Jimmy, pleasure meeting with you and speaking with you. Always wanted to create a national platform catering to various nationalities of Gustan Cho Associates. Grateful having you launching the Latin-American Chapter of Gustan Cho Associates and Online Business Solution. Lets brainstorm on business owners, independent contractors, third party vendors, and third party professionals and fellow Associates can benefit from your services and if Business Online Solution can be an the power dynamics and force of taking business and profession to the next level.

Very Best

Gustan Cho NMLS 873293

https://www.onlinebusinesssolution.org

onlinebusinesssolution.org

Online Business Solution

Online Business Solution

GCA Forums News For Saturday, May 2, 2026: Weekend Edition

GCA Forums Weekend News Report: Mortgage Rates, Housing Pain, Inflation Shock, Gold Surge, Wall Street Bubble, and Political Firestorms for May 2, 2026

GCA Forums Weekend News covers mortgage rates, housing affordability, inflation, gold, stocks, foreclosures, politics, and America’s money crisis.

GCA Forums Weekend News For May 2, 2026: Mortgage Rates-Housing-Inflation

Topics covered on this weekend edition of GCA Forums News

GCA Forums News, weekend mortgage news, mortgage rates today, housing market news, housing affordability crisis, foreclosure news, inflation news, gold prices today, silver prices today, stock market news, mortgage lending market, real estate market, FHA loans, VA loans, non-QM loans, Gustan Cho Associates, no lender overlays, bad credit mortgage, homebuyer news, financial news for homeowners.

GCA Forums Weekend News Report: Mortgage Rates, Housing Pain, Inflation Shock, Gold Surge, Wall Street Bubble, and Political Firestorms for May 2, 2026

America woke up this weekend to expensive groceries, stubborn mortgage rates, record stock indexes, rising foreclosure filings, and a housing market still locked out of reach for working families.

The Weekend Lead: America Is Expensive, Mortgages Are Tight, And Homebuyers Are Tired

America enters the weekend of Saturday, May 2, 2026, with a brutal message for working families: housing is still expensive, mortgage rates are still elevated, inflation is heating up again, gold and silver remain on fire, and Wall Street is partying while many households are struggling to pay basic bills.

This is exactly why GCA Forums News, powered by Gustan Cho Associates, needs to be more than another boring mortgage blog. It needs to become the weekend news desk for real people: homebuyers, homeowners, renters, real estate agents, mortgage loan originators, investors, veterans, self-employed borrowers, and families who feel like the economy is moving against them.

Mortgage rates are not crashing. Home prices are not becoming affordable fast enough. Foreclosures are rising from pandemic-era lows.

Consumer confidence is weak. Inflation is back in the headlines. The stock market is still flashing record numbers, but the average American is asking a much simpler question:

Can I still afford a house, food, gas, insurance, taxes, and a normal life?

That is the story this weekend.

Mortgage Rates Today: The 6% Wall Is Still Blocking Homebuyers

30-Year Mortgage Rates Are Still Hovering Near The Pain Zone

The national mortgage market is still stuck near 6%. Freddie Mac reported that the 30-year fixed-rate mortgage averaged 6.30% as of April 30, 2026, up from 6.23% the week before.

For a first-time homebuyer, a higher mortgage rate can mean a lower approval amount, a higher monthly payment, more debt-to-income ratio pressure, and fewer homes that fit the budget.

The 15-year fixed-rate mortgage averaged 5.64%, also higher than the prior week. That is not a mortgage rate crash. That is not a buyer-friendly breakout. That is a rate environment where every quarter-point matters.

Why Mortgage Rates Are Not Falling Fast Enough

Mortgage rates are being pulled by the same forces crushing affordability: inflation, Treasury yields, Federal Reserve policy, oil prices, global risk, and investor demand for mortgage-backed securities.

The Federal Reserve held its benchmark rate steady at 3.50% to 3.75% on April 29, 2026, in a divided decision, with inflation concerns still front and center.

That matters because mortgage rates do not move directly with the Fed funds rate, but the Fed’s inflation fight affects bond markets, Treasury yields, mortgage-backed securities, and lender pricing.

GCA Forums Mortgage Angle: Rate Alone Is Not The Whole Story

Many borrowers are obsessed with interest rates, but the full mortgage approval picture also includes credit scores, debt-to-income ratios, down payment, reserves, employment history, loan type, property type, and lender overlays.

This is where Gustan Cho Associates can stand out.

Many borrowers are not denied because FHA, VA, USDA, conventional, or non-QM guidelines automatically reject them. They are often denied because lenders add stricter in-house rules, called lender overlays.

Gustan Cho Associates has built its national reputation around helping borrowers who were turned down elsewhere, especially borrowers with credit challenges, high debt-to-income ratios, recent late payments, bankruptcy, foreclosure, self-employment income, VA loan issues, FHA manual underwriting needs, and non-QM scenarios.

Housing Market Weekend Watch: Buyers Are Moving, But Affordability Is Still Broken

Pending Home Sales Improved, But The Market Is Still Sluggish

The National Association of REALTORS reported that pending home sales increased 1.5% in March 2026 from the prior month, but were still down 1.1% year over year.

That is the perfect snapshot of today’s housing market.

There is buyer interest. There are still people trying to purchase homes. But affordability, mortgage rates, low inventory in many markets, insurance costs, taxes, and household debt are keeping the real estate market from breaking wide open.

Homebuyers Are Not Dead — They Are Exhausted

This market is not dead. It is tired.

Buyers are tired of losing homes. Sellers are tired of waiting. Realtors are tired of low transaction volume. Mortgage loan officers are tired of rate shoppers who cannot qualify. Families are tired of watching the American dream feel more expensive every month.

That Is Why GCA Forums News Should Use Stronger Consumer-Centered Headlines Such As:

• “The Housing Market Is Not Crashing — It Is Squeezing The Middle Class.”
• “Homebuyers Are Still Shopping, But Affordability Is Crushing Their Confidence.”
• “Mortgage Rates Near 6.30% Keep Spring Homebuying Under Pressure.”

Foreclosure Alert: The Pressure Is Building Behind The Front Door

Foreclosure Filings Jumped In The First Quarter Of 2026

ATTOM reported that 118,727 U.S. properties had foreclosure filings in Q1 2026, up 6% from the prior quarter and up 26% from a year earlier. Foreclosure starts rose 20% year over year, while bank repossessions climbed 45%.

This does not mean America is back in a 2008-style foreclosure crash. But it does mean financial pressure is building for some homeowners.

Why Homeowners Are Feeling The Squeeze

The biggest pressure points are not just mortgage payments. They include property taxes, homeowners’ insurance, HOA dues, credit card debt, car payments, student loan payments, medical bills, and the high cost of everyday living.

Many homeowners who bought during higher-rate years have fewer refinance options. If home values soften in certain markets, some owners may not have enough equity to refinance, sell comfortably, or consolidate debt.

GCA Forums Mortgage Angle: Distressed Does Not Always Mean Done

A homeowner behind on payments may still have options. Depending on the situation, those options may include loan modification, repayment plan, forbearance review, sale before foreclosure, cash-out refinance if equity exists, non-QM refinance, reverse mortgage for eligible seniors, or housing counseling.

GCA Forums should not scare readers just to get clicks. The better strategy is to grab attention, explain the risk, and guide people toward action before it is too late.

Inflation Is Back In The Headlines: The Cost Of Living Is Still The Real Monster

Inflation Is The Silent Mortgage Killer: Why Buyers Can Qualify And Still Feel Broke.

PCE Inflation Hit 3.5% In March 2026

The Federal Reserve’s preferred inflation gauge, the Personal Consumption Expenditures Price Index, rose 3.5% year over year in March 2026, up from 2.8% in February.

The BEA also reported that personal income rose 0.6%, disposable personal income rose 0.6%, and personal consumption expenditures rose 0.9% in March.

That means consumers are still spending, but inflation is eating into the household budget.

Why Inflation Matters To Mortgage Borrowers

Inflation affects mortgage borrowers in several ways. It can keep mortgage rates elevated. It can reduce buying power. It can increase insurance premiums, taxes, utility bills, food prices, gas prices, and construction costs. It can also make debt-to-income ratios harder to manage.

A borrower may qualify on paper, but the real question is whether the payment is comfortable after groceries, fuel, childcare, health insurance, credit cards, car payments, and emergency savings.

Jobs And Unemployment: The Labor Market Looks Stable, But Workers Still Feel Shaky

Unemployment Was 4.3% In March 2026

The U.S. Bureau of Labor Statistics reported that total nonfarm payroll employment increased by 178,000 in March 2026, while the unemployment rate was 4.3%.

