My friend Greg Stadlin of Collier RV in Northern Illinois referred me to one of his clients, David. David did a complete renovation of his 37 feet RV which included two new slide outs. I spoke with David today and he said he spent $150,000 to renovate his RV with two new slide outs, interior and exterior. He will send me pictures of before and after of his RV. I can stop by the storage at Collier RV and take a look. I have a 2001 Tiffin Zephyr 42 ft. coach with only 52,000 miles I was thinking of trading in for a newer one but am afraid of losing value. RVs depreciate more than any other property or vehicles.

Have you gotten a Last Minute Mortgage Denial at your current lender? You are not alone. Over 80% of our clients at Gustan Cho Associates are borrowers who got denied at other lenders. Borrowers got denied at other lenders because the loan officer did not properly qualify the borrower or because of the mortgage company having Lender overlays. Lender overlays are additional mortgage guidelines above and beyond the minimum agency guidelines of FHA, VA. USDA, FANNIE MAE or FREDDIE MAC. The team at Gustan Cho Associates has a no lender overlay business platform on government and commercial loans. We can help borrowers with credit scores down to 500 FICO, non-qm loans, 12 months bank statement loans, DSCR loans, no-doc loans, ITIN loans, DACA LOANS, Condotel Financing, hard money commercial loans, commercial loans, SBA LOANS, Factoring, equipment financing, Business lines of credit, POS, Spec-Builder New Construction, Auto Financing, apartment building loans, land loans, church financing, accounts receivable financing, MCA financing, and land development loans. No need to worry if you got denied. The file is not dead. You can join us where we can help you qualify and get you approved for your commercial or business loan.

Here is a link to NEXA Academy for loan officers entering the mortgage loan origination business with no experience. It is held weekly. Contact Felix Nicolas, III at felix@gustancho.com for mortgage information.

https://www.google.com/url?q=https://us06web.zoom.us/j/89826931408&sa=D&source=calendar&ust=1694346718349602&usg=AOvVaw1SaYseZ2ekdT-IyEFkZRHd

Buying a house in Kansas, like anywhere else, involves several steps and considerations. Here’s a general overview of the process:

1. Determine Your Budget: The first step in buying a house in Kansas is to assess your financial situation and determine how much you can afford. Consider factors like your down payment, monthly mortgage payments, property taxes, insurance, and maintenance costs.

2. Get Pre-Approved for a Mortgage: Before you start house hunting, it’s a good idea to get pre-approved for a mortgage. This will give you a better idea of how much you can borrow and help you narrow down your search to homes within your budget.

3. Find a Real Estate Agent: Hiring a real estate agent can make the process smoother. They can help you find suitable properties, negotiate offers, and navigate the local housing market.

4. Search for Homes: Start looking for homes that meet your criteria. You can use online real estate websites, work with your real estate agent, and visit open houses to find potential properties.

5. Make an Offer: Once you’ve found a house you like, work with your real estate agent to make an offer. Your offer will include the purchase price, contingencies (such as inspections and financing), and a proposed closing date.

6. Negotiate and Inspect: After your offer is accepted, you’ll typically have the opportunity to negotiate any counteroffers. You’ll also want to schedule a home inspection to identify any potential issues with the property.

7. Secure Financing: If you haven’t already, finalize your mortgage financing. Work closely with your lender to complete all necessary paperwork and meet any conditions for loan approval.

8. Close the Deal: Once all contingencies are satisfied, you’ll proceed to the closing. At the closing, you’ll sign the final paperwork, including the mortgage documents, and pay any remaining closing costs and fees.

9. Transfer Ownership: After closing, the title to the property is transferred to your name, and you become the legal owner of the house.

10. Move In: Congratulations! You can now move into your new home. Don’t forget to set up utilities, change your address, and handle other logistics associated with moving.

It’s important to note that the process of buying a house can vary depending on individual circumstances and the local real estate market in Kansas. Additionally, you may want to consult with a real estate attorney to ensure all legal aspects of the transaction are handled correctly. Also, be aware of any specific state or local regulations and requirements that may apply in Kansas.

Buying a house in Kentucky, like anywhere else, involves a series of steps and considerations. Here is a general overview of the process:

1. Determine Your Budget: Before you start searching for a house, it’s essential to determine your budget. Consider factors like your income, expenses, and how much you can comfortably afford for a mortgage payment each month.

