Loan Officer Gustan Cho
Loan OfficerForum Replies Created
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Here are a few more pictures. Missy sits next to me in a baby carrier and Gunner thinks he’s a big boy next to Chase. Normally I take them to Culvers for pup cups whip cream and a plain Cheese Burger with extra meat 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔 🍔.
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Took Chase, Skylar, Missy, Gunner, and Pearl with me to pick up Chinese food at Lucky Chen, and Lakeside Grocery Store to pick up Roasted Chicken for Missy and three bottles of bleach. Here are some pictures 📸. Just took pictures of Chase and Skylar. Normally just Skylar goes with me but Chase snuck out and was not going back in the house. The other dogs all walked to go but I was in no mood to baby sit all these dogs and do head counts. Attached is the picture outside Lucky Chen Chinese Restaurant in Paddock Lake.
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Skylar. Out of three German Shepherds, Skylar chose me to be her best friend. Skylar always stays by me 24/7. She stays next to me when I am working, when I wake up in the morning, she follows me around my room and patiently waits for me to get dressed, she runs towards the garage service door 🚪 and is ready to walk out the door towards my truck 🚚 and assumes she will ride with me. The picture attached you will see she is in the truck. We went to get fuel, then grocery . Skylar sleeps 💤 by me next to my bed. Whenever other dogs go out potty or play she just stays by me so I need to take her out one on one. Whenever I need to leave without her, my wife tells me that she is panick struck and looks at every room of the house looking for me. She even looks out the windows to see if my truck is in the driveway or the driveway is missing my vehicle.
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Here is a slide show of Skylar, one of my female German Shepherd Dogs 🐕 and my favorite.
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Should People be allowed to stay on Section 8 forever?
Will there be major time limits to Section 8 Housing? Let’s discuss
BIG CHANGES Coming to Section 8? Could HUD Be Cutting Housing Assistance to Just 2 Years?!If you’re relying on Section 8 housing assistance, this potential HUD policy change could put your home at risk. Reports suggest that a 2-year time limit for Section 8 recipients could be on the table, and thousands of people might lose their vouchers if this goes into effect.
In this video, we’ll break down:
🔴 What this new rule could mean for current Section 8 tenants
⚠️ Who is most at risk of losing their housing assistance
💰 How this could impact your rent & housing security
✅ Steps you need to take NOW to prepare for possible changes‼️ Don’t wait until it’s too late—watch this video to find out what’s REALLY happening!
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The content provided in this video and on this channel is for informational and entertainment purposes only. The views, opinions, and strategies shared are based on personal insights and general financial knowledge. Please be aware that the information presented should not be considered as financidvice, recommendations, or endorsements.
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Let’s discuss the 2025 housing market, why buyers are gaining the upper hand, and where prices are falling – Thanks for watching! Add me on Instagram: GPStephan
If you’re interested in building a California / West Coast ADU or Guest House – Get $1000 Off Your Project Here: https://realmhome.com/…GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.c…THE FROZEN HOUSING MARKET (2020–2023)
Inventory and sales hit historic lows due to near-zero mortgage rates.30-year fixed loans dropped below 3%, some as low as 2.6%.Demand surged, pushing home prices to record highs.As rates rose past 7% in 2023 (highest since pre-2008), buyer affordability plummeted.Despite falling demand, prices stayed high due to sellers clinging to low-rate mortgages (“golden handcuffs”).THE HOUSING STANDOFF (2024)Buyers waited for a correction, sellers refused to list.Result: prices stayed flat or even rose in supply-constrained areas.Inventory increased significantly in some metros (e.g., Tampa, North Port).Others, like NYC, Chicago, and Cleveland, still saw price growth (6–8%).THE HOUSING STAGNATION (2025)Price growth slowed to just 3–4% annually.Spring 2025 marked the 11th straight month of slowing gains.March price growth neared 0%—a sign that buyers may regain leverage.Mortgage Rates: Hovering at ~7%, doubling monthly payments vs. 2020.Demand: Pending sales down 1.7% YoY; cancellations rising to 14%.Inventory: Listings up nearly 30% YoY—over 1M homes now for sale.Why Inventory Is Rising: Life events force moves despite low rates.Homeowners sitting on large equity cushions.Fears of declining prices prompt preemptive selling.Investors shifting capital elsewhere.Current Market Conditions:Homes now sit ~50 days on market (vs. 33 in 2021).Only 28% of homes sell above list (was 50%+ in 2021).31 of the top 50 metros are now buyer’s markets.Most extreme example: Miami — 3 sellers for every 1 buyer.THE CONDO COLLAPSECondos now have 83% more listings than offers.Condo prices up only 0.4% YoY vs. 1.5% for single-family homes.Key issues: rising HOA fees, insurance costs, and investor sell-offs.Why Condos Underperform:HOA fees up 32% (2005–2015), higher maintenance, and insurance costs.Prices drop faster during downturns.Stricter lending rules due to perceived risk.More usage restrictions and less flexibility vs. single-family homes.
