Mortgage and Real Estate News Monday, February 10th, 2025: In the past few weeks, Trump has moved to cut mortgage rates while trying to make housing more affordable for many. These plans should take effect on February 10 of 2025:

Executive Order on Emergency Price Relief

Back on January 20, 2025, Trump passed an executive order “Delivering Emergency Price Relief for American Families and Defeating the Cost-of-Living Crisis”. The order looks to get rid of numerous regulatory burdens, which, according to Trump’s administration, make up around 25 percent of the cost to build a new house. This, if enacted, would make it cheaper to build houses, which in turn increases the supply of houses and reduces their prices, making homes more affordable for many. Inflation has skyrocketed through the roof, but wages have not kept up with inflation. Many home buyers are priced out of the market. Many others who never purchased a home before just gave up on becoming homebuyers and homeowner. Many homes are inflated at skyrocketing home prices, and with high home values come high property taxes. To add fuel to the fire, homebuyers are experiencing high homeowners insurance, and everything from landscaping to remodeling is 30% or more than it used to cost. Lenders of home equity loans and renovation loans are very leery on whether the homeowners/borrowers have the ability to afford the new loan.

Focus on Reducing Long-Term Interest Rates

As stated by recently appointed Scott Bessant, other attention-grabbing moves are also on the way, like cutting long-term interest and mortgage rates. The government proposed long-range growth strategies, like energy independence and cutbacks in regulation, to achieve these objectives. They do, however, acknowledge that there are too many variables in the market to assume these actions will produce any short-term shifts in aid for long-term interest rates. In three weeks since taking the oath of office as the President of the United States, President Donald Trump has made historic changes, like auditing where our taxpayer dollars are going to and the vast suspicion of government corruption in the USAID, the U.S. Department of Education, the Human and Health Administration, HUD, and potentially the CFPB. The CFPB was created and launched to protect the consumer, but President Donald Trump and his staff see it otherwise, where the CFPB is out to protect the big banks and big lenders and not the American consumer. President Trump’s DOGE Department of Government Efficiency, headed by Elon Musk, is uncovering trillions of taxpayer dollars that are unaccountable and could potentially be a money laundering scheme and kickback scheme by government workers and politicians. President Donald Trump is considering eliminating the CFPB, the Federal Reserve Board, and other wasteful government agencies that are not productive or offer no benefit to the American people. Remember that USAID is just one of many government agencies where thousands of unproductive workers are on the federal government payroll. Just two weeks ago, President Donald Trump expressed and hinted to Fed Reserve Board Chairman Jerome Powell to lower rates to stimulate the economy, especially the housing market, and lower the cost of borrowing money. However, Jerome Powell did not heed President Trump’s advice and kept interest rates unchanged. The economy is not at all what the Biden-Harris administration said it was. The economy is worse than the news expressed, and many numbers that were released need to get modified with accurate data, especially unemployment numbers, the Consumer Price Index, and bankruptcy and foreclosure rates. Just in three weeks, the Trump administration has come up with trillions of dollars that have not been accounted for.

Deregulation and Utilization of Federal Lands

Lowering the cost of housing by lessening the degree of restrictions on federal land intended for planned housing construction is another goal of this government. President Trump signed an executive order that hurricane-devastated areas in North Carolina and Southern California’s wildfire areas in Los Angeles County were on track for a fast-track permitting or no permitting. California, especially, is notorious for its lengthy permitting process, even when it is a major emergency like the Pacific Palisades California Wildfire.

The goal is to increase the available housing supply that can mitigate the home prices and enhance affordability through easing red tape on construction permits as well as making more land available for development.

The Effect Executives Orders Have on Mortgage Rates

Subsequent to the release of certain executive orders, there is evidence suggesting that there is a drop in mortgage retail prices. For example, after certain announcements such as tariffs and other related policies, there was a significant drop in rates that were already near peak levels. It is likely that the execution of these plans by the administration will create a favorable environment for homebuyers in terms of affordability.

Although these measures intend to assist mortgage borrowers and help alleviate the housing cost burden, the measures taken will only be assessed after the major stakeholder accomplishes the expected market reaction and networks and responses policy implementation. The American people are very confident President Donald Trump will do the right thing to avoid another housing and financial meltdown that has been rumored for years—that this housing correction will be worse than the 2008 real estate and financial crisis. Something’s got to give, and the best news for Americans is President Donald Trump is doing something about our current crisis. It is ridiculous that a family needs an average of $124,000 gross per year to be able to afford an average modest home in the United States. After paying the mortgage, utilities, and expenses, Americans will have very little left to survive.

California has restrictions on classic car owners restricting use of classic cars. There is much resistance from classic car owners to the general automotive industry. There are over 40 million people who live in the state of California.

California is planning to ban the travel of vintage and classic cars, according to a report by The Daily Caller. The state sent a questionnaire to vintage car owners after it considered creating so-called zero emissions zones. Joining NTD to discuss the move is Lauren Fix, an automotive expert and founder at Car Coach Reports. She says classic cars are not big polluters, as most are only driven a few hundred miles a year, compared to the thousands of miles driven by modern cars for commuting or other activities. She discusses what California is planning for their car culture with Governor Gavin Newsom.

Thanks for watching!

https://youtu.be/yIMFcCCQ2Rg?si=vm4KnyacbB3LAzau

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

I put together a short video that explains FHA loan limits. Here’s a quick overview of the key points:

• What Is an FHA Loan Limit:
The maximum amount the government will insure for a home loan, helping protect both the borrower and the housing market.

• Loan Limits by Property Type:
Loan limits vary based on the number of units in a property. Single-family homes have one limit, and as the number of units increases—up to a four-unit property—the loan limit rises accordingly.

• Regional Differences:
Loan limits also vary by location. High-cost counties have higher limits than more affordable regions.

• Annual Updates:
HUD updates these limits each year to reflect changes in the housing market. So, be sure to check the latest amounts.

• How to Find Your Limit:
You can check your local loan limit on the HUD website or by talking to a loan officer.

For more details, check out the video below.

GCA Forums Headline News for Friday, February 21st 2025: What is the latest with the Department of Government Efficiency? Did Elon Musk and his team at the Department of Government Efficiency audit Fort Knox and see any missing gold? Did the Department of Government Efficiency find any fraud and corruption at the Federal Reserve Board and wrongdoing with Federal Reserve Board Chairman Jerome Powell? Are the following agencies under scrutiny of getting abolished? The IRS, the Federal Reserve Board, the CFPB, the Department of Education, FEMA, and what type of government oversight is the Trump Administration going to create, develop, and implement to police and govern federal agencies, politicians, and higher management of government and third-party government contractors?

https://www.youtube.com/watch?v=-5DapGwBTAg

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

Are you considering your mortgage options and wondering if an FHA loan might be right for you? I’ve put together a short video that breaks down the essentials for qualifying for an FHA loan: Here’s a quick summary of the main points from the video. And check out the video link to learn more.

• Low Down Payment & Credit Score Minimums:
Understand how a credit score of 580 can get you in with a 3.5% down payment, while scores down to 500 may qualify with a 10% down payment.

• Debt-to-Income Ratios:
Learn how the front-end (31% for housing costs) and back-end (43% for total debt) ratios impact your mortgage eligibility.

• Property Types & Loan Limits:
See how FHA loans apply to various property types—from single-family homes and FHA-approved condos to multi-unit dwellings (up to four units, with one occupied by the owner). Keep in mind that loan limits differ by county.

