I am extremely impressed with President Donald Trump’s The Department of Government Efficiency (DOGE), officially the U.S. DOGE Service Temporary Organization. From my understanding, DOGE is a temporary organization under the United States DOGE Service, formerly known as the United States Digital Service. I think Elon Musk, the person appointed by President Donald Trump to lead the Department of Government Efficiency, is the ideal director of DOGE. Again, in my opinion, a private or government place of employment, business, or agency at every level (local, county, state, and federal) needs to be policed among itself, and any rotten apples need to be held accountable. People in general have various personalities, characters, morals, goals, capacities, and abilities. There cannot be a conflict of interest, ulterior motives, corruption, fraud, greed, or acts of malice, bribery, or other unprofessional acts of conduct. It is the people that make a team, a group, a company, an agency, or a professional organization, again, whether it is private or public. Is the creation and launch of DOGE going to be the new norm? DOGE should be here to stay and should be at all levels of government. It was a brilliant idea how Elon Musk was the appointed leader to head the Department of Government Efficiency. How about local and state governments creating and launching their own DOGE but having the DOGE team consist of people outside the organization so there is no conflict of interest and each investigation is independently arm’s length and not tainted with people among the same or affiliated organizations?

https://www.youtube.com/watch?v=EdNt-w6wjbk&list=RDNSEdNt-w6wjbk&start_radio=1

Mortgage-Housing and Real Estate News for Tuesday January 21st 2025:

Mortgage-Housing and Real Estate News for Tuesday January 21st 2025: GCA FORUMS NEWS UPDATE for Monday January 15th 2025 on the Daily Mortgage, Housing, and Real Estate News four our viewers and members of our online community: Great Content Authority Forums Mortgage and Housing News: Daily National Comprehensive Overview of Mortgage and Real Estate News with special emphasis on interest rates, forecast of mortgage rates, housing forecasts, states with mass exodus of residents and businesses, consumer confidence, consumer price index, employment numbers and job forecast, national economy, bankruptcy, foreclosure, and investment news. Seems Donald Trump is acting fast with pardons, executive orders, turning Tik Tok back on, and suspending top secret clearances for those who betrayed the U.S. Constitution. What benefit has President Trump done to the Real Estate and Mortgage sector? Viewers and members of GCA FORUMS are welcomed to view GCA FORUMS NEWS National Daily News Summary and participate asking questions and volunteer news information that may interest viewers for Tuesday January 21st, 2025.

GCA Forums News Update: Mortgage, Housing, and Real Estate News for Tuesday, January 21, 2025 How Trump’s Policies Immediately Affected Real Estate & Mortgages

The first thing Trump did when taking office was issue a series of executive orders to address the economy and the housing crisis. For example, he also issued an executive order on inflation and housing that aims to relieve some of the restrictions placed on home construction and the building of affordable homes.

Mortgage Rates And Predictions

After President Trump’s orders, mortgage rates changed. Along with the new tariffs, mortgage rates, which had previously been at their highest levels, significantly dropped. This switch brought back hope for potential home buyers.

GCA Forums Housing News

Some experts estimate that mortgage rates will remain above 6% for 2025. A report from Bright MLS suggests having a fixed 30-year mortgage rate of at least 6.4 % in the first 6 months of 2025 before declining to 6.25 % near the end of the year.

The National Associate of Home Builders is estimating the fixed 30-year mortgage rates will drop to 6.5 % by the end of Q4 2024 and below 6% by Q4 in 2025, making it more affordable for home buyers.

The Economic Outlook of the United States – January 2025

Consumer’s Break from Economic Grievances

The first of the primary economic concerns is consumer confidence, which deeply reflects how confidence and an economy are nurtured. Consumer confidence has improved more than expectations due to the recently enacted policies and emphasis on economic development.

Inflation Patterns and Impacts

While reviewing December 2024, the retail inflation rate was estimated to be around 0.3%. The December 2024 CPI report showcased a 0.3% growth impact, indicating a very minimal inflation balance.

Employment Sector Growth and Statistics

The December unemployment rate remained constant at 4.2%, and simultaneously, 150,000 new positions were distributed, further highlighting the stability and health of the country’s labor market.

State Migration Trends

Increased taxes coupled with a high cost of living have led to a significant outflow of residents and businesses in certain states. States such as California and New York have experienced a noticeable dip in their population, which has further depressed their local housing markets and overall economies.

Over the last few quarters, about the past years, this propensity not only escalated but reached the height of commercial Bangla bankruptcy. But eventually, while still attaining new heights, the economy as a whole still managed to maintain some semblance of stability and growth. The one area in which a considerable dent has been placed is the retail sector with the increasing popularity of online shopping.

Investment Opportunities and The Retail Shift

Real estate investments still hold a strong position in terms of diversifying portfolios. Now, while the mortgage rates are expected to reach tomato status, whereby a specific determination is set, people are looking towards the real estate market for new residential or commercial investments.

GCA FORUMS NEWS: Real Estate and Mortgage Section

Here at GCA Forums News, we invite our members to take part in conversations, pose questions, and post exciting news – everything that can be of value to the community. Your articles and other inputs are valued.

Note: This summary is derived from information from Tuesday January 21, 2025. For exhaustive discussions and updates, please check the relevant forums.

• This discussion was modified 1 month, 1 week ago by  Dawn.

Mortgage-Housing and Real Estate News for Monday January 20th 2025: GCA FORUMS NEWS UPDATE for Monday January 15th 2025 on the Daily Mortgage, Housing, and Real Estate News four our viewers and members of our online community: Great Content Authority Forums Mortgage and Housing News: Daily National Comprehensive Overview of Mortgage and Real Estate News with special emphasis on interest rates, forecast of mortgage rates, housing forecasts, states with mass exodus of residents and businesses, consumer confidence, consumer price index, employment numbers and job forecast, national economy, bankruptcy, foreclosure, and investment news. Viewers and members of GCA FORUMS are welcomed to view GCA FORUMS NEWS National Daily News Summary and participate asking questions and volunteer news information that may interest viewers for Monday January 20th, 2025.

Mortgage-Housing And Real Estate Update News

Date: Monday, January 20, 2025

Source: GCA Forums Daily Report

GCA Forums National Daily Report Summary gives an overview of the latest mortgage, housing, and real estate news. The report is focused on measuring the market’s activities’ interest rates, housing predictions, national economic metrics, and, foremost, the impact of important indicators on the market.

Overview of Mortgage Rates

Mortgage rates remained unrivaled, with 30-year fixed mortgage rates averaging a 6.25% shrink from the previous week’s 6.30%.

