Why you should be protected to avoid STD

@Bill Burg

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Many mortgage companies do not allow real estate agents to become loan officers at their mortgage company. Licensed realtors need to surrender their real estate license and put the real estate license in hibernation if the mortgage lender is going to sponsor them. This is not the case at NEXA Mortgage. Realtors can become loan officers at the same time and can represent their homebuyers as their loan officers on the same transaction. Here is the blog that was posted on this matter:

https://gustancho.com/can-realtors-be-loan-officers/

• This discussion was modified 1 year, 10 months ago by  Gustan Cho.

gustancho.com

Can Realtors Be Loan Officers at the Same Time?

Can Realtors Be Loan Officers and make money on the same transaction? The dual realtor/MLO gets compensation as the realtor and loan officer.

Becoming an independent mortgage broker and operating under a “doing business as” (DBA) name can offer you flexibility, control, and potentially higher earnings. Let’s break down the steps involved:

1. Get Licensed: First, you’ll need to obtain the necessary license. Becoming a mortgage broker typically involves completing 20 hours of pre-licensure education courses and passing the NMLS mortgage license exam. State-specific requirements may apply.

2. Education and License: Start by getting licensed as a loan officer. This process includes coursework, test preparation, and an exam. With the right guidance and resources, you can achieve licensure in as little as 3 to 4 weeks.

3. Choose Your Business Structure: Decide whether you want to operate as an independent mortgage broker or as a DBA of a larger mortgage lender. If you choose the latter, you’ll need to register your DBA name. The process is usually straightforward and involves filing paperwork and running an ad in a local paper. Filing fees vary by state.

4. Build Relationships: As an independent broker, you’ll have the freedom to work with multiple lenders. Building strong relationships with these lenders is crucial. Network, attend industry events, and collaborate with other professionals to expand your connections.

5. Market Your Services: Develop a marketing strategy to attract clients. Utilize online platforms, social media, and local advertising to promote your services. Highlight the benefits of working with an independent broker, such as access to a broader range of loan products and more competitive rates.

6. Set Up Your Business: Establish your business by creating a business plan, setting up an office (physical or remote), and organizing your finances. Consider hiring support staff if needed.

7. Commissions and Fees: As a mortgage broker, you can earn commissions and fees from both borrowers and lenders. Lender-paid commission (LPC) and borrower-paid commission (BPC) are two common models. LPC is paid by the lender, while BPC is paid by the borrower in the form of an origination fee. Having pricing flexibility allows you to be competitive and maintain credibility with referral partners and clients.

NEXA Mortgage, NMLS 1660690, is the largest mortgage broker in the United States with 2,500 licensed mortgage loan originators and a team of 5,000 support and operations personnel, third-party vendors, and upper level management executives.

Remember that each step requires careful consideration and planning. Whether you choose to operate independently or as a DBA, focus on providing excellent service to your clients and building a successful mortgage brokerage business. Good luck!

https://gustancho.com/starting-mortgage-net-branch/

NEXA Mortgage has a strong business platform in joint venturing new dba independent mortgage brokers and teams of loan officers where benefiting the independent mortgage brokerage owner and its mortgage loan officers and support staff. The independent mortgage broker owner keeps everything the same, especially the control of owning and operating its own independent mortgage brokerage company and using the independent mortgage broker’s trade name as a dba of NEXA Mortgage. Gustan Cho Associates is a dba of NEXA Mortgage (NMLS 2315275) licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands (Massachusetts and New York is pending).