• Employment Requirements:
Discover why a consistent work history (around two years) is important for FHA loan qualification.

Mayor Brandon Johnson says that for Chicago to function fully, he needs $ 300 million. To do this, he wants property tax revenue from homeowners and real estate investors in Chicago, which will allow him to cover the budget deficit. So, why is Chicago so broke? Why is there a hiring freeze, and why can we not hire 700 vacancies in the Chicago police department when crime rates are skyrocketing? Why does Chicago need to make across-the-board personnel? Why is Chicago increasing fees and costs on city services, such as parking and other revenue-generating portals?

The answer is obvious. Mayor Johnson has welcomed tens of thousands of illegal immigrants, costing the City of Chicago 1 billion dollars.

From the moment he assumed office in May 2023, Chicago Mayor Brandon Johnson has dealt with a complicated economic situation. His administration set out to solve a budget deficit that is expected to reach almost $1 billion by 2025, all while trying to keep key city services running.

Budget Gap and Suggested Steps

In order to fill the gap of 986 million dollars, Mayor Johnson’s administration has proposed a balanced budget that relies on responsible spending and investing. Some highlights are as follows:

Operational Efficiencies: Reducing the headcount by over full-time 744 non-core CPD civilian positions, with 456 being from the Chicago Police Department (CPD). The primary goal is to enhance efficiency without jeopardizing public safety.

Revenue Enhancements: A boost in the tax rate on cloud computing services by 128 million dollars and a rise in parking, grocery bag, rideshare, and streaming taxes. These moves aim to broaden the revenue base of the city.

Tax Increment Financing (TIF) Surplus: A historic 570 million dollar surplus of TIFs to support Chicago Public Schools, libraries, parks, and City Colleges enables the city to invest these taxpayer dollars back into essential public assets.

Effects of the Migrant Surge

Chicago has received over 42,000 undocumented migrants, and with it has incurred unprecedented expenditures of around 299 million dollars. Since the time Mayor Johnson took office, the city has spent over 215 dollars. The spending has been directed to shelters, food, medical services, and other areas deemed necessary.

The financial commitment in support of migrants has further deepened the discussions among citizens and government officials, especially with the emphasis on the budget deficit.

Some community members are worried that spending money on migrants might decrease the resources available to long-time residents. They have made this point in public meetings where they have asked to serve locals first.

Federal Immigration Law Considerations

In discussions about federal laws on immigration, the status of Chicago as a sanctuary city has been a constant feature. Mayor Johnson has restated that the city will continue to house migrants, even when it might bring more costs and lawsuits. This position also reflects a conflict on the allocation of powers of local governments with immigration policies, particularly in times when federal aid may be scarce.

Public Response and Political Implications

These policies by the administration have drawn different reactions from citizens. In reply to the humanitarian efforts of the city, some residents get outraged by the increased taxes and steeper spending. Town halls have turned into outlets for people to vent, with many asking why so much money is spent and what the consequences are on the communities.

Finally, Mayor Brandon Johnson’s governorship has to do with attempts to control public finances while being supportive of social spending.

Chicago’s policies and public discussions have been affected recently, and quite a lot like the challenges of having a deficit budget along with the costs involved in managing a large migrant community.

Allowing the crossing of border illegal immigrants causes a $1 billion deficit in the budget, which Chicago homeowners and real estate investors can cover up with an additional $300 million tax in 2025. Shouldn’t the citizens of Chicago and other cities do something and eliminate incompetent politicians? Besides Mayor Brandon, Illinois Governor JB Pritzker is another incompetent politician who needs politician experience running a large city and state.

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

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

Bill Gates is on the mission to conquer the world’s food supply by buying up all the farms in the United States and hoard the food supply. He wants to monopolize the food supply and cause a food shortage and starve people to death by controlling the nation’s food supply and accomplish his mission of depopulation.

https://www.youtube.com/watch?v=MJVL9HegCr4&ab_channel=CNBC

In this thread, we will cover the biography of Elon Musk, the richest man on this planet, and the person whom President Donald Trump appointed to head the Department of Government Efficiency, commonly known and referred to as DOGE.

Elon Musk: A Detailed BiographyUpbringing and Family Life

Elon Reeve Musk came into the world on June 28, 1971, hailing from Pretoria, South Africa. His father, Errol Musk, is a South African electromechanical engineer, pilot, and sailor. On the other hand, his mother, Maye Haldeman Musk, is a Canadian-born model and nutritionist. Elon has two younger siblings: a brother named Kimbal and a sister, Tosca. After his parents divorced at age ten, he spent most of his childhood living with his father, a decision he later regretted because their relationship was not good.

Musk developed a strong interest in technology and computing at an early age. At the age of twelve, he developed a video game called Blastar, which he sold to a computer magazine. Musk attended Waterkloof House Preparatory School and graduated from Pretoria Boys High School. Wanting to find more opportunities, Musk moved to Canada at age 17. He began studies at Queen’s University in Ontario and then transferred to the University of Pennsylvania after two years, where he obtained a dual bachelor’s in physics and economics.

As a young boy, Musk already showed a keen interest in computing and technology. In 1995, Musk moved to California to do a PhD at Stanford. Two days later, he dropped out in favor of pursuing different business ventures.

With his brother, Musk operated Zip2, a city guide software that Compact bought for $300 million in 1999. Musk started X.com, an online money transfer that later turned into PayPal, which eBay bought for $1.5 billion in 2002.

Major Enterprises: SpaceX, Tesla, and Beyond

Musk created Space Exploration Technologies Corp with the intention of using it for the exploration of Mars. As the CEO and lead designer of the company, he made the Falcon and Starship rockets. By 2002, he also joined Tesla Inc. as the head of product and chairman, later switching from energy to electric vehicles. He then started SolarCity, which became a part of Tesla, Neuralink, and The Boring Company.

Personal Life: Relationships and Family

Musk’s personal life includes several relationships and six children, including twins and triplets, out of a marriage with Canadian writer and Wilson, with the aid of IVF.

Musk and his ex-wife tragically lost their first child, Nevada, to sudden infant death syndrome (SIDS) when he was only 10 weeks old. They divorced in 2008. Musk has been married to English actress Talulah Riley twice, first in 2010 and again in 2013, ending in divorce. In 2017, he briefly dated Amber Heard. Since 2018, he has been romantically involved with Canadian musician Grimes, with whom he shares three children. With Shivon Zilis, a Neuralink executive, Musk also has three children, including two twins born in 2021 and a child born through surrogacy in 2024. Social media personality Ashley St. Clair claimed to have a child with Musk in 2025, bringing his total number of children to thirteen.

Overcoming Obstacles, Musk has had and continues to overcome multiple head-on financial, reputational, and personal controversies. His incredible work ethic has steered the direction of numerous companies toward success, carving out a place for himself as one of the world’s leading entrepreneurs.

Current Lifestyle and Interests

Musk works long hours across most of his companies, which is well known. He is deeply interested in science fiction and futurism. Recently, he made headlines for living a modest lifestyle compared to earning, like selling off personal assets and even expressing a desire to own less land. He has been involved in philanthropy, focusing on education, space exploration, and renewable energy.

Connection with President Donald Trump

Trump’s direct interactions with Musk have always been collaborative and contention from the independent standpoint of Trump taking on many bold policies throughout his presidency. Musk served on advisory councils during Trump and has publicly disagreed with policies, including climate change.

