It’s a real shame how people and corporations treat the elderly in 2024. These people have worked their entire lives and supported and raised families. If it weren’t for them, we would have nothing. Yet they are being discarded once they have been sucked dry of all their money, even when having a lifetime contract to live in a senior living facility.

https://youtu.be/8XKlIGGTNWY?si=_1IfrU62Cq0cGO4q

California Governor Gavin Newsom vetoes bill that would have given undocumented immigrants access to home loans. Can you please explain the $150,000 Housing Grant Bill to undocumented immigrants in California?

https://www.foxla.com/news/newsom-vetoes-bill-housing-loans-illegal-immigrants

• This discussion was modified 4 months ago by  Gustan Cho.

foxla.com

Newsom vetoes controversial bill that would have given housing loans to illegal immigrants

California Gov. Gavin Newsom vetoed a controversial bill that would have given hundreds of thousands of dollars in housing loans to illegal immigrants.

I want to know if Buying a Short Sale Home From a Seller with Lender Approval is a good idea. I am getting many different answers from family, real estate investors, homebuyers, co-workers, loan officers, attorneys, and real estate agents who supposedly are familiar or knowledgable buying a short sale home from a homeseller with the mortgage servicer and lender’s approval. Frequently asked questions by homebuyers who want to know the benefits and negatives of buying a short sale home from a mortgage lender. Many homebuyers think if buying a short sale home from a lender is a good idea. Many homebuyers are told by real estate agents buyers can buy it at a huge price reduction while other real estate agents are telling buyers lenders are not discounting the price of the home. Is it true that buying a short sale home takes up to one year to close? What things can go wrong buying a short sale home from a seller with lender approval?

Chevy Chase vs Bill Burger-King 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔

Correction; Chevy Chase vs Bill Murray 😁 😂 😀 🤣

https://www.facebook.com/share/r/wbt7VNqL2xj5xYBE/?mibextid=D5vuiz

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Chevy Chase recalls an altercation he had with Bill Murray at “Saturday Night Live” 🌟 For Acting Resources, click the link in our profile 💻🎭 Online Acting Classes Available! Send us a message with your name, number, and email to get started. #acting #actor #actress #actorslife #film #theatre #actors #cinema #monologues #movies #drama #casting #hollywood #shorts #tiktok #bollywood #instagram #director #tv #taylorswift #filmmaking #trendy #trending #actingtips #actingadvice #acting101 #billmurray #chevychase | Talent Agency Guide | talentagencyguide · Original audio

Chevy Chase recalls an altercation he had with Bill Murray at “Saturday Night Live” 🌟 For Acting Resources, click the link in our profile 💻🎭 Online Acting Classes Available! Send us a message with...

Kamala Harris is the nation’s biggest laughing stock. Kamala Harris is hands down the biggest jackass. Her accent imitation makes her become the dumbest Global idiot, including for the DEMOCRATS. Kamala Harris is such a FAKE. It is also alleged Kamala Harris is a severe alcoholic—more on this rambling idiot Kamala Harris. The incompetent Kamala Harris is a major embarrassment and disgrace. She’s one disgusting, unlikeable, lying, uncreditable, flip-flopping, mentally deranged subhuman blizzard piece of shit.

https://youtu.be/dvjWFuRvZRU?si=GnRDtHAKzkxXhcu1

I would like more specific insights on working with a real estate in my area which is the north side of Chicago. I am interested in selling my house and buying a home in the northwest suburbs with a larger lot and potential to add on. My brothers and I own a construction business and have a lot of experience with doing fix and flips, gut rehab, new construction homes for customers, developers, builders, and ourselves. We have used many real estate agents and sometimes I think they do a good job and is worth the money while other times I think they are completely worthless and I am wasting my 6%. I need a list of questions where I can vett out hard working experienced real estate agents to list my properties and to buy my house. What will the NAR ruling and new law affect using a real estate agent to buy or sell a home?

Are there many corrupt police officers where they will draft up false criminal charges against citizens? What happens if you were not speeding but get caught for speeding and you know for a fact you were not speeding. What happens if you get arrested for reckless driving for going over 30 miles over the limit and you know for a fact you were not going more than 10 miles over the speed limit. Does the police officer have to show you proof that he caught you going 30 miles over the limit? A reckless driving conviction can mean automatic cancellation of your drivers license and your insurance company can drop you. Are there many corrupt police officers? What can we do if you fall victim to a corrupt police officer? How do police departments hire honest police officers who are honest and protect and serve. I have been watching many YouTube videos about First Amendment Auditors and police corruption. Can you sue corrupt police officers? I have also seen many news reports of police officers planting evidence and lying just for the sake of arresting someone they do not like. What can we do about cleaning up society of corrupt cops?

