This subforum will train our digital media marketing team how to do a rewrite and updating older blogs to fresh content. Google and other search engines want new fresh content for maximum SEO on the search engines. Just because your article has hundreds of keywords and is ranking on first position on Google and other search engines does not mean that is will continue to do so. Google and other search engines want the most updated information on its organic search engines for their viewers. All publishers should take Googles recommendations seriously and update their content to be userfriendly with the most recent and accurate information. This includes videos, infographics, and clear H1 and H2 titles. We will take an example of how older blogs should be rewritten and updated.

This is an older blog from 2018 that we will use as a case scenario and how I am updating it. Instead of writing a brand new blog that is similar or the same H1 TITLE, go back to the older blog that has the title you want to write and get that blog updated. Otherwise, if you write a brand new blog of similar or the same H1 and H2, Google will penalize you for having duplicate content. Plus updating older content will get you a higher boost and creditbility for SEO and even get you more keywords to the keywords you already have.

Here is the blog that I am rewriting from Gustan Cho Associates : Cash-Out Refinance Mortgage Loan Eligibility Guidelines and here is the URL https://gustancho.com/cash-out-refinance-mortgage-loan/

Take a look at how I am rewriting blogs and adding new content. I have screenshots attach and if you can follow how I am progressing so we are all on the same page, you will not get confused and follow this tutorial. GCA Mortgage Group is going to expand our Digital Marketing and Social Media Team so it is important that Anngelli and April is going to master this because you two ladies will be the Chief Management Instructors to run this program. I want to be consistent. I want Ravinder Sharma to check the rankings prior to the rewrite and update and after the rewrite and analyze the data and ranking of how much the rewrite and update has improved. Let’s go ahead and do a cash scenario with this blog Cash-Out Refinance Mortgage Loan: Again, here is the URL URL https://gustancho.com/cash-out-refinance-mortgage-loan/: These steps need to be followed:

1. Check the H1 TITLE. Is it too long? Does it make sense? Check Google and see what better name is there. Try to keep the URL the same and NOT change
2. Update date to current date (look at the screenshot. You see the screenshot before and after. Do not have space between one H2 body.
3. Separate the H2 body with a two liner quotation sentence related to the body. (See attached screenshots)

SECOND H2 BODY Use Title: Go to Google and Search Cash-Out Refinance Mortgage Loan (See Image)

1. Look at “People Also Asked” (Look at attached screenshot: Is cash-out refinance a good idea?

   Key takeaways. The benefits of a cash-out refinance include access to money at potentially a lower interest rate, plus tax deductions if you itemize. On the down side, a cash-out refinance increases your debt burden and depletes your equity

2. Try to use the text from People Also Asked subtitle H2 : Is Cash-Out Refinance Loan a Good Idea (Look at Image)

3. Look at third H2 body Term and Rates on Cash-Out Refinance Mortgage Loan. Two line quotation should be every other H2 body paragraphs (look at image)

You guys are doing a great job but let’s all stay uniform: I will continue on this topic on a separate email. I want to work with each of you the next blog you rewrite. Let me know once you update and rewrite and let’s get on ZOOM together so I want to review. Call me after each of you finish writing the next blog. I will make modifications and let’s go over it. Lets talk tomorrow morning. We will have multiple series for this FORUM. We will continue Part II on the next series:

Here is the finish product

• This discussion was modified 1 year, 1 month ago by  Gustan Cho. Reason: Forgot image

gustancho.com

Cash-Out Refinance Mortgage Loan Eligibility Guidelines

Cash-Out Refinance Mortgage Loan on FHA is 80% LTV, Conventional is up to 80% LTV, VA loans is 100% LTV, Non-QM loans is 80% LTV.

Here is WORDPRESS REWRITE and UPDATING CONTENT PART II. Here is the continued instructions on how I update and rewrite the blogs: I will send you the screen shots:

Go to ChaptGDP and enter the H1 Title Cash-Out Refinance Mortgage Loan Eligibility Guidelines

1. Copy and paste the text of ChaptGDP and enter into Grammarly (Look at attached screenshot)
2. Click the Plagirsm icon on the right bottom (Look at attatched screenshot)
3. Look at the highlighted body Grammarly is suggesting that it is duplicate content: Delete and rewrite the plagirsm content (Look at attached screenshot)
4. Continue rewriting suggested deleted content until the Plagirsm is less than 7% (Look at attatched screenshot)
5. Copy and paste and post on the main WordPress blog (Look at attached screenshot)
6. Start breaking the new content from ChaptGDP and blend into the main WordPress blog (Look at attached screenshot)
7. Use Title PEOPLE ALSO ASK from Google as new H2 subtitles for new body (Look at attached screenshot)
8. Once done, Check Rank Math which we will continue on the next and final part of this tutorial.