Daily Routine and Goals

Musk’s daily tasks are highly scripted and laid out for the week, with specific days for each of his companies. He further aims to amplify and hasten space exploration and the global shift towards sustainable energy while managing a company dedicated to augmenting humans’ potential. The time during the day is split into five-minute sections to achieve maximum productivity, each piece dedicated to a specific task.

In the pursuit of reshaping industries and technology for the better, Elon Musk serves as the best example of innovation, change, and the attainment of lofty goals.

https://youtu.be/xAq1GTU-JlM?si=Lbsk9REsiDaH5FM3

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

Here is the second part of Jeffrey Epstein Pedophile Island Guest Report. Shocking Report on former President Bill Clinton, Former New Mexico Governor Bill Richardson, Globalist Bill Gates, Democrat Senate Minority Leader and hundreds more high society members. Everyone on the Jeffrey Epstein Pedophile Island Guest List is on pins and needles about the Jeffrey Epstein Pedophile Island Guest Report. Bill Clinton storms into the Vanity Fair Press Headquarters and demands not to write any derogatory stories about his good friend Jeffrey Epstein

https://www.youtube.com/live/dhsaX2CQt3g?si=g_qZ56_r2Zvc_WrU

Referring to Illinois as “the most sinister state in the nation” is rather dramatic and subjective. Governors in trouble: Out of the last ten governors, four have served time in federal prison for bribery, racketeering, and other crimes. For example, Rod Blagojevich was convicted for attempting to sell Obama’s senate seat. George Ryan was convicted of bribery and racketeering. Chicago is often called the most politically volatile city in the US, as it is extremely prone to corruption and patronage. In addition to these, corruption on state and local levels constantly makes headlines. It is clear why some people find Illinois particularly shady.

There’s a multitude of reasons why Illinois struggles to contain its reputation.

Here’s a comprehensive breakdown of potential reasons:

Illinois has been known for its scandalous political achievements.

From the busted government overspending budgets to corruption on the local city council level, the government in Illinois makes a lot of noise, and the civic world is captivated by the thrill of it all, mixing the components of democracy with the raw energy of a carnival.

It suffices to say that, like many other states, Illinois is known for its “high property tax rates” and “burdening homeowners.” Putting it in the same circle as “always criticized” states like New Jersey and Connecticut.

Pension Crisis:

• Illinois has exceptionally alarming unfunded public pension liabilities that exceed $139 billion.
• This makes Illinois one of the states with the highest public pension debt, negatively impacting its fiscal condition.

Budget Issues:

• In Illinois, budget deficits have historically been common, severely limiting available funding for essential public goods and services.

Crime Rates in Major Cities

Chicago’s Crime Reputation:

• Why is every violent crime reported on the news?
• Chicago is a key contributor to the gun violence problem, in which the city grabs headlines with its high number of shootings and homicides.
• While there is a lot of debate surrounding the crime rate of disorderly conduct, the city is known for sitting at the epicenter of crime and violence.

Organized Crime Legacy:

• Al Capone’s historical reign of organized crime during Prohibition funded Chicago’s notorious legacy with organized crime and painted a picture of contemporary Chicago.

Population Decline and Exodus

People are migrating from Illinois due to high taxes, crime, and lack of employment opportunities, leading to a glaringly obvious population exodus and decline.

Mass Exodus:

• Illinois has consistently been on the list of states bordering net population loss after people started pouring into Florida, Texas, and Indiana.

Infrastructure and Urban Challenges

• Illinois’s old rural regions and cities are struggling due to inadequate and underdeveloped infrastructure.

Urban Decay

Some neighborhoods in Chicago and other metropolitan areas have problems with poverty, school dropout rates, underfunded schools, and economic opportunities.

Reputation in Media and Pop Culture

What people think about the state of Illinois, based on media and other platforms, is:

• The existing narratives have an overarching theme of crime and corruption, which has further entrenched negative perceptions.
• The American media often depicts Chicago as a center of crime, exaggerating the city’s issues.

It is easy to point out Illinois’s many problems, but ignoring its strengths and nuances is to brand it the ‘most sinister state.’ The state also has its share of cultural history and economic activities and an ethnically diverse population pursuing art, education, and innovation. Over time, many of these issues can be dealt with through reform measures and greater public awareness.

There seems to be some misunderstanding about Illinois House Bill 5522 (HB 5522) and its effect on gun ownership. HB 5522, which Representative Maura Hirschauer filed in the 103rd General Assembly, intended to restrict the sale, transfer, or possession of certain firearms and magazines, which are commonly referred to as ‘assault weapons.’ Like many other bills, HB 5522 did provide some allowances for law enforcement, the army, and civilians who possessed such weapons lawfully before the bill’s enactment. Those eligible were required to register with state police and pay a fee of 25 dollars.

It’s crucial to remember that the bill did not seek to take firearms from existing lawful owners. Instead, it provided registered owners with means to hold ownership. The bill did not progress to becoming law in the 103rd General Assembly.

By contrast, Illinois has already implemented “Karina’s Bill” (House Bill 4144), removing firearms from individuals subjected to an emergency order of protection regarding domestic violence accusations. This law was made to protect survivors of domestic violence further by ensuring that firearms are taken out of potentially risky situations.

In conclusion, while Illinois has proposals and laws on the minimum restriction of controlled firearm possession that, in some instances, enables ownership, there is no law that actively screens ownership for all citizens without reasonable motives being provided. The state’s legislative disposition has sought to deal with issues of public safety in the context of domestic violence and the use of firearms.

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

President Donald Trump talks a lot. Donald Trump makes a lot of promises. The president has talked a lot and promised a lot to the American people, and many of those promises, American taxpayers normally shrug it off. However, as time passes, it seems that he is making good on all of his promises so far. During his presidential campaign, President Donald Trump said he was going to abolish the Internal Revenue Service, and the IRS is a corrupt federal agency that is used to weaponize taxpayers who disagree with the Democratic Party. I agree with President Donald Trump’s ideology that you need to lower taxes at all levels to stimulate the economy and NOT increase taxes. To what merit does President Donald Trump’s statement and promise that his mission under his watch is to abolish the Internal Revenue Service and create the External Revenue Service? To what extent is the president willing to go, and how likely is it? Can you please share with the viewers at GCA Forums News? Since most of us members of GCA Forums News are not economists and just average American wage earners, can you run over three to five case scenarios where President Donald Trump succeeds in his mission to abolish the Internal Revenue Service, create the External Revenue Service, and there will be no more federal income taxes? What happens to income taxes and other taxes on the state level? How will this move benefit the American people?

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

GCA FORUMS HEADLINE NEWS for Thursday, February 20th 2025:

Currently, it is February 20, 2025. Here are the updates from the GCA Forums as of Thursday: Current Mortgage Rate Trends

It appears that mortgage rates have risen modestly this week. The forum members are analyzing the impacts on new buyers and those looking to refinance.

Changes to FHA Loan Limits

The Federal Housing Administration has changed the loan limits for some counties. This forum is split in half, as some are optimistic about increased eligibility while others doubt purchasing power.

Credit Score Improvement Methods

There is a thread focused on increasing one’s credit score, which is often viewed as more helpful when obtaining a mortgage. This thread has become very popular.

Real Estate Market Predictions

Some members are already stating their estimates for the upcoming spring housing market. Members discuss inventory, demand, and pricing.