Retail mortgage loan originators, have you ever think about becoming a remote mortgage loan originator with the key to success? Have you ever dream of having the opportunity to own and manager your own net branch with all the amenities, bells and whistles of a large mortgage company but yet without the expenses that come along with it? Gustan Cho Associates is a dba of NEXA Mortgage and can help you start the journey for you to becoming a successful independent mortgage loan originator with the option of owning, and operating your own mortgage branch with the potential of expanding your business platform to most of the 50 states. Gustan Cho Associates will assist with the tools you need to become a top independent branch manager of your own mortgage P and L operations. You determine whether you want to own and operate a one man branch or a 200 loan officer mortgage net branch operation. You are given and entrusted with the key to success without no quota, pressure, or meddling. Remote mortgage loan officer career opportunities at Gustan Cho Associates, a dba of NEXA Mortgage, is right at your fingertips. A remote mortgage loan officer has a wide range of responsibilities. Here are some key tasks they typically perform:

1. Interviewing Clients: They conduct initial pre-qualification interviews and assist clients with the completion of loan applications1.
2. Loan Processing: They work closely with the underwriting department to determine conditions for loan approval1. They are responsible for the origination of first mortgages2.
3. Assessing Applications: They screen and assess new mortgage applications for loan eligibility.
4. Customer Service: They provide exceptional customer service throughout the loan process3.
5. Loan Products and Services: They maintain a thorough knowledge of mortgage loan programs and company products3. They engage with customers to recommend loan products and services3.
6. Business Development: They develop close business contacts with a diverse group of consumers4. They also work with realtors, builders, and other intermediaries who can refer mortgage applicants5.
7. Flexible Working Hours: As a remote worker, they often have the flexibility to choose their own hours35.

Please note that the exact responsibilities may vary depending on the company and the specific role. It’s always a good idea to check the job description provided by the employer for specific details.

https://www.gcamortgage.com/mortgage-loan-officer-career-opportunities/

• This discussion was modified 1 year, 10 months ago by  Gustan Cho. Reason: Wrong url

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There are about ten states that do not allow mortgage loan originators to be paid by 1099 from their mortgage brokerage company. How does Illinois stand on loan officers to be paid by 1099?

Here is a link to becoming a realtor and loan officer at the same time. Actually, you can be an insurance agent and loan officer at the same time. You just need to be licensed in one state and become a referral partner and get paid. GCA Mortgage Group, Oakbrook Terrace, Illinois is licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands is hiring a professional in another field such as a real estate agent, attorney, insurance agent, or other third party professional who are in the real-estate related field to become a dually licensed professional and mortgage loan officer at the same time. Gustan Cho Associates is a dba of NEXA Mortgage and AXEN Mortgage, the fourth largest mortgage company in the nation. We will also cover residual income for life working at NEXA Mortgage which is headed by CEO Mike Kortas and President Mat Grella. The President and Director of AXEN Mortgage is Michael Neill. Mr. Mike Neill is President of AXEN Mortgage which is the correspondent lending division of NEXA Mortgage. Here is an informative link to becoming a dually licensed realtor/insurance agent/attorney and mortgage loan officer at the same time.

https://gustancho.com/can-realtors-be-loan-officers/

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

gustancho.com

Can Realtors Be Loan Officers at the Same Time?

Can Realtors Be Loan Officers and make money on the same transaction? The dual realtor/MLO gets compensation as the realtor and loan officer.

Many folks who enter their fifties suddenly notice how fast they age. Bags under their eyes is one of the most noticeable aging signs. South Korea is the most popular place for cosmetic surgery such as facial effects and tightening skins. He’s a very informative article about cosmetic surgery in South Korea.

https://www.fodors.com/world/asia/south-korea/experiences/news/best-pracitices-for-findng-cosmetic-and-esthetician-prodedures-in-south-korea

fodors.com

Looking for a Beauty Refresh? South Korea Is the Destination for You

Fodor's provides expert travel content worth exploring so you can dream up your next trip. The world is a weird and wonderful place—we want to show you around.