On the surface, that looks stable. But workers are still worried because prices are high, layoffs are uneven by industry, federal government employment has declined, and many households are using debt to keep up.

The Mortgage Angle: Income Stability Matters More Than Headlines

For mortgage approval, lenders do not just look at the national unemployment rate. They look at the borrower’s actual job history, income stability, overtime, bonus income, commission income, self-employment income, gaps in employment, and likelihood of continuance.

That is why borrowers should get fully reviewed before shopping for homes. A pre-approval letter is only as strong as the income calculation behind it.

Consumer Confidence Is Ugly: Americans Feel Worse Than Wall Street Looks

Consumer Sentiment Fell To 49.8 In April 2026

The University of Michigan’s final April 2026 consumer sentiment index was 49.8, down from 53.3 in March.

This is a major warning sign for the real economy. The stock market may be hitting records, but consumer sentiment shows many Americans are worried about the future.

Why This Matters To Housing

Housing is emotional. People buy homes when they feel stable, confident, and secure. When consumers feel squeezed, they delay buying, rent longer, move in with family, postpone upgrades, or wait for rates to fall.

That can hurt real estate agents, mortgage companies, title companies, appraisers, inspectors, builders, furniture stores, moving companies, and local economies.

Stock Market Weekend Report: Records On Wall Street, Stress On Main Street S &P 500 And Nasdaq Hit Records While The Dow Slipped

On Friday, May 1, 2026, the S&P 500 rose 0.3% to 7,230.12, and the Nasdaq rose 0.9% to 25,114.44, while the Dow Jones Industrial Average fell 0.3% to 49,499.27.

The market is supported by technology stocks, strong earnings, and investor optimism. But there is a major disconnect between Wall Street records and the average household’s financial stress.

GCA Forums Market Angle: Is The Dow Inflated? A Strong Opinion Section Can Say:

• Many Americans believe the stock market feels inflated because record index levels do not match the financial condition of average households.
• However, GCA Forums News should separate opinion from data.
• The data shows major indexes remain elevated, while consumer sentiment is weak, inflation is above the Fed’s target, mortgage rates remain high, and housing affordability remains strained.

Gold And Silver Weekend Watch: Precious Metals Stay Hot As Trust In Paper Assets Gets Tested. Gold And Silver Remain Major 2026 Stories

• Gold and silver continue to attract attention as investors watch inflation, the U.S. dollar, global conflict, central bank policy, and stock market risk.
• Trading Economics showed gold at roughly $4,612.50 per ounce on May 1, 2026, down slightly on the day but still sharply higher year over year.
• Fortune reported May 1 precious metals prices around $4,592 for gold and $74 for silver per ounce earlier that day. (Fortune)

“Gold Is Flashing A Warning: Investors Are Buying Fear, Inflation, And Uncertainty. ”Why Precious Metals Matter To GCA Forums Readers

• Gold and silver are not mortgage products, but they are part of the bigger household wealth story.
• When people lose trust in paper money, inflation data, government spending, or stock valuations, precious metals get attention.
• For real estate investors, retirees, savers, and business owners, precious metals are often viewed as a hedge.
• But they also come with volatility, dealer spreads, storage issues, taxes, and timing risk.

The Political Desk: Trump Assassination Attempt, FBI Director Kash Patel, Pam Bondi, And Erika Kirk

Political violence is becoming a major national concern, and uncertainty can affect consumer confidence, markets, mortgage rates, and the country’s financial mood.

Important Editorial Note For GCA Forums News

Report what happened. Identify allegations as allegations. Avoid personal insults. Focus on why the story matters to the public.

Political stories can drive viral traffic, but they also carry legal and reputational risk. GCA Forums News should avoid calling anyone “disgraced,” “fraudulent,” “criminal,” or “unlikeable” as a factual statement unless there is a verified conviction, official finding, or reliable source supporting that exact claim.

Latest On The Trump Assassination Attempt Story

Recent reporting says a shooting incident at the White House Correspondents’ Dinner led to federal charges involving an alleged attempted assassination targeting President Trump. Reports identify the accused as Cole Tomas Allen and describe injuries to a Secret Service agent.

Latest On FBI Director Kash Patel

Reuters reported that FBI Director Kash Patel sued The Atlantic, claiming false reporting about alleged drinking and absences. Patel is seeking $250 million in damages and denies the allegations.

Reuters also previously reported that Iran-linked hackers claimed to have gained access to Patel’s personal email, and the FBI said it had taken steps to mitigate risks while stating that the data was historical and did not involve government information.

Latest On Pam Bondi

“Pam Bondi Back In The Political Spotlight: What We Know, What Is Alleged, And What Has Not Been Proven.”

I did not find a reliable, current source supporting the phrase “disgraced former AG Pam Bondi” as a factual news description. GCA Forums should not publish that wording unless your staff has a verified source and legal review.

Latest On Erika Kirk

“Erika Kirk Becomes A Political Lightning Rod After WHCD Chaos And Conservative Media Backlash.”

Recent reports say Erika Kirk, the widow of Charlie Kirk, has been involved in heated public controversy after the White House Correspondents’ Dinner shooting and online criticism from political/media figures. Some outlets reported that Turning Point USA responded sharply to criticism aimed at her, while other commentators criticized her leadership role.

Mortgage Lending Market: The Industry Is Still Under Pressure

“The Mortgage Market Is Depressed, But Borrowers Are Not Out Of Options.”

Housing Affordability Crisis: Why Buyers Feel Trapped In 2026Housing Affordability Crisis: Factors Contributing to Buyer Constraints in 2026

The housing affordability crisis now extends beyond elevated home prices to encompass the total monthly payment. In 2026, homebuyers contend not only with high listing prices but also with increased mortgage rates, property taxes, homeowners’ insurance premiums, homeowners association dues, and a range of other financial obligations, including credit card debt, car payments, student loans, childcare, groceries, fuel, and essential living expenses.

Consequently, many buyers perceive themselves as financially constrained.

Many prospective buyers earn stable incomes, demonstrate strong work ethics, and may have accumulated savings. However, when lenders calculate the comprehensive mortgage payment—including taxes, insurance, and additional debts—the resulting figures are often more restrictive than anticipated. While a buyer may feel emotionally prepared for the purchase price, the monthly payment may not align with underwriting criteria or the household budget.

The Central Challenge: Monthly Payment Burden

Traditionally, homebuyers would identify a property, review its price, and determine affordability based primarily on the listing amount.

This approach is no longer sufficient. Contemporary buyers must evaluate the total housing payment, commonly referred to as PITI (principal, interest, taxes, and insurance). Additionally, many must account for mortgage insurance, homeowners’ association dues, flood insurance, special assessments, and increased utility expenses.

A property that appeared affordable three years prior may now seem unattainable due to changes in mortgage rates, insurance premiums, property taxes, and overall household debt, all of which have significantly altered the total payment.

For this reason, GCA Forums News should consistently remind readers:

While the sales price attracts initial attention, the monthly payment ultimately determines loan approval.

Mortgage Rates Are Still Controlling Buyer Power

Mortgage rates remain a primary factor limiting buyer access. As rates rise, the cost of buying a home increases, even if the listing price remains unchanged.

Elevated mortgage rates diminish purchasing power, increase monthly payments, raise debt-to-income ratios, and often compel buyers to consider less expensive properties.

These effects are particularly pronounced for first-time homebuyers, FHA and VA borrowers, and households with limited savings.

Many buyers are not withdrawing from the market due to a lack of desire for homeownership, but rather because the financial calculations have become untenable.

This succinctly encapsulates the essence of the affordability crisis.

Home Prices Remain Elevated Relative to Working Family Incomes

In numerous regions, home prices continue to exceed local wage levels. While some sellers are lowering prices, many maintain firm asking prices due to favorable mortgage rates on their current properties and a reluctance to sell unless their desired price is met.

This dynamic contributes to market stagnation.

Buyers seek reduced prices, while sellers are reluctant to forfeit accumulated equity. Homeowners with low mortgage rates are disinclined to relocate and assume higher payments.

Although inventory has improved in select markets, it remains limited in others. Consequently, the housing market is characterized by widespread hesitation among participants.

For buyers, this prolonged uncertainty can be particularly discouraging.

Insurance and Tax Increases as Barriers to Homeownership

A significant, often overlooked affordability challenge in 2026 is the escalating cost of property taxes and homeowners’ insurance, rather than mortgage rates alone.

In many states, homeowners’ insurance premiums have increased due to weather-related risks, higher rebuilding costs, inflation, litigation, and insurer losses.