Homebuyer Assistance Programs

There have been new posts on state-specific programs for new home buyers that provide grants or low-interest loans.

Expansion of VA Loan Benefits

Legislative changes have recently expanded benefits for veterans seeking home loans. Discussions have focused mostly on the eligibility and application processes.

Financing for Investment Properties

The forum participants shared information on different brokers and the financing options for rental properties, such as conventional loans, hard money, and portfolio loans.

Strategies for Mortgage Refinance

With recent rate shifts, members weigh the advantages and disadvantages of refinancing their existing mortgages.

Economic Factors and Their Effect on Housing

Threads are looking at how employment records and overall inflation affect the housing market and mortgage rates to predict the next economic move.

How to Prepare for a Home Appraisal

A guide has been posted outlining how sellers and buyers can prepare for a home appraisal and what factors affect the cyclic valuation of homes.

Visit the GCA Forums for more in-depth discussions and the most recent updates.

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

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

When you receive an IRS audit notification, it can be unsettling. Understanding what this process entails for managing your response effectively. You’ll need to gather your documents and prepare for a thorough review. Knowing your rights and how to communicate with the IRS examiner can significantly impact your experience. But what common issues might arise during this process, and how can you address them? Let’s explore these essential aspects.

Key Takeaways

– The IRS exam process begins with a notification, detailing the timeline and required documentation for review.
– Collect and organize all relevant tax returns and supporting documents to ensure accuracy during the examination.
– Be prepared for a thorough review by the IRS examiner, which may take several weeks to months.
– Maintain open communication with the IRS agent to clarify any uncertainties and address discrepancies proactively.
– After the audit, review findings carefully, and understand your right to appeal if you disagree with the results.

Understanding the IRS Audit Notification Process

When you receive an audit notification from the IRS, it can be both surprising and daunting. Understanding the audit triggers that lead to such notifications is crucial. These triggers can range from discrepancies in reported income to suspicious deductions.

Once you receive the notification, there’s a specific timeline you must adhere to. The IRS typically provides a deadline for your response, so it’s essential to act swiftly. Responding effectively means gathering all necessary documentation and addressing the concerns outlined in the notification.

This proactive approach not only demonstrates your willingness to cooperate but can also mitigate potential penalties. By staying organized and informed about the process, you can navigate the audit notification more confidently and efficiently.

Preparing for the IRS Exam

As you prepare for the IRS exam, it’s crucial to approach the process with a strategic mindset. To ensure your success, consider these key document organization tips and financial recordkeeping strategies:

1. Gather Documentation: Collect all relevant tax returns and supporting documents for the past few years.

2. Review for Accuracy: Verify your tax return accuracy by cross-checking figures against your records.

3. Organize Records: Use folders or digital tools to categorize documents by year and type, making it easy to access them during the exam.

4. Prepare Explanations: Be ready to explain any discrepancies or unusual entries in your financial records.

What to Expect During the Examination

What can you expect during the IRS examination process?

First, you’ll receive a notice detailing the examination timeline, which typically spans several weeks to months. During this period, be prepared to provide specific documentation requirements, sax returns, receipts, and relevant financial records.

The IRS examiner will review your documents thoroughly, so having everything organized can streamline the process.

Common Issues and How to Address Them

While navigating the IRS examination process, you might encounter several common issues that can complicate your experience.

Addressing these challenges proactively can help you maintain your taxpayer rights and ensure a smoother process. Here are some common issues and how to tackle them:

1.Documentation Discrepancies: Ensure all records are accurate and well-organized to avoid misunderstandings.

2.Lack of Communication: Keep an open line of communication with your IRS agent to clarify any uncertainties.

3. Understanding Your Rights: Familiarize yourself with your taxpayer rights to ensure fair treatment.

4. Appeal Process: If you disagree with findings, know that you have the right to appeal and should follow the necessary steps promptly.

Finalizing the Audit and Next Steps

After addressing common issues during the IRS examination process, you’re now ready to finalize the audit and understand the next steps.

Start by reviewing the auditor’s findings and considering your audit resolution strategies. If you disagree with any conclusions, prepare to present your case, as this could significantly impact your tax liability implications.

Once you’ve resolved the issues, the IRS will issue a final report, summarizing the audit results. You’ll need to follow post-exam procedures, which may include paying any owed taxes or appealing findings if necessary.

Keep in mind that timely responses are crucial; failure to act could complicate your situation further. Stay organized and proactive to ensure a smooth conclusion to your audit experience.

In Conclusion

So, you’ve danced through the IRS exam process, twirling around documents and dodging discrepancies like a seasoned performer. Remember, it’s not just an audit; it’s a riveting show where you’re the star—albeit one under the spotlight. With the right prep and communication, you can turn this tax tango into a smooth waltz. After all, who doesn’t love a good audit story? Just keep your paperwork handy, and you’ll be ready for an encore when the IRS calls!

When we speak to taxpayers who have unfortunately fallen into the IRS Collection Division and believe their hardship can be settled with a hardship letter and the IRS just goes away unfortunately that’s not how it works. These individuals are confronted with the prospect of dealing with federal tax issues imposed by the (IRS) and not having a clear understanding of what the rules are and what’s available to the taxpayer.

If you find yourself dealing with any tax-related issues in Orlando, Florida or anywhere in the Central Florida or for that matter anywhere in the USA we are a phone call away. 407-531-8705

Book Your Free Tax Consultation

Peter Kici EA

GCA FORUMS HEADLINE NEWS for Wednesday, February 19th, 2025. Great Content Authority Forums news topics for today will cover the mass amount of fraud and corruption revealed by the Department of Government Efficiency (DOGE) led by Elon Musk and his team of auditors. The fraud and corruption discovered is not even one percent of federal agencies. DOGE also discovered that over 3 million people older than 100 years old have been collecting social security benefits, and some even older than 150 to 300 years old. There is no such thing in existence. The dead people getting social security turns out to be in the trillions of dollars. Corruption, greed, and fraud are totally out of control. President Trump said that with the hundreds of billions of fraud and corruption in government, the American people may be getting a stimulus check that will make a huge impact in their lives and get the federal government back in order. The biggest corruption and fraud that is anticipated by DOGE is by USAID, the Social Security Administration, the Federal Reserve Board, the Internal Revenue Service, the Department of Defense, the PENTAGON, Health and Human Services, the Department of Treasury, and the Federal Aviation Administration. Department of Homeland Security, especially FEMA.

GCA FORUMS HEADLINE NEWS

February 19, 2025

The Department of Government Efficiency (DOGE) Makes Diligent Headway

Major revelations have come to light due to the efforts of Elon Musk and an astute team of auditors at the Department of Government Efficiency (DOGE). It has issued a shocking report detailing the stupendous fraud and corruption that several federal agencies have perpetrated. Unfortunately, neither probes nor internal audits were offered by the government departments, and, as a result, the frauds detected stood at over 3 million dollars. The expenditure, however, was a meager fraction, 0.87% to be precise, depicting the level of skepticism that can be placed on the operations of these agencies.

The most startling is that more than 3 million individuals are over 100 years of age. For extraordinarily gracious reasons, certain records show beneficiaries claiming between 150 and 300 years, which is impossible. From the analysis that has been done, it can be stated boldly that America is losing trillions of dollars, which, in all honesty, is emitted from the nation due to a remarkable amount of sociopathic greed and fraud.