Making Nevada your home can be an exciting endeavor, as the state offers diverse living experiences from the bustling city life of Las Vegas to the serene landscapes of its desert and mountain areas. Whether you’re moving for work, retirement, or a change of scenery, here are some steps and considerations for settling in Nevada:

1. Choosing the Right Location

• Urban vs. Rural: Decide if you prefer the vibrant city life of places like Las Vegas or Reno, or the quieter, more rural areas such as Elko or Fallon.
• Climate: Nevada is mostly desert, which means hot summers and cold winters, particularly in regions away from the city.

2. Understanding the Cost of Living

• Nevada generally offers a reasonable cost of living compared to other states. However, areas like Las Vegas and Reno might be more expensive than the state’s rural areas.
• There’s no state income tax, which can be a significant financial benefit.

3. Housing

• Buying vs. Renting: The housing market can vary significantly by location. In cities, the real estate market can be competitive and pricey, while more rural areas may offer more affordability.
• Research: Check real estate listings and consider visiting neighborhoods to get a feel for different areas.

4. Employment Opportunities

• Major industries in Nevada include hospitality and gaming, technology, logistics, and manufacturing. The state is also seeing growth in green energy jobs.
• Las Vegas and Reno are hubs for entertainment and tourism-related jobs, but tech industries are expanding in these areas as well.

5. Education

• Nevada offers a range of educational institutions, from public schools to prestigious universities like the University of Nevada campuses in Las Vegas and Reno.
• Research schools in your area if education is a consideration.

6. Lifestyle and Recreation

• Nevada is known for its entertainment options, particularly in Las Vegas. However, outdoor enthusiasts will also find skiing, hiking, and boating opportunities.
• The state hosts several cultural events, sports activities, and public parks which are great for families and individuals alike.

7. Transportation

• In larger cities like Las Vegas and Reno, public transportation systems are available. However, owning a car is beneficial, especially in more isolated areas.
• Nevada provides good highway connectivity, and its rules and regulations for driving might differ slightly from other states, so it’s good to get familiar with them.

8. Legal and Administrative Steps

• Upon moving, you’ll need to update your driver’s license and vehicle registration if coming from out of state.
• Register to vote in your new home state to participate in local, state, and federal elections.

9. Connecting with the Community

• Join local groups or community centers to meet people and get integrated into the fabric of the local culture.
• Explore local businesses and support them to get a deeper understanding of your new home’s economy and culture.

Moving to a new state like Nevada involves significant planning and adjustment, but it can also be a rewarding experience with new opportunities and adventures.

Moving to Nevada from out of state can be an exciting opportunity, whether for its vibrant entertainment options, its growing economy, or its unique landscapes. Here are some key considerations and tips to help you prepare for your move:

Climate and Geography

• Varied Climate: Nevada is largely desert and semi-arid, most of the state falls within the Great Basin. Summers can be extremely hot, especially in areas like Las Vegas, while winters can be quite cold, especially in northern parts like Reno.
• Outdoor Activities: Nevada offers a range of outdoor activities, from the nightlife of Las Vegas to the stunning natural beauty of areas like Lake Tahoe and the Great Basin National Park.

Cost of Living

• No State Income Tax: Nevada does not have a state income tax, which can be a significant financial benefit.
• Housing Costs: The cost of living can vary significantly depending on where you choose to live. Las Vegas has a relatively affordable housing market compared to major cities in neighboring states, though prices have been rising. Reno also sees higher housing costs due to its proximity to California and growing economic developments.

Job Market

• Tourism and Hospitality: The economy is heavily influenced by tourism and hospitality, particularly in Las Vegas, which offers numerous jobs in hotels, restaurants, and entertainment sectors.
• Diversifying Economy: There’s a growing presence of tech companies and startups, especially in the Reno area, partly due to its proximity to Silicon Valley and more favorable business taxes.

Education

• School System: Nevada’s public school system has room for improvement in terms of national rankings, so research local schools thoroughly if you have children.
• Higher Education: The state is home to several higher education institutions, including the University of Nevada campuses in Las Vegas and Reno.

