[Gustan Cho]

A lot of people in the mortgage and real estate industry are not familiar with this concept. Thought you may benefit. Knowledge is king. Lol.

[Gustan Cho]

Lyly getting in trouble

Lyly: The Smartest Macaque in Vietnam – A Monkey Like No Other!

Deep in the heart of Vietnam, a remarkable macaque named Lyly has captured the hearts of locals and online viewers alike. Unlike most monkeys, Lyly isn’t just playful and mischievous—she’s incredibly intelligent, self-sufficient, and behaves almost like a human child!

From opening doors and using utensils to solving puzzles and even expressing emotions like a little kid, Lyly is no ordinary monkey. She’s living proof that primates can be as smart, independent, and loving as human children.

Let’s dive into the amazing life of Lyly, her extraordinary abilities, and why she’s considered one of the smartest pet monkeys in the world!

🐵 Lyly’s Early Life – The Smartest Baby Monkey in Vietnam

Lyly was just a tiny, wide-eyed baby macaque when she was rescued in Vietnam by a kind-hearted family. Weak and fragile, she needed constant care, warmth, and love—just like a newborn baby.

Her owner, a devoted primate lover, treated her not just as a pet, but as family.

💖 From the start, Lyly showed signs of exceptional intelligence. Unlike other baby monkeys, she quickly adapted to human life:
✅ She learned to drink milk from a bottle.
✅ She mimicked her owner’s actions.
✅ She even started understanding simple commands!

Little did they know, Lyly wasn’t just any macaque—she was special.

🧠 Lyly’s Genius Abilities – A Monkey Who Thinks Like a Human!

As Lyly grew up, her mind developed at an astonishing rate. She picked up skills faster than anyone expected!

1. Lyly Can Eat Like a Human 🍽️

Unlike most monkeys, who use their hands to grab food, Lyly actually uses utensils like spoons and forks!

🥄 She scoops up rice and noodles with ease.
🍌 She peels bananas carefully—no wasting food!
🫖 She even drinks tea and water from a cup without spilling!

Her owner often jokes, “She eats better than some human kids!” 😂

2. Lyly Can Dress Herself & Loves Fashion 👗🐒

Lyly adores clothes and enjoys dressing up! Whether it’s a cute little dress, a comfy t-shirt, or even sunglasses, she picks outfits that match her mood.

👗 Sometimes she refuses to wear certain clothes, just like a picky toddler!
🕶 She loves wearing sunglasses and posing for pictures.
🎀 Her favorite color? Pink!

She’s not just a smart monkey—she’s a little fashion icon! 😍

3. Lyly Understands Household Tasks 🏠

One of the most shocking things about Lyly is how she helps around the house!

✔️ She opens doors and cabinets carefully.
✔️ She throws trash in the bin (sometimes even better than humans!).
✔️ She folds small clothes and puts them in the right place.

💡 She even knows where certain things belong in the house!

🎭 Lyly’s Emotional Intelligence – She Feels Just Like Us!

It’s not just her intelligence that makes Lyly special—it’s her deep emotions and strong bond with her human family.

1. Lyly Shows Love & Affection 💕

Unlike other monkeys, Lyly loves hugs and cuddles.

🐵 She gently holds her owner’s hand when she’s feeling safe.
🐵 She gives kisses when she’s happy.
🐵 She snuggles up at night like a baby.

Her ability to express emotions like happiness, sadness, and jealousy proves just how close she is to her human family.

2. Lyly Has a Sense of Humor 😂

She loves playing pranks and teasing her owner!

🐵 She hides things like a little trickster.
🐵 She makes funny faces when she wants attention.
🐵 She even imitates human expressions—making everyone laugh!

Her playful, sassy personality makes her one of the funniest and most lovable monkeys ever!

📹 Lyly’s Viral Videos – A YouTube Sensation! 🎥

Lyly’s intelligence and charm haven’t gone unnoticed! Her videos have gone viral, with millions of views on social media.

Popular videos include:
🎥 Lyly Eating Breakfast Like a Human – Over 5 million views!
🎥 Lyly Playing with Her Puppy Best Friend – A heart-melting moment!
🎥 Lyly Pouting When She’s Mad – The cutest tantrum ever!

WATCH LYLY IN ACTION! 🐵👇
🔗 [https://youtube.com/shorts/X1szIggUuXU?si=0Lcrfg0Jfwc2Fg6H]

Fans from around the world adore her unique personality and incredible intelligence.

