Loan Officer Gustan Cho
Loan OfficerForum Replies Created
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Good morning Peter. Yes, any dogs under a year old is high energy and their mission in life is getting attention and love from their owners and they want to play. Regardless, what’s a four legged buddy who loves you during your time of moving in to a brand new house. Memories. Precious memories. For me, I had 11 dogs when I got Chase and Chase had worms and parasite where I had to separate Chase from other dogs when he had to go potty. I got a fenced yard but I had to take him three to five times a day out on the side yard alone even during the harsh winter. It took five or more months to get his parasite eliminated. Monthly tool tests, and boy was it a pain in the ass. Many times I took him out and brought him in the house and he shit five minutes after I brought him in. During that time I too regreted getting him with so many dogs but you get used to it and if I think about it now, my big guy Chase makes me happy and makes me laugh every single day. I would not trade what I did getting him for anything in the world. Chase and I developed a great communication program with eye contact and little body motions. He brings me his red ball when he wants to go out on the side yard and looks at me where I can see the bottom whites of his eye. If I ignore him, he will drop the ball in front of me, looks at me while the dog rolls in front of me, and just stares at me and the ball. He repeats the process three to four times and he knows he got me. How can I say NO to this. No matter how busy I am, I then head towards the garage side door and he knows he got me. He grabs his red ball (size of a softball full of bite holes from his teeth) and heads to the side door ahead of me. However, every three feet he turns around to make sure I am still heading to the door. He broncos like a pony because he is so happy with the ball in his mouth and awaits for me to get by the door. I open the door and he heads out so proud. He’s by me or with me all day, and whereever I go, he comes along. There are so many stories I can tell about Chase and I that is will make you laugh. You got Bullet at the right age. Spend tons of time with him. Take him whereever you drive to. I got a remote auto start for my truck so when I go to the grocery story, I can have the air conditioning running for him. i normally take Chase and two little dogs with me whenever I run errands. I do not want to take too many dogs with me because of security reasons where a thief may see what a cute little puppy, why don’t I take one for the family. That would suck. Anyways, enjoy the rest of your weekend and lets chat tomorrow or Tuesday. I got a busy morning tomorrow morning with a few new hirees so afternoon will be better or anytime you are available. No worries about me, Peter. Just do whatever you need to do and lets get to chatting on a regular basis. Post pics of your new home and bullet.
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This reply was modified 1 year, 9 months ago by Gustan Cho.
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This reply was modified 1 year, 9 months ago by
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What do you think about this C3 1969 Chevrolet Corvette Convertible with side pipes, big block.
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July has been a very hectic month for you and Doreen, Peter. A lot has happened especially with the mortgage process and bumps towards closing. Moving is a huge deal. All the years worth of furniture, belongings, moving to a new area and a brand new home. To top it off, you adopted Bullet, a five month old Doberman Pinscher. Five month old puppies are a handful. They have so much energy that it can and will drain anyone out. I got Chase when he was seven months old and boy was he a handful. They will make you laugh though. Take a lot of pictures and videos because it is once in a lifetime moments. I still look back at pictures and video clips of my late dogs who passed. Anyway, lots of great lifechanging events happened to the Arcuri Family. Talk to you soon, my friend.
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Bari Beef, in Elgin, Illinois, is a restaurant that serves Italian beef sandwiches that are popular in Chicago and the surrounding areas. Italian beef sandwiches comprise thin slices of roast beef served on an Italian roll and often topped with hot giardiniera or sweet peppers.
What sets Bari Beef’s Italian beef apart from others? I cannot provide exact information on how they prepare or make their sandwich unique compared to any other place because I am still determining it. However, there can be differentiating factors among these establishments, such as types of spices used for seasoning meats and cooking methods applied during preparation stages, like grilling over open fire pits versus baking them slowly inside ovens till tender enough, etc. Still, since there are no confirmed facts regarding what exactly bari does differently than elsewhere, I won’t be able to answer this question precisely.
When was Bari Beef created, and who currently owns it in Elgin? I don’t know the real dates when this establishment came into being, nor am I aware of its present proprietors’ identities. This kind of local business-specific knowledge may change over time without wide coverage.
Has anyone written any reviews lately for Bari Beef? Unfortunately, there is no way to access the restaurant’s current review data. On different occasions over varying durations, people give restaurants mixed bad, bad best, and ratings; hence, I would need more time to accurately respond to whether most reviews were positive, negative, or average.