We will next go to WORDPRESS REWRITE AND UPDATING CONTENT PART III

James Strebel of REO Foreclosure Services is nationally known for his cleanup and renovation after the home forecloses. James Strebel’s clients are banks and financial institutions that take over the property due to breach of the terms of the mortgage loan agreement. This includes residential and commercial properties. @James

Many homebuyers who cannot get an approval from the automated underwriting system (AUS) but eligible for a manual underwriting should absolutely explore a TBD Underwriting Pre-Approval. A TBD Underwriting Pre-Approval is when the borrower’s mortgage loan application goes through all the steps of the mortgage process but without a property. The borrower’s file will go through processing, underwriting, and get a conditional approval. Part of the condition loan approval will be the property. The loan officer will suggest to purchase a property. The borrower will get a home under contract and the lender will restart the final stage of the mortgage process which is underwrite the house. An appraisal will get ordered and the underwriter will underwrite the property. Once the underwriter finishes clearing the appraisal, a clear to close will be issued. With a CTC the mortgage processor will coordinate the closing with the title company. Here’s a guide about TBD UNDERWRITING PRE-APPROVAL PROCESS

@JenZ @Ali @wendy

https://gustancho.com/fully-underwritten-tbd-mortgage-approval/

gustancho.com

Fully Underwritten TBD Mortgage Approval As Pre-Approvals

Fully Underwritten TBD Mortgage Approval are full approvals for borrower on manual underwrites and tougher mortgages without the property

The Wellness Company (TWCHEALTH.COM) offers 30 critical life saving medications for round two of our plandemic. Be prepared.

Visit the Wellness Company which also known as The Wellness Company Health. Big Pharma does not want you to get a hold of lifesaving medications. Check out their website the the 30 critical life saving medications big pharma and the globalists does not want you and your loved one get access to. Here is the link:

https://www.twc.health/

twc.health

The Wellness Company

Own Your Health

Gustan Cho Associates offers EPM EMPOWERED DPA PROGRAM for first time homebuyers with a forgivable down payment assistance mortgage program. Please contact Gustan Cho of NEXA Mortgage LLC dba Gustan Cho Associates. We are licensed in 48 states including Washington DC, Puerto Rico 🇵🇷 and the Virgin Islands 🇻🇮. https://gustancho.com/down-payment-assistance-mortgage/

gustancho.com

EPM Empowered Down Payment Assistance Mortgage Program

There are recoverable and non-recoverable Down Payment Assistance Mortgage for Homebuyers is offered at Gustan Cho Associates

Chase continuing to practice how to sit

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I was moved listening to Steve Jobs inspirational commencement speech. A must watch.

https://www.facebook.com/share/v/RvFx6CkNhH9uftHo/?mibextid=OTybqR

facebook.com

#SteveJobs’ timeless #CommencementSpeech at #StanfordUniversity is one of the best speeches to listen to - full of lessons. Which lessons resonate more with you? | #SteveJobs’ timeless #CommencementSpeech at #StanfordUniversity is one of the best speeches to listen to - full of lessons. Which lessons resonate more... | By Dr. Evans Duah | Facebook

#SteveJobs’ timeless #CommencementSpeech at #StanfordUniversity is one of the best speeches to listen to - full of lessons. Which lessons resonate more...

Check out this manufactured home. Many manufactured homes are better than stick built hones

https://youtu.be/_EoQhYsJ5kA?si=IjdTf2LswbJQXN_Z

Anyone know where I can buy this cute white tiny teacup Pomeranian puppy? I head the Russian Pomeranian puppy have the best bloodlines

https://youtube.com/shorts/Pcg7FaQ-ymg?si=dpzZzPOaFzKiJUzQ

I have been with NEXA Mortgage LLC going on 2 years as of February 24th. NEXA MORTGAGE is hands down the best mortgage company I have worked for in the mortgage industry. No other company comes close. NEXA MORTGAGE LLC has the states, lowest rates, and the products. No other mortgage company comes close. Tge reason why NEXA Mortgage is the best of the best is because of its founder and CEO, CEO Mike Kortas. Since the day I started working with NEXA, CEO Mike Kortas has never told me what to do, how to do things, or flex his muscles to show he is the boss. A man who is humble, honest, transparent, and is always supportive and backe you up on anything you want to do to further your career. A true leader who is loved and respected by all and gives you the key to succeed. A man who if you are loyal to him with give you ten fold back. CEO Mike is available seven days a week and have never not returned a call or text when you try to get a hold of him. We are all proud of CEO Mike Kortas for him being him. A true legend and Godsend.