THE HARDEST HIT MARKETS:
National median prices up only 1.9%—below inflation, meaning real decline.Biggest YoY drops: Oakland (-4.9%), Dallas (-4.5%), Jacksonville (-3%), Austin (-2.5%), Seattle (-1.5%), Denver (-1%).From 2022 peaks: Austin (-21%), Oakland (-19%), SF & New Orleans also down double digits.Median list price up only 0.2% YoY—sellers are no longer pushing prices.Home Builders’ Strategy:Instead of lowering prices, builders “buy down” buyers’ mortgage rates.This keeps sale prices high while giving buyers lower monthly payments.Helps preserve property values without visible price cuts.MY THOUGHTS: If you’re in the market for a home, this might be the first time since 2020 where you can afford to be selective, you can chose to negotiate, or you could walk away to try to find a better deal – without worrying about the market marching higher.
For everyone else who’s simply watching home prices out of curiosity: honestly, you probably won’t feel much of an impact, and any headline drops in price seem to be moderate, at best (it’s not like national home prices will dip 10-20% anytime soon outside of a few localized markets). instead, we might see more of a flatlining of prices for the near future – or, some very modest gains – if anything.
That’s why – I think, if you NEED to buy a home, find one that fits your budget, on a fixed rate loan that you can afford, and only on something that you intend on keeping for at least 7-10 years – IF you can’t rent an identical home for significantly cheaper. -
President Donald Trump has signed a new series of executive orders focused on immigration policy, economic growth, and national security.
The White House says these measures aim to streamline enforcement, tighten border control, and boost American industries. Critics, however, are warning of legal challenges and civil liberties concerns.
Stay tuned for the latest analysis and political fallout.
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This reply was modified 9 months ago by
Sapna Sharma.
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This reply was modified 9 months ago by
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Trump & the FED Just Made a MASSIVE ANNOUNCEMENT for Millions of Americans.
Its Alex Carlucci of Gustan Cho Associates President Donald Trump and Fed President Jerome Powell’s Decision to cut interest rates as well as Trump’s new trade agreement with China and how tariffs will be affected.
New videos come out every day on It’s Alex Carlucci YouTube Channel at 6pm EST! We cover everything happening on a daily basis, the stock market, finance, business,
https://www.youtube.com/live/l5uy4xVnsMc?si=lZav_67Pik44Pw0g
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6 Reasons You Should Wait For 2026 Jeep Gladiator! If you’re thinking about buying a pickup soon, hold on—because the 2026 Jeep Gladiator is bringing serious heat. This isn’t just another model year refresh—it’s a complete rethink of what a rugged midsize truck should be. The Jeep Gladiator 2026 is expected to deliver bold styling updates, smarter tech, and jaw-dropping capability upgrades that will leave the 2025 version in the dust. Jeep fans are buzzing, and the industry is bracing for what could be the most exciting Gladiator ever made. Every detail feels like Gladiator 2026 was designed to crush the competition, from Ford to Toyota. With smarter engineering and serious off-road focus, the 2026 Gladiator is shaping up to be a beast. Why settle for “almost great” when something next-level is just around the corner? Find out why waiting for the 2026 Jeep Gladiator could be the smartest move you make all year.
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