Transportation

• Car Dependency: Most of Nevada’s residents find having a car necessary, especially in Las Vegas and Reno, due to public transportation options being less extensive than in larger metropolitan areas.
• Major Highways: Interstate 15 and Interstate 80 are the major highways running through Nevada, facilitating travel to California, Utah, Oregon, and Idaho.

Legal Residency

• Driver’s License and Vehicle Registration: You’ll need to obtain a Nevada driver’s license and register your vehicle within 30 days of becoming a resident.
• Voter Registration: Registering to vote can also be done at the same time you apply for your new driver’s license.

Cultural and Social Life

• Diverse Communities: Nevada’s major cities are culturally diverse, offering a wide range of cultural foods, festivals, and more.
• Entertainment Options: Besides the obvious attractions of Las Vegas, there are numerous local events, museums, theaters, and concert venues across the state.

Preparation for the Move

• Plan Ahead: Organize your belongings, decide what to move, and possibly sell or donate items that are not essential.
• Hire Reliable Movers: Consider hiring a reputable moving company that has experience with interstate moves to handle logistics.

Moving to Nevada offers a unique blend of opportunities and lifestyles, from the bustling streets of Las Vegas to the serene landscapes of its state parks. With the right preparation, your transition to the Silver State can be a smooth and exciting adventure.

What does it mean by positive energy? Is positive energy real?

Here is a guide on how homeowners insurance deductible works. Brent Norkus of Goosehead Insurance, one of the top preferred referral insurance agents at Gustan Cho Associates wrote this comprehensive blog that has been popular that was recently updated. https://gustancho.com/homeowners-insurance-deductibles/

gustancho.com

How Homeowners Insurance Deductibles Work

The way how homeowners insurance deductibles work is the higher the homeowners insurance deductible, the lower the insurance premium

How does homes for heroes mortgage loan program work?

Business credit cards are specialized credit cards designed for business-related expenses. They are offered by various financial institutions and are intended for use by businesses, regardless of their size – from small startups to large corporations. These cards provide a convenient way for businesses to separate their personal and business expenses, track their spending, and manage their cash flow. Here are some key features of business credit cards:

Separation of Business and Personal Expenses: Business credit cards help maintain a clear distinction between personal and business finances. This is essential for financial reporting, tax purposes, and overall financial management.

Expense Tracking: Many business credit cards offer detailed expense reporting tools. This can simplify accounting processes by providing categorized statements that make it easier to track and analyze business spending.

Rewards and Perks: Similar to personal credit cards, business credit cards often come with rewards programs, cashback incentives, and other perks. These rewards may be tailored to business-related expenses such as travel, office supplies, or telecommunications.

Employee Cards: Business credit cards often allow business owners to issue supplementary cards to employees. This can be helpful in managing employee spending, setting individual spending limits, and tracking expenses by employee.

Credit Building: Responsible use of a business credit card can contribute to building a positive credit history for the business. This can be valuable when the business needs to apply for loans or other forms of financing.

Higher Credit Limits: Business credit cards typically come with higher credit limits compared to personal credit cards. This can be advantageous for businesses that have significant operational expenses.

Access to Business Tools: Some business credit cards provide additional tools and resources, such as expense management software or travel benefits, to help businesses streamline their operations.

Interest Rates and Fees: Business credit cards may have varying interest rates and fees, so it’s important for business owners to carefully review the terms and conditions. Some cards may offer an introductory 0% APR period or other promotions.

It’s crucial for business owners to use business credit cards responsibly and pay attention to their terms and conditions. Keeping personal and business finances separate, monitoring expenses, and paying bills on time are key practices to make the most of these financial tools.

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

What is domain authority, domain ranking, and spam score? What do you need to look out for when you are starting a brand new website? I heard that you need to check the URL, its history, domain authority and ranking, and the URLs spam score. Can you please explain?