https://www.facebook.com/share/v/2fqq6JHamHXgvh8a/?mibextid=21zICX

facebook.com

From Mike Kortas, CEO of NEXA Mortgage: "Staying closely connected with our Loan Officers is key to our success. That's why I'm personally ensuring we... | By Mike Kortas | Facebook

From Mike Kortas, CEO of NEXA Mortgage: "Staying closely connected with our Loan Officers is key to our success. That's why I'm personally ensuring we...

Here’s the second day of me working with Chase my one year old German Shepherd puppy. Walked around the pond three times around. Teaching Chase how to walk on a leash. He’s kinda of not domesticated and needs a lot of work.

I am first going to leash training Chase then I will training him off leash train him. Tge sit, down, stay, and heel.

If you are detained by a police officer, DO NOT ARGUE and do as the cop says whether you agree with the officer or not. Here’s a typical case where you are guaranteed a death sentence by a cop

https://www.facebook.com/share/v/nTsgu1h8pitAanoy/?mibextid=21zICX&startTimeMs=81635

facebook.com

Man Gets Shot After Opening Fire On Deputies At Florida Gas Station. | Man Gets Shot After Opening Fire On Deputies At Florida Gas Station. | By Snakers | Facebook

Man Gets Shot After Opening Fire On Deputies At Florida Gas Station.

Here is a video clip of what not to do when you get stopped by a police officer

https://www.facebook.com/share/v/TmDkUFC1XGwC9S78/?mibextid=21zICX&startTimeMs=29509

facebook.com

What NOT To Do During a Traffic Stop | What NOT To Do During a Traffic Stop | By Code Blue Cam | Facebook

What NOT To Do During a Traffic Stop

Many loan officers are often curious about working for an FDIC Bank as a loan officer versus a state licensed mortgage company

The best Japanese sushi 🍣 fine dining restaurant in Chicago. It’s in the Lakeview neighborhood and the finest restaurants of sushi. You will love it. For special occasions or group functions up to 18 people

https://www.ajiomakase.com/

ajiomakase.com

AJI Omakase Chicago | Omakase Sushi Dining Experience

AJI is an omakase dining experience available for the greater Chicago residents. We take pride in serving the greater Lakeview area with a premium nigiri sushi experience with our Omakase. Executive chef Kristian Cho leads AJI's culinary team with his … Continue reading

Here’s videos of Chase. Started leash training Chase the one year old German Shepherd puppy. Walked three tines around the pond. Did so so and he tried pulling time to time. Did not yell at him or try to train him. First day so I let him get used to the house and walking path. Will try to walk him daily for a week before I start leash training him. I want to train him to walk off leash, come when he is called, and not run after squirrels or leave the area where he can not be by me. I will post our progress as time pass. Chase still thinks he is a 4 month old German Shepherd puppy and is clueless on everything. Everything is a game to him. Chase is a good natured dog and doesn’t have a mean bone and needs to start learning how to behave and get some manners. I purchased Chase in September and he has two different types of worms 🪱. One type was a intestinal worm that took 4 months to treat and he needed to be separated from our other dogs because the poop was contagious. Now he’s all healed and showtime so time for one on one training. Chase loves toys especially squeaky balls. I want to train him how to fetch and go on car rides. Once Chase is fully trained, I like to get another German shepherd puppy

Jimmy Buffet Margaritaville

https://youtu.be/mrF4nF8VUb4?si=aylLSOXElIC4LpO3

Here’s a story about how a Duluth Minnesota police officer stopped a vehicle driven by a male who had a child not in a car seat. The father told the police officer he did not have the money to buy a car seat. Instead of citing the driver, the police officer told the driver to follow him to Wal-Mart. The rest is history. Watch the video

https://www.facebook.com/share/RWaGJtshsWPB77qG/?mibextid=oFDknk

facebook.com

Cop approached the car and then this happened...🤯 | Cop approached the car and then this happened...🤯 | By STEVE on Watch | Facebook

Cop approached the car and then this happened...🤯

What planet is Jerome Powell in. Inflation is at 3%? I have so little respect for liars.

https://youtu.be/ImrKxlLJCEY?si=H8SMrwFTV0zlkW_8

German Shepherd Puppies are the all around best dog for you and your family. My first German Shepherd puppy was a female pure bred German Shepherd puppy named Jeannie when my father purchased it for me after my first semester of my freshman year in high school. Amazing best friend who was always there for me and became my buddy, best friend, and was always there for me. She didn’t need to get trained. Learned everything herself and communicated beyond belief

https://www.facebook.com/share/r/FGUrMTiZXt7yM8TB/?mibextid=nnhLG8

facebook.com

We’re German Shepherds #gsd #weregermanshepherds | P E L E | thefurrydogmother · Original audio

We’re German Shepherds #gsd #weregermanshepherds. thefurrydogmother · Original audio

Chase will be one year old come January 25th, 2024.

