a mirror of your image, but a mirror to your soul. Harry would often dine with dignitaries at our restaurant and pass by me, I felt at times he’d wink at me like an old friend. I don’t make decisions, I show you who you really are. His guilt ran deep, but there was no other decision to make to safe our country and our boys.

I felt a part of me shatter when I heard the news of John F. Kennedy, a young man with unlimited potential who really loved America. His death started a decade of destruction. More death of world leaders, a war no one wanted. The Kennedy Family was the backbone of Washington politics. John and Jackie were the most elegant couple ever to grace the White House. When they dined at the hotel all heads turned, I must admit I was taken aback by their appearance. I almost blushed when The First Lady stared at me do adjust her near perfect hair.

Many presidents I have met through my years, my favorite was Jimmy Carter. The kindest and most sincere of all. To this day, and well into his nineties, he still gives his heart and soul to those in need. The Reagan years were a lot of funny, Hollywood moved in. John Wayne, Frank Sinatra, they all came to met and greet me.

Don’t get me wrong my tenure hasn’t been all dreary, I have made friends and there has been many joys I have shared. The countless married couples who have posed with is priceless. The fact that I can see sorrow, doesn’t mean I cant see happiness. Sadness always finds me, but I look for happiness constantly. One couple was married for 50 years. Nearing 80 years old, their reflection was awesome. The love for each other pierced through me like a bright ray from heaven. My fondest memory was when I first arrived at the hotel, it has been my fondest every since. A WW2 sailor and finance met before me just prior to his deployment. They vowed their love in front of me. The sailor swore he’d return and marry her. They set a date to meet again, June 1, after the war in my lobby. No matter where she was she would travel to Washington and patiently wait his return. The war ended and there was no word from the sailor, news travelled slow during the war, she never knew what happened to him. She would wait for a letter, hoping he was still alive. The couple of years passed and still no word. She would to DC every June as she promised. No one ever met her. Finally, in 1947 she received a letter from the US Navy stating he was alive , but a prisoner of war in a German Stalag. He had been seriously wounded and couldn’t get any communication to her. When he was released he was shipped to Oakland, California to a Veteran’s hospital for observation. The Navy’s communication where he was at was late in arriving. She stayed true to her vow.

The sailor was released and had no information where his fiancé was living. He travelled by bus one late day in May to DC. When he arrived on Memorial Day, a few days earlier then the planned date, he though she wouldn’t show up in the lobby. He had lost his leg and was wheel chair bound, barely able to use crutches he waited for days hoping to meet her again. He could not afford our fancy, expensive hotel, he sought lodging in a flea bag hotel several miles away. Over the next few days he would find his way back to our lobby. He’d sit in front of me and I saw his sorrow , same sorrow displayed by his girl when she was waiting. June 1 came, and he made camp in front of me. For some strange reason I didn’t see is sadness today, I saw joy! Just as he was began to wheel himself back to the flea bag, she walks in ! I have never and will never see such happiness in two people. Their love appeared in my eyes and I swear I began to cry. They radiated love! I stored their love in mind and think back over the years of all the sadness and love I had experienced. May their love be a reflection for all to share.

Trying to see if buyer that has been renting home for 14 years , with option to purchase. How can he get in home with no down payment. Home is worth 245,000 selling 180,000 seller paying closing cost and prepaids . They are not related but have been good friends like his grandfather prior to renting. I assumed it was no way suggested 3.5 down make 12 payments. And refi as he has an irs lien he wants to pay off. So he can have the money he pays them stop coming out of his check.

There are instances when mortgage underwriters will require reserves from borrowers. What does reserves mean? Can equity in the home or 401k be used for reserves? How about if you have a paid off vehicle or precious metals? Or what if you have hard core cash. Can those be used for reserves?

South Korean Global tech giant Samsung announced Taylor Texas will be home to Samsung’s U.S. semiconductor factory. The breaking announcement puts Taylor Texas on the global map.

https://youtube.com/playlist?list=PLnxykQ4xCbXu9EHcKzr0XqZioCz2CsDfI&si=mPANQR1Bv3ytMvAR

No with former President Donald Trump getting convicted on all 34 charges against him, how is the conviction of President Trump going to affect the state of NEW YORK?

If a NMLS licensed loan officer works for a mortgage broker and is licensed in 30 states, can the loan officer be paid their commissions by 1099 on states that he is licensed in that allow 1099 compensation and be paid W2 on states that do not allow 1099 compensation>

• This discussion was modified 2 years ago by  Gustan Cho.

Dogs are better. Better than who? People.

https://www.facebook.com/share/r/wppQvYbvQBzejtv8/?mibextid=oFDknk

facebook.com

📍 Cutest moments with pets. ❤️💕💞 #dogs #dogsofinstagram #dogstagram #dogslife #fyp #fypシ #foryou #foryoupage #viralvideos #viral | Rayne P. Caballero | thaniaraynemodel · Original audio

📍 Cutest moments with pets. ❤️💕💞 #dogs #dogsofinstagram #dogstagram #dogslife #fyp #fypシ #foryou #foryoupage #viralvideos #viral. thaniaraynemodel · Original audio

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, 11 months ago by  Gustan Cho.
• This discussion was modified 1 year, 8 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 8 months ago by  Sapna Sharma.
• This discussion was modified 3 months, 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, 11 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 6 months, 3 weeks ago by  Sapna Sharma.
• This discussion was modified 6 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, 3 months ago by  Gustan Cho.
• This discussion was modified 3 years, 3 months ago by  Gustan Cho.
• This discussion was modified 3 years, 3 months ago by  Gustan Cho.
• This discussion was modified 1 year, 11 months ago by  Gustan Cho.
• This discussion was modified 1 year, 8 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

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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 2 years, 1 month ago by  Sapna Sharma.
• This discussion was modified 2 years, 1 month ago by  Sapna Sharma.
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• This discussion was modified 1 year, 8 months ago by  Sapna Sharma.
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