2. Get Pre-Approved for a Mortgage: Contact a lender or mortgage broker to get pre-approved for a mortgage loan. This will help you understand how much you can borrow and give you a competitive edge when making an offer on a house.

3. Choose a Real Estate Agent: Find a qualified real estate agent who is familiar with the Kentucky housing market. They can help you find suitable properties, negotiate on your behalf, and guide you through the process.

4. Start House Hunting: Begin your search for homes that fit your criteria, including location, size, and budget. You can use online listings, work with your real estate agent, and visit open houses to explore available options.

5. Make an Offer: When you find a house you like, work with your real estate agent to make an offer to the seller. Your offer will include the purchase price, any contingencies, and the proposed timeline for closing.

6. Negotiate the Deal: Be prepared for negotiations with the seller. They may counter your initial offer, and you can negotiate on terms such as repairs, closing costs, and other details.

7. Conduct Inspections: After your offer is accepted, schedule a home inspection to identify any potential issues with the property. Depending on the inspection results, you can negotiate repairs or request concessions from the seller.

8. Secure Financing: Finalize your mortgage application and work with your lender to ensure all required documentation is in order. The lender will also conduct an appraisal of the property to determine its value.

9. Review and Sign Documents: Prior to closing, you’ll review and sign various legal documents, including the purchase agreement, mortgage documents, and other paperwork required for the transaction.

10. Close the Deal: On the closing day, you’ll meet with the seller, your real estate agent, and a representative from the title company to sign the final paperwork and transfer ownership of the property. You’ll also pay any remaining closing costs and receive the keys to your new home.

11. Move In: Once the deal is closed, you can move into your new home and begin settling in.

Keep in mind that Kentucky’s real estate market may have its unique dynamics and regulations, so it’s essential to work closely with a local real estate professional who can provide specific guidance and information related to the state.

Additionally, consider factors such as property taxes, homeowners’ insurance, and ongoing maintenance costs when budgeting for homeownership in Kentucky.

Buying a house in North Carolina, like purchasing real estate in any other state, involves several important steps and considerations. Here’s a general overview of the process:

1. Determine Your Budget: Before you start looking for a house, you should establish a budget. Consider factors such as your income, expenses, and the down payment you can afford. You may want to get pre-approved for a mortgage to know how much you can borrow.

2. Research North Carolina Housing Market: Research the housing market in North Carolina to get an idea of property prices, trends, and neighborhoods that fit your preferences and needs. Consider factors like location, school districts, amenities, and commute times.

3. Find a Real Estate Agent: Consider hiring a local real estate agent who is familiar with the North Carolina market. They can help you find suitable properties, negotiate on your behalf, and navigate the homebuying process.

4. Mortgage Pre-Approval: Contact lenders or mortgage brokers to get pre-approved for a mortgage. Pre-approval will give you a better idea of your budget and can make your offer more appealing to sellers.

5. House Hunting: With the help of your real estate agent, start touring properties that meet your criteria. Take notes, ask questions, and consider the pros and cons of each property.

6. Make an Offer: Once you find a house you like, work with your real estate agent to make an offer. The offer should include the price you’re willing to pay, contingencies (such as home inspections), and a closing date.

7. Negotiate: Be prepared for negotiations with the seller. You may need to go back and forth on the price and terms until you reach an agreement both parties are comfortable with.

8. Home Inspection: After your offer is accepted, schedule a home inspection to identify any potential issues with the property. Depending on the results, you can negotiate further or proceed to the next step.

9. Secure Financing: Finalize your mortgage application and work with your lender to secure financing for the property.

10. Closing: Once all conditions are met, you’ll attend the closing, where you’ll sign the necessary documents and transfer ownership of the property. Be prepared to pay closing costs, which can include fees for title insurance, taxes, and more.

11. Move In: Congratulations! After closing, you’ll receive the keys to your new home. Don’t forget to set up utilities, change your address, and handle other logistical details.

Keep in mind that real estate processes and regulations may vary from state to state, and North Carolina may have its own specific requirements and considerations. It’s crucial to work with professionals who are knowledgeable about the local market and can guide you through the process. Additionally, consider seeking legal and financial advice to ensure a smooth and successful homebuying experience in North Carolina.

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

Whether Maine is a good place to live depends on your personal preferences and priorities. Maine offers several advantages, but it also has its drawbacks. Here are some factors to consider:

Pros of Living in Maine:

1. Natural Beauty: Maine is known for its stunning natural landscapes, including rugged coastlines, picturesque lakes, and dense forests. If you enjoy outdoor activities like hiking, camping, and fishing, Maine offers abundant opportunities.