Property taxes may also rise due to higher home values or local government reassessments. This is significant because lenders include taxes and insurance in the borrower’s housing payment calculation. A buyer may qualify based on principal and interest alone, but may not meet requirements once taxes, insurance, homeowners association dues, or mortgage insurance are factored in.

Therefore, buyers are advised to reconsider the question, “What home is the maximum sustainable monthly payment after accounting for taxes, insurance, debt obligations, and essential living expenses?, insurance, debt, and living expenses?

Debt-to-Income Ratios as Constraints on Mortgage Approvals

Mortgage approval depends not only on income but also on the borrower’s monthly debt obligations. Credit cards, car loans, student loans, personal loans, child support, installment debt, and other recurring payments can significantly reduce borrowing capacity.

This is where the affordability crisis hits hard. Many Americans are using credit cards to manage higher living costs. Auto payments are high. Student loan payments are back in many household budgets. Childcare is expensive. Groceries and utilities are taking a larger share of income.

When these debts are combined with the mortgage payment, the resulting debt-to-income ratio may exceed the threshold for loan approval.

At Gustan Cho Associates, many clients seek assistance after being denied by other lenders due to debt-to-income ratio constraints, lender overlays, or discrepancies in income calculations. In numerous instances, borrowers retain viable options if the loan is structured appropriately and the lender adheres to agency guidelines without imposing additional overlays.

First-Time Homebuyers Experience Heightened Financial Pressure

First-time homebuyers face multiple challenges. They frequently lack equity from previous home sales, possess limited savings, and may carry student loans, auto loans, or credit card balances. Additionally, they compete with investors, cash buyers, move-up buyers, and sellers who may be unwilling to negotiate.

Even when first-time buyers qualify, they may feel forced to choose between a smaller home, a longer commute, an older property, or a different.

Accordingly, the affordability crisis constitutes not only a financial challenge but also an emotional one.isIt influences major life decisions, including marriage, family planning, job relocation, wealth accumulation, retirement, and proximity to family.retire, or stay close to family.

Renters Also Face Significant Constraints

Many renters aspire to homeownership but are constrained by high rental costs, elevated home prices, and the difficulty of saving for a down payment while managing daily expenses. While renting may appear more affordable in the short term, it does not contribute to equity accumulation. Conversely, purchasing a home can facilitate long-term wealth building, though the initial costs and monthly payments may seem prohibitive.

Prospective buyers need not meet every ideal criterion to begin the mortgage process; rather, a clear and actionable plan is essential.

This plan may involve reviewing credit, reducing debt, documenting income, saving for closing costs, exploring FHA or VA loan options, seeking down payment assistance, or considering non-qualified mortgage (non-QM) alternatives for those who do not meet traditional mortgage requirements.

Mortgage Denial Does Not Necessarily End the Homebuying Process.

A critical message that GCA Forums News should consistently convey is the following:

• A mortgage denial from one lender does not necessarily preclude qualification with another lender.
• Many lenders have overlays.
• Some require higher credit scores than FHA or VA guidelines require.
• Some cap debt-to-income ratios are lower than those of agency automated underwriting.
• Some do not offer manual underwriting.
• Some avoid borrowers with recent late payments, bankruptcy, foreclosure, or complex self-employment income.

Gustan Cho Associates is recognized for assisting borrowers who have been unable to qualify with other lenders. This message is particularly relevant to the ongoing housing affordability crisis, as many buyers who feel constrained may simply require a lender experienced with complex financial profiles.

GCA Forums: Key Daily Insights on Affordability

The housing affordability crisis in 2026 encompasses more than high home prices; it also involves payment shock, rising mortgage rates, insurance premiums, property taxes, household debt, inflation, and restrictive lending.

Buyers experience financial constraints as they attempt to qualify in a market where marginal differences in income and expenses are critical. However, feeling ‘trapped’ does not equate to a permanent lack of options or ‘stuck forever’.

Before discontinuing their search, buyers should thoroughly review all mortgage options, assess their debt-to-income ratio, compare available loan programs, determine whether lender overlays contributed to any denial, and collaborate with a mortgage team experienced in structuring complex loans.

For many families, the aspiration of homeownership remains attainable.

It just needs a better plan.

High Rates Are Still Hurting Loan Volume

The mortgage lending market remains difficult because higher rates reduce refinance activity, affordability problems reduce purchase power, and many borrowers no longer fit clean agency guidelines.

FHA, VA, USDA, Conventional, And Non-QM Borrowers Need Better Guidance

Many borrowers think they are denied because they are not eligible for a mortgage. In reality, they may have been denied because they went to the wrong lender, had lender overlays, had their income not calculated correctly, or needed a different loan program.

Gustan Cho Associates can use GCA Forums News to educate borrowers on:

• FHA loans with lower credit scores, VA loans with no official VA minimum credit score, USDA loans for eligible rural and suburban areas, conventional loans with AUS approval, manual underwriting, non-QM loans, bank statement loans, DSCR loans, asset depletion loans, and mortgage options after bankruptcy or foreclosure.

Home Prices And Affordability: The American Dream Is Still Under Attack The Real Problem Is Payment Shock

Many homebuyers no longer shop by price. They shop by monthly payment.

The monthly payment includes principal, interest, property taxes, homeowners’ insurance, mortgage insurance, HOA dues, and sometimes flood insurance. Even if the home price looks reasonable, the full payment may be unaffordable.

Why Affordability News Should Be A Daily GCA Forums Feature

GCA Forums News should cover affordability every day because it affects almost every reader.

Renters want to know if they should buy. Homeowners want to know if they should sell. Investors want to know if cash flow still works. Realtors want to know where buyers are. Mortgage loan officers want to know which loan products still make sense.

GCA Forums News Housing Affordability Shock Report GCA Forums News Feature For Saturday, May 2, 2026

Are you seeing lower home prices in your market, or are sellers still refusing to budge? Are mortgage payments, insurance, taxes, and groceries making homeownership feel impossible? Join the conversation on GCA Forums and tell us what is happening in your state.

Final Thoughts: GCA Forums Weekend Takeaway For Saturday, May 2, 2026

• The weekend story is simple: America is still financially stressed.
• Mortgage rates are near 6.30%.
• Homebuyers are squeezed.
• Foreclosures are rising from low levels.
• Inflation is back in the headlines.
• Consumer sentiment is weak.
• Gold and silver remain hot.
• Wall Street is hitting records while many households are counting every dollar.

FAQs For GCA Forums Weekend News

What Are Mortgage Rates Today For May 2, 2026?

• Mortgage rates remain elevated. Freddie Mac reported that the 30-year fixed-rate mortgage averaged 6.30% as of April 30, 2026, while the 15-year fixed-rate mortgage averaged 5.64%. Mortgage rates can change daily based on bond markets, inflation, lender pricing, credit profile, loan program, and discount points. (Freddie Mac)

Why Are Mortgage Rates Still High In 2026?

• Mortgage rates are still high because inflation remains above the Federal Reserve’s target, Treasury yields are volatile, energy prices are affecting inflation expectations, and the Federal Reserve has not aggressively cut rates. Mortgage lenders price loans based on market risk, borrower risk, and investor demand for mortgage-backed securities.

Is The Housing Market Crashing In 2026?

• The national housing market is not showing a full crash, but it is under pressure. Pending home sales rose 1.5% in March 2026 from the prior month but were still down 1.1% year over year, indicating that buyer demand remains strong but affordability remains weak.

Are Foreclosures Increasing In 2026?

• Yes. ATTOM reported 118,727 U.S. properties with foreclosure filings in the first quarter of 2026, up 26% from a year earlier. However, rising foreclosures do not automatically mean another 2008-style housing crash. The increase shows that financial pressure is building for some homeowners.

Why Are Gold And Silver Prices So Important Right Now?

• Gold and silver are important because investors often watch precious metals during periods of inflation, market volatility, geopolitical risk, and concern about paper assets. Gold remained above $4,600 per ounce around May 1, 2026, according to market-tracking sources.

Can Borrowers Still Qualify For A Mortgage With Bad Credit Or High Debt?

• Yes, some borrowers can still qualify even with bad credit, high debt-to-income ratios, recent late payments, bankruptcy, foreclosure, or self-employment income. Approval depends on the loan program, automated underwriting findings, compensating factors, down payment, reserves, and whether the lender has overlays. Gustan Cho Associates specializes in helping borrowers who may not qualify with other lenders.

• This discussion was modified 1 week, 1 day ago by  Sapna Sharma.

fortune.com

Current price of gold: May 1, 2026 | Fortune

Trends in gold prices could indicate whether the asset can protect against inflation. Here’s a look at how the precious metal is doing today.