In his comments, President Trump stated that manipulating and cheating the system, which accounts for hundreds of billions of dollars, may enable Americans to receive financial relief. He also suggested that stimulus checks could significantly affect the lives of families nationwide, all while underscoring the urgency of restoring order to the federal government.

Among the most important areas of corruption listed in the DOGE report are:

• USAID
• Social Security Administration
• Federal Reserve Board
• Internal Revenue Service
• Department of Defense and the Pentagon
• Health and Human Services
• Department of Treasury
• Federal Aviation Administration
• Department of Homeland Security, notably FEMA

While furthering these investigations, the public and lawmakers have asked for detailed solutions to address the concerns. These revelations have brought up a major issue: the worrying lack of supervision and responsibility in how the government functions and how such intricate fraud can be perpetrated in the first place.

Make sure to keep an eye out as DOGE comes up with more results for their scans and as the repercussions of these results unfold. During this time, the reputation of the federal agencies and the possibility that social aid programs have actually helped the people seem slim. It is now upon the country’s leaders to take immediate steps and deliver.

https://www.youtube.com/watch?v=_RsV2BllnnM&list=RDNS_RsV2BllnnM&start_radio=1

GCA FORUMS HOUSING AND MORTGAGE NEWS for February 17th 2025.

Comprehensive Overview of National Housing and Mortgage News

February 17, 2025

As of February 2025, the national housing and mortgage system is experiencing tremendous changes due to several factors, such as economic conditions, governing rules, and market changes. This article will analyze the important keywords and patterns influencing the industry.

Environment of Lending and Rate of Mortgage

Increased Interest Rates:

• Having enjoyed the benefits of low mortgage rates, lenders are now preparing themselves for the reality that interest rates will increase with time.
• Fixed-rate and adjustable-rate mortgages have become expensive.
• This is because of the recent changes in the Federal Reserve’s policy to control inflation.
• Given the market’s unpredictability, borrowers should shop around for better rates and secure them in advance.

Stricter Lending Qualifications

These advanced criteria are being adopted by banks and other lending institutions to reduce risk. While it undoubtedly takes time to achieve desirable results, these standards are designed to create effective long-term stability.

Advances in The Housing Market

Price Change Causes:

• Prices in the US were predictably increasing again, even with rising interest rates.
• However, growing increases limited depreciation growth.
• In several metropolitan areas, prices dipped as new construction began to normalize demand.
• However, pricing standards for homes settled in major areas are still experiencing price growth.
• Home values are increasing significantly, even rejecting additional home construction buildings assumed to do so.

Buyer Behavior Changes Known

Considering deficits, prices are stressed. All buyers purchase smaller properties that require fewer resources to sustain themselves. The pricing is still trending towards regions yet to be settled, indicating less expensive living as compared to dominating cities. Developing regions are becoming appealing due to fluctuating population trends, and these are making developers change the types of projects as well as the places of their development.

Changes In Regulation and Policies

Recent Developments On Efforts to Make Housing More Economically Accessible:

• State and federal authorities are developing new arrangements to ensure easy access to housing options such as renting or buying.
• These arrangements focus mainly on helping prospective purchasers with financing using tax credits and funding projects to develop affordable residences and homes.
• These bodies also examined mortgage guarantees to ensure they checked for discrimination and abuse.

Environmental and Energy Efficiency Standards

A few states are implementing stricter building codes and energy efficiency standards due to growing environmental issues. These standards mitigate the carbon footprint of residential buildings and affect mortgage lending because banks have started to issue green home loans with more favorable terms for improving energy efficiency.

Economic Indicators and Market Forecasts

Economic Growth and Consumer Confidence

• A positive shift in economic conditions, including slow growth in GDP and increased employment opportunities, supports consumer spending in the housing market.
• However, some consumer confidence is still fractured by the uncertainty surrounding interest rates and the possibility of market corrections.
• Industry experts warn that while resilience is in sight in the near term, a lot rests on how inflation and housing supply problems are handled in the longer term to ensure sustainability.

Future Market Trends

Experts predict a balanced housing market in the short term, with new construction projects alongside a steady price decline. As an already established trend, mortgage borrowers will likely continue upgrading their digital services, providing more tools for easier application procedures.

Make Smart Choices:

• Consider the current state of the economy when determining how much money will be committed to homeownership.
• These solutions were developed due to the complex nature of the mortgage industry.
• They support clients in obtaining the needed information to overcome the numerous obstacles of the 2025 housing market.

Around February 17, 2025, the national housing and mortgage industries reached a landmark moment. The impending change is bound to be colossal due to surging interest rates, shifts in buyer tastes, inventory problems, and strong regulatory action. While there are still issues to be dealt with, innovation furthered by industry leaders like Gustan Cho Associates ensures that there are no obstacles for prospective homeowners to make confident and sound decisions in a highly volatile market.

These are the most recent trends in the world of housing and mortgage news, and as always, we will continue to provide you with the latest updates.

GCA FORUMS HEADLINE NEWS for Monday, February 17th, 2025. In today’s GCA FORUMS Headline News, here are the topics we like to cover:

1. Florida Governor Ronald DeSantis declares the coronavirus vaccine was a weapon of mass destruction.

2. President Donald Trump exercises his presidential executive order to make any private and governmental agency from making the employees or job applicants take the coronavirus vaccine.

3. There are 47 side effects of diseases the coronavirus vaccine causes.

4. Elon Musk continues to audit government agencies for fraud and corruption: The amount of dead people over 120 years old getting social security is into the hundreds of billions.

5. Elon Musk has his SpaceX people be part of the DOGE’s FAA audit team.

We will be covering the above and today’s breaking headline news.

GCA FORUMS Headline News—February 17th, 2025

In a statement that will baffle many, Florida Governor Ron DeSantis labels the COVID-19 vaccine as a weapon of mass destruction.

This statement by DeSantis comes as he has been very critical of public health policies regarding COVID-19 over the past two years. DeSantis has undoubtedly been one of the Central American politicians to fight side by side with those in power who believe that the vaccine is a danger instead of a remedy. It is an opinion that has both fierce followers and equally fierce enemies.

Donald Trump Declares an Executive Order for Vaccine Mandates

Former President Donald Trump recently used his presidential executive order to stop the uncontrolled abuse of power by private sector organizations and governmental departments that require employees or those willing to join the organization to take the vaccine. This act is seen as part of what he had earlier campaigned against during his presidency, appealing to the masses in its most basic form by not requiring people to take mandatory health regulations.

Claims of 47 Side Effects Linked to the Coronavirus Vaccine.

Health concerns surrounding the coronavirus vaccine have reached new heights following the newfound reports of 47 unique side effects ranging from common to severe. Every new debate only stirs the pot deeper and deeper. While authority figures recognize some acknowledged side effects, the matter of their scope and the claims of some being grave require much deeper focus.

Elon Musk Audits Government Agencies for Fraud and Corruption

Few knew Elon Musk had initiated probes into government agencies suspected of wrongdoing, fraud, and corruption. One of the most eye-opening is the claim that hundreds of billions of dollars in social security benefits are supposedly paid to people over twenty. Questions have to be raised about the Social Security system and why there seems to be so little control over government finances.

Elon Musk DOGE’s Audit Team has started to audit the FAA.

In some of the most shocking news recently, members of SpaceX have controversially been open to suggestions of aiding in the FAA audit. The purpose of the audit is to ensure there is no misuse of public funds to promote the use of space technology and the public.