2. Quality of Life: Maine often ranks highly in terms of quality of life metrics, including low crime rates, good healthcare, and a strong sense of community.

3. Four Seasons: Maine experiences all four seasons, which can be appealing if you enjoy a variety of weather conditions and outdoor activities associated with each season.

4. Education: Maine has some excellent schools and universities, making it a good place for families looking for educational opportunities.

5. Lobster and Seafood: Maine is famous for its seafood, particularly lobster. If you’re a seafood lover, you’ll find plenty of delicious options.

6. Low Population Density: Maine has a relatively low population density compared to many other states, which can mean less crowded living conditions and a slower pace of life.

Cons of Living in Maine:

1. Harsh Winters: Maine’s winters can be long and harsh, with heavy snowfall and cold temperatures. If you dislike cold weather, this may not be the place for you.

2. Economic Factors: Maine’s economy is diverse but has faced challenges in the past, including a relatively high cost of living in some areas and limited job opportunities in certain industries.

3. Rural Areas: While the natural beauty is a pro for many, it can also mean that some parts of Maine are quite rural and may lack access to urban amenities and services.

4. Tourism Impact: In some areas, particularly coastal communities, the local economy is heavily dependent on tourism, which can lead to seasonal fluctuations in job availability and increased living costs during tourist seasons.

5. Limited Diversity: Maine has a predominantly white population, which may not appeal to those seeking a more diverse cultural environment.

Ultimately, whether Maine is a good place to live depends on your lifestyle preferences and priorities. It’s a state with unique natural beauty and a strong sense of community, but it may not be the right fit for everyone, especially if you’re not fond of cold winters or prefer a more urban environment. It’s a good idea to visit and spend some time in the state to get a feel for what it’s like before making a decision to move there.

Regulators are tightening up on kickbacks

Freedom Mortgage got nailed for kickback RESPA violations. Not worth it

Breaking NEWS from CEO MIKE KORTAS over the announcement of NEXA MORTGAGE 100. Effective immediately, all NEXA Mortgage loan originators who recruit one full time independent Mortgage Loan Originator and that loan officer does one loan a month in one or all three wholesale lending mini-correspondent investors (EPM, MLB, and UWM) the loan officer will make 100% of the revenues. Let’s dive into the details of NEXA Mortgage’s commission structure. If you’re a self-producing Mortgage Loan Originator (MLO) looking for a change in brokerages, NEXA has some exciting possibilities for you:

1. Base Commission:

   • The first layer of NEXA Mortgage’s compensation plan is the Base Commission. You start by selecting a margin applied to your lender-paid compensation deals.
   • While you have the flexibility to choose different margins, it’s recommended to opt for 275 basis points, which grants you 220 basis points.
   • With this competitive rate, your commissions can significantly increase, especially when closing larger loan amounts.

2. Bonus Commission:

   • NEXA rewards hard work and dedication with the Bonus Commission.
   • Once you hit $3 million in funded volume per month, you’ll receive a 100% commission on everything beyond that threshold.
   • This bonus structure motivates MLOs to exceed their targets, and the potential for increased earnings is substantial. So, the sky’s the limit when it comes to achieving higher commissions!

3. Partnership Compensation Plan:

   • Taking their commitment to growth and recognition a step further, NEXA introduces the Partnership Compensation Plan.
   • When you’ve introduced 10 Originators producing at NEXA, you become eligible for this plan.
   • Instead of waiting to hit $3 million, you get a 100% commission starting at $2 million in production.
   • This incentive encourages MLOs to contribute to the company’s success by bringing in top-performing Originators.

4. Revenue Share Program:

   • Interested in building a business within a business? NEXA Mortgage offers an enticing Revenue Share Program.
   • By introducing other Originators to NEXA, you can earn a portion of their commissions, creating a powerful source of passive income.
   • As you develop your downline and help others succeed, your Revenue Share can grow significantly.

5. Daily Payouts:

   • Gone are the days of waiting for weeks to receive your commissions.
   • NEXA Mortgage pays you daily, treating you like a realtor and ensuring you get your hard-earned money promptly1.

Remember, always do thorough research and consider all aspects before making any decisions. If you’re interested in joining NEXA, reach out to them directly to explore the opportunities further!

https://gustancho.com/career-opportunities/

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

Like to wish Alex, the three-legged Chicago Beast, Carlucci a Happy Birthday. Wish you a happy birthday, buddy.