🐵 Should You Get a Pet Monkey Like Lyly?

After seeing how smart, loving, and funny Lyly is, many people want a pet monkey of their own. But is it a good idea? 🤔

✅ Pros of Owning a Pet Macaque:

✔️ They are highly intelligent and trainable.
✔️ They form deep emotional bonds with their owners.
✔️ They provide endless entertainment and companionship.

❌ Cons of Owning a Pet Macaque:

❌ They require A LOT of care, time, and patience.
❌ They can become aggressive if not raised properly.
❌ Laws on monkey ownership vary by country & state.

💡 If you’re considering a pet monkey, do your research first!

🐵 Final Thoughts – Lyly, the Smartest Monkey in Vietnam!

Lyly isn’t just a pet—she’s family. Her human-like intelligence, playful nature, and deep emotions make her one of the most extraordinary monkeys in the world.

📢 What do you think about Lyly? Would you ever own a pet monkey? Let us know in the comments! 👇

📌 Don’t forget to SHARE Lyly’s amazing story with your friends! 🐵✨

• This reply was modified 1 day, 17 hours ago by  Gustan Cho.

[Gustan Cho]

Another cute little baby monkey 🐒. Has a big belly 😍 💙 😋 ❤️ 💕

🐵 Adorable Baby Macaque Chattering His Teeth – Trying to Talk Like a Human! 😍

Infanthood is always a blissful experience and so is watching a monkey. Monkeys have this interesting and very cute behavior which sometimes completely melts our hearts. 💕

Not too long ago, a baby macaque was filmed chattering his teeth as if he were attempting to communicate with his human owner. 🗣️ The little monkey has a pair of curious eyes, and his playful energy combined with the clicking of his tiny teeth makes this one of the cutest things to witness. 😍

🐵 Why Do Baby Macaques Chatter Their Teeth?

If you have come across baby macaques, you must be familiar with the fact that they sometimes chatter their teeth. At this point, you must be left pondering: Why is this baby macaque chattering his teeth? Trying to talk? Is he cold? Maybe a bit too nervous? 🤔 Here’s what this behavior means:

✔️ Love & Fondness: Chattering of teeth is very common among macaques when they feel happy or even excited.

✔️ Playful Communication: Similarly to how human infants babble, baby monkeys chatter their teeth as a form of non-verbal communication.🎶

✔️ Bonding With Humans: This cute monkey appears to be trying to join speech. It looks as if he’s trying to participate in a conversation! 🗣️🐒

💡 FUN FACT: Macaques in the wild use chattering teeth as a sign of friendliness in a non-threatening manner. So if your pet monkey does this, it means they like you! 🥰

📹 Watch the Cutest Baby Macaque Ever! 🎥🐵

If this tiny baby monkey trying to ‘talk’ doesn’t put a smile on your face, I don’t know what will! 😆He is brimming with excitement as he has a chat with his owner. 🐒💬

👉 WATCH HERE: 🔗 [Insert Link to Video]

What do you think he’s trying to say? Leave your guesses in the comments, and let’s see who gets it right!

📌 Please do not forget to SHARE this heartwarming moment with other animal lover friends. 🐵❤️

Do you want me to write an option for the social media captions & hashtags for this post? Let me know! 🚀🐵💖

https://youtube.com/shorts/A9QHkDV2eGI?si=KYm2v4phCWdT4qoC

• This reply was modified 1 day, 20 hours ago by  Gustan Cho.
• This reply was modified 1 day, 17 hours ago by  Gustan Cho.

[Gustan Cho]

The lower the 10 year treasuries it drop rates.

[Gustan Cho]

Ten year treasuries at 4.20%. We go under 4.0%, mortgage rates on FHA loans should be under 4.0%.

[Gustan Cho]

GCA Forums News Headline Today – Your Day In A Minute For February 28, 2025

Captivating, Interesting, and Effective Real Estate & Mortgage News

• GCA Forums News Headline Today continues to track and gauge how members interact with the program.
• A survey and focus group conducted among GCA Forums News members provided a highly effective combination of engaging event topics that appeal to a wide spectrum of people, from real estate investors to mortgage professionals and business connoisseurs.