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• This discussion was modified 1 year, 3 months ago by  Gustan Cho.

My first grandson, Alexander. My oldest, daughter Monica Cho first child, Alex.

Here is a video clip of Chase enjoying playing with Stella in the snow. This is the German Shepherd puppy’s first major snow storm since he was born in January 25th, 2023. I adopted Chase four month ago and he had a rough time since he became 💔 a member of our family because he couldn’t play with our other dogs because he had two different types of worms, one which was an intestinal damaging worm that could have taken up to a year to heal. With a negative worm test last week, he has a lot of catching up to do being a playful puppy. Will post more videos

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Congratulations on another nice five-star customer review for Alex Carlucci of NEXA Mortgage, LLC dba Gustan Cho Associates. Alex Carlucci always goes above and beyond for his borrowers and everyone becomes Alex’s life long friend.

We are going to launch John Parker’s websites and show the progress in this section. John, think about the layout, template, functionality of the following websites:

• http://www.bestvamortgageloans.com
• http://www.vastreamlinerefinancelenders.com
• http://www.fhastreamlinerefinancelenders.com
• http://www.realtormlocareers.com
• http://www.nexamortgagecareers.com

10-Year Treasuries fell slightly to 3.92% which has been hovering between 3.72 to 4.15 the past four weeks fluctiating mortgage rates and relieving the fear rates may go higher for consumers, realtors, and loan officers. 30-year fixed rate mortgages trading down -0.29 putting rates at 6.49%. 15-year fixed-rate mortgages dropped -0.013 placing 15-year fixed-rate mortgage rates at 5.90% for prime borrowers. 5/1 ARM fell 0.67 pricing mortgage rates at 5.90%. Housing inventory remains tight and inventory lags with the demand for homes nationwide. Part of the imbalance of falling rates, high inflation, skyrocketing home prices, and a weak unpredictable economy with questionable validity on numbers and data released is a large percentage of homeowners who purchased homes two to four years ago have locked in mortgage rates around 3.0% and at the same time home prices have gone up an average of 50% over a period of three years, many homeowners do not want to sell and intend in staying put. If the circumstances were different, so will the homeowners agenda and may consider selling the current home or keeping the current home as a rental and purchase a new home whether upgrading or downsizing. Mortgage rates increased more than double of what it was just two years ago. The sudden interest rate jump to 8% have Americans with the mentality of not being able to justify investing in a new home for their primary home as well as investment homes. Many first-time home buyers who were qualfied and pre-approved around mid 2020 through the coronavirus outbreak in February 2021 who decided to wait because they were under the impression of a housing market correction and mortgage rates plummeting from 3.625% found it disappointing and disheartening that home prices have gone by 20% to 50% or more depending on the area and state and mortgage rates skyrocketing past 8.0%. Many homebuyers are now priced out of the market due to the sudden massive spike in housing prices. The monthly housing payment would have gone up from 50% to 100% where they can no longer afford with their wages. Wages have not kept up with inflation and high cost of goods and services. Americans still feel betrayed by the media and politicians at all level of government due to the deception, lies, truth being not told, fake news, political divide, and economic uncertainty in the nation. The country is maliciously divided by political party and the ideology globalists and extreme liberals are putting out is enough to make the American people not trust anything they hear until it has been fact checked and confirmed by reliable sources. Deaths from people who took the coronavirus vaccine and its boosters is increasing. More younger Americans in good health and shape are dying in their sleep due to blood clots or are getting diagnosed with fatal cancel losing their life prematurely. Many believe it is due to the coronavirus vaccine. The coronavirus vaccine has been cause of these premature deaths or illnesses of healthy individuals and many from all levels of society and profession swear the coronavirus vaccine has been engineered, created, and promoted to be the death tool and the solution to depopulate the world.

I have never purchased mortgage leads since I started the mortgage business. Are there any good mortgage lead companies?

THIS Message is for Mr. Mike Neill. Can GCA Oakbrook Terrace get loan officers from AXEN do third party processing? Mr. Bill Burger-King said we could. Can we explore that possibility.