Team Amanda Witthauer is an up-and-coming star at GCA. I want to congratulate Amanda on moving from Washington to Tennessee and landing her new job as a commercial real estate agent in her new home state. She was on furlough for the past few months because she needed to relocate from Washington to Tennessee. She is ready to rock and roll, and I have the utmost faith and confidence in Amanda since day one. She has switched to become a commercial real estate agent at a prestigious, highly reputable company and was one of ten experienced agents to get hired. Very proud of her, and I would not be surprised if she becomes the top originator. Let’s all help Amanda get her the proper tools for her success: Sapna, here are the following tools needed for Amanda:

1. Landing page
2. Make the landing page with her very own Contact Us page, email, mortgage calculator branded Amanda Witthauer, Loan Limits, her apply now CTA links to her mortgage application and ordering credit, a category blog box with drop-down per month with all blogs she is an author in, link to GCA FORUMS, Resources Section.

Amanda, please work with Sapna on custom-designing your landing page. Sapna will need a detailed bio and image with original content, how you want it laid out, and verbiage, text, images, slogans, logo, etc. You can have a dba like The Amanda Witthauer Team or Amanda Witthauer Mortgage Group. We need the verbiage powered by Gustan Cho Associates-NEXA Mortgage, really small lettering for compliance reasons. If you need a two-sided business card with you on one side and me on the other, Marga can order for you if you want to be the LOA in states you are not licensed in, and I can be the LO.

Felix and Paulyn work with Amanda setting up her business Facebook page, LinkedIn, YouTube Channel, and other social media platforms.

Let’s get all the support required for Amanda and do it with style. Congratulations on your new position, Amanda, and I want to thank you for participating in the forum. You got the keys to success. Depend on where you want to take it to—the top, of course. Again, a very big congratulations to Amanda Witthauer on her move to Tennessee and becoming a commercial realtor and loan officer. The best of the best and we are all proud of Amanda.

https://gustancho.com/can-realtors-be-loan-officers/

gustancho.com

Can Realtors Be Loan Officers at the Same Time?

Can Realtors Be Loan Officers and make money on the same transaction? The dual realtor/MLO gets compensation as the realtor and loan officer.

Please make sure all LO’s have this

How to find active builders and spec builders.

one way is to go to realtor.com, choose a large city go to filters, click home, age no min, and less than 1 year. this should list the new construction homes. get the addresses. The agent usually doesn’t want you speaking with their client, however, call the agent anyway and let them know that you can help theri builder to build more homes, and sometimes they will introduce you. if not, then do a google search for parcel search using the city, or county, and state. Usually, they have a gis map, and you can use this to locate the owner and the owner’s address, where you can further search and get a cell phone. realtor.com is a great source to see who is building where and at what price.

realtor.com

HARD-MONEY-CONSTRUCTION.pdf 465 KB PDF - Click to view

Options

• Copy Download Link

How to find active builders and spec builders. One way is to go to realtor.com choose a large city go to filters, click home age no min, and less than 1 year. this should list the new construction homes. Get the addresses, the agent usually doesn’t want you speaking with their client. However call the agent anyway and let them know that you can help their builder to build more homes and sometimes they will introduce you. If not then do a google search for parcel search using the city, or county and state. Usually they have a gis map and you can use this to locate the owner and the address of the owner, where you can further search and get a cell phone. Realtor.com is a great source to see who is building where and at what price.

realtor.com

West Virginia is a state located in the Appalachian region of the eastern United States. It became a state on June 20, 1863, during the American Civil War, and it is the only state to have formed as a result of seceding from a Confederate state (Virginia) during that war.

Here are some key facts and information about West Virginia:

1. Capital and Largest City: Charleston is the capital of West Virginia, while its largest city is Huntington.

2. Geography: West Virginia is known for its beautiful mountainous terrain, earning it the nickname the “Mountain State.” The state is part of the Appalachian Mountains and is characterized by rolling hills, forests, and numerous rivers and streams. The highest point in West Virginia is Spruce Knob, which stands at 4,863 feet (1,482 meters) above sea level.

3. Economy: Historically, West Virginia’s economy has been closely tied to coal mining, and it has been a major coal-producing state for many years. However, the coal industry has faced challenges and declines in recent decades. The state’s economy has diversified to include other industries such as healthcare, manufacturing, tourism, and education.