To meet the pulse of the request, today’s news report for February 28, 2025, will provide the following:

• Weekly Trends for the Housing Market and Interest Rates.
• Important Indicators, Current Trends, and Economic Vision of the Housing Market.
• Impact of Inflation and Federal Reserve Policies On Housing.
• State of the Economy and Employment Indicators.
• Government Intervention Policies and Housing Rules.
• Tips for Real Estate Investment and Wealth Creation.
• Important Events in Business and Finance.
• Housing Market Problems, Foreclosures, Distressed Properties.
• Real Estate News and Popular Stories About Properties.
• Highlights from Forums and Questions from the Audience.

GCA Forums Daily Headline News continues to serve homebuyers, investors, and mortgage professionals by narrowing in on highlighted topics.

The Latest on Mortgages That Interest You Most (The Core Part)

• The markets stand still while anticipating the Fed’s decision, making the mortgage rate unchanged.

February 28, 2025 – Overview of the Mortgage Rate –

• 30-Year Fixed Mortgage: 6.79% (No changes since yesterday).
• 15-Year Fixed Mortgage: 5.94% (Increased by 0.02%).
• The rate for an FHA Loan is 6.45% (Unchanged).
• VA Loan Rate: 6.35%.

Rates for DSCR and Non-QM Loans:

• Interest rates are changing slightly because of a surge in demand.

What Is Causing These Rates Today?

• Federal Reserve Policy Uncertainty – No immediate cuts are foreseen before Q2 2025.
• It’s A Strong Economy – The job market report indicates a steady increase in employment.

Caution Among Investors

• Amid existing concerns about inflation, Mortgage-backed securities are volatile.

What Does This Imply About You

• Homebuyers: The fence sitters contemplating buying should be advised to lock in the rates.
• Refinancers: Those using the existing mortgage loan to save on interest should expect a rate decline later in 2025.
• Investors: The DSCR loan can maximize rental cash flow and should be considered.

Rest Indicators for Market & News For Housing (For Sellers & Buyers)

• Mixed trends have been observed in the price of housing throughout the various regions of America.
• The rest of Miami, Phoenix, and Charlotte experienced increased prices due to low inventory.
• The rest, Austin, San Francisco, and Denver, are building up inventory, leading to a price decline.
• National Housing Supply: +2.3% YoY, helping ease affordability worries.

Key Takeaway: As a buyer, look to newer markets where prices stabilize. If you’re selling, it’s still a good time to list in competitive markets.

Inflation & Federal Reporting (Important for Mortgages and Home Affordability)

• Fed Signals No Rate Cuts – What This Means For Housing.
• The most recent statements from the Federal Reserve show that rate cuts will be postponed because of stubborn inflation.
• CPI Report: Inflation exceeds three percent, slowing the expected Fed rate cut.
• PCE Index: The Fed’s favorite inflation metric shows slight cooling but is insufficient for immediate action.

Economic Reporting & Employment Patterns (Homebuyers and Entrepreneurs)

Wages Are Up, But Are Homebuyers Keeping Up?

• Wage Growth: +4.1% YoY
• Growth of Home Prices: +6.2% YoY
• Rate of Unemployment: Held steady at 3.8%

Key Insight: Home price increases continue to significantly exceed wage increases, and this trend is expected to continue, making it difficult for buyers in 2025.

Policies of the Government And Their Impact on Housing (Highly Important For Realtors And Loan Borrowers )

Qualified Buyers Up-Step: We Have Increased The FHA Loan Limits!

• New FHA Loan Limit: Set Standard: $524,225. High-Cost Areas: $1,209,750.
• Result: More homebuyers will likely qualify for FHA loans with lower down payments.
• Strategy Tips On Wealth Investment- Real Estate Related (For Entrepreneurs And Investors)

Cities Best Suited For Rental Property Investments In 2025

• Orlando, FL – Great economy for tourism. Booming rental market.
• Indianapolis, IN – Rental prices are high, and the properties are affordable.
• Nashville, TN – Renting Airbnb and overall business growth.

Short-Term Rentals (Airbnb) Are Beneficial For Investors But Get Regulated By Cities.

News on Business And Finance (All Entrepreneurs, Investors Look Here)

• What Does The Industry Anticipate After The Bankruptcy Of A Large Non-Bank Mortgage Lender
• Signals Major Change.
• The bankruptcy of high delinquency and poor liquidity has led to the stuck lender of mortgages, who is losing cash severely in a bid to hold off defaulting on mortgages.

What to Expect?