Value of Silver will outpace Value of Gold as precious metals skyrocket. Silver trade in a thin market. Plus Silver has investment Value as well as practical industrial Value. In 2011 Value of Silver doubled to $45 per ounce. Trading of Silver opened higher today. Start stacking Silver today.

https://youtu.be/jYV3vi-ysPk?si=oC1zFZqFGjY8B6AU

Tim, it was a pleasure speaking with you this afternoon. Looking forward to working with you directly and/or indirectly. First and foremost I like to congratulate you on passing the NMLS exam your first time around. Every Mortgage Loan Originator has their own way and platform on handling their marketing, qualification and pre-approval process and how they proceed with the mortgage and underwriting process from opening, disclosures, processing, underwriting, conditional approval, clearing conditions, resubmitting conditions to underwriting for a clear to close. Once conditions have been cleared a CTC is issued by the underwriter. A clear to close means the lender is ready to fund the loan. Please take a brief look at one of our preferred wholesale lender Equity Prime Mortgage (EPM Mortgage)

https://www.epmwholesale.com/

epmwholesale.com

Home | EPM

Empowering your clients with choice is why brokers are better! With our broad spectrum of mortgage products, we empower brokers with the ability to help more people and serve their community’s housing needs.

GCA Forums News – Friday, June 20, 2025

Welcome back. This is your GCA Forums News hit for today. We were talking fresh updates on the housing market, the economy, ongoing federal probes, shifting politics, and those big splash headlines that keep the country buzzing.

Housing and Mortgage News

• The U.S. housing scene feels stuck, almost like a car idling at a red light.
• Mortgage rates hover in the 6s, inventory sits stubbornly low, and many would-be buyers are still sitting on the sidelines.
• Bankrate put the average 30-year fixed loan at 6.82 percent today, with the 15-year version at 6.00 percent and the 5/1 ARM at 6.15 percent.
• Those numbers are only a whisker below last month’s peak of 7.22 percent.
• Even the slight dip isn’t enough to pry open wallets that feel pinched.
• Jerome Powell reminded everyone last week that this housing crunch isn’t just a math problem tied to interest rates.
• He called out a persistent shortage of available homes and said solving it well requires root-and-branch fixes.
• April 2025 did bring in the most new listings we’ve seen since January 2020, so supply is creeping up.
• However, prices are still high, and folks are nervous about the economy, so demand isn’t roaring back the way some economists hoped.
• Multiple-offer scenarios are back in the Northeast and Midwest. At the same time, cities across the South see growing inventory matched by slipping home prices.

Mortgage Rate Forecast

• Most Wall Street pros believe the average mortgage rate will stay above 6.5% through 2025.
• Some even worry it could nudge higher if fresh inflation surprises show up.
• They point to two or maybe three. Fed moves in the quarter-point trim that might kick off in December if the price numbers cool.

Rent vs Buy

• As of early 2025, home shoppers face a $416,900 median sticker price, which, paired with roughly 7% borrowing costs, tilts the scales toward renting for now.
• But climbing monthly rents in red-hot markets like Boston and New York keep pushing everyone to ask whether waiting for lower rates is wishful thinking or a smart delay.

Powell and the Fed

• On June 18, the FOMC paused again, keeping the federal funds band at 4.25% to 4.5% for the fourth time in 2025.
• Powell told reporters the central bank is well-positioned to sit tight.
• However, the economy looks sturdy at 4.2% unemployment and May inflation at 2.4%.
• He still flagged inflation heat from the tariffs President Trump slapped on imports.
• The Federal Reserve recently released its Summary of Economic Projections, and the numbers tell a cautious story.
• Growth for 2025 has been trimmed from 1.7% to 1.4%, inflation expectations now sit at 3.1% instead of 2.8%, and the jobless rate could increase to 4.5%. Jay Powell described the labor market as surprisingly sturdy, brushing aside fears of an immediate slowdown.
• He still sees room for two quarter-point rate cuts this year, possibly starting in September if inflation bends back toward 2%.
• Powell isn’t only fending off market pressure; the White House is leaning on him, too.
• President Trump has called the chairman stupid and loudly demands a full one-percentage-point rate cut.
• Powell, treading carefully, insists the Fed will stick to its independent dual mission of managing prices and helping people find work.
• This is even while tariffs throw fresh darts at both targets.
• On the ground, the U.S. economy feels strong yet lumpy.
• Inflation dropped from 3% in January to 2.4% in May, still above the 2% benchmark, and imported tariffs are likely to nudge prices up again.
• Job gains slowed to 139,000 in May, leaving unemployment at 4.2%.
• Households are feeling the pinch.
• This is especially true when 20% of car borrowers are glued to monthly payments above $1,000, and credit card rates are now topping 20%.
• Trump stuck on his tariffs, and Jerome Powell once warned that they’d probably hike prices and almost sit on the economy.
• Some economists now pin the phrase dangerous landing on our trade mess, saying it chips away at consumer prices and business nerves.
• Oddly enough, everyday folks still feel better.
• Fannie Maes’s monthly sentiment number nudged to a 2025 peak this past May.
• Moving to home sales, talk of a chilled environment keeps cropping up.
• Buyers pause, sellers won’t budge much, and the scene feels flat.
• Sky-high mortgage rates, spiky insurance, and property tax bills make things heavier.
• The Mortgage Bankers Association doesn’t see rate movement any time soon- the Fed, for now, is on pause.
• Pros say that a real, lasting dip in inflation is the only way to get lower rates that might wake up demand and stabilize the market.

Stock and Bond Markets

• Before the Fed spoke on June 18, stocks tooled along quietly.
• The Dow ticked up 0.35 percent, the S&P climbed 0.37, and the Nasdaq gained 0.48.
• None of it felt huge, yet nobody was complaining.
• Bonds, by contrast, flash somebody worried.
• Yields on the ten-year Treasury slipped after cheerful inflation numbers.
• Still, they stayed high enough to make folks glance at the tariff chatter and ballooning debt.
• Rising government red ink and Trump’s take-no-prisoners budget ideas still threaten to nudge yields and raise mortgage rates.

New York Attorney General Letitia James and Mortgage Fraud Allegations

• New York AG Letitia James keeps turning over rocks in the mortgage world, zeroing in on lenders who look like they don’t play fair.
• The calendar is full as of June 20, 2025, but the indictment list isn’t.
• James’ office, the CFPB, the FBI, and even the U.S. Attorney General have issued almost nothing resembling a court countdown.
• Even reporters chasing leaks can mostly file wait-and-see updates.
• Building these cases takes legwork, paper trails, and sometimes years of quiet subpoenas, not press releases.
• The spotlight is on the industry, but big names haven’t yet been pinned to the wall.

Trump Administration and Cabinet Updates

• Donald Trump, who took office on January 20, 2025, is well into his second term and still divides the country.
• Social media posts show cheers for the economy but plenty of groans about promises left hanging.
• Many die-hard supporters keep waiting for fireworks.
• Swift indictments and headline-grabbing arrests.
• Yet the Department of Government Efficiency, under Elon Musk, has made no public splash, and no hard evidence has turned up, leaving that audience frustrated.

Attorney General Pam Bondi

• Once Florida’s attorney general, Pam Bondi, has leaned heavily on immigration crackdowns and rolling back red tape.
• Critics quickly gathered her time back home and said some prosecutions felt more political than principled.
• So far, no major federal indictments have appeared on her watch, even if whispers of ongoing probes refuse to die.

FBI Director Kash Patel

• Kash Patel leads the FBI, a pick that shocked plenty of former agents.
• Courtroom years as a public defender and a handful of agency stints dot his résumé.
• Yet, he skipped the rank-and-file step ladder most directors climb.
• Supporters say that a fresh eye is exactly what the bureau needs.
• Critics say that his loyalty to Trump bought him the chair.

Deputy FBI Director Dan Bongino

• Bongino, once a beat cop in New York and a Secret Service detail man, is now more familiar with headphones than handcuffs.
• Most folks know him from streaming apps like Rumble, where he chats for hours and plays armchair detective.
• Because he hasn’t run a federal case in years, some critics say his tool belt is starting to rust.
• They add that Tech has leaped ahead of the FBI, and Bongino’s older playbook doesn’t fit the field.
• Legal minds who read a lot into org charts still push for bosses who have logged time in courtrooms or crisis rooms.
• Yet Donald Trump keeps reaching for people who say yes first and ask questions later.
• That habit keeps the audience-divide debate very much alive.