4. Culture: West Virginia has a rich cultural heritage, with a strong tradition of Appalachian folk music, including bluegrass, country, and gospel. The state is also known for its traditional Appalachian arts and crafts, such as quilting and pottery. Festivals and events celebrating this cultural heritage are common throughout the state.

5. Education: West Virginia is home to several universities and colleges, including West Virginia University (WVU) and Marshall University. WVU is the state’s flagship public research university and is located in Morgantown.

6. Outdoor Recreation: The state’s natural beauty makes it a popular destination for outdoor enthusiasts. West Virginia offers opportunities for hiking, camping, fishing, hunting, white-water rafting, and skiing. The New River Gorge National River and Harpers Ferry National Historical Park are two popular outdoor destinations in the state.

7. Tourism: West Virginia attracts tourists with its scenic landscapes and outdoor activities, including the famous New River Gorge Bridge, which is one of the longest single-span arch bridges in the world. The state also hosts events like the Mountain State Forest Festival and the Bridge Day celebration.

8. State Symbols: West Virginia has various state symbols, including the state bird (Northern Cardinal), state flower (Rhododendron), state tree (Sugar Maple), and state motto (“Montani Semper Liberi,” which means “Mountaineers are always free”).

9. Nickname: West Virginians are often referred to as “Mountaineers” in reference to the state’s mountainous terrain. This nickname is also associated with West Virginia University’s athletic teams, known as the WVU Mountaineers.

10. Politics: West Virginia’s political landscape has historically been more conservative, and it is known for its strong support of the Republican Party in national elections. However, the state has had Democratic governors and has a mix of political views within its population.

West Virginia has a unique cultural identity and a rich history, and it continues to evolve as it faces economic and demographic changes in the 21st century.

Oklahoma is a state located in the southern central part of the United States. Here are some key facts and information about Oklahoma:

1. Capital and Largest City: Oklahoma City is both the capital and the largest city in the state.

2. Statehood: Oklahoma became the 46th state of the United States on November 16, 1907.

3. Geography: Oklahoma is known for its diverse geography, which includes plains, hills, forests, and lakes. It is part of the Great Plains region and is sometimes referred to as the “Sooner State.”

4. Nickname: Oklahoma’s nickname is “The Sooner State.” This nickname originated from the “Sooners,” who were settlers who entered the territory illegally before it was officially opened for settlement in 1889.

5. Population: As of my last knowledge update in January 2022, Oklahoma had an estimated population of over 3.9 million people.

6. Economy: Oklahoma’s economy is diverse, with significant contributions from agriculture, energy production (including oil and natural gas), aerospace and defense industries, manufacturing, and tourism.

7. Native American Heritage: Oklahoma has a rich Native American heritage, with numerous tribes having historical and contemporary ties to the state. The Trail of Tears, a forced relocation of Native American tribes in the 19th century, passed through Oklahoma.

8. Tornadoes: Oklahoma is part of Tornado Alley, a region in the central United States known for frequent and severe tornadoes. The state experiences a high number of tornadoes each year.

9. Education: Oklahoma is home to several universities and colleges, including the University of Oklahoma and Oklahoma State University.

10. Tourism: The state offers various tourist attractions, including the Oklahoma City National Memorial (honoring the victims of the 1995 Oklahoma City bombing), the Tulsa Zoo, the Chickasaw National Recreation Area, and the scenic Ozark Mountains in the eastern part of the state.

Please note that some details, such as population figures or specific events, may have changed since my last update in January 2022. If you have any specific questions or need more detailed information about Oklahoma, feel free to ask!

Precious metals are the best investments today. Here’s Fake President Biden’s zero cent coins from the U.S. TREASURY MINT.

Viviani Fedelich is a star in the making. The team at GCA Mortgage Group and Lending Network LLC is proud to work with Viviani Fedelich. Viviani Fedelich is a role model and always goes above and beyond. Mark my words, Viviani Fedelich is a multi millionaire in the making. Attached is where Viviani Fedelich does her work and is Viviani think tank. Viviani is a commercial loan officer and a Business Development Manager at Lending Network LLC.

Utah Hard Money loans in Utah at 75% LTV and Closing in 24 hours. No cap. Investment properties only. Can close same day. Contact Dianne Burnett at dianne@gustancho.com

http://Www.gustancho.com/hard-money-loan-closings/

John Parker, who are the top 10 branches at NEXA Mortgage so I can compare apples to apples. I think it’s time we start going full blast recruiting. Also. The largest size branches at NEXA by volume and loan officers. Thanks.