• The credit squeeze is already bringing new restrictions on mortgage lending.
• Losers smaller in size will get decreased market share and fewer players, increasing the chances of bid capturing.
• With credit likely to tighten, borrowers must prepare to take advantage of the favorable terms sooner rather than later.

The Housing Crisis Remains a Hot Topic for Investors and Buyers Note Foreclosures, Distressed Properties, and Real Estate Issues.

• Mortgage delinquencies are rising, and so are foreclosures.

Most Impacted States:

• New Jersey
• Illinois
• Nevada
• There is a +12% year-on-year change in the rate of Foreclosures.
• Alert: Investors and buyers take note of the possible gains from short sales and REO properties.

Daily Emerging and Viral News Stories on Emerging Real Estate Topics.

For Would You Buy This House That Has a 500,000 Dollar Bunker?

This Utah house with a fully stocked underground bunker has given real estate agents in Utah something to talk about after going viral.

It Includes:

• 5 years’ worth of food stored in deoxygenated cans.
• Reinforced escape tunnels.
• Steel walls

A question for you worldwide: would you consider a doomsday-proof house? Leave a comment. We want to know!

Highlights of Expert Q&As and GCA Forums News Discussion

Headline Questions About The Mortgage And Housing From GCA Forums News Today

• “What direction are we waiting for?”
• “Are FHA loans good value in 2025?”
• “When will the housing market stabilize?”

GCA Forums News has the answers. Become part of the community and discuss with professionals today!

Daily Resource on Real Estate & Mortgages: Final Takeaways

Stay Ahead Stay Up To Date.

• Become a member of GCA Forums and get the latest real estate and mortgage updates from the professionals!
• What do you think of today’s news? Let us know in the comments!

Get daily market news and analysis by following GCA Forums Daily News and GCA Forums News Weekend Edition!

[Gustan Cho]

Another extremely super duper extremely cute 😍 💕 💖 ❤️ 💓 💗 😍 little baby monkey 🐒 🙈 🙊 😘 ❤️ 💕 🐒

https://youtube.com/shorts/a5iGAadgPIY?si=4Ye2aN0J0lHc7x6- monkey

[Gustan Cho]

Elon Musk Department of Government Efficiency nails 💅 another fraudster. Guess who? None other than Barack Hussein Obama. Look at his wasteful spending on the taxpayers dime. $2.5 million into waste which could have been allocated to a better cause

than wasted irresponsibly on something that has no benefits other than Barack Hussein Obama. You can’t make this shit up.

[Gustan Cho]

GCA Forums Daily Headline News – Thursday, February 27, 2025

Hello, my friends! I hope GCA Forums Daily Headline News finds you well, as always!

This is where the mortgage market meets real estate, and the Federal Reserve meets the economy. We aim to provide insights on policy changes, prospective shifts, and investment opportunities with an economic overview that is relevant to homebuyers, real estate investors, mortgage professionals, and any other industry aficionados keen to know what’s going on in this competitive marketplace.

Moving on to the headlines:

Updates on the interest rates and GCA Forums Mortgage Markets

• Despite inflation worries, mortgage rates increase slightly.
• Financial markets are again concerned about inflation, so average 30-year fixed mortgage rates have increased this week.
• The current rate is 6.85%, an increase of 0.10% from last week.

Considerable Increases In Rates Are The Consequences of:

✅ No rate cuts for Q1 2025 from the Federal Reserve. – The Fed is still overly cautious.

✅ Lenders Are Tightening – Certain Mortgage guidelines are put in place by lenders to mitigate the chances of a loss.

✅ For goes Inflation – CPI report for January noted an increase of 3.4% compared to last year.

For Existing Homeowners and Homebuyers, this means:

• Several homeowners and buyers alike may look to take rates and put them on lock before any additional climbs.

Refinancing Late Loans? Homeowners Should Consider Modern Options

• When is the right time for rates to fall?
• Experts currently predict mortgage rates will likely ease in 2025.
• However, volatility remains a short-term issue.

CASE SHILLER HPI DATA FOR AUGUST 2023-PREDICTIONS AND HYPOTHESIS

• A record number of homeowners reported an increase in the prices of their homes in the targeted areas despite high inflation.