Here are political humor that is true and fact checked many of you will find humorous

This subforum will feature Tatiana Bougdaeva, a mortgage loan originator licensed in multiple states and banking professional with over thirty years of experience. Besides being an expert in the lending and real estate profession.

Tatiana Bougdaeva @Tatiana My good friend and business associate Tatiana Bougdaeva is a the owner, founder of Kalm Strategy. Tatiana Bougdaeva is a life coach and will explain what she does helping fight the aging process, and bringing yourself to peaceful and healthy life style.

Organic Anti-Aging Coaching Program

Check out her website at http://www.kalmstrategy.com

• This discussion was modified 1 year, 10 months ago by  Gustan Cho.
• This discussion was modified 1 year, 10 months ago by  Gustan Cho.

kalmstrategy.com

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Former President Donald Trump indicted for four felony counts. Two indictments are two state charges and two indictments are federal charges. President Trump’s indictments court trial started last week. President Trump is the first former President of the United States to be charged after leaving office. We will cover the charges on the indictments on the following sub forums. Here’s a short video clip explaining Former President Donald J. Trump’s charges on his indictments.

https://youtu.be/wVcNg83EgUc?si=sM-PAFfOkc6k_A-P

If you are currently a mortgage broker company, how can you become a mini-correspondent lender at the same time? Can you become a mortgage broker and a correspondent lender at the time. A wholesale mortgage account executive said it easy and no problem. Just like another professional opinion.

Here’s a blog about HUD Guidelines on gift of Equity.

By June 2023, over 60,000 Mortgage Loan Originators have left the mortgage industry due to inflation, surging mortgage rates, skyrocketing homes prices, regulations, and low housing inventory. Another 50,000 loan officers are not expected to renew their loan origination licenses. Being a loan officer is not the most glamorous career today. Thousands of mortgage companies have or are thinking of leaving the Mortgage Industry. Rates are at historic high, the secondary market is unstable, lenders are scared to lend, economists are forecasting a housing market crash, inflation is soaring daily, and the Federal Reserve Board is absolutely clueless. So is now the time to be in the mortgage industry?

https://youtu.be/hocJn_xcm5s?si=VGOzvS-9DWY37q-J

Silver broke $24 per ounce. Buy silver. Still a very low price per ounce.

Climate change refers to significant changes in global temperatures and weather patterns over time. While climate variability is natural, much of the recent observed changes are due to human activities, particularly the emission of greenhouse gases (GHGs) like carbon dioxide and methane. This phenomenon is also commonly referred to as global warming or anthropogenic (human-caused) climate change. Here’s a broad overview of its causes, impacts, and the response strategies:

Causes of Climate Change

1. Greenhouse Gas Emissions: The burning of fossil fuels (coal, oil, and natural gas) for energy, deforestation for agriculture, and industrial processes contribute to increased concentrations of greenhouse gases in the Earth’s atmosphere.
2. Land Use Changes: Deforestation not only releases the carbon stored in trees but also reduces the planet’s capacity to absorb CO2 from the atmosphere.
3. Agriculture: This sector contributes significantly through methane emissions from livestock and rice fields, and nitrous oxide from over-fertilized fields.

Impacts of Climate Change

1. Temperature Increases: The most direct effect is the rise in global temperatures, leading to heatwaves and disrupted weather patterns.
2. Ice Melt and Sea Level Rise: The increase in global temperatures has led to the melting of ice caps and glaciers, contributing to rising sea levels, which can cause coastal erosion, increased flooding, and threaten coastal communities.
3. Ocean Acidification: CO2 absorption is making the oceans more acidic, affecting marine life and ecosystems, particularly coral reefs and shellfish populations.
4. Extreme Weather Events: There is an increase in the frequency and intensity of extreme weather events like hurricanes, droughts, and heavy rainfall.
5. Impact on Biodiversity: Climate change is altering habitats and threatening species with extinction, disrupting natural ecosystems.
6. Socioeconomic Effects: Impacts include threats to food security from decreasing crop yields and the loss of livable land, which could lead to displacement and climate refugees.