Recent news has revealed important information related to public health policies, government regulation, and financial responsibility. Even now, the words and deeds of well-known people like Gov. DeSantis, President Trump, and Elon Musk move the dialogue on the nation’s health, safety, and management forward.

GCA FORUMS Housing and Mortgage News-Weekend Edition Saturday, February 15, 2025: I this GCA Forums Housing and Mortgage and Mortgage News, we will be covering the likelihood of dropping mortgage rates, the affordability of buying a new home, The Federal Reserve Board News on interest rates, the yield on the 10-year U.S. treasuries, home prices throughout the United States, Elon Musk’s DOGE plans on auditing and potentially abolishing the Federal Reserve Board, the Internal Revenue Service, and the CFPB, the privatization of Fannie Mae and Freddie Mac, the likelihood of a potential real estate and financial crash worse than the 2008 financial crisis, the soaring rate of inflation, the unemployment numbers, the consumer pricing index, the U.S. economy, going back to the gold and silver standard, how the deportation of millions of illegal migrants impact the housing and mortgage markets, inventory versus housing demand of single-family homes, and how DOGE’s plan of auditing federal agency has the impact of the housing and mortgage markets. If you can input your opinion, data, and forecast of the national housing and mortgage news, it would greatly appreciated.

https://www.youtube.com/watch?v=dSIjejyJ87k

GCA FORUMS DAILY NEWS: National Headlines News Update for Friday, February 14th, 2025: President Donald Trump is on the national spotlight every minute of the hour, seven days a week since taking office on January 20th, 2025. Right next to President Donald Trump’s grand plan on Making America Great Again is rising star and fraud fighter “superhero” Elon Musk and his piloting the Department of Government Efficiency (DOGE). DOGE, under the leadership and management of Elon Musk, has discovered trillions of dollars in fraud. The fraud discovered by Elon Musk’s DOGE is trillions of dollars in taxpayer funds have been used to enrich large corporations, government agencies, and politicians at all levels (federal, county, and local), foreign countries such as Ukraine, China, and third-world countries with nothing to do with the United States, as well as non-essential causes that have absolutely no benefit to America and the American people. Hundreds of millions in aid sent to foreign countries is said to have never reached the country; they never got it. Where did the money go? Fraud in government is substantially exponentially higher than ever expected. At a press conference at the White House, with President Donald Trump at his side, Elon Musk said the trillions of fraud discovered in less than one week are the tip of the iceberg. Musk said DOGE has not even started the real in-depth fraud investigation. The federal government, under the control of the Democrat Congress and Senate and Democrat President Joe Biden and Vice President Kamala Harris, has turned the federal agencies under the helm of the Federal Reserve Board and the Internal Revenue Service, developed, created, and launched the United States of America into a gigantic candy jar to enrich themselves, families, friends, and allies into an endless lifetime money printing press with nobody to watch, question, or stop them. How can Congresswoman Nancy Pelosi have a net worth of $80 million on a $174,000 salary from the federal government? How can Barack and Michelle Obama have a net worth of $100 million when they were literally flat broke when Barack Hussein Obama became elected president? Same scenario with William Jefferson Clinton and Hillary Clinton, as well as Joe Biden and Kamala Harris. The fraud audit started with USAID and will expand from there to the U.S. Department of Education. President Trump wants to see the abolishment of the Federal Reserve Board, the Internal Revenue Service, and the CFPB. Elon Musk said he likes to see DOGE audit every single federal agency in the United States government and take a second look at what each agency does and to what benefit the agency has to America and the American people. It will then be decided on a complete restructure or reorganization if need be, or the agency will get abolished forever. While DOGE is coming up with fraud after fraud, scam after scam, Democrat members of Congress and the liberal media were going crazy and losing their minds, criticizing President Donald Trump, Republicans, Elon Musk, and the Department of Government Efficiency. It is extremely alarming how rampant fraud is. This is not even the start. Just a needle in a haystack. Hundreds of trillions of dollars of fraud will get discovered, tens of thousands of people and heads of corporations and government agencies will get indicted, arrested, tried, convicted, and sent to prison for a long time. The buck does not stop at the federal government level. Fraud is most likely more widespread at the state, county, and city levels as well. In today’s GCA Forums Headline News, we will cover the widespread fraud in federal government agencies, politicians, and the extent of fraud that exists in the United States, as well as how bad the Federal Reserve Board and the Internal Revenue Service have taken advantage and defrauded America and the American consumer. This post on fraud in America on Great Content Authority Forums is a developing story. We will continue to cover this topic daily and update our viewers at GCA FORUMS NEWS.

https://www.youtube.com/watch?v=Gop1_usKAM8

Sukhothai is a great place to visit if you’re into history. Once the capital of Thailand’s first kingdom, the area is now filled with open parks and ancient ruins that let you step back in time more than 700 years. Walking around Sukhothai Historical Park, you can see old temples, simple stone carvings, and Buddha statues that have lasted centuries. It’s a great place to slow down, learn a bit about the past, and enjoy a quiet day exploring history.

There’s been a lot of talk about shutting down the Federal Reserve Board from President Donald Trump even before President Trump’s 2024 presidential election on November 4th, 2024. The potential shutdown of the Federal Reserve Board talks is not decreasing but, on the contrary. There are more and more talking points about the potential fraud and political favors the Federal Reserve Board commits as well as the trillions of dollars the Fed prints. The Federal Reserve Board is known and has a reputation decades old that it works to benefit the big banks, Democrats, Black Rock, George Soros, high-powered politicians, and the liberal radical media. The Federal Reserve Board sets the monetary policy and has tons of power they do not deserve. Federal Reserve Board Chairman Jerome Powell thinks he is untouchable and President Donald Trump cannot fire him, nor can the President influence him or threaten him on how he should lead the Federal Reserve Board. President Donald Trump did express his advice to Jerome Powell that interest rates should be cut to firestart the economy despite soaring inflation and the depressing runaway U.S. economy. Jerome Powell ignored the comments from President Donald Trump and did not change interest rates. The U.S. dollar lost value and respect from countries around the globe due to the Federal Reserve Board printing money and giving it to their friends. Can anyone please tell us viewers of GCA FORUMS NEWS about how serious it is abolishing the Federal Reserve Board and having the United States dollar backed by gold and silver? I am getting more confidence and respect for Elon Musk and the newly created Department of Government Efficiency (DOGE) in DOGE revealing and cracking down on the out-of-control CORRUPTION and FRAUD among federal government agencies and the hundreds of billions of dollars of taxpayer money being wasted, stolen, laundered, and not accounted for until now, where it is getting discovered from President Donald Trump’s aggressive crackdown on public corruption and fraud.

https://www.youtube.com/watch?v=mUgzGTV9QVU

• This discussion was modified 2 months, 3 weeks ago by  Gustan Cho.