Trump and Elon Musk Relationship

• Their bond still glows like a neon sign.
• Musk now runs the Department of Government Efficiency.
• This title sounds better in headlines than on an office door.
• They keep tossing phrases around, the latest being the Big Beautiful Bill, though no actual paper with that stamp has hit Congress as of June 20, 2025.
• The label floats while Musk’s aides comb through federal budgets.
• So far, no microphone has announced a signature change, but both men love to keep the room guessing.

Los Angeles Riots and Major Headline News

• So far, nobody has spotted crowds, fires, or police lines in Los Angeles on or around June 20, 2025.
• The big wires, local blogs, and even a quick scroll through GCA Forums show nothing matching the word riot, which leans toward rumor or plain misinformation.

Batter Blues

Aaron Judge of the New York Yankees is stuck in a hitting rut: 3-for-27 since the team gave him one day off. Fans are arguing about whether he needs more rest or a mental reset.

Birthday Throwback

June 19 marked Lou Gehrig’s 122nd birthday, and old-school Yankees fans took the opportunity to honor the Iron Horse and spread the word about ALS. A simple hashtag on social media flooded timelines with vintage clips and heartfelt stories.

Economic Tightrope

On the numbers side, the Federal Reserve is holding rates steady. Still, Jerome Powell keeps warning about tariffs tightening the squeeze on shoppers. Markets reacted with a yawn, yet everyone knew the next meeting could flip the script. Back at street level, the housing scene is flat.

High mortgage rates still eat up paychecks, and rising costs linked to new tariffs put extra pressure on renters. Political chatter isn’t quieter, either.

Eyebrows are raised over the Trump administration’s cabinet picks, questioning who is truly qualified.

Federal probes into various scandals are inching along. Despite the noise, officials haven’t landed any headline-grabbing indictments. At least not yet.

For its part, Los Angeles has kept the peace, with no major break in the calm that some rumors promised.

For real-time updates, swing by GCA Forums News and skip the guessing game.

Quick Heads-Up

This post relies on what we knew up to June 20, 2025. However, facts can shift overnight, so please take a second to check anything that sounds off.

https://youtu.be/0xnyHo8r87s?si=uwNbQday1ge9gp2q

• This discussion was modified 10 months, 3 weeks ago by  Gustan Cho.

Are there many corrupt police officers where they will draft up false criminal charges against citizens? What happens if you were not speeding but get caught for speeding and you know for a fact you were not speeding. What happens if you get arrested for reckless driving for going over 30 miles over the limit and you know for a fact you were not going more than 10 miles over the speed limit. Does the police officer have to show you proof that he caught you going 30 miles over the limit? A reckless driving conviction can mean automatic cancellation of your drivers license and your insurance company can drop you. Are there many corrupt police officers? What can we do if you fall victim to a corrupt police officer? How do police departments hire honest police officers who are honest and protect and serve. I have been watching many YouTube videos about First Amendment Auditors and police corruption. Can you sue corrupt police officers? I have also seen many news reports of police officers planting evidence and lying just for the sake of arresting someone they do not like. What can we do about cleaning up society of corrupt cops?

The Great Community Authority Forums, specifically known as the GCA Forums, is powered by Gustan Cho Associates. This forum serves as a platform for discussions on a wide range of topics, primarily focused on mortgage and real estate but also includes general community assistance and various other subjects like insurance, automotive, and more. Members can engage in topics ranging from FHA and conventional loan guidelines to mortgage rates, and there’s also a section for classified ads related to real estate and mortgage services.

The forum features various utilities such as mortgage calculators, FHA loan limits, and information on conventional loan limits. Members can also inquire about real estate and mortgage careers through designated sections for realtors and mortgage loan officers. Moreover, the forum provides links to subsidiary sites offering specialized services in real estate and mortgage brokering.

For those interested in diving deeper into specific topics like the differences between different mortgage companies such as AXEN and NEXA Mortgage, the forum hosts detailed discussions where experts like Michael Neill contribute insights on the intricacies of mortgage lending practices​ (GCA Forums)​​ (GCA Forums)​​ (GCA Forums)​.

If you’re looking to explore this forum or require more detailed information, you can access it here.

Do you get a property tax reduction if you have been hives on your property in Wisconsin or Illinois? In Wisconsin, beekeeping can lead to significant tax savings, though “tax exemption” often refers to sales tax on equipment rather than a total exemption from property taxes. For land, beekeeping is categorized as an agricultural activity that qualifies property for use-value assessment, which can reduce the taxable value of the land by 90% to 98% compared to its market value.

1, (https://www.jackasshoneyfarms.com/bee-tax-exemption),

2 (https://beeexemption.com/),

3 (https://www.salesandusetax.com/wisconsin-sales-tax-exemption-manufacturing),

4 (https://www.wpr.org/agriculture/help-wisconsin-bees-lawmakers-look-make-beekeeping-cheaper)

Property Tax Benefits

Beekeeping allows land to be classified as “agricultural land” for property tax purposes, meaning it is taxed based on its income-producing potential rather than its fair market value.

1 (https://www.jackasshoneyfarms.com/bee-tax-exemption)

2Tax Reduction: This classification typically reduces the property’s taxable land value by 90% to 98%, often resulting in annual savings of $2,000 to $8,000+ for qualifying landowners.

Hive Requirements: While some counties vary, standard guidance suggests a minimum of 50 hives to qualify for commercial agricultural status, though some programs work with as few as 6 hives for specialized valuations.

Land Requirements: Minimum acreage varies by county and specific program, but owners with 5 to 20 acres of rural land are often primary candidates for these agricultural valuations.

1 (https://primalbee.com/blogs/modern-beekeeping/the-simple-tax-guide-for-backyard-beekeepers?srsltid=AfmBOoqQ7-zpQpXtfJ1gBnLtFho7q30AzRrV6vmkwkmt3n3GexG_eTEI)

2 (https://jcshoneybees.com/ag-exemptions/),

3 (https://www.beesource.com/threads/property-tax-agricultural-exemption-for-bees.227764/page-2)

4 (https://beeexemption.com/), 5 (https://www.jackasshoneyfarms.com/bee-tax-exemption)]

Sales and Use Tax Exemptions

Beekeepers in Wisconsin are eligible for a 100% sales tax exemption on specific items used exclusively for beekeeping.

1 (https://www.wpr.org/agriculture/help-wisconsin-bees-lawmakers-look-make-beekeeping-cheaper),

2 (https://docs.legis.wisconsin.gov/document/administrativecode/Tax%2011.12(4)(b)6.c.)

Exempt Items: This includes bees, beehives, bee combs, and drugs for bees. It also covers electricity and fuel used directly in beekeeping operations.

Qualifications: Historically, this required having 50 or more hives, but legislative updates have aimed to expand this to any beekeeper regardless of size.

Documentation: To claim this, you must use a Wisconsin Sales and Use Tax Exemption Certificate

(https://www.google.com/url?sa=i&source=web&rct=j&url=https://www.revenue.wi.gov/dorforms/s211f.pdf&ved=2ahUKEwjxxLKL3J2UAxVdoSsGHSB5IWMQy_kOegQICBAD&opi=89978449&cd&psig=AOvVaw2uOxLtAGBMHldycKzisepl&ust=1777918342857000)when making purchases.

1 (https://www.wpr.org/agriculture/help-wisconsin-bees-lawmakers-look-make-beekeeping-cheaper),

2 (https://www.billtrack50.com/billdetail/872660), 3 (https://www.wpr.org/agriculture/help-wisconsin-bees-lawmakers-look-make-beekeeping-cheaper),

4 (https://www.revenue.wi.gov/dorforms/s-211f.pdf)

Farmland Preservation Credits

If your land is in a certified farmland preservation zoning district, you may qualify for additional income tax credits:

1 (https://datcp.wi.gov/Pages/Programs_Services/FPTaxCredits.aspx),

2 (https://datcp.wi.gov/Pages/Programs_Services/FPTaxCredits.aspx),

3 (https://ruralwi.com/resources/wi-farmland-preservation-tax-credits/)

$10.00/acre for land in an area zoned for farmland preservation.

$12.50/acre for land in both a preservation zone and an agricultural enterprise area with a signed agreement.