My vantage scores are 699 and 703 but FICO is 645. I lost $1,000 after my landlord refused a reference last year. I also changed jobs for FT in a different industry. I had 2 years at last job and will be one year July for this position. Is there any hope? This is my last opportunity as I am 58. Looking at $40000-$60000 depending on my final pick.

How much does your lender make on your loan?

https://youtu.be/tmbbAW0hgXY?si=U9oZjAMcgNwNtb4o

I am an Experienced Mortgage Loan Originator. How Can You Approach a Home Builder and Become The Builder’s Preferred Lender. Why do home builders want to use you as their preferred lender? How do you become a Preferred Lender of a Home Builder? What do home builders want of a preferred lender. The bottom line is How Do You Become a Preferred Lender For a Home Builder? What can I do to get an opportunity to become a preferred lender for a regional or national home builder?

Does anyone know if there Down Payment Assistant programs in the state of California that also cover the real estate agent commission fee? With the recent NAR settlement, I’m wondering if buyers with no cash on hand may have this as an option if the seller will not agree to a buyer agent fee concession. Thanks.

My credit score is over 620 and I meet the mortgage lending requirements lenders ask. But then say I cannot be approved. My foreign earned income falls on the W2 line, and a previous underwriter said it needed to be amended – what can I do?

We live in NC and filed a Chapter 7 bankruptcy on our personal side and a Chapter 11 Bankruptcy on the business side after COVID closed our business. Both my husband and I had upper 700’s for credit before before filing Chapter 7 and Chapter 11 Bankruptcy. Bankruptcy was confirmed in Feb ’21 and final decree was just issued on 11/12/21. We have a home mortgage and HELOC as well as our SBA loan debt repayment that we’d like to roll into one mortgage with a refi. The SBA loan repayment will be repaid by end of 2022 but there is no penalty to repay early if we could refinance. Are we just out of luck with a refi and have to wait 2 years or is there any option to do a refinance now with a decent rate?

We don’t *have* to do FHA. Just hearing that they are the most forgiving re DTI. We can come up with a 20% DP if that would make a conventional work. Not sure what direction to go.

If I am a co-signer on an auto loan, is the debt calculated on my DTI? How does DTI work with Cosigner? Does cosigning a loan count as debt? Does co-signing a car affect debt-to-income ratio? Does cosigning an auto loan affect your credit?

If I can remove bankruptcy from credit report, will I qualify for mortgage? If my front end DTI is over 47% but my back end dti is under 50% will I qualify for FHA? Can you get a mortgage with a DTI of 47%? Can I get an FHA loan if I had a bankruptcy?

What is the maximum DTI for FHA front end? What are the rules for paying off debt to qualify for FHA loan? Can you pay down debt to qualify for a conventional loan? Can I get a mortgage after paying off debt?

• This discussion was modified 4 months, 2 weeks ago by  Sapna Sharma.

If my middle score is 600-610…can I get an FHA, or USDA mortgage? Can I get a USDA loan with a 600 credit score?

Can I get an FHA loan with a 600 credit score? How big of a loan can I get with a 600 credit score? What is the lowest credit score FHA will accept?

• This discussion was modified 4 months, 2 weeks ago by  Sapna Sharma.

If I get a co-borrow to sign on a mortgage loan but they sign a non-owner occupied will they still have access and rights to buy the home. If they chose to move in if I’m the primary resident? Can you co-sign a mortgage and not be on the deed? Does a co-borrower have rights to the property? Does a cosigner on a mortgage have ownership? Does a cosigner on a mortgage have to live in the house?

• This discussion was modified 4 months, 2 weeks ago by  Sapna Sharma.

If I have been cancelled out of a chapter 13 bankruptcy, when can I qualify for an FHA loan? How long after Chapter 13 dismissed can I get an FHA mortgage? What happens if I cancel my Chapter 13? How long after bankruptcy can I qualify for an FHA loan? How soon can you get a mortgage after Chapter 13 discharge?

If I have a warranty deed in lieu of foreclosure on a timeshare, will I be able to get a mortgage loan? Is a timeshare foreclosure the same as a foreclosure? Can I get a mortgage with a timeshare foreclosure? What is one disadvantage of a deed in lieu foreclosure?