Former President Barack Obama used to be a rising star. However, Barack Obama is pretty much a nobody. Obama has a huge ego and thinks his endorsement of Kamala Harris would guarantee Kamala Harris a victorious landslide 2024 Presidential win. Unfortunately, Obama made his endorsement and presence worse than better. Obama had the nerve to say that black brothers needs to vote for Kamala Harris or they ain’t black. The arrogance of Barack Obama backfired on him

Barack Obama thinks he is more important than he is and many Americans have zero respect for this arrogant incompetent former President. Here’s a video about Barack Obama.

https://youtu.be/lHt2MRm3InQ?si=f-wUO30QeT9tZqbi

In today’s GCA Forums Headline News for Wednesday, February 12th, 2025, we will cover the latest update on the progress President Donald Trump is making. Elon Musk, the appointed head of the Department of Government Efficiency (DOGE), is making great progress in the one week he officially started as head of DOGE. Elon Musk discovered hundreds of millions of taxpayer dollars that are unaccountable for. Elon Musk questioned whether the missing funds were laundered or misappropriated. Musk also questioned how an elected official can make $174,000 per year and have a net worth of $20 million. Were they savvy investors? Was it a book deal? Was it family inheritance? Or was it fraud? The one’s who scream the loudest are the one’s that have something to hide. President Donald Trump pardoned former Illinois governor Rod Blagojevich and is considering offering Blagojevich the job of becoming the United States Ambassador to Serbia. Tom Homan and Homeland Secretary Kristi Noem are aggressively working on hunting down illegal immigrants and starting deportation procedures. Trump is working on tariffs for China, Canada, and Mexico. Attorney General Nominee Pam Bondi has cut off funding to sanctuary cities and states. President Donald Trump is directing Elon Musk to do a full audit of the Federal Reserve Board to determine the amount of money the Feds are siphoning from U.S. taxpayers. Bondi is suing mayors and governors of sanctuary cities and states. There was talk that Pennsylvania Governor Josh Shapiro headed President Donald Trump’s assassination attempt. New York City Mayor Eric Adams had all of his federal charges dismissed under the directive of the Trump Administration. Chicago and 25 states are expected to get a snowstorm, including bitter cold and treacherous driving conditions. Inflation numbers are still high, as are interest rates. Prices of gold and silver per ounce are hitting all-time highs again. Great Content Authority Forums Headline News will update GCA FORUMS NEWS articles as new development get updated.

https://www.youtube.com/watch?v=L27N_I9Yg98

I have always liked former governor Rod Blagojevich of Illinois. However, I think Blagojevich got a bad rap. Barack Hussain Obama is one evil son of a bitch crook who had a lot to do with throwing Rod Blagojevich under the bus. After 8 years in the federal penitentiary in Colorado former president Donald Trump pardoned Rod Blagojevich. Obama initiated the demise of Rod Blagojevich. Obama needs to go to HELL.

https://youtu.be/rR43DIaAOz4?si=rPz45WlC9jOmcx8N

I spoke with James Abrams, who normally goes by JD. JD is a BDM at NEXA Mortgage, and I have known him for several years. I have heard different, if not shocking, news from JD. JD adopted a German Shepherd dog over a year ago. The dog’s name is Chloe. The German Shepherd dog Chloe is two years old. I asked JD how his German shepherd dog was doing. JD went on to tell me that his dog is doing great and how much he loves Chloe. Then he went on to tell me about an incident he had with Chloe a few months back. James said his German shepherd dog, Chloe, had ten puppies. The father of the ten puppies is not known since Chloe got out of her territory and wandered the neighborhood. The weirdest part of the story was that every time James went to check on the puppies, the number of pups was getting reduced. For example, the ten puppies he witnessed and counted, it went down to eight pups. Then seven puppies. Then five. So JD said something was up. Long story short, Chloe, the German shepherd dog that gave birth to ten puppies, was eating her own puppies with two puppies left over. Besides the ten puppies, the German shepherd Chloe at two birds, Cockatiels, that James kept as pets. I will ask James if he can share the entire story on this forum. Anyone hear of such a bizarre incident where a dog who gave birth to a large litter of puppies at the entire litter? I heard of animals eating the placentas of their newborns but not devouring the entire pup. Something is wrong with her. Any response to this thread will be greatly appreciated.

JD, I appreciate you sharing your story. I am sure you going through this bizarre incident with Chloe is not the first case among those dog lovers and owners who are either intentionally or unintentionally breeding their dogs.

https://www.youtube.com/watch?v=2SspHJ-xOdI

What does $500 a month (U.S. Dollar) get you in the Philippines? How much does a average middle class wage earner make in the Philippines? How much is the average college graduate make in the Philippines? How is living in the United States like compared to the Philippines? How do you buy a house in the Philippines? What is the average cost of a house and how much money do you need to buy and finance a home? How does the housing and mortgage industry in the Philippines work? How much does a car cost? How do you buy and finance a car in the Philippines?

The very touching and sad tale of Tommy the Alsatian and his owner, Maria Margherita Lochi, occurred in a small village called San Donaci in southern Italy. Here is their story in detail:

Connection:

57-year-old Maria Lochi adopted Tommy as a puppy when he was a stray. They became inseparable over time. Maria had taken in many strays since she was known for her love for animals, but there was something special about Tommy.

Church Attendance:

Every day, Maria would walk to mass at the Santa Maria Assunta village church, which Tommy would always follow. Father Donato Panna, the priest, let him sit quietly by her feet during services.

Maria’s Death:

Maria died in November 2012, and her funeral took place at the church where she used to go regularly.

Tommy’s Vigil:

Tommy began showing up at the church every day after Maria died whenever the bells rang for mass. He would sit silently where he sat with her during services until she died. He continued this behavior month after month following her death.

Community Response:

The villagers were touched deeply by how loyal Tommy remained even after his owner passed away; they often brought food and water for him so that he could keep waiting there without starving or dehydrating himself while still being cared for.

Father Panna’s Role:

Father Donato Panna found himself particularly moved by what seemed like an unbroken commitment displayed on behalf of this creature towards its deceased master.“He still comes to mass each morning even though she is no longer here,” said the father. He waits patiently beside the altar railings and then just sits down quietly there. I didn’t have the heart to chase him away—I’ve only just lost my own dog, so I let him stay till the end of service before letting him out.”

Adoption:

Eventually, Father Panna decided that seeing as how faithful tending never could find another place to call home except near church, where memories about Maria seemed strongest, it would be best if he himself adopted him instead, giving opportunity for this poor animal to remain without any roof over his head at all hours but one closest to his owner’s memory.

Community Impact:

When Tommy’s story hit international headlines, it moved the locals and people worldwide. It was a powerful illustration of the deep relationship between humans and animals and how those bonds continue even after death.

Legacy:

In canine loyalty discussions and examples showing the depths of animal feelings, Tommy’s tale has been used since then. It is often mentioned during debates on whether or not creatures grieve. Also, if they do, what is duration supposed to mean exactly?

Here is a heart breaking story of Tommy the German Shepherd dog who kept on coming to church every Sunday after his owner Maria passed. The priest eventually ended up adapting the homeless loyal German Shepherd dog, Tommy.

https://www.facebook.com/share/v/o2E4cbXkBPvg67vv/?mibextid=NqTh7c

• This discussion was modified 9 months, 1 week ago by  Gustan Cho.

facebook.com

Dog Refuses To Leave The Church, Then The Priest Checks The Camera And Sees A Strange Sight | Dog Refuses To Leave The Church, Then The Priest Checks The Camera And Sees A Strange Sight | By Engineering & ScienceFacebook

Dog Refuses To Leave The Church, Then The Priest Checks The Camera And Sees A Strange Sight

Hello, I’d like to start a series of posts about my travels around Thailand. Over the last three years, I’ve been back and forth quite a bit to visit my (now) wife’s family and friends, and during that time, I’ve gotten to see a surprising amount of the country.