Credit Level: The actual credit is 100% of the potential amount if the land is covered by both local zoning and a county

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

Are there corrupt cops? How could that be when the recruitment and hiring process of police officers include a thorough assessment of the police applicant’s background. Background investigation includes interviews of former and current employers, co-workers, supervisors, neighbors, classmates, and teachers. Background investigators of police officer recruits will check the candidates credit and employment backgrounds, criminal arrests and convictions, public records, and medical and psychological history records. Many law enforcement agencies will conduct written psychological examinations as well as an oral interview with a board certified psychologist. Other police agencies will have polygraph examinations as part of the background investigation process. Like many other professions, there are bad apples in law enforcement. Here are some videos of corrupt police officers caught on tape.

https://www.facebook.com/share/v/8rZBrhjnZ3sU7GQR/?mibextid=D5vuiz

facebook.com

When Evil Cops Got Caught Red Handed | Mr. Nightmare | When Evil Cops Got Caught Red Handed | Mr. Nightmare #cops #police #thinblueline #lawenforcement #policeofficer #UK #usa | By BlackRoastFacebook

When Evil Cops Got Caught Red Handed | Mr. Nightmare #cops #police #thinblueline #lawenforcement #policeofficer #UK #usa

Chase, my long-coat black and red German Shepherd adolescence pup was born on January 25th, 2023. I purchased Chase on September 12th, 2023 when he was eight months old. I was searching Long-Haired German Shepherd dogs on Hoobly (highly recommend this website if you are shopping for dogs) and found Dan Ivenovic, a breeder of German Shepherd and Doberman Pinschers – all German bloodlines and exotic rare long hair French Bulldogs). Dan Ivenovic is based in Deerfield, Illinois, which is 30 minutes from where I live. I talked back and forth with Dan Ivenovic for a few days over the phone about maybe getting two long-coat German Shepherd dogs and a time and date for seeing the dogs. On September 12th, 2023, Dan said he can drop the dogs to may house to see them and if I like them, I could purchase them. I told him that I just want one German Shepherd dog because the German Shepherd I am buying will be my 12th dog so just to bring one. Just so everyone knows, I do have 12 dogs and they are all inside dogs. At the time my wife and I had 11 dogs (Dog #1 Female Pit Bull that was a rescue where I had to adopt or the previous owners were moving to Florida and could not take her and a male Pitbull. The male Pit Bull, my friend and fellow loan officer Jose Morales adopted. Dog #2: Stella is a 8 year old grey female Standard Poodle who is a rescue. Stella and dozens of dogs were confiscated from a large puppy breeding mill by the Sheriff’s Department in Central Wisconsin. Stella was abused, undernourished, and was about to get transported to a kill county animal shelter. Dog #3: Four year-old French Bull Dog – Adopted last year from Highland, Illinois. Dog # 4: Five-year old four pound toy poodle. Dog #5: Five-year old five pound Yorkshire Terrier. Dog #6 and Dog #7: Five year old Boston Terrier brothers. Dog #8 eleven year old toy poodle. Dog #9: Five-year old toy poodle. Dog #10: Six-year old Schiz Szu-Pomeranian mix. Dog #11: Six-year old three pound Chihuahua. Chase makes it dog #12). So, when I adopted Chase, he was eight months old. He was very skittish, was not leash trained, was semi-potty trained, did not know how to sleep on a dog bed, did not know nothing about toys, did not know how to walk and down the stairs, did not know human food, ice cream, or treats, did not know how to walk into different rooms through a door, did not know how to get in and out of my truck, and did not know many things a normal eight month dog should know. I had to take him to the vet every other week because of warms and a stomach parasite which took six months to treat. Anyways, I spent a lot of time with him. Taught him the basics, took him for rides, introduced him to toys, and soon he started coming around. All his four-legged furry brothers and sisters eventually welcomed Chase into their group and he became part of the family. We also have three unfriendly skittish rescue cats. Chase gets along with everyone and doesn’t mind the little ones snapping at him or disrespecting him by stealing his toys or food. Eventually, Chase choose a red 16 inch ball as his favorite toy. He brings his red ball throughout the day to take him out to play fetch. I disregard him many times because I am in the middle of something to do for work. He then picks up his ball and drops it to me. He continues to do this half a dozen times and if I disregard him, he will pick up his red ball and throws it to me. I ignore him, his next move is he will pick up his red ball and hands it to me and while he is doing so, you can see the whites of his eyes. NOW, HOW CAN I SAY NO TO HIM. I then change my clothes to take him out so we can play catch one on one. I need to take him out of the house to play fetch because if I take home to the back yard, we get disrupted from the other dogs. When we both had enough, we both go back in the house. Not once does Chase let his red ball out of the house. I bought other similar balls for Chase but he only wants his beat up red ball. The point for this story is you will see pictures of Chase and most pictures Chase has his red ball

with him. German Shepherds are the best dog breed I have had. My first dog, Jeannie, was a female German Shepherd I had when I was a freshman in high school. My best friend, loyal, and was always with me wherever I went. I will save that story for a different separate thread. I highly recommend German Shepherd breed for those people who want to get a dog for their family. Many people think German Shepherd dogs will not get along with small dogs, cats, and children. NOT TRUE. I will explain my interactions with other people when I have Chase with me on separate posts. Here are some more photos of Chase.

• This discussion was modified 1 year, 8 months ago by  Gustan Cho.

Dually Licensed Realtor and MLO Career Opportunities also known as Business Development Manager where a licensed realtor partners up with a NMLS licensed loan officer and gets paid his or her real estate commission as well as commission on the same homebuyer’s mortgage loan origination commission. The partnering loan officer normally does all the work and the real estate agent gets to choose which loan officer will be their partner. In order to get paid, the real estate agent needs to get NMLS licensed in one state. Can you please explain more about the Dually Licensed real estate agent and mortgage loan originator BDM career program?

This report provides carefully checked market and news updates for Monday, March 16, 2026. All numbers and events are confirmed, and any rumors or doubtful claims are clearly marked.

March 16, 2026 Market and News ReportU.S. stock market closes higher, but investor nerves remain

Wall Street bounced back on Monday after a rough period caused by the Iran war and rising oil prices. The S&P 500 went up 1.01 percent to 6,699.38, the Dow rose 0.83 percent to 46,946.41, and the Nasdaq jumped 1.22 percent to 22,374.18.

AI and tech stocks led most of the gains, but investors remained nervous about the effects of the war, ongoing inflation, and the upcoming Federal Reserve meeting.

The mood in the market improved as lower oil prices also brought down bond yields. Still, people worried about inflation and watched closely for any sign that the Federal Reserve might change its policies. Major stock groups like SPY, QQQ, and DIA all closed higher.

Oil, Capital Markets, And Why Rates Are Volatile

Energy is still the main way the Iran war affects financial markets. On Monday, Brent crude traded at $100.21 and WTI at $93.50, both well above pre-war levels due to shipping problems in the Strait of Hormuz.

High oil prices make people worry about inflation, make central bank decisions harder, and quickly affect bond and mortgage rates. These ups and downs in rates and prices are a direct result of these issues.

When oil prices go up, markets worry about slow growth and high inflation; when oil prices drop, stocks and bonds often rise, like they did Monday. Reuters says the Fed is going into this week’s meeting with inflation still 1% above its goal, and the risk it could go higher if energy costs stay up.

Silver, Gold, Precious Metals

Silver remains one of the most unpredictable parts of the market, with significant price swings. reported by Reuters, silver breached $100/oz in January, part of a speculative frenzy after an already massive 2025 rally, and analysts warned the move was stretched.

In a more recent report, silver has undergone a major correction. Reuters reported silver spot at $85.34 on March 11, and other recent prices reported around $83.97 on March 13.

No Reuters report confirms silver reached $122 per ounce. However, Reuters documented silver at $121.6 on January 29 before a sharp decline. Reports attribute the drop to speculative buying, profit-taking, and thin or stop-loss selling, rather than a single fundamental cause. Such abrupt declines are common in the silver market due to its small size and high volatility.

Did Big Banks Manipulate Silver?

Past and present cases of manipulation are different. JPMorgan has paid large settlements, including a $920 million settlement with U.S. regulators in 2020 for spoofing, and a recent $60 million settlement in private litigation. These past events are well-documented. However, as of March 2026, there is no clear evidence that major banks like JPMorgan caused the recent drop in silver prices.

A more likely reason is that silver prices got too high, and with a stronger dollar, changing expectations about interest rates, and less betting on silver, prices went back down.

While past manipulation is documented, no evidence of current manipulation was found in the reviewed sources. The latest CFTC Commitments of Traders report from March 10, 2026, shows there were 115,458 open silver contracts. On that day, commercial traders had 73,366 bets that prices would fall and 31,789 bets that prices would rise. Non-commercial traders had 8,728 bets against silver and 33,306 bets for it. This means commercial traders were mostly betting on lower prices, which is normal for producers and dealers, while speculators were mostly betting on higher prices. They maintained net long.