Responses to Climate Change

1. Mitigation: This involves reducing the flow of heat-trapping greenhouse gases into the atmosphere, either by reducing sources of these gases (e.g., the burning of fossil fuels for electricity, heat, or transport) or enhancing the sinks that accumulate and store these gases (such as the oceans, forests, and soil). Renewable energy sources like wind, solar, and hydroelectric systems generate electricity with little or no pollution and GHG emissions.
2. Adaptation: Involves making adjustments in ecological, social, or economic systems in response to actual or expected climatic stimuli and their effects or impacts. It aims to reduce vulnerability to climate change impacts, allowing societies to manage risks and damage while taking advantage of potential opportunities.
3. International Agreements: The Paris Agreement under the United Nations Framework Convention on Climate Change (UNFCCC), signed in 2015, is one of the global efforts where countries committed to limiting global warming to well below 2, preferably to 1.5 degrees Celsius, compared to pre-industrial levels through nationally determined contributions.

Personal and Community Actions

• Reduce, Reuse, Recycle: Adopting more sustainable practices in daily life can significantly reduce one’s carbon footprint.
• Energy Efficiency: Using more energy-efficient appliances and vehicles, upgrading insulation in homes, and using public transport can reduce individual GHG emissions.
• Support/Advocate: Supporting policies and leaders who prioritize climate actions and sustainable practices is crucial. Community-level actions can amplify individual efforts.

Addressing climate change requires coordinated global actions but also hinges on national, local, and individual efforts. The collective engagement in mitigation and adaptation measures is essential to effectively manage and hopefully overcome this global challenge.

Joe Biden and his administration are planning a climate emergency in the coming days or weeks. The Democrats are panicking because of the low approval rating and are cornered on what they can do to cheat their way to get reelected. Americans should expect more crisis, climate emergency Lock downs, wars, riots, pandemics, or natural disasters

.https://youtu.be/yogGHWVZlYE?si=PhvAZVL8NaOCP8Hp

• This discussion was modified 1 year, 10 months ago by  Gustan Cho.

Fannie Mae Housing Market Forecast for 2025 announced that Mortgage Rates will remain at higher than 6.00% and not to expect a drop in mortgage rates. The federal reserve board dropping interest rates 4 times in 2024 turned out to be a big fat lie despite out of control inflation. The federal reserve board and Treasure Secretary Janet Yellen are blatantly lying about the economy having a soft landing and inflation being under control. Evey consumer in America know that prices of goods and services are out of control and inflation is not minutely close to what the fake NEWS MEDIA is reporting. Please don’t believe what the fake news media and the political hacks are announcing.

https://youtu.be/h2pNEPHP0gc?si=PnU3gpJKT8_2PgoV

The apartment building values started to plummet as much as 40%. Apartment and multifamily properties peaked in May 2022 and started falling since then. Besides plummeting apartment building values, foreclosure of apartment building properties are skyrocketing to 2007 levels. The numbers of apartment building values plummeting and soaring foreclosure rates vary from city and state. We will cover more in this breaking news as more develop in the coming days and weeks. Besides apartment building properties, values of commercial properties in general have and are plummeting at record levels.

https://youtu.be/QuDEubYPMoM?si=sYcSVFDyYmK1MeBC

• This discussion was modified 1 year, 10 months ago by  Gustan Cho.

What does recission mean in the mortgage process?

Homebuyers can get seller concessions for a home purchase from the seller up to 6% of the home purchase price which can be quite large. So on a $500,000 home purchase, the seller concessions can be a total of $30,000. Can the home buyer use the $30,000 on a $500,000 home purchase for the down payment?

