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

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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

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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

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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

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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, 2 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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The CPI numbers were released this morning higher than expected. TThe Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. The consumer price index numbers released this morning show the CPI increased 0.3% in December and 3.4% from a year ago. What this means is the CPI was higher by 0.30% than one year ago. Excluding volatile food and energy prices, the CPI rose 0.3% for the month and 3.9% from a year ago, compared with respective estimates of 0.3% and 3.8%.

Mortgage rates was not affected by the release of the CPI numbers.

https://www.youtube.com/watch?v=OiloFSVyfkk

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

What is the best artificial intelligence tool for blogging with original content

Here are the best updated numbers for everything Mortgage Statictics including the number of loan officers as of January 2024. A lot of Mortgage Companies, even companies who we worked for are no longer in business. For example, Loan Cabin, Inc. Is completely closed and two states California and Texas revoked their NMLS full eagle Mortgage Lender and Mortgage Broker licenses. Here is the statistics for mortgage industry

https://www.statista.com/topics/1685/mortgage-industry-of-the-united-states/#topicOverview

statista.com

Topic: Mortgage industry in the U.S.

Find the most up-to-date statistics and facts on the mortgage industry in the United States

Cute cat and dog video making a break in. Funny

https://youtube.com/shorts/wKc-eshuaEo?si=9cYXpKQuM9VTq2ip

Like to welcome my Tim Cho of Cho Time Fitness to GCA FORUMS. Tim is my son and has been a champion wrestler in high school, and is a former professional mixed martial arts fighter. Time is also a drill sergeant in the United States Army reserves and does personal training, and coaches groups like local police departments and other agencies in defensive tactics. Tim is going to launch and run the eGym and Nutrion subforum under the HEALTH, WELLNESS, AND FITNESS FORUM here and will answer any questions viewers have about setting up a work out regiment, defensive tactics, and nutrition. His company, Cho Time Fitness is a one on one personal training curriculum. He is taking a working business model and plans on expanding his successful work out coaching program to those who want to be in the best health through regular exercise, and proper eating.

Doctors suggest to exercise for diabetics but many people have a busy schedule. Is there a sucessful workout regiment for diabetics with a heavy work schedule. Many people who are tied to computers and remote workers have a busy schedule they do not have the opportunity to execise. Any suggestions would be greatly appreciated.

Updating old content that got penalized with the latest Google Algorithm UPDATE in September 2023 has helped rankings. Ravinder Sharma, our digital marketing and SEO director has been monitoring our websites after the 2023 latest Google Algorithm changes and found that blogs that have been updated and refreshed has increased in rankings on all search engines. I will have Ravinder post more on this topic.

There will be many positive changes to the GCA Forums. We have created and launched Great Content Authority (GCA) Forums to be a one stop non-spammed online community that has everything to do with everyday needs, goals, and access to homeownership, real estate investment, furthering one’s career, answers to any and all questions you may have. We are in the process of vetting out experts in their field to become mderators. You will see positive changes and useful resources that most people may ask daily and go to various different sources for answers. Our goal is to create a one-stop shop resource center mainly centered on real estate and mortgages but everything else. So instead of looking at dozens of different sources, our goal is for you to come to our online community first and then branch out. No hate content, hateful politics and religion, or Fake News that will offend anyone. Only humor is allowed. If you have a product or service that will benefit our community and the public, you can address it on this forum. We will not ban you from advertising useful specialty product that is a benefit to all of us. Thank you all

• This discussion was modified 1 year, 1 month ago by  Sapna Sharma.
• This discussion was modified 1 year ago by  Sapna Sharma.
• This discussion was modified 7 months, 1 week ago by  Sapna Sharma.
• This discussion was modified 7 months, 1 week ago by  Sapna Sharma.

Latest Google Algorithm Changes

Two unit one month and two to four units three months reserves on VA loans.

To become a loan officer, you need to complete a 20 hour pre-licensing course and pass the 125 hour three hour national NMLS federal exam. The key in passing the national NMLS exam is to go through hundreds of practice multiple choice question. I highly recommend Angie Crippen of On Course Learning. Angie is hands on and will go above and beyond to get you what you need, whether it is now passing the 125 hour course or throughout your mortgage career. Below is the link the NMLS mortgage licensing school On Course Learning with Angie Crippen as our account executive.

https://gustancho.com/mlo-license-school/

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

gustancho.com

MLO License School

MLO License School