Mortgage Rates Today: January 10, 2024— 30-year fixed mortgage rates are steady. 15-Year Mortgage Rates Increase. Today, the current average mortgage rate on a 30-year fixed mortgage is 7.35% compare to last week when the mortgage rate was 7.29% while the average rate on a 15-year mortgage is 6.49%. The annual percentage rate (APR) on a 30-year, fixed-rate mortgage is 7.24%. The APR was 7.22% last week. APR is the all-in cost of your mortgage loan. On a 30-year jumbo mortgage, the average rate is 7.20% @ source bank rate. With today’s interest rate of 7.35%, a 30-year fixed mortgage of $100,000 costs approximately $689 per month in principal and interest (taxes and fees not included), the GCA Best Mortgage Calculator shows. Borrowers will pay about $148,054 in total interest over the life of the loan.

The average interest rate on a 15-year mortgage (fixed-rate) is 6.49% compared to last week, the 15-year fixed-rate mortgage rate was at 6.35%.

The APR on a 15-year fixed is 6.43% compared to 6.30% this time last week. At today’s interest rate of 6.49%, a 15-year fixed-rate mortgage would cost an estimated $870 per month in principal and interest per $100,000. You would pay around $56,681 in total interest over the life of the loan.

Mortgage interest rates are determined by a complex interplay of various economic, financial, and individual factors. Here are some of the key factors that influence mortgage interest rates:

Economic Conditions: The overall health of the economy plays a significant role. When the economy is strong, with low unemployment and robust economic growth, interest rates tend to rise. Conversely, during economic downturns or recessions, rates tend to fall as central banks may lower their policy rates to stimulate borrowing and spending.

Central Bank Policies: Central banks, such as the Federal Reserve in the United States, set short-term interest rates through their monetary policy. Changes in these rates can have a cascading effect on longer-term interest rates, including mortgage rates.

Inflation: Inflation erodes the purchasing power of money over time. Lenders typically require higher interest rates to compensate for the expected loss in value of the dollars they will be repaid in. Therefore, when inflation expectations rise, mortgage rates tend to go up.

Supply and Demand: The supply and demand for mortgage loans in the secondary market can affect rates. When there’s high demand for mortgages and a limited supply of funds, rates may rise. Conversely, when there’s less demand or more supply, rates may fall.

Creditworthiness: Your personal credit score and credit history influence the interest rate you’ll be offered. Borrowers with higher credit scores and better credit histories are typically offered lower interest rates because they are considered less risky.

Loan Term: The term of the mortgage (e.g., 15 years, 30 years) can also impact the interest rate. Shorter-term loans often come with lower interest rates than longer-term loans because they pose less risk to lenders.

Down Payment: A larger down payment can often lead to a lower interest rate. Lenders may view borrowers who make a substantial down payment as less risky.

Type of Mortgage: Different types of mortgages, such as fixed-rate and adjustable-rate mortgages (ARMs), have different interest rate structures. ARMs typically start with lower initial rates but can adjust over time, while fixed-rate mortgages maintain the same rate for the entire loan term.

Market Conditions: Mortgage rates can be influenced by market sentiment, investor demand for mortgage-backed securities, and geopolitical events. These factors can lead to short-term fluctuations in rates.

Regulatory Environment: Government policies and regulations can impact mortgage rates. For example, government programs and incentives can make certain types of mortgages more attractive to lenders and borrowers.

It’s important to note that these factors can change over time and can interact in complex ways. Mortgage rates are also influenced by a wide range of regional and local factors, making it essential for borrowers to shop around and compare offers from different lenders to find the best mortgage rate available to them based on their unique financial circumstances.

What determines APR? APR stands for “Annual Percentage Rate.” It is a financial term used to express the true cost of borrowing or the annualized cost of a financial product, such as a loan, credit card, or mortgage. The APR includes not only the interest rate on the borrowed funds but also any additional fees, points, or other costs associated with obtaining the loan or credit.

The APR provides borrowers with a more comprehensive understanding of the total cost of borrowing, making it easier to compare different loan or credit offers from various lenders. Lenders are typically required to disclose the APR to borrowers to ensure transparency in lending practices and help consumers make informed financial decisions.

It’s important to note that the APR is expressed as a percentage, and a lower APR generally indicates a more favorable loan or credit offer because it represents a lower overall cost of borrowing. However, it’s essential to consider other factors, such as loan terms, repayment schedules, and your specific financial situation, when evaluating loan or credit options. Demand for mortgage loans is down despite lower mortgage rates.

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