Today’s meeting with Yvonne Schinzel has been rescheduled to Tuesday, August 8th, due to severe storms by Yvonne at 2 pm CDT. Important meeting. We will go over TBD Underwriting Pre-Approvals and Down Payment Assistance programs. TBD underwriting is when the borrower’s file is submitted without a property and is fully underwritten by a mortgage underwriter and a conditional loan approval is issued. It is like a loan commitment without the property. Once the borrower gets the property, the real estate purchase contract is submitted to the same underwriter. The property is then underwritten, the appraisal is ordered and reviewed, and the clear to close is issued. I used to do this all the time, and it is a game changer. Almost like a cash offer, and sellers love it. We have our preferred wholesale lending partner Christian Sorenson at EPM with a forgivable down payment assistance program, which is our best DPA loan program. Still, the maximum DTI is 48.99/48.99, and only borrower paid. Cameron LeClair from the Lender is our second preferred lender of choice, but the down payment is a non-forgivable, full 46.9%/56.9% DTI with approve/eligible but the borrower needs 680 FICO, which is weeding out a lot of people. On the other hand, Yvonne has a DPA non-forgivable program with a minimum 600 FICO, and a debt-to-income ratio can go up to 46.9%/56.9%. Lender paid compensation.

Hilarious funny video clip.

https://www.facebook.com/share/r/1RpSEfUmUPA311HE/?mibextid=D5vuiz

facebook.com

https://www.facebook.com/Sandratiendaderegalos?mibextid=ZbWKwL | Sandra K Valle Gonzales | Sandra K Valle Gonzales · Original audio

https://www.facebook.com/Sandratiendaderegalos?mibextid=ZbWKwL. Sandra K Valle Gonzales · Original audio

Inflation has been skyrocketing like never before in history. Home prices are at historic highs. Mortgage rates are almost at 8.0% with no signs of increasing. Rents are increasing every year but wages has not gone up. If anything, wages are decreasing and by no means keeping up with Inflation. What’s in the horizon? I feel bankruptcy rates will increase like never before.

Gustan Cho NMLS 873293 of Gustan Cho Associates is able to do 75% LTV HARD MONEY LOANS IN UTAH. Based on the information available up to my last update, several areas in Utah have been considered promising for real estate investment. Here’s an overview of some potentially attractive areas:

Salt Lake City:

• Strong job market and economic growth
• Growing tech sector (“Silicon Slopes”)
• Diverse neighborhoods with varying investment opportunities
• High demand for rentals, especially near universities

Provo-Orem:

• Home to Brigham Young University and Utah Valley University
• Strong rental market due to student population
• Growing tech industry presence

St. George:

• Rapidly growing population
• Popular retirement destination
• Booming tourism industry

Ogden:

• More affordable than Salt Lake City
• Growing job market
• Outdoor recreation attractions

Lehi:

• Part of the “Silicon Slopes” tech corridor
• Rapid job growth
• New construction and development opportunities

Park City:

• High-end real estate market
• Strong vacation rental potential
• World-class ski resorts nearby

Sandy:

• Family-friendly suburbs
• Good schools
• Proximity to outdoor recreation

Draper:

• Growing tech presence
• High-income area
• New development opportunities

South Jordan:

• Part of the fast-growing “Silicon Slopes”
• Family-oriented community
• New master-planned communities

West Valley City:

• It is more affordable than some other Salt Lake suburbs
• Diverse population
• Potential for property appreciation

When considering real estate investment in Utah, keep in mind:

• Job market and economic growth in the area
• Population growth trends
• Rental demand (especially in college towns)
• Tourism impact (for short-term rentals)
• New development and infrastructure projects
• Local zoning laws and regulations
• Property tax rates, which can vary by municipality

Always conduct thorough research and due diligence before making any investment decisions. Consult local real estate professionals, property managers, and financial advisors for the most up-to-date and area-specific information.

https://gustancho.com/getting-pre-approved-prior-to-moving-to-utah/

• This discussion was modified 7 months, 1 week ago by  Gustan Cho.

gustancho.com

Getting Pre-Approved Prior To Moving To Utah

People planning on moving to Utah, GCA is a no overlay lender and non-QM broker. Can help getting pre-approved prior to moving to Utah

A house in South Carolina follows a series of steps similar to buying real estate in many other states. Here’s a general outline of the process:

1. Assess Your Finances: Before you begin searching for a house, it’s essential to evaluate your financial situation. Review your credit score, calculate how much you can afford for a down payment and monthly mortgage payments, and consider additional costs like closing expenses, property taxes, and insurance.