For more up-to-date information about Bari Beef, try checking local directories listing businesses within your area. If available, look through their official site – if they have one- to get recent info, including prices offered, etcetera. Another option involves reading the latest posts made by customers on well-known online platforms where individuals post feedback after having visited various eateries within cities nationwide. Alternatively, consider asking around residents living near Elgin town center since some may be conversant with current news concerning reputations enjoyed by different diners in that region.
https://restaurantguru.com/Bari-Foods-South-Elgin
restaurantguru.com
Bari Foods in South Elgin - Restaurant menu and reviews
I recommend you to visit the restaurant Bari Foods. Find more about this place with Restaurant Guru App.
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For the better, I hope. Peter, hope everything is going well with you, Doreen, and your family on your move to your brand new home. Waiting for you to post tons of pictures of Bullet and your new home. Let’s connect soon, my friend.
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Another funny prank call video clip
https://www.facebook.com/share/v/dWb1WMYqTA4mhsUB/?mibextid=D5vuiz
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Hilarious funny prank call video clip
https://www.facebook.com/share/r/4GsWqJogH1eBPcHD/?mibextid=D5vuiz
facebook.com
Quaker Twitter Review gone Wrong #prank 😂😂
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Here’s a cute video clip of 18 month old Chase. Chase loves ❤️ 😍 💖 ❣️ 😍💕 💘 his red ball.
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Sure. The rule of net tangible benefit (NTB) is one of the important guidelines of HUD, the parent of FHA, for streamlining refinance loans. It was formulated to ensure that a borrower gets real benefits from refinancing their existing FHA-insured loan. Let us examine this further:
Objective Of Net Tangible Benefit Rule:
- Safeguarding borrowers against unnecessary refinancing.
- Preventing predatory lending practices.
- Ensuring there are clear financial gains for the borrower.
Key Requirements: Combined Rate Reduction:
- The new combined rate (interest rate plus annual MIP rate) should be 0.5% lower than the combined rate on the current mortgage.
- For instance, if your present interest is 4% with an annual MIP of 0.85% (totaling 4.85%), then your new interest should be at most 4.35% (3.5% + 0.85%).
Term Reduction:
- Whereby, if a shorter term is chosen for a new mortgage, its combined rate must stay within the existing mortgage’s by more than two percentage points.
Total Mortgage Payment Reduction:
- The new total mortgage payment, comprising principal, interest, and MIP, ought to be at least 5% less than the previous one.
Additional Considerations:
Seasoning Requirements:
- At least six monthly payments must have been made on the borrower’s current FHA-insured loan.
- At least six full months should pass between the first payment date due under the mortgage and the closing date of the original one being replaced.
- A minimum of two hundred ten days must have elapsed since the initial closure date for the mortgage being refinanced through a streamlined refinance transaction.
Payment History:
- All monthly installments for any twelve-month period prior to case number assignment need to be paid within the month they are due.
- One late payment not exceeding thirty days during the last twelve months.
Maximum Mortgage Amount:
- The maximum mortgage amount is limited to the outstanding principal balance of the original loan being replaced and sixty days’ interest together with UFMIP.
Documentation:
- Lenders are required to document and keep evidence of net tangible benefit (NTB) to borrowers.
- Normally, this includes comparing terms between existing mortgages and proposed new ones.
Exceptions: Refinancing an adjustable-rate mortgage (ARM) into a fixed-rate mortgage is exempted from the 0.5% point reduction requirement but still should meet NTB in other ways.
Importance For Borrowers: Makes sure that refinancing is truly beneficial not only for generating fees by lenders
Enables borrowers to avoid moving into even worse financial positions through refinances.
Sets clear yardstick against which possible advantages of refinancing can be assessed
Lender Responsibilities:
Lenders must carefully evaluate and document NTB for every streamlined refinance and certify that their loan satisfies HUD’s FHA Streamline Refinance Loans requirements.
Failure may attract penalties or sanctions against them
Potential Benefits To Borrowers:
- Lowering monthly payments.
- Reducing interest rates charged on loans.
- Shortening loan durations.
- Moving from adjustable rate mortgages (ARMs) to fixed-rate ones.
It should be remembered that while the rule provides a standardized method for evaluating benefits, people should look at their financial situations and long-term plans before deciding whether or not to refinance their homes. This means minimum levels are required, but a refinance could still be unfavorable depending on individual circumstances.
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