Big Banks Manipulating Silver? Fact or Fiction

This information does not support claims of ongoing manipulation. The data show commercial traders are mostly betting against silver in the futures market, but these bets are usually for protection or normal trading, not to control prices together. The real reason for silver’s ups and downs is constant betting in an already unstable market. War risks, inflation concerns, and higher mortgage rates have made things even more unpredictable.

For the week ending March 12, 2026, Freddie Mac reported the average 30-year fixed mortgage rate at 6.11% and the average 15-year fixed mortgage rate at 5.50%. On Monday,

Mortgage News Daily reported the best 30-year fixed rate at 6.36%, slightly lower than Friday but still higher than the week before.

This difference stands out: Freddie Mac’s weekly numbers show what happened in the past, while daily lender rates change right away in response to big news, like the war and changes in the bond market. Earlier this year, mortgage rates fell below 6 percent, but the Iran conflict has pushed both rates and unpredictability back up.

Housing and Mortgage Outlook: Better than 2024–2025, but Fragile

The housing market was starting to recover before the latest rate increase caused by the war made things harder.

In February, more existing homes were sold. Sales rose 1.7% to a yearly rate of 4.09 million. First-time buyers made up 34% of sales. Home prices rose 0.3% from last year, with the median price at $398,000, and the number of homes for sale grew to 1.29 million, though the market is still weak. Reuters reports the NAHB/Wells Fargo index rose to 38, which is still below the neutral level of 50.

Builders are still worried about high costs and a shortage of workers, which also affects new home construction and permit issuance. Compared to last year, the housing market is better but not fully healthy.

The larger economy is sending mixed signals: the Consumer Price Index (CPI) for February rose 0.3% from the previous month and 2.4% from last year, while the core CPI reported by Reuters was 3.1%. At the same time, the job market is getting weaker, with 92,000 fewer jobs in February and the unemployment rate rising to 4.4%, according to Reuters. Sudden changes in oil prices and war risks could push inflation higher, making the Fed’s job even harder. The economy is growing more slowly, but inflation remains a major concern. According to Reuters’ Fed Preview, policymakers are expected to keep things the same this week but may be more careful, since the new oil price jump could stop them from lowering rates as quickly as people hoped.

Jerome Powell’s Investigation And The Gold Comment

On the investigation: Reuters and other major news outlets report that Jerome Powell was investigated for comments about the Fed’s structure. On March 11, a federal judge dismissed a subpoena that lacked evidence of political bias. Political disputes continue, but the main development is that the judge quashed the subpoenas. No credible source supports the claim that Powell said the price of gold is “unimportant” or “does not matter.”

At his January 28, 2026, press conference, as reported by Reuters, Powell stated that the Federal Reserve does not derive significant macroeconomic signals from high gold prices and that officials do not overreact to specific asset-price changes, though they do monitor them. This differs from saying gold is entirely irrelevant: Bondi and Patel.

There is some truth to this, but it needs context. In February 2026, Reuters reported that Attorney General Pam Bondi was questioned by House members about the DOJ’s handling of Epstein’s documents and the lack of unredacted files naming high-profile individuals.

FBI Director Kash Patel

Congress is applying pressure over his involvement in the Epstein case; however, no additional sources reference him regarding document handling. No reports indicate that Bondi and Patel were summoned to testify on March 16. The most accurate assessment is that Bondi is under scrutiny for the Epstein files, and Patel faces some oversight pressure, but no further details have been confirmed.

Secretary of War Pete Hegseth

Hegseth is also under scrutiny, with the nature of the criticism confirmed. Reuters reported that he was criticized for restricting press access at the Pentagon, comments during the Iran war, remarks on media investigations, and a statement regarding an American strike on an Iranian school that killed children. These criticisms are confirmed.

Former Homeland Security Secretary Kristi Noem

There is confirmed controversy regarding DHS ad spending involving Noem. Reuters reported that President Trump said he did not approve the $220 million border-security ad campaign featuring Noem, contradicting her statement to Congress.

Both parties criticized the procurement process. Additionally, Reuters noted she was already under scrutiny for her Senate testimony on immigration enforcement. is no confirmation of the claim regarding Lewandowski.

No reliable reporting supports the personal claim about Lewandowski as a “lover.” The dog-and-goat incident from Noem’s memoir has generated public backlash but is not relevant to the current market or mortgage situation and is excluded from this report.

U.S.-Iran War: How It Started, What The Goal Is, And Who Is “Winning.”

As of March 16, Reuters and AP describe the situation as an ongoing U.S.-Israeli conflict with Iran lasting nearly three weeks. The main focus has been on attacks on Iranian energy infrastructure and shipping in the Strait of Hormuz. The U.S. has requested allied support to protect tankers, but support remains limited.

Reports indicate the conflict began with U.S.-Israeli attacks on Iran, followed by Iranian retaliation and a shipping crisis. No official statement clearly explains the cause.

Which side is prevailing depends on perspective: militarily, the U.S. and Israel have damaged Iranian positions; economically, Iran has triggered a global oil crisis by disrupting shipping through the Hormuz Strait. The outcome varies based on whether military or economic factors are considered. The U.S. has requested assistance from partners, including NATO and China, but Reuters and AP report that there is still no strong, unified coalition in support. AP news reports that “Pakistan appears to remain neutral while protecting energy access.”

“Sanctuary” Cities, California, Chicago, & State Finances

There is an ongoing legal and political dispute over sanctuary cities and federal funding. Trump stated that federal funding to sanctuary jurisdictions would end, but courts have continued to block broad funding freezes in several cases. Significant activity continues in Chicago.

Reuters reports that Mayor Brandon Johnson has investigated illegal activity involving immigration federal agents and has effectively detained ICE in Chicago.

As a result, the city has become a symbol in the broader debate over state and federal relations on illegal immigration. In California, the situation is less difficult than some reports suggest. Available sources indicate that calling it ‘economic chaos’ is inaccurate. Governor Gavin Newsom has reduced parts of the free healthcare program for undocumented migrants because of a projected $16 billion revenue shortfall from tariffs and a flat budget. Despite these challenges, there is no evidence of a genuine fiscal crisis.

Regarding New York, Thomson Reuters reported that Mayor Zohran Mamdani initially cited a $12 billion deficit, later revising it to about $7 billion after adjustments and use of reserves. No reliable source confirms the claim that New York incurred a $12 billion deficit within three weeks of the mayor taking office, as referenced in the request.

Fraud In Minnesota And Other States

This is a legitimate national political story. Treasury Secretary Scott Bessent pledged to prosecute fraud involving Minnesota and stated the administration would investigate other states as well. Reuters also reported on the broader social welfare scandal in Minnesota that has drawn White House attention.

Mortgage And Housing Industry: Does 2026 Look Optimistic?

The housing and mortgage market starts spring 2026 with careful optimism, but what happens next depends on interest rates. Homes are more affordable than in 2024 and 2025, rates are lower than last year, more first-time buyers are entering the market, and sales have gone up—real reasons to be hopeful.
There are still big challenges. If oil prices stay high and bond yields rise sharply, mortgage rates could rise, putting the spring recovery at risk. Builders are not very confident, permits are slow to appear, and the job market is getting weaker.

2026 does not look like a boom year. If prices and inflation caused by the war keep changing, any recovery may not last. Stocks have made a small comeback, and oil prices have dropped a bit, but there is still significant uncertainty. Silver prices remain highly unpredictable, with no evidence that banks caused the drop. Mortgage rates are still higher than in 2023 and remain volatile due to the Iran war and inflation concerns. The housing market is getting better, but it is still shaky. While many concerns are real and have led to investigations, some stories have been exaggerated and lack strong evidence.

https://www.youtube.com/watch?v=30w28rhjhKE

I like to cover and discuss corruption and fraud today. In this post, I like to cover a comprehensive overview on private and public corruption and fraud today.