2. Get Pre-approved for a Mortgage: This step involves approaching a mortgage lender to get pre-approved for a loan. Pre-approval will give you an idea of the loan amount you qualify for, which can help in your house search and make your offer more credible to sellers.

3. Find a Real Estate Agent: Engage a reputable real estate agent experienced in the South Carolina housing market. A skilled agent can assist you in finding properties that meet your criteria, negotiate with sellers, and guide you through the entire process.

4. House Hunting: Work with your real estate agent to search for homes that match your requirements and budget. Visit potential properties to assess their condition and consider location, neighborhood, schools, and amenities.

5. Make an Offer: Once you find a house you like, work with your real estate agent to draft a written offer to purchase the property. This offer will include the price you’re willing to pay, the proposed terms and conditions, and any contingencies you may have (e.g., home inspection, financing).

6. Negotiation and Acceptance: The seller may accept your offer outright, or they may negotiate the terms until both parties reach an agreement. Once you and the seller sign the purchase agreement, you’ll proceed with the home-buying process.

7. Home Inspection: After accepting your offer, conducting a home inspection is crucial. Hire a licensed home inspector to examine the property thoroughly for any issues or potential problems.

8. Appraisal and Financing: Your lender will likely require a home appraisal to ensure the property’s value matches the loan amount. Simultaneously, you’ll work with your lender to finalize your mortgage and complete all necessary paperwork for financing.

9. Title Search and Insurance: A title company will perform a title search to ensure no outstanding liens or claims on the property. Additionally, you’ll want to secure title insurance to protect yourself from any unforeseen title issues.

10. Closing: During the closing, you’ll sign all the necessary paperwork, including the mortgage documents and the deed. You’ll also pay the closing costs, typically including fees for various services, taxes, and insurance.

11. Possession: After the closing, you’ll receive the keys to your new home and officially become the owner.

It’s important to note that real estate processes can vary slightly depending on the specific area and local regulations. Working with a knowledgeable real estate agent and other professionals will ensure a smoother, more informed experience throughout the home-buying journey.

https://www.youtube.com/watch?v=4dMr8ki3sZE

Moving to Indiana can be an exciting experience! Indiana is a state located in the Midwestern region of the United States and is known for its diverse landscapes, friendly communities, and rich history. Here are some things to consider and tips to help you with your move:

1. Research Different Areas: Indiana has various cities and towns, each with its own unique character and amenities. Consider factors such as cost of living, job opportunities, school districts (if applicable), and the overall lifestyle you’re seeking when choosing a place to settle.

2. Climate: Indiana experiences all four seasons, so be prepared for hot summers and cold winters. Make sure to pack accordingly with clothing suitable for different weather conditions.

3. Cost of Living: The cost of living in Indiana is generally lower than in many other states, making it an attractive option for those seeking affordability.

4. Job Market: If you’re moving for work, research the job market in your chosen area. Indiana has a diverse economy, with significant industries including manufacturing, agriculture, healthcare, and technology.

5. Transportation: Indiana has a well-developed network of highways and interstates, making it relatively easy to travel within the state and to neighboring states. If you’re moving from out of state, consider transportation logistics for your belongings.

6. Schools and Education: Indiana has both public and private schools, as well as several colleges and universities. If you have children, research the local schools and districts to find the best fit for their education.

7. Outdoor Activities: Indiana offers a range of outdoor recreational opportunities, from hiking in state parks to boating on its many lakes and rivers. Take advantage of these activities to explore the natural beauty of the state.

8. Local Culture: Embrace the local culture and traditions. Indiana has a strong sports culture, with basketball and auto racing being particularly popular.

9. Connect with Locals: Hoosiers (a term used to refer to Indiana residents) are known for their friendliness. Don’t hesitate to connect with locals, join community events, and get involved to build a strong social network.

10. Prepare for the Move: Plan and organize your move well in advance. Notify relevant parties about your change of address, hire a reliable moving company, and take care of any necessary paperwork or documentation.