One fun fact: I actually got married in Thailand at the end of 2024. Coordinating a wedding abroad was a challenge, but it turned out to be an unforgettable experience—plus, it gave me the perfect reason to keep exploring all the different sides of Thailand.

I’ve spent time in all sorts of places, from lively city centers to quiet temples and scenic coastlines. Each region has its own vibe, culture, and must-see spots. I’ve included a few photos here to give you a quick taste of what Thailand has to offer, and I’ll share more (along with travel tips and stories) when I delve into each location in future posts.

Feel free to jump in with your own stories, tips, or favorite memories from Thailand. I’d love to hear about your experiences, too!

• This discussion was modified 3 months ago by  Chad Bush.

Below are impactful keywords related to bad credit mortgages. They have been divided by search intent and relevance:

General Keywords with High Volumes

General keywords attract a lot of traffic searching for solutions to mortgage loans with bad credit.

• Bad credit mortgages
• Loans for terrible credits
• Home loans with poor credits
• People with poor credit home loan lenders
• Loan for people with low credit score
• Buying homes with poor credit history

Specific Long-Tail Keywords

• These types of keywords are more focused and have relatively better conversion rates.
• Best lenders for bad credit mortgage

If I have poor credit, can I get a loan?

• Homebuyer loans for bad credit.
• Can people with poor credit qualify for a loan?
• Mortgage loans for people with low credit scores.
• Bad credit home loan programs.

Keywords for Government-Backed Loans

• These keywords are quite popular because a loan with a poor credit score will likely be from an FHA, VA, or USDA loan.
• FHA Loans for Bad Credit
• Home VA Loan with a low credit score
• USDA Loans for low credit score borrowers
• Non-credit score-specific government mortgage loans
• Bad creditors with FHA Loan provisions
• VA Credit Score Housing Loan

Specific Keywords for Credit Score

• Other borrowers need to know if their credit score meets the requirement.
• Loans for Persons with Credit Scores Below 600

Is it Possible to Get a Mortgage with a 500 Credit Score?

• Mortgage Providers for 550 Credit Score.
• FHA Financing for 580 Credit Scores.

What is the Best Mortgage for Low Credit Scorers?

• No Credit Check Alternate Solutions.
• Some borrowers look for mortgage lenders that do not do credit checks or have other ways to provide approval.
• Mortgage Providers Without Credit Check.
• Home Loans without Credit Verification.
• Rent To Own Properties for People with Bad Credit.
• Other Mortgage Options For People With Bad Credit.
• Hard Money Loans for People with Bad Credit.

Keywords:

• Down Payment and Assistance.
• Bad credit borrowers look for mortgage loans with low or zero downpayment or programs that offer downpayment subsidies.
• Bad credit affordable down payment mortgages.
• Bad credit, no downpayment home mortgages.
• Bad credit buyers’ down payment aid programs.
• Bad credit first-time home buyer grants.
• How can a person with bad credit purchase a house with no mortgage down payment?

Bad Credit Mortgage Refinance Loans.

Many mortgage holders with low credit scores wish to refinance their existing mortgages for lower interest rates.

Can I refinance my mortgage if I have poor credit?

• Home loan refinance options for people with bad credit.
• Best refinance financial loans for people with bad credit
• FHA streamlined refinance does work for people with bad credit
• Refinancing mortgages with low FICO scores

Subprime & Specialized Loans

These keywords cover borrowers whose creditworthiness has not met the mark cut set by insuring agencies for loans and mortgages issued by coverable banks.

• Subprime home loans for bad credit
• Non-QM loans for bad credit borrowers
• Portfolio loans for bad credit mortgage lenders
• Self-employed mortgages for bad credit
• ITIN bad credit loans

Mortgage Credit Steps

Several borrowers offer assistance with their credit rates, enabling them to request loans according to their usage order.

• How do I increase my credit score to get a mortgage?
• How do I get a home loan with a poor credit history?
• Actions to fix your credit before you decide to buy a house.
• Strategies for getting mortgage approval despite a bad credit score.
• Getting approved for mortgages as a first-time home buyer

Keywords by Location

• The search can be enhanced further by attaching the concerning areas to the keywords.
• Mortgage lenders who accept bad credit in [city/state]
• FHA loans for bad credit in [location]
• Home loan lenders in [state] for people with bad credit.
• Bad credit mortgage brokers close to me.
• Purchase a home with poor credit in [city].

Use these phrases and combine them:

• Short-tail and long-tail keywords should be placed across your website and blog articles.

Provide answers to common questions:

• Write FAQ pages or blog posts about common issues related to bad credit mortgages.
• Can I buy a house with a 500 credit score?

Guide and Comparison articles:

Best Mortgage Lenders in 2024 for Bad Credit

FHA Vs. VA Loans With Bad Credit. Which Is Better?

Incorporate city, state, and zip codes in your mortgage keyword strategy and make the content more SEO friendly.

Answering common queries tends to get featured on Google. Try building concise captions regarding mortgages so you appear in People Also Ask.

Do you want my assistance with building the content for a blog post or so using these keywords?

Keywords For Mortgage Websites

Sapna, Ravinder, Anngelli, April, Marga,

I spent quite a lot of time yesterday going over the search engines. To my surprise, many of the important keywords we lost over the past 24 months we got them back for the following websites:

www,gustancho.com

http://www.gcamortgage.com

http://www.gcaforums.com

http://www.mortgagelendersforbad credit.com

http://www.fhabadcreditlenders.com

http://www.non-qmmortgagelenders.com

http://www.lendersforbestrates.com

http://www.preferredmortgagerates.com

Sapna, what do you think about have our team work on the above websites too? Let’s still concentrate on http://www.gustancho.com, http://www.gcamortgage.com, and http://www.gcaforums.com but still, Anngelli, April, and myself can do one or two rewrites per day on the other websites. I need a full report on all the blogs me and the girls sent and need the following analysis:

1. Did it change position and if so, what is the ranking, how many keywords, and what is working after the rewrite and update.

2. If we lost positions, I need to know why, potential reasons, and change the articles back to original.

3. For all the keywords we lost on http://www.gcaforums.com, we got them all back but we still have the old URL forum.gustanchoassociates.com.

Can you please tell me how many blogs and pages we have on the above websites?

Just checking in… I sent a number of texts and a couple of emails a week / 10 days ago. I figured you were probably both very busy with a number of things, and it might have been difficult to get back to me. A follow up on those items…….I finally had a chance to get copies made for my files of the new exterior elevation drawings I gave you a meeting or two ago. I have dropped those 24″ x 36″ sheets back in the mail to you for your files. I have also reduced them down to 8 1/2 x 11 size, scanned them, and attached them to this email so you also have a smaller, more manageable size sheet.

I have also attached the previous sketch that identified your contractors layout of the new 2nd floor bath…..if you can confirm that it indeed was constructed this way, I will change the PHASE ONE drawings to reflect this as an “as-built” condition. Since it has been completed, there is no sense in showing it as any type of new construction on the documents.

Also, was anything “constructed” with regard to the “attic space” ? If I remember correctly, you indicated you were going to get back to me once you had discussed the possibilities, based on existing conditions, with your contractor. The “attic space” could (?) have implications and affect the PHASE ONE documents depending on what construction, if any, was contemplated or constructed.

If you could zap me back with an update regarding the above when you have an opportunity, it would be greatly appreciated.

As always…THANKS