Does a deed in lieu of foreclosure affect credit? What benefit would an owner get from a deed in lieu of foreclosure? What might prevent an Arizona lender from accepting a borrower’s deed in lieu of foreclosure? What is a major disadvantage to lenders of accepting a deed in lieu of foreclosure? Why do lenders prefer a deed in lieu of foreclosure to a foreclosure?

• This discussion was modified 4 months, 2 weeks ago by  Sapna Sharma.

If a homeowner has two mortgage loans on their home, for a short sale to occur, do both lender need to approve the price?

We are going through the mortgage process, we are waiting for the appraisal at the moment. However we just received notification that an unpaid medical bill for $149 just hit the coborrowers credit report. Could this derail our loan process and cause our loan to be declined?

IS THERE A DIFFERENCE BETWEEN FANNIE MAE AND FREDDIE MAC? What is the main difference between Fannie Mae and Freddie Mac? Are Fannie Mae and Freddie Mac guidelines the same? How do I know if my loan is Fannie Mae or Freddie Mac? Who qualifies for Fannie Mae and Freddie Mac? Are Fannie Mae and Freddie Mac guidelines the same? What is the main difference between Fannie Mae and Freddie Mac? What is a loan that doesn t comply with Fannie Mae or Freddie Mac’s underwriting guidelines called? What are Fannie Mae underwriting guidelines?

Is 120 Day Late On Mortgage Payments Considered Foreclosure? How many late mortgage payments before foreclosure? What are the exceptions to the 120-day foreclosure rule? What does 120 days delinquent mean? What is the 120-day default period for mortgage? How far can you get behind on mortgage payments? How long can you go without paying your mortgage? What happens if you are 3 months behind on your mortgage? Can a bank foreclose if you make partial payments?

What is the correlation between house prices and interest rates. Is the time right to refinance when rates are high, inflation is high, and home prices are at all time high? Is It Good Interest Rates Are Rising? Is it a good idea to refinance at a higher interest rate? Is it a good idea to refinance a house right now? At what point does it make sense to refinance? Is it a good time to buy a house when inflation is high? What is the relationship between interest rates and home prices? Is it better to buy a house when interest rates are high? What is the interest rate forecast for the next 5 years? What’s a good mortgage interest rate?

• This discussion was modified 4 months, 2 weeks ago by  Peter.

How much reserves do you need on a home purchase? What is the maximum debt-to-income ratio you can have for a home purchase? Also, regarding student loans do you go by IBR income based repayment plans and what’s on the credit report payment reported monthly. Was the maximum loan amount you can have on a home purchase? How much money should you have saved before buying house? Is $5,000 enough to buy a house? How much income do you need to buy a $200 000 house?

Is 50K enough to buy a house? How much money should you have saved before buying house? How much should I spend on my first house? Is $5,000 enough to buy a house? How much should I invest in my first house?

How much money should you have after closing on a house? How much should I have saved to put down on a house? What happens if you don t have enough money for a down payment? How much money should you have leftover after a down payment? How much money should i have saved if I am not planning on any money down and lender or seller credit for all of closing costs?

• This discussion was modified 4 months, 2 weeks ago by  Peter.

How does an underwriter calculate rental income? How is rental income calculated for debt-to-income ratio? Do leases count towards debt-to-income ratio? Do mortgage lenders consider future income? Do banks consider rental income for a mortgage? Can I use future Airbnb income to qualify for mortgage? What is projected rental income? Can I use future income to qualify for a loan? Can you use future rental income to qualify for FHA? How to calculate rental income? Does FHA allow future income? Can future rental income be used to qualify for a mortgage? How do underwriters verify rental income? Can income from a rental property be used as qualifying income? What is included in debt-to-income ratio for mortgage? What is the maximum DTI for investment property? What is the formula for debt ratio in real estate? How do mortgage underwriters calculate on future rental income as qualified income on debt to income ratios calculations?

• This discussion was modified 4 months, 2 weeks ago by  Gustan Cho.

I am considering taking out a VA loan, but I need to know how to go about this. I understand that I have to meet certain requirements to qualify, but I’m not sure what they all are, especially when it comes to getting the VA Certificate of Eligibility (COE). Would someone be kind enough to explain it to me and take me through all the procedures for obtaining the COE?

How can a bankrupt person establish credit with a 400 FICO SCORE?