Remember that every move comes with its challenges, but with proper preparation and a positive attitude, you can make the transition to Indiana a smooth and enjoyable one. Good luck with your move!

https://www.youtube.com/watch?v=6j5LqYBsBqQ

There is no doubt that Joe Biden is the worst President of the United States and one of the dumbest, if not the dumbest, human being ever to head the Oval Office. I can give you an overview of some of the economic policies and initiatives that were in place during the Biden administration up to my last update.

When Joe Biden took office as the 46th President of the United States in January 2021, he faced significant economic challenges, primarily due to the COVID-19 pandemic’s ongoing impact on the economy. His administration’s economic agenda aimed to address the public health crisis and support economic recovery.

Some key points of the Biden administration’s economic policies up to September 2021 included:

1. COVID-19 Response: Biden prioritized a comprehensive approach to combat the pandemic, including mass vaccination campaigns, expanded testing, and providing financial aid to individuals and businesses affected by the pandemic.

2. American Rescue Plan Act: In March 2021, the administration passed the American Rescue Plan Act, a $1.9 trillion economic relief package. This legislation included direct payments to individuals, extended unemployment benefits, aid to state and local governments, funds for COVID-19 vaccine distribution, and support for small businesses.

3. Infrastructure and Jobs Plan: Biden proposed an infrastructure plan that aimed to invest heavily in infrastructure projects, such as transportation, broadband, and clean energy. The proposed plan also sought to create jobs and boost economic growth.

4. Tax Policy: The Biden administration proposed raising taxes on corporations and high-income individuals to fund various social programs and infrastructure investments. The goal was to address income inequality and generate revenue to support government initiatives.

It’s essential to remember that the economy’s performance is influenced by various factors, including global economic conditions, geopolitical events, and other policy changes. Therefore, I recommend checking more recent sources to obtain an up-to-date and comprehensive assessment of the Biden economy as of August 2023.

https://www.trunews.com/stream/joe-biden-dreams-of-ice-cream-as-nashville-christian-school-children-are-dead

Funny pug or Frenchie

Change Thumbnail

• Generating thumbnail…
• Generating thumbnail…

0:29

0:29

Here is the link for XACTUS Credit Training. It used to be Credit Plus University Training but since XACTUS took it over, it is now called XACTUS CLASSES and WEBINARS

https://xactus.com/xactus-u-classes/

xactus.com

Xactus U - Classes

Our free online classes can be accessed by Xactus customers live each day or scheduled via appointment. We even offer customized training sessions by request.

Here is a comprehensive training program from Private Mortgage Insurance Company:

https://training.enactmi.com/

training.enactmi.com

training.enactmi.com

training.enactmi.com

Financing a new or used car typically involves securing a loan to cover the cost of the vehicle, which you then repay over a set period of time. Here’s a general process you can follow:

1. **Assess your budget**: The first step to financing a car is understanding what you can afford. This includes considering the monthly payments you can manage, as well as the down payment you can afford to make. You’ll also want to consider other costs, like fuel, insurance, maintenance, and registration fees.

2. **Check your credit score**: Your credit score will impact the interest rates you’re offered on a loan. The better your credit, the lower the interest rate will likely be.

3. **Compare pre-approval offers**: Before you start shopping, get pre-approved for a loan from various lenders. This will give you a good idea of what kind of interest rates and terms you can expect. Banks, credit unions, and online lenders can all be good sources for pre-approval.

4. **Choose your car**: Once you know your budget, you can start shopping for a car. When selecting a car, be sure to consider both the initial cost and the long-term costs of owning that particular make and model.

5. **Negotiate price**: Don’t accept the first price you’re given. Do some research on the car you want, negotiate the price, and be prepared to walk away if you can’t get a deal you’re comfortable with.

6. **Choose your loan**: After you’ve chosen a car and negotiated the price, you can finalize your loan. You can choose to go with one of the pre-approval offers you received, or you can see what kind of financing the dealership offers. Be sure to compare the interest rates, loan terms, and fees of all your options.

7. **Close the deal**: Once you’ve chosen your loan, you’ll close the deal with the lender and the dealership. This usually involves signing a lot of paperwork, so make sure you read everything carefully before signing. Ask questions if there’s anything you don’t understand.

8. **Make your payments**: Once the deal is done, you’ll start making payments on your loan. It’s very important to make these payments on time each month to maintain your credit score and avoid late fees.

Remember, when financing a car, you don’t want to stretch yourself too thin. Make sure you can comfortably afford the payments and that you’re getting a good deal on both the car and the loan.