Here’s a video clip about traumatizing a dog for life. The black lab mix will never be the same after witnessing a Bulldog being cut up.

https://www.facebook.com/share/r/Kpe6DR8B8yCbbsot/?mibextid=D5vuiz

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The dog is trying to say "I DON SUFFER FOR THIS HOUSE". 🤣🤣 #doglover #cakesofinstagram | Brian Junior | Brian Junior · Original audio

The dog is trying to say "I DON SUFFER FOR THIS HOUSE". 🤣🤣 #doglover #cakesofinstagram. Brian Junior · Original audio

What are the states that require distance requirements for loan officers from where they live to the mortgage branch they are sponsored from. There are about a dozen states that require mortgage loan originators to be tied and/or sponsored by a mortgage branch such as a 50 to 100 mile distance requirement. Does anyone know which states have the distance to residency requirements between the branch and the loan officer personal residence?

The Bureau of Labor Statistics forecasts a 2.9% employment growth for mortgage loan originators between 2022 and 2032. During that period, it is forecasted 10,400 jobs in the mortgage industry should open up. Licensed and registered mortgage loan originators advise, authorize and recommend loan approval for individuals and businesses. According to data from the U.S. BUREAU OF LABOR STATISTICS tens of thousands of loan officers LEFT the mortgage industry in 2023 due to inflation, surging mortgage rates, and housing shortage. In October, 2023, 67% of current mortgage loan officers produced less than one unit of closed loans in October. 21% of loan officers closed 1.5 units per month and only 12% of mortgage loan orignators closed greater than 2.5 units. The mortgage industry was decimated due to the economy, high rates, and inventory shortage. Very few from the work force sought work in the mortgage lending industry. According to the Nationwide Mortgage Multistate Licensing System, in the second quarter, there were 24.5 percent fewer individual licenses awarded for mortgage lenders. That means people are leaving the mortgage industry altogether permanently. More loan officers are expected not to renew their NMLS licenses or leave the mortgage industry.

In all of 2022 and through the first half of 2023, the average mortgage lender was not profitable and lost money on every mortgage it originated. In first quarter of this year, the average loss was $1,972 per mortgage loan. In the second quarter, the size of the loss improved to $534 per loan.

Realtor.com, the real estate listing and informational website forecasts the housing market will continue to struggle in 2024 and mortgage rates will average 6.8% in 2024, and possibly drop to 6.5% by the end of 2024. This is not promising news because mortgage rates were at 2.5% just two years ago. Loan officers are expected to have a tough road ahead because consumers have not adapted to this sudden hike in rates. Until the mortgage rate of 6.5% is accepted as the new normal, the mortgage industry will continue to struggle and more loan officers and mortgage companies are expected to leave the mortgage industry. There were a total of 160,000 licensed and registered mortgage loan originators. 50,000 loan officers have exited the mortgage industry and more are expected to leave this year by the second quarter. There are 90,000 mortgage loan originators left in the mortgage industry today but that number is forecasted to drastically get reduced to as much as 40,000 so only 50,000 loan officers is forecasted to remain in business.

https://www.youtube.com/watch?v=C9BdPHXKHfE

When we access anything in computer , it generated many temporary files and we need to remove those to speed up your computer. below are step to remove or delete those temporary files

1. Write Run on Search area .

2. A window appeared , write %temp% and click Ok

3. Select all ( ctrl key+A )and click on delete key

Hunanity with Hunter Biden. RThere is no end with the Biden Crime Family. Joe Biden and Hunter Biden is blatantly committing crimes which hurt the country and is very obvious. Crimes against the people of the United States 🇺🇸 and what is the Department of Justice doing about it? Absolutely nothing. Richard Nixon alleged crimes is nothing compared to Joe Biden crimes against humanity. Hunter Biden flew on Airforce two with his father to Eukraine, China, and other countries to extort and bribe officials of state. Here is Jesse Waters on the Joe Biden Crime Family

https://youtu.be/zOHF0AXUKts?si=jmZhDWdm1CLME6ay

• This discussion was modified 1 year, 10 months ago by  Gustan Cho.