Many folks have not realized how widespread corruption and fraud is. Look at all these politicians like Nancy Pelosi, Ihan Omar, Barack Obama, Bill Clinton, Gavin Newsom, and hundreds if not thousands of local, state, and federal politicians, government workers, judges, prosecutors, police officers, zoning heads, Congressman, Senators, local city mayors, governors, city council members, and everyone in between. I think everyone has a price and everyone can be bought. This whole world seems corrupt. Look at Jeffrey Epstein and how he bribed high end politicians, and heads of state with pedophilia. How can a government worker go from making an avergage salary of about $80,000 per year to becoming a multi-millionaire. Look at California Governor Gavin Newsom. As the governor of California, he only makes $250,000 per year. Newsom’s wife only makes a nominal salary as well and the Newsom’s do not come from money. He owns couple of multi-million dollar homes and luxury cars. How can that be? Every other cop in the street commits fraud. They think they are above and beyond the law. Free donuts, discounted foods and many times free food, balatantly asking for police discounts on food, drinks, merchandise, groceries, and even high ticket items like motorized vehicles, cars, motorcycles, and airfare. Look at Minnesota What would be the solution to all this fraud and corruption going on? Instead of getting better it is getting worse.

https://www.youtube.com/watch?v=3rupUl5ATHU

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

Two of the most feared and fascinating men in American mob history finally sat down face-to-face – and what happened left everyone stunned. Michael Franzese, once the financial mastermind of the Colombo family, and Sammy “The Bull” Gravano, the man who helped bring down John Gotti, shared a table for the first time. What began as a calm exchange turned into a clash over loyalty, betrayal, and survival. Insiders claim Sammy exposed the one thing Michael never wanted to talIk about – the truth behind how he really left the life. But was it an accusation… or a confession no one expected?

https://youtu.be/pbgyKIhzsHM?si=vauSRlTgJyJtUVzM

Comprehensive News Report for Sunday, March 15, 2026

Stock Market Update

On March 13, U.S. stock markets fell. The Dow Jones Industrial Average went down 0.26% to 46,558.47, the S&P 500 dropped 0.61% to 6,632.19, and the Nasdaq Composite fell 0.93% to 22,105.359. Investors grew more worried about the U.S.-Iran conflict and its potential impact on fuel prices and inflation.

As tensions rise, President Trump is reportedly considering allowing a strike on Iran. In a surprising move, the United States has also temporarily approved the purchase of Russian oil.

Precious Metals Update: Silver Prices, Short Positions, and Alleged Price Manipulation

On Sunday, gold traded just below its all-time high, between $5,011 and $5,013 per ounce. While gold fell 0.13% for the day, it has jumped an impressive 67.93% over the past year. Silver, meanwhile, was priced at $79.84 per ounce, dropping 0.60% from the previous day.

In January 2026, silver prices went up quickly to $121–$122 per ounce before dropping 32% on January 30, erasing $2.5 trillion in market value. After the crash, prices settled between $74 and $78, recovering some losses. This was the biggest one-day drop since the 1980s.

Major banks, particularly JPMorgan Chase, rapidly closed silver short positions, reducing exposure by approximately 25-47 million ounces over several weeks. Reports indicate that JPMorgan closed shorts near $78 per ounce and took delivery of millions of ounces, including 633 contracts in a single day. This activity followed JPMorgan’s 2020 fine of $920 million for precious metal manipulation and spoofing, part of a total $1.3 billion in fines levied against four banks from 2016 to 2026 for misconduct between 2008 and 2016. According to COMEX and CFTC data, JPMorgan remained the largest holder of silver shorts at expiration. Ongoing speculation among traders and major banks centers on the alleged orchestration of the price crash through margin hikes, spoofing, or front-running, with some referencing news related to the Federal Reserve. Critics highlight previous prison sentences for traders and the banks’ historical conduct to support these claims. Mainstream analysts attribute the price movement to factors such as a liquidity crunch, a stronger dollar, oil market conditions, and an impending inflation report. Kitco has noted increased institutional investment in silver miners, resistance to the World Gold Council’s claims of depletion and manipulation, and the influence of stagflation and Federal Reserve signaling, suggesting continued price pressure.

No new rules came out this week, but recent chaos has restarted arguments about how much power big banks have at COMEX.

Interest Rates and Mortgage Market Update

The Federal Reserve’s target range for its main interest rate is still 3.50% to 3.75%, with the actual rate about 3.64% this week. The rate has not changed since January, and officials are mostly using public statements to guide expectations instead of changing policies.

For the first time in seven months, the 30-year fixed mortgage rate has gone above 6%, with the national average now at 6.41%, up 0.12 percentage points. The 15-year fixed rate also rose to 6.01%. Experts say recent drops in oil prices and trouble in the bond market, both caused by the Iran conflict, are the main reasons.

Mortgage applications jumped last week, reaching the highest level of refinancing demand in 4 years. Being able to afford a home is still a big worry.

Housing and Mortgage Industry Outlook: 2026

The housing sector remains cautiously optimistic, though hopes for strong growth are muted. Existing-home sales inched up in February, and inventory is slowly building. Builders are offering rate buy-downs to entice buyers, but high interest rates and unpredictable labor and material costs remain major hurdles.

Key forecasts for 2026 include:

• Home prices are expected to rise by up to 2.2%. J.P. Morgan predicts no increase, while Redfin, Realtor.com, and NAR forecast increases between 1% and 2.2%.
• Mortgage rates are expected to average about 6%. The number of times the Federal Reserve raises rates each year affects these predictions. By the end of the year, mortgage rates are expected to range from 5.9% to 6.3%.
• Home sales are expected to increase only slightly, with predictions ranging from 10% to 14%. A real market boom probably will not happen until mortgage rates fall below 6%, which is not expected before 2027.

New Senate bills from both parties about making housing more affordable are expected to have little effect. Slow growth in the number of homes for sale means the market will likely stay steady for now.

Economic Indicators and National News

February Data (latest):

• The unemployment rate is 4.4%, unchanged from last month. Payrolls unexpectedly declined by 92,000 positions.
• Inflation, measured by the Consumer Price Index (CPI), went up 0.3% from last month. The yearly inflation rate is 2.4%, close to the lowest in several years. The Core CPI went up by 2.5%.

Rising energy prices and the ongoing war have made people less confident about the economy. Meanwhile, reports of “fraud in Minnesota and other states” continue to spread, but there was no new economic data this week.

Update on Investigations Involving Federal Reserve Chairman Jerome Powell. There are no active congressional or DOJ investigations into any wrongdoing by Fed Chairman Jerome. Some commentators speculate about the Fed’s independence, the Trump administration, and so-called “regime change” concerns, including succession discussions.

Powell has stated he is “not concerned” about rising gold and precious metals prices or their potential link to monetary policy. He emphasized that his main focus remains on inflation and employment, not asset prices. Recent comments about the dollar’s weakness and higher gold prices have not led to any formal investigations.

Attorney General Pam Bondi and FBI Director Kash Patel face bipartisan scrutiny in Congress over the Department of Justice’s handling of the Epstein files. The House Oversight Committee is preparing to subpoena Bondi for a deposition, citing unjustified delays, extensive redactions, missing documents (including some related to Trump), and a rushed document review process. Both parties have criticized the DOJ’s transparency, whether real or perceived, under the Epstein Files Transparency Act.

Secretary of Defense Pete Hegseth is also being questioned about his role in the Trump Administration, but these issues are not related to the Epstein case. Hearings regarding his actions are taking place this week.

U.S.-Iran War Update

On February 28, 2026, the conflict reached a breaking point as the U.S. and Israel launched Operation Epic Fury. The operation killed Iranian Supreme Leader Ali Khamenei and his son Mojtaba, who was supposed to take over. In response, Iran fired missiles and drones at countries friendly to the U.S. and important Gulf facilities, closing the important Strait of Hormuz. This latest conflict broke out after years of growing tension: Trump-era sanctions, the killing of General Qassem Soleimani, worries about nuclear weapons, and attacks by groups supported by other countries all led up to it. The immediate cause was actions by Iran, military build-ups, and defensive moves by the U.S. and Israel.

Trump and Netanyahu have openly called for a change of government in Iran and hope to cause its collapse from within. They also want to limit Iran’s nuclear plans, missile stockpile, navy, and the influence of groups like Hezbollah and the Houthis.

The United States and Israel have clear advantages in technology and military strength, while Iran’s regular forces are weaker. Still, Iran uses fewer traditional tactics and continues to threaten to close the Strait of Hormuz. No one knows how it will end.

Alliances in the Conflict:

• The United States and Israel are supported by the Gulf Arab States. Despite being targeted by Iranian attacks, these states remain aligned against Iran.
• Iran is backed by Hezbollah, the Houthis, and a few other allied states.

The main goals are to stop the spread of nuclear weapons, limit Iran’s influence in the region, and protect important energy routes. Market chaos has caused people to sell bonds, raised mortgage costs, led to slow growth and high prices, and sent stocks falling as oil prices remain above $90 per barrel. Recent jumps in energy prices and delayed Federal Reserve rate cuts are still shaking up financial markets.

Sanctuary Cities, Urban Challenges, and Budgetary Issues

Since early 2026, New York City Mayor Zohran Mamdani and Chicago Mayor Brandon Johnson have opposed federal immigration enforcement and pledged to sue the Trump administration over funding cuts to sanctuary cities. Johnson has called Chicago an “immigrant sanctuary city on steroids.” He has protested publicly