Although the inflation rate is alarming and analysts predicted stabilization of housing prices in 2025, a new report released by Case Shiller reinforces the theory that price growth is persistent within popular regions, which include:

• Miami, FL: Home Price Appreciation is 7.2% YoY
• Phoenix, AZ: Prices surging by 6.1%

Manhattan’s luxury market continues to exhibit large-scale growth with persistent sales records. Escalating demand from millennials, coupled with a severe shortage of homes, continues to exacerbate the situation.

What’s NEX? New Seattle listings offer hope for Affordability.

Drudging high inflation coupled with low interest rates led the Federal Reserve to incorrectly guess a price cooldown, resulting in no alteration of monetary policy until mid-2025.

Noteworthy Highlights

• Anticipated interest cut within the Fed’s rate policy, not before June 2025.
• Labor market uncertainty complicates the Fed’s position.
• Inflation has been on the decline yet remains higher than 2%.

How does this impact real estate?

• Elevated mortgage rates are likely to persist for a longer duration.
• Sellers are less likely to list their properties during high-cost borrowing periods.
• Real estate investors need to be more prudent with aggressive leveraged purchases.
• The Current Economic And Employment Conditions
• The State of Housing Affordability Crisis
• Overall Wage Growth Doesn’t Help Much

Most sectors of the economy are witnessing a rise in wages, yet housing affordability continues to worsen.

January Employment Report

• Employment Cost Index up 4.2% YoY
• Home Price Index up 6.1% YoY
• Mortgage interest on most loans is currently just short of 7%, which is not affordable for most buyers.

Key Insight

New entrants to the housing market will continue to face challenges as home prices increase far faster than their paychecks. This will lead to greater demand for government-subsidized loans in 2025.

Government Policy and Housing RegulationsNew FHA Loan Limit Increases Take Effect in March 2025

The Federal Housing Administration has modified the limits of their loans by the increasing prices of homes in America:

• Standard loan limit: $498,750 (+5.8% from 2024)
• High-cost areas: $1,089,300 (e.g., CA, NY, CO markets)
• This translates into more homebuyers being qualified for FHA loans, meaning they can make smaller downpayments.

Real Estate Investment & Wealth-Building TipsBest Cities for Real Estate Investment in 2025

Thinking of investing in real estate? These markets have the highest ROI for rental properties:

• Tampa, FL- Houses are in great demand for new tenants and job opportunities.
• Nashville, TN- Earning through short-term rentals is thriving.
• Indianapolis, IN- Prices are lower in comparison, along with a consistent appreciation level.
• Investors must pay attention to the regions that are gaining jobs quickly and increasing in demand for rent.

Breaking Business & Financial News

Major Mortgage Lender Files for Bankruptcy Amid Market Challenges

ABC Mortgage, a non-bank mortgage lender, is now on the list of mortgage lenders in trouble after filing for Chapter 11 bankruptcy.

Reasons being:

• Increased drama surrounding loan payments for new mortgages.
• A higher volume of loans is blocked due to harsh underwriting policies.
• Increased interest rates lead to higher liquidity issues.
• Fewer small mortgage lenders will survive, making the mortgage industry blend.

Housing Crises, Distressed Properties and Foreclosure

Here is a region of America where Foreclosure is an ongoing problem and has recently increased by 14% YoY. Foreclosure filling has historically increased by 14%.

States Leading in Foreclosure:

• Illinois – Currently leading the peak of U.S. foreclosure rate.
• New Jersey – There have been increased delinquencies over the past few months.
• Nevada – Many investors are not honoring their defaulted rate.

Attention all Investors: ROPE investment opportunities are now available for the taking.

• Hot Real Estate Trends Around The World
• Strange Listings: A House Featuring An Actual Jail?

A mansion for sale in Dallas, TX, became an internet sensation with potential buyers after a fully functioning jail cell was discovered inside!

• Retired sheriff turned prison
• Basement jail featuring four cells
• Listed for $495,000 – “prison included!”
• Would YOU consider living in a house with its jail? Share your thoughts below!

This week on GCA Forems, we tackled something new

• “Is it best to refinance my mortgage now, or wait?”
• “Do FHA loans become obsolete in 2025?”
• “Is a housing market crash imminent?”

Join the discussion on GCA Forums and get expert advice today!

• Follow GCA Forums for attention-grabbing news
• Join GCA Forums for daily mortgage & real estate bulletins.

What are your thoughts on the headlines for today? I’m eager to hear from you!

Follow GCA Forums News for unparalleled insight on mortgages and real estate.