• Fixed mortgage rates for 15 years: 5.45%
• FHA loans: About 6.00%
• VA loans: From 5.75%, very competitive rates.

Forecast of Mortgage Rates:

The current prediction assumes a minor drop in account construction as inflationary pressure subsides coupled with Federal Reserve measures seeking to cure the economy.

Housing Market Prediction

As for domestic housing price estimates:

• Home prices have not moved tremendously compared to the last years.
• However, some metro areas are registering price drops because they have a greater supply of new homes.

Regional Movements

Sunbelt States:

• Already experiencing expansion, especially in Florida and Texas.

California and New York:

• These states are still undergoing heavy migratory outflow, with residents moving to countries with lower taxation and cheaper housing.

First-Time Homebuyer Trends

There’s an apparent surge in first-time home buyers, mostly due to the increased use of FHA and VA loans, which offer lower down payment thresholds and relaxed credit requirements.

States with Significant Population Losses

Notable states that are losing immense amounts of people include:

California:

High taxes, overall expensive cost of living, and stringent housing regulations.

Illinois:

• Stagnated economy and increased property tax burden.

New York:

• High costs of living and unfriendly business environment.

A Notable state to receive out-of-state movers include:

Florida:

• Great tax policies and low overall expenses.

Texas:

• Cheap housing and policies that favor business.

Tennessee:

• Now, there is no state income tax to pay and increasing job opportunities.

Consumer Behavior and The Economy

Consumer Confidence Index (CCI):

• Improved to a value of 102.3 as of recently.
• An indicator of positive perception towards the economy.

Employment figures:

• In December of 2024, the anticipated 310,000 jobs created were reported.
• Thus decreasing unemployment figures to 3.7%.

Consumer Price Index (CPI):

• Inflation has slowed down compared to the previous 12 months and is now at 3.1% year over year (compared to 3.5% in November).

Change patterns in foreclosure and bankruptcy filings:

• Facing tighter housing budgets and increased interest rates has caused foreclosures to increase, although only slightly above the historical average.
• Personal graduation from bankruptcy debt due to previous filing spikes in early 2024 has leveled off, and so have Chapter 13 filings.

Real Estate Investment News

Rental Market:

• In oversupplied markets, rent growth has plateaued as landlords have to offer new methods to entice tenants.

Commercial Real Estate:

• There is a growing investment focus on industrial and warehouse buildings, mainly due to increased e-commerce.

Vacation Rentals:

• These remain common in Florida and Arizona, where short-term rentals benefit from recovering tourism.

Viewer Participation and Community Engagement

Community members are encouraged to participate more in discussions on the GCA Forums to ask questions, contribute newsfeeds, and enrich the community. Some of the target topics are:

• Changes in the local area housing market.
• Individual experiences with mortgage rates.
• New concerns or opportunities for investment.

Upcoming Topics:

On Tuesday, January 21, 2025, we are looking for ideas for a detailed discussion on housing affordability trends 2025 and new alternative loan programs targeting first-time buyers.

Contact GCA Forums

Get the latest updates and expert opinions. Interact on our forums with other professionals, homeowners, and investors.

For more information or to provide insight, visit GCA FORUMS’ news section and through email at support@gcaforums.com.

Please tell us how we can help you with more focused news or discussions that match your interest.

Comprehensive Overview of Mortgage, Housing, Real Estate, Business, Employment, Economic, and Investment National Daily News for the Week of January 6th through 12th 2025: This Week’s Weekend Edition Summary:

NATIONAL PRESS: SPECIAL REPORT ON REAL ESTATE, INVESTMENT AND EMPLOYMENT – 2025 SUMMARY

Mortgage Sector Trends

On a Weekly and monthly basis, mortgage rates have remained constant with a small dip and are currently at the 6.35% mark for a 30-year fixed mortgage.

• As noted, the economics have always been good, which is somewhat surprising.
• On the bright side, there has been an increase in demand for short-term adjustable-rate mortgages that allow borrowers more versatility.

In States like Florida and California, nonconventional loans are on the rise.

• This is because self-employed individuals and self-seeking investors prefer them over traditional loans for flexibility.
• FHA recently proclaimed that it had altered its loan limits for 2025, which are now up to $1.2 million for places known to be expensive.
• This should help first-time investors and buyers as affordability is more likely in competitive areas.

News on House Ventures

• The recently published report on Housing shows a 2.5% month-on-month dip, which is a great concern. Active business listings were noted to decline, which is a bad sign.
• Most of this occurs in New York, Chicago, and Los Angeles.
• This may indicate some supply constraints.

Adding to the issue, the rising cost of construction and labor has worsened the lack of inventory.

Home Prices Rise Slightly

National median home prices increased by 1.2% m/m. Chambersburg, PA, and other Midwest cities, such as Columbus, OH, and Kansas City, MO, had the highest yearly growth rates.

Shift Toward Multi-Generational Housing

Rising demand for homes with distinct living areas and kitchens that allow multi-generational families to coexist is expected to increase by 18%, which reflects an emerging trend of multi-generational living.

Real Estate Trends: Commercial Real Estate Faces Headwinds

Overall, the office subsector is still struggling, with the vacancy rate above 20 percent in some major metropolitan areas, perpetuated by the hybrid work culture. However, the industrial real estate subsector continues to do well because of the expansion of e-commerce.

Luxury Real Estate Rebounds

Sales of luxurious houses valued over $3 million rose by 10 percent during the first week of January due to stock market appreciation and higher foreign investment.

Top Performing Real Estate Markets

In Phoenix, Arizona, Austin, Texas, and Charlotte, North Carolina, markets continue to exceed national averages in price appreciation and transaction volume growth.

Business and Employment News: Unemployment Rate Declines

• The national unemployment rate fell to 3.7%, which signifies a robust labor market.
• Job growth was strongest among the healthcare, tech, and construction sectors.

Job Cuts in Technology

Meta and Amazon have again announced layoffs to rein costs amid ongoing struggles to adjust to demand following the pandemic.

Small Business Improved Optimism

Eleven percent of small businesses are now confident about spending, owing to sturdy consumer purchases, which seem to have caused the Small Business Optimism Index to rise by four points.

Economic Movement Federal Reserve Indications of Stopping Rate Hikes

With inflation tapering to 4.1% from its nadir of 9.1% in mid-2022, minutes from the Federal Open Market Committee (FOMC) meeting point towards the ideal economic shadow of dwelling.

Consumer Confidence Gaining Upwards

The Consumer Confidence Index was boosted by holiday spending and wage increases, reaching its highest level since April 2023.

Performance of Stock Market

Last week witnessed tremendous stock market performance, with the tech and green energy stocks in the S&P 500 and NASDAQ gaining the most, growing by 1.8% and 2.2%, respectively.

Investment and Finance Developers REITS Showing an Upward Trend

REITs focusing on industrial properties and data centers noted considerable growth, which shows investors’ optimistic outlook on tech and logistics.

Recovery in Crypto Markets

Further boosted by renewed interest from institutional investors and regulatory clarity, Bitcoin surpassed the 100,000 dollar mark.

New Investments for Clean Energy Hit Records

This week, investment in solar and wind projects hit a record $15 billion, with new announcements from Tesla and First Solar advancing the developments.

What’s Happening Next Week: Expected Economic Reports

• Retail sales data for the year-end festive period of December 2024 will shed light on spending patterns.
• The previous month’s Consumer Price Index (CPI) report will indicate the inflationary direction into 2025.

Mortgage Applications & Rates

• Analysts expect a slight increase in mortgage applications as buyers respond to relatively stable rates and reduce affordability pressures.

Possible Legislative Developments

New housing tax credits, particularly those geared towards improving homeownership in unaffordable first-time buyer markets, will likely be debated in Congress.

These week’s activities underpin the emerging dynamics of 2025, with balanced growth in mortgage and housing markets and increased optimism in investments and the economy.

https://www.youtube.com/watch?v=ktYgkWIB4sY

GCA FORUMS NEWS UPDATE for Tuesday January 14th 2025 on the Daily Mortgage, Housing, and Real Estate News four our viewers and members of our online community: Great Content Authority Forums: Daily National Comprehensive Overview of Mortgage and Real Estate News with special emphasis on interest rates, forecast of mortgage rates, housing forecasts, consumer confidence, consumer price index, employment numbers and forecast, national economy, bankruptcy, foreclosure, and investment news. Viewers and members of GCA FORUMS are welcomed to view GCA FORUMS NEWS National Daily News Summary for Tuesday January 14th, 2015.

GCA FORUMS NEWS UPDATE

Daily Mortgage and Mortgage News

Tuesday, January 14, 2025

Welcome to GCA Forums News:

Daily National Mortgage and Real Estate Edition.

• This newsletter will summarize the most important updates in the country.
• GCA Forums News Daily Mortgage and Real Estate Edition will focus on mortgages, housing, real estate, and the rest of the economy. Without any further delay, let’s jump right to it:

GCA Forums News: Summary of Rates

Current Mortgage Rates

• 30-year fixed mortgage: 6.35% (up from 6.32% last week).
• 15-year fixed-rate mortgages: 5.65%.
• 5.25 Percent Adjustable Rate Mortgages draw in first-time applicants.

Mortgage Rate Forecast

As inflation slows, specialists forecast a slight dip in mortgage rates in the next quarter. The Federal Reserve has toned down its expectation of rate hikes for 2025, and if that is accurate, rate cuts may be feasible in the middle of the year.

GCA Forums News: National Housing Overview

US National Housing Forecast

• Median Home Prices: The average price of sold homes in the country is $396,000, an increase of 1.7% from last year.
• Sales Volume: Home sales decreased by 2.3% in December 2024.

However, sales are predicted to pick up in spring 2025.

Inventory Levels: Inventory remains tight, with a supply of only 2.8 months. This scenario underpins why home values remain steady despite the increased burden of interest rates.

Key Trends

• The persistent trend towards remote work is boosting demand for suburban markets.
• The shortage of affordable housing still poses issues for first-time buyers.

An Overview of Economic Indicators and Consumer Confidence

Consumer Confidence Index

The job market and economic security sentiments of CZE respondents increased, driving the Consumer Confidence Index to 102.7 in January.

Consumer Price Index (CPI) Analysis

CPI calculations for December indicated a monthly inflation rate of 2.3%, which is noticeable compared to previous periods but still within acceptable borders, aligning with Federal Reserve targets.

Job Market Data

• Unemployment Rate: Decrease to 4.1% on December 2024.
• Employment Gains: 256 thousand new jobs were created last month, with significant developments in construction, information technology, and healthcare employment.

Investment Happenings and the National Economy

Investments Forecast:

• The economy is expected to expand by approximately 2.5% annually from 2025 onward.
• High economic expenditures and declining inflation will support this.
• Business bankruptcy rates appear unchanged because many companies have adapted to prevailing interest rates.

Foreclosures and Bankruptcies

Foreclosure Rates: increased slightly by 1.2% in the last quarter 2024 due to elevated borrowing costs.

Real Estate Investment Outlook

• With the rise in mortgage interest rates, there has been a visible decline in the number of people buying homes.
• As a result, investors still prefer rental properties over purchased ones.
• To satisfy demand, the supply of multifamily housing construction is growing in metropolitan and suburban regions.

Key Insights for GCA FORUMS Members

Mortgage Opportunities to Consider For Homebuyers

With rising interest rates, first-time buyers can take advantage of loans like FHA and VA. These government-backed loans are a good option to consider.

Timing the Housing Market

Sales usually peak during spring, so it is wise for both buyers and sellers to strategize well in advance to take advantage of these trends.

Investment Approach

For real estate investors, multifamily properties are attractive as their rewards are still high in suburban regions.

Preparing the Consumer

• Work on improving your credit score for better mortgage interest rates.
• Always stay updated with the real estate market in your locality to plan effectively about purchasing or selling property.

Let’s talk about it!

GCA FORUMS NEWS, Mortgage and Real Estate Edition requests viewers and members to share their thoughts, concerns, and opinions about the country’s housing market and economy. Remain active, keep learning, and make sound decisions in 2025.

Don’t Miss Important Updates

We at GCA FORUMS NEWS strive to provide news about national affairs and real estate in the country. Be sure to come back tomorrow for the latest update.

One of ABC’s The View Hosts Sonny Holstein’s husband Dr. Emmanuel Holstein was arrested on RICOs racketeering charges. Dr. Holstein was charged with insurance fraud charges. Sonny Holstein was extremely vocal on Donald Trump’s felony conviction and outspoken about having a felon in the White House. A lot of vocal opinions that are not true about Donald Trump was said very often by Sonny Holstein. Sonny Holstein’s husband can be sentenced to a minimum of 20 years in federal prison, which at 56 years old, its a life sentence

The Holstein’s have two children, a 22 year old son and an eighteen year old daughter. They reside in New York.

https://youtu.be/qzOPt0ZZRLQ?si=bN1b1X0qGHwz-fUN

President-Elect Donald Trump is getting sworn in on January 20th, 2025. Less than a week left. One of President Trump’s main priorities as the Commander in Chief is going to be the NEW ELLIOT NESS 😎 and 🇺🇸 exterminate everyone who has committed private and public corruption that affected the public and the United States. Tens of thousands of criminals are expected to get investigated, charged, indicted, tried, convicted and sentenced. Nobody is against the law. This includes members of congress, judges, CEOs, Governors, and others.

https://youtube.com/shorts/RDcedVDi98c?si=la54iTDFcqRiBSUV

Why did Richard Rawlings Fast and Loud show come to an abrupt end?

Rawlings also was the owner of Gas Monkey Garage. Gas Monkey Garage was under Fast and Loud. Why did “Fast and Loud,” the show that brought us wild car makeovers and Richard Rawlings’ bold energy, come to an unexpected end? It’s hard to believe a fan favorite could vanish so suddenly. The engines fell silent, and the car world was left speechless. What led to this surprising cancellation? Join us as we dig into what really happened to this once-dominant reality TV show.

https://youtu.be/6r9tY8UeQL0?si=-iIrQ4TwC_eGlwAA

youtu.be

What Really Happened To Richard Rawling From Fast N' Loud?

Why did “Fast and Loud,” the show that brought us wild car makeovers and Richard Rawlings’ bold energy, come to an unexpected end? It’s hard to believe a fan...

GCA FORUMS NEWS UPDATE for Thursday, January 16th 2025 on the Daily Mortgage, Housing, and Real Estate News for our viewers and members of our online community: Great Content Authority Forums: Daily National Comprehensive Overview of Mortgage and Real Estate News with special emphasis on interest rates, forecast of mortgage rates, housing forecasts, consumer confidence, consumer price index, employment numbers and forecast, national economy, bankruptcy, foreclosure, and investment news. Viewers and members of GCA FORUMS are welcomed to view GCA FORUMS NEWS National Daily News Summary for Thursday, January 16th, 2025.

GCA FORUMS NEWS UPDATE Thursday, January 16, 2025

Welcome to the GCA Forum’s daily news update. Today, we prepare a broad overview of the changes in the mortgage, housing, and real estate markets. We will delve deeper into interest rates, housing forecasts, consumer confidence, employment data, the CPI report, the national economy, bankruptcies and foreclosures, and real estate investment opportunities.

Mortgage Market Update

Current Interest Rates

• 30-Year Fixed-Rate Mortgage: Average rate of 6.35%, no changes since last week.
• 15-Year Fixed-Rate Mortgage: Average rate of 5.68%.
• Adjustable-Rate Mortgage (ARM): Starting at 5.25%.

Forecast of Mortgage Rates

Morgan Stanley predicts that rates will remain stable in the following few months due to inflation’s alignment with the Federal Reserve’s target of 2 percent. We also expect that mortgage rates will begin to trend downward in the middle of the year as the Fed cuts the benchmark open market interest rates.

Housing Market Forecast

National Housing Trends

• Median Home Price: The average home price is currently set at $396,000, which is a 1.9 percent increase from last year.
• Sales Activity: Home sales were reduced by 2.4 percent in December 2024 due to increased borrowing costs. The seasonal boost during spring 2025 is similarly expected.
• Inventory Trends: The overall inventory ceiling continues to be bound by a 2.8-month supply, keeping market conditions strong for sellers.

Highlights Regionally

• Florida: Robust demand in coastal areas such as Miami and Tampa Bay keeps accelerating prices.
• California: Elongated Prices and scanty stock is still characteristic of the cities like San Francisco and Los Angeles.
• Midwest: Cheap markets like Cincinnati and Kansas City retain their allure to new entrants to the market.

Key Economic Indicators

Consumer Confidence Index

The consumer confidence index rose to 103.5 in January, reflecting optimism and expectations about stability in the economy and the job market.

Consumer Price Index (CPI report)

December CPI Report:

• Inflation decline on an annualized basis was recorded at 2.3 percent, with expectations of further progress in stabilizing prices.
• Food prices were stable, contributing to the spurge in CPI primarily from housing and energy prices.

Employment Statistics

Unemployment Rate:

• Remained at 4.1% in December.

Job Creation:

• The infrastructure, healthcare, and technology industries grew, adding 256,000 jobs to the US economy last month.

Statistics on bankruptcies and foreclosures

Business bankruptcies have moderated due to easing inflation and a resilient labor market.

Personal bankruptcies have increased slightly due to the persistent headwinds of high interest rates and debt levels.

Foreclosure Statistics:

• Tough economic conditions led to an increase in the proportion of mortgages originating at 1.3 in Q4 2024 and further increases in delinquencies and affordability, compelling economic conditions.
• Foreclosures are more pronounced in high-cost areas.
• Think of California, New York, or Illinois – these are the places where foreclosures are most common.

Investment and Real Estate Opportunities

Real Estate Investment Trends

• Investors are moving towards rental housing, considering the high demand.
• The most sought-after tourist destinations continue to provide massive returns through short-term holiday rentals.

Strategies To Employ For 2025

• Buyers: Locking in current rates to prevent increases.
• Sellers: Maximize the property’s value by taking advantage of limited inventory.
• Investors: Shift your attention to emerging markets and look for income-generating properties.

What THIS Means For GCA FORUMS Members

Key Takeaways

Rates are stabilizing, which should be a sigh of relief for Buyers and those trying to refinance.

Challenges still exist regarding housing market inventory. However, buyers who are properly prepared should not face any major issues.

Moderated inflation with a steady job market gives a positive backdrop for real estate investment opportunities.

Stay Connected with GCA FORUMS

We encourage every viewer and member to contact each other, ask questions, and initiate conversations about current mortgage trends, the housing market, and the economy. We encourage all members to use confidence, and together, we will navigate the ever-changing world of real estate.

Thank you for reading our update. Please reach out tomorrow for more news and deeper insights.

Comprehensive National Daily Headline News for Thursday, January 16th 2025, with a special detailed update of California Pacific Palisades Fire, Unemployment, Economy, Bankruptcy, and Politics. Life is celebrated when folks get a fresh start. Starting Thursday, January 16, 2025, we will focus on national news, such as the Palisades Fire in California. GCA Forums National Headline News needs to update our viewers about National Headline News on the economy and business news. CPI report, unemployed, job numbers, inflation, interest rate forecast, corruption, the mainstream media, bankruptcies, and cabinet confirmations in politics.

GCA Forums National Headline News Update January 16, 2025

Throughout the area covered in GCA Forums, the update for today is January 16, 2025. The topic being reported on today is the current events related to the California Pacific Palisades Fire, state economic indicators, issues like unemployment, bankruptcies, inflation, and cabinet confirmations in politics. We aim to provide our audience with national interest news with the most recent changes shaping the nation.

California Pacific Palisades Fire

Cumulatively, the Palisades Fire, which has been burning around Los Angeles, California, since January 7, 2025, has caused massive destruction in the area.

Scope of Damage:

14% containment as of January 15, and over 23,700 acres burned.

Impact on Residents:

Over 200,000 residents have been dispossessed, at least 25 lives have been lost, and 12,000 structures have either been damaged or destroyed.

Cause and Efforts:

Investigations continue concerning the cause of the fire, but initial reports describe power line failures that match the region’s low humidity. Firefighters, aided by aerial units, attempt to battle the blaze, marking difficult conditions.

Weather Updates:

A Red Flag Warning is currently in effect, and strong winds further assist the humid region-aided fire, making containment efforts a nightmare.

Economic Indicators and Business News

U.S. Consumer Price Index (CPI) and Inflation

The U.S. economy created 256,000 jobs in December, a supra-expectation job growth rate that indicates a resilient labor market. The unemployment rate is steady at 4.1. Significant growth has been registered in the technology and health sectors.

Interest Rate Forecast

The Federal Reserve will likely maintain interest on the current rate levels in early 2025. However, if inflation stabilizes, cuts will be made by mid-year.

Political Developments

The confirmation process for key cabinet positions is still underway in this new administration. Several political disagreements have delayed some of the high-profile appointments.

Corruption Allegations

Widespread media coverage of several ongoing investigations has recently heightened the scrutiny of political corruption. Like many before, these allegations have reignited civil society’s demand for greater transparency and accountability.

Mainstream Media and Public Discourse

It is still a contested issue how the media facilitates the formation of public opinion, with favoritism and balance of reporting being a core concern for the country and the most recent discussions.

Key Takeaways for GCA Forums Viewers

Housing Market:

Even as foreclosure levels rise, the shortage of homes for sale keeps home values elevated. Potential buyers should watch for opportunities to refinance when interest rates decline.

Economic Outlook:

Thanks to the robust job creation rate and tame inflation, the economy is off to a healthy start in 2025.

Political Landscape:

Pay attention because more critical matters in Washington will mold the economic and social policies for the coming months.

Thank you for joining us for GCA Forums’ National Headline News on January 16, 2025. Make sure you subscribe for more in-depth coverage of the most crucial topics.

GCA FORUMS NEWS UPDATE for Wednesday, January 15th 2025 on the Daily Mortgage, Housing, and Real Estate News for our viewers and members of our online community: Great Content Authority Forums: Daily National Comprehensive Overview of Mortgage and Real Estate News with special emphasis on interest rates, forecast of mortgage rates, housing forecasts, consumer confidence, consumer price index, employment numbers and forecast, national economy, bankruptcy, foreclosure, and investment news. Viewers and members of GCA FORUMS are welcomed to view GCA FORUMS NEWS National Daily News Summary for Wednesday, January 15th, 2015.

GCA FORUMS NEWS UPDATE WEDNESDAY, 15TH JANUARY 2025

We welcome you to the Great Content Authority Forums (GCA FORUMS) Daily News Update. This issue examines the most recent changes in the mortgage, housing, and real estate markets. Our peculiar focus incorporates construction costs, economic forecasts, and consumer confidence, followed by CPI reports, employment statistics, bankruptcies, foreclosures, and investment news, including so much more. Let us now turn to some specifics – the metrics influencing the U.S. economy and the housing market.

Mortgage Market Update

Interest Rates

30-year fixed-rate mortgage: average rate at 6.37%, a slight increase from the previous week.

• 15-year fixed-rate mortgage: average rate at 5.68%
• Adjustable-rate mortgage (ARM): starting at 5.30%.

Forecast on mortgage rates

• Some analysts expect that by the middle of 2025, the mortgage rates will slightly soften as inflation clenches and the Fed infers fewer hikes on the target for the year.
• If further inflation figures remain in step with the Fed’s toleration, this will provide some comfort for potential buyers, as the rates will be easy to understand.

Housing Market Forecast

National Trends

In the last quarter of 2023, median home prices available at the national level were $396.000, which implies a 2.1% growth compared to the previous year.

Sales volume:

• Home sales reduced by 2.3% in December 2024. This can be attributed to borrowing costs.
• It is seen to have some anticipated recovery performance in the spring selling season.

Inventory Levels:

• The persistent low inventory favors sellers across most markets, with a supply of slightly over 2 months.

Regional Highlights

Florida:

• Demand is notably higher in coastal regions, with particularly strong price growth in Miami and Sarasota.

California:

• Urban areas, including San Francisco and Los Angeles, still grapple with low inventory and high prices.

Midwest:

• Existing housing markets like Indianapolis and Kansas City remain popular with new entrants.

Economic Indicators

Consumer Confidence Index

• With January’s Consumer Confidence Index now at 103.2, this suggests a more positive perception of the job market and economic prospects than a few months ago.

Consumer Price Index (CPI)

• The inflation rate highlighting the gap between the price of goods in the December 2023 and. the December 2024 quarter has grown to 0.2%, bringing the total annual inflation rate to 2.3%.
• This is, however, closer to projections made by the Federal Reserve.
• Increased energy spending and moderate increases in housing expenses are some of the factors contributing to the CPI increase.

Employment Numbers

Unemployment Rate:

• The rate was unchanged at 4.1% in December.

Job Gains:

• Economically, 256,000 jobs were created this month, and there was significant expansion in construction, healthcare, and business services.

Bankruptcy and Foreclosure Trends

Bankruptcies

• Due to reduced inflation and a strong job market, business bankruptcies continue to be at a fairly constant level.
• However, there have been some increases in individual bankruptcies as many people adjust to the increased cost of borrowing.

Foreclosures

Putting your home on the market:

• The rate steadily increased to 1.3% in Q4 2024, primarily because of rising interest rates and affordability issues.
• High-cost states such as California and New York have the highest foreclosures.

Investment and Real Estate Opportunities

Investing in real estate

• The demand, which had previously been suppressed, is now pushing up the value of multifamily rental properties.
• The short-term rental market continues to thrive in popular holiday spots.

Market Focus for 2025

Buyers:

• If rates seem to rise further, try to lock in rates early.

Sellers:

• Low supply and high demand make it advantageous to sell the property now, so take the deals.

Investors:

• Concentrate on cost-effective rental properties and regions with rapid population increase.

What It Means for GCA FORUMS Members

Key Takeaways

Interest Rate:

• It is clear that rates are still high and have likely stabilized for now.
• Speak with lenders about locking in a fixed rate in the future.

Housing Shortage:

• Despite inventory shortages, developing a strategy can help buyers and investors.

Economic Forecast:

• A strong job market paired with low inflation is a good area for real estate movement.

Remain Updated and Active

We would like to encourage all the clappers and GCA FORUMS members to contribute to the discussion by providing comments or inquiries regarding changes within the mortgage, housing, and real estate industry. Your talk with us goes a long way in aiding us in creating an informed community.

Thank you for joining me for this update. Please come back tomorrow for more news, expert opinions, and analysis.

People normally hear about the nasty people in the media.

The public normally don’t hear about the true heroes in life. Generous humble people who help others from the kindness of their hearts and not for selfishness or they help because they expect something back on return. Barron Trump is one of those people. Barron Trump was raised the right way by First Lady Melania Trump and President Donald Trump.

Humble waiter explore his experience when he serves the son of a president. He gets emotional on realizing a note Barron left at table. The story show the power of being humble and kind to everyone regardless of their situation.

https://youtu.be/mAFfbxsUqzw?si=QgYaXVk-Mb3O_Tqh

Comprehensive National Daily Headline News for Wednesday, January 15th 2025, with a special detailed update of California Pacific Palisades Fire, Unemployment, Economy, Bankruptcy, and Politics. Life is celebrated when folks get a fresh start. Starting Wednesday, January 15, 2025, we will focus on national news, such as the Palisades Fire in California. GCA Forums National Headline News needs to update our viewers about National Headline News on the economy and business news. CPI report, unemployed, job numbers, inflation, interest rate forecast, corruption, the mainstream media, bankruptcies, and cabinet confirmations in politics.

GCA Forums News: National Headline News Update: Wednesday, January 15, 2025

New beginnings mean life is celebrated when people put their best foot forward. From today, we shift our attention to the national headlines which also feature a story on the Palisades Fire in California.

California Pacific Palisades Fire

The Palisades Fire, which started on January 7, 2025, in the Pacific Palisades area of Los Angeles, has grown due to dry conditions and more intense Santa Ana winds. The fire is now roughly 14% contained. As of January 13, it reportedly consumed approximately 23,713 acres.

The wildfire has killed 25 individuals, and this figure is only expected to rise. Over 200,000 individuals have been displaced, and over 125041 structures have been damaged or destroyed.

Due to the strong easterly winds, higher fire conditions, and low relative humidity, a Red Flag Warning is valid until January 15 at 6:00 pm PST.

Residents have been asked to comply with evacuation protocols and follow the relevant authorities’ instructions.

Economic Indicators

Employment and Unemployment

In December, the United States economy was very positive, as it created 256,000 new jobs, much higher than the 164,000 jobs that were forecasted. The unemployment rate dropped from 4.2% to 4.1%, which is a good indicator for most as it shows a strengthening job market.

Inflation And Interest Rates

Inflation gradually returns to the Federal Reserve’s target of around 2%. To combat earlier inflationary pressures, the Federal Reserve raised its benchmark interest rates 11 times in 2022 and 2023, the highest rate in 20 years. Because inflation is beginning to ease, the Fed is only expected to implement two rate cuts in 2025.

Economic Growth

The projections regarding GDP suggest that the US economy will overachieve in 2025, with USD expected to grow from the current figure by 2.5 by the end of the year. The positive outlook stems from a gradual rise in consumer spending and strong labor market performance.

Bankruptcies and Business Climate

Limited statistics exist regarding recent bankruptcies, but the overall economic outlook indicates some strength. The labor market’s resilience, accompanied by moderated inflation, makes business conditions more favorable, and there could be fewer chances of bankruptcies.

Political DevelopmentsCabinet Confirmations

As the new government assumes office, the confirmation of certain cabinet posts is ongoing. This is important for achieving the policy goals set forth and ensuring that all government departments are functioning properly.

Corruption and Media Scrutiny

People around the world are worried about corruption. Traditional media is busy looking into and covering all the allegations that have been made. Such attention is crucial for ensuring that public institutions are open to scrutiny.

Stay Informed

We urge our viewers to follow up on these events because they affect us all. For further developments, keep in touch with credible media and formal statements.

GCA forums aim to disseminate reliable and useful national news to keep the public well informed.

Comprehensive Overview of National Headline Daily News for the Week of January 6th through the 12th 2025: The Summary of This Week’s Weekend Edition Summary with the Latest on the Pacific Palisades Wildfire in Southern California, the latest updates on President Elect Donald Trump’s agenda, plans, and changes, the Federal Reserve Board, the exit of Joe Biden and Kamala Harris, and other important headline news for the week. Also, what we are going to expect this coming week.

Full Summary of Mortgage, Business, Employment, Economic, and Investment Daily National News:

From 6th to 12th January 2025:

Weekend Edtion Highlights

***Adjustable-Rate Mortgages: ARMs Rates Capped: Economy Dips***

• Due to fluctuating economic activity, the 30-year fixed mortgage loan rate averages 6.35%.
• The weighted average cost for adjustable-rate mortgages (ARMs) moved down.
• This indicates that consumers are choosing to refinance at a higher rate more often than lenders can provide these options.

***Investors and self-employed people prefer Non-QM Loans***

• Non-QM loans are gaining popularity from self-employed folks and investors seeking more financing options.
• Especially in states like Florida and California.

***FHA Loans are on the rise***

• FHA increased high-cost zone loan limits for areas exceeding $1,200,000 in 2025.
• This increase is anticipated to enable first-time homebuyers to purchase a home in a highly competitive housing market.

***Insights on Improvement in the Housing Market***

• There has been a 2.5% decrease in active listings relative to the preceding month’s figure.
• Unfortunately, supply constraints remain most severe in metro areas.
• This includes New York City, Los Angeles, and Chicago.
• Labor shortages coupled with increasing construction expenses are worsening this inventory problem.

Home Prices Rise Slightly

• The national median price of homes increased by 1.2% month over month.
• Midwest cities such as Columbus, OH, and Kansas City, MO, showed the most prominent year-over-year growth.

Shift Toward Multi-Generational Housing

• This increasing trend of multi-generational living is impacting how houses are built.
• The demand for units with two kitchens and separate living spaces has risen by 18%.

Real Estate Trends Commercial Real Estate Faces Headwinds:

• As remote work continues, the office segment has not performed well.
• The vacancy rate is constantly above 20% in big metropolitan regions.
• However, the industrial real estate sector continues to be buoyed by the growth of e-commerce.

Luxury Real Estate Rebounds

• The new year started strong, with sales of luxury homes.
• Especially those priced at more than 3 million dollars, seeing an increased demand of 10% in the first week of January.
• This was driven by increased investment from abroad and improved stock market conditions.

Top Performing Real Estate Markets

• The real estate markets in Phoenix, AZ, Austin, TX, and Charlotte, NC, have higher volume and price appreciation than the national average.

Business and Employment News Unemployment Rate Declines

• The country’s unemployment rate fell to 3.7%, clearly showing a strong labor market.
• The health, tech, and construction sectors saw the strongest job growth.

Layoffs in Tech

• Companies like Meta and Amazon announced additional layoffs, citing cost-cutting and adjusting to post-pandemic demand changes as the reasons for the cuts.

Small Business Optimism Improves

The Small Business Optimism Index rose 4 points, signifying confidence in the new consumer entity, which is expected to improve inflation.

Economic Developments

Federal Reserve Signals Pause on Rate Hikes:

• According to the FOMC meeting minutes, a rate hike is unlikely.
• This is because inflation decreased to 4.1% from 9.1% mid-last year.

Consumer Confidence Up

• The Consumer Confidence Index increased due to wage growth and holiday spending, finally posting its highest level shift since April 2023.

Stock Market Performance

• Green energy and tech stocks led gains.
• The NASDAQ and S&P 500 stocks increased by 2.2% and 1.8%, respectively.

Investment and Financial News

Real Estate Investment Trusts (REITs) on the Rise:

• Investor optimism in the logistics and tech sector led to REITs owning industrial and data center properties posting strong gains.

Crypto Markets Recover

• With renewed interest from institutions and regulatory shards bolstering confidence.
• Bitcoin’s value jumped above 100,000 dollars.

The Investment in Renewable Energy Grows Herring

• This week, investments in wind and solar projects hit an all-time high of $15 billion.
• This increase is largely due to recent announcements made by First Solar and Tesla.

Market Predictions for the Coming Week

Expectations in Economic Reports:

• Retail sales data will be useful during the holiday season 2024 and paint a clear picture of holiday spending changes.
• The CPI report will reveal December’s inflation rate, which will help estimate the inflation rate 2025.

Mortgage Applications and Rates

• Mortgage application is estimated to experience moderate growth.
• This is due to buyers easing their financial expectations and stable rates.

Potential Legislative Actions

• A new legislature is set to debate the new housing credit.
• This has been introduced to boost the housing market for first-time buyers.
• This week witnessed strong performance, encouraging results in the mortgage and housing sectors.
• There is optimism visible across the greater investment and economic environment.

Comprehensive Overview of National Headline Daily News From 6 To 12 January 2025:

Weekend Edition:

Summary With The Most Recent Information:

• Regarding The Pacific Palisades Southern California Wildfire.
• President-Elect Donald Trump’s Plans And Changes.
• Federal Reserve Board Member Benefits.
• The Month And Year Joe Biden And Kamala Harris Leaving Office.
• Other Significant Head People News From The Selected Week.
• Additionally, What We Anticipated For The Subsequent Week

FEMA financed personnel and equipment and gave federal approval. Inga suitcase canister turning random oblique ring Newadiens surveil this impact.

• Investigators are corroborating the story, with initial information raising the possibility of power lines disqualification.

Policy Announcements

• Trump talked about the most important plans in an off-the-record meeting with the head of the next round invited to his press release:

Immigration Reform

• Renewed commitment to border security.
• This includes reinstatements from his earlier presidency.

Economic Stimulus:

• A “Middle-Class Recovery Act” that aims to cut taxes and strengthen the economy by increasing the number of small businesses.

Healthcare Overhaul:

• Repeal key provisions of the Affordable Care Act while simultaneously expanding Health Savings Accounts (HSAs).

The US Military

• Trump pledged a return to American values.
• He prioritized military readiness, manufacturing jobs, and energy independence and gave a speech in Florida emphasizing these areas.

Updates from the Federal Reserve Board

• Jerome Powell hinted that the Fed will adjust the chair’s interest rate for the first time during the new normalization period.
• Inflation stabilization and housing market stagnation are often cited as the causes of this rate shift.

Economic Growth Concerns

• According to the minutes from the Fed’s last meeting in December.
• There are worries regarding the economy contracting after the holiday customer spending boom.

Market Reaction

• The Dow Jones index increased by 2.1 at the end of the week.
• The increase was driven by more positive earnings reports and speculation over the Fed’s upcoming decision to change its monetary policy.

Joe Biden and Kamala Harris Take Their LeaveFarewell Address:

For one last time, President Joe Biden addressed the people of America and emphasized the following main points:

• Reduction in unemployment to historic lows.
• Passage of landmark infrastructure and climate legislation.
• As Vice President Kamala Harris puts it, all these reasons are enough to ponder her remarks regarding unifying and moving forward into civilian life.

The Transition of Power:

• Joe Biden’s presidential advisors are working directly with Trump’s group to ease the power shift and concentrate on security and economic stability in the USA.

Other National Headlines

Supreme Court Decisions:

• The Supreme Court has decided not to take a case against state abortion bans.
• Thus keeping the controversial laws.
• A very important decision regarding affirmative action in college admission policies will also be made in a few days.

Severe Weather Across The Midwest

• The Blizzard has severely impacted travel and power supply in the Midwest.
• The Blizzard took over the Midwest, canceling over 1,500 flights and shutting down service in 200,000 homes.

Healthcare Strikes

• California and New York nurses and healthcare personnel went on strike over wages and the understaffed population.
• This puts pressure on the hospital systems to take immediate action.

What Have We To Expect On The Followed Date

Political Movements

• On his first day in office, Trump will announce an Executive Order.
• He will sign it on his inaugural day and finish outlining his cabinet appointments.
• A temporary funding bill is on Congress’s agenda to prevent the government from halting operations.

Econometric Data

• The CPI index for December is due to be published.
• This should shed some much-needed light concerning inflation.
• Based on previous records, strong retail consumer spending is predicted during the festive season.

Containment progress of the wildfire

• The Pacific Palisades firefighting will pick up.
• This is because the US government is expected to start and allocate further resources for warfare.

Watch the Supreme Court

• The military court will likely pass rulings on immigration and voting rights legislation pending case reviews.

Weather Predictions

• The arctic temperatures will shift this upcoming week, affecting big city populations such as Chicago, Detroit, and New York.
• This week’s events included economic optimism, political transition, and environmental catastrophe.

Significant changes in policies and markets and contagious recovery efforts in different parts of the country are expected in the upcoming days.

https://www.youtube.com/watch?v=EAHzD37g_6E

• This discussion was modified 1 month, 2 weeks ago by  Gustan Cho.

This video clip is funny. Pranking a guy until he literally goes nuts.

https://www.facebook.com/share/r/Z1LV4FFvHHBExZ2A/?mibextid=D5vuiz

facebook.com

Please HOLD 📞 | Billy Rosewood IV | you_funny_fooker · Original audio

Please HOLD 📞. you_funny_fooker · Original audio

About time

Home prices in Chicago South Loop are plummeting. Sellers are lowering prices and offering incentives. This correction is continuing throughout the city and Suburbs. Expect the downturn to continue in Chicago and other cities. Stay tuned

What is domain authority and domain rankings. What is Spam score and back link? What are toxic back links?

I am paying $950 a month in child support. How can I get a mortgage with that high payment?

Is Kamala Harris the best candidate The Democrats have to face former President Donald Trump for 2024 Presidential Election? Are the Democrats that desperate of having a semi-descent candidate for President? Do Democrats think the American people are that stupid? Do Democrats need to name Kamala Harris, the person who slept her way up the political latter? Kamala Harris slept with former San Francisco Mayor Willie Brown to kick off her political career. Kamala Harris is not too smart. Many people cannot believe how she even became a lawyer let alone District Attorney of San Francisco, Attorney General of California, United States Senator, and Vice President of the United States. Now she is running for President? OMG. What has Kamala Harris ever achieved in her political career. Watch this video clip about Kamala Harris.

https://www.youtube.com/live/RcsRfo16ZC8?si=gFA0rsAlw8iu0KLU

How is the National Realtor Association ruling affect real estate agents making money especially buying agents. Thank you in advance.

What is PROJECT 2025? It’s all over the news. Is Project 2025, Donald Trump Creation? What does the Republicans have to do with Project 2025? Why are the Democrats and Kamala Harris criticizing Trump for Project 2025. What ate the basis and main points of Project 2025. Trump is denying he has anything to do with Project 2025. Who was the founder of Project 2025.

https://youtu.be/1ru480PIpdE?si=sBgyaTN_6b7EhI01

In the 2024 election cycle, ex-President Donald Trump chose J.D. Vance, a senator from Ohio, to serve as his running mate. With this announcement now complete, the Republican ticket for President includes:

• Vance in recognition of his Marine Corps and business record.
• Strong backing for Trump over the past few years.
• Being an outside-the-beltway populist.

Once a vocal opponent of Trump’s candidacy during the 2016 primaries (​The Hill)​ , Vance’s subsequent about-face made him one of the then-president’s most stalwart defenders throughout various legal battles. According to the News Team at GCA FORUMS, this pick is projected to generate even more enthusiasm around Trump’s campaign.

https://www.youtube.com/watch?v=-3s4ezgFaUE

WHAT IS QC AND WHY IS QC MORTGAGE UNDERWRITING AFTER A CLEAR TO CLOSE?

What factors determine a REFINANCE mortgage rate other than an individual’s credit score?

What are the benefits of getting pre-approved when house hunting?

Home prices have skyrocketed between 2019 and today in 2024. You don’t have to be a rocket scientist or a genius to know what goes up fast generally comes down. Real Estate have always gone up over time and is considered a very safe investment. However, the safe investment part is that real estate generally goes up over time. Any investment that soars 100% or more over a period of five years will come down to make a correction. Here are the top states where Home Prices will crash in 2024 going into 2025. This is not saying that Home prices will remain low forever. However, due to the fast huge increase in Home prices in such a short time span, you will see a housing correction. It’s brewing now. High mortgage rates and high home prices is yielding high inventory, longer time on the market, price reductions, and sales prices substantially under listed market prices. Here are the top States you can expect Home Prices to CRASH in 2024 into 2025:

5. Washington

4. California

3. Colorado

4. Texas

5. Florida

Please watch the attached informative video clip:

https://youtu.be/bgwWJYEMsNw?si=ekT2NHaYvhfCrPnI

Shots were fired at former President Donald Trump campaign rally this afternoon grazing the former President by his ear breaking his skin to make him bleed. There are no details about the shooter and how many people were involved. We have no news whether the gunman is caught or still at large. Once shots were fired, Secret Service Agents swarmed the podium for cover of Former President Donald Trump. Trump was whisked away by a team of Secret Service Agents into a black SUV for safety and medical assistance. Trump gave a fists up to relay he was alright to his supporters. From the look of things, former President Donald Trump seems not injured except for a graze by his ear but was bleeding. Excellent news is former President Donald Trump is safe and in good hands with the protection of the U.S. Secret Service. Me and members of GCA FORUMS will keep our members posted on any updates.

https://www.youtube.com/live/iYeUO1K5H9A?si=cLpX4PmNhKkNOust

• This discussion was modified 7 months, 2 weeks ago by  Harlan.

What does DEFUNDING the POLICE exactly mean? Why is Kamala Harris such a huge proponent and supporter of DEFUNDING THE POLICE. Why did Kamala Harris aggressively support the DEFUNDING THE POLICE movement after the George Floyd killing by Minneapolis POLICE. Why was Kamala Harris the biggest supporter of DEFUNDING THE LOS ANGELES POLICE DEPARTMENT by Los Angeles Mayor Garcetti. Los Angeles Mayor Eric Garcetti proposed of cutting the Los Angeles Police DEPARTMENT budget by $150 million dollars and Kamala Harris, at the time the United States Senator from California was Eric Garcetti’s biggest supporter. We don’t need a Presidential candidate who is anti-law enforcement and who doesn’t care about fighting crime. Kamala Harris is a joke. An international disgrace who is a disgusting example of a human being.

https://youtu.be/Cdd3XQv8LRc?si=kml_bvcjcCqHS4Bs

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

How are the housing prices and cost of living in Utah? What are the average home prices in Utah? What are home prices in Utah compared to other states in the nation? Have home prices in Utah skyrocketed like other states? Are people priced out of the housing market in Utah like they are priced out of the housing market in California? Is buying a house in Utah a good investment?

I have a couple who want a cash-out refinance loan on an owner-occupied property that is completely paid off. However, they have a Chapter 12 bankruptcy that was discharged a little over a year ago. Has anyone else experienced this situation and have advice on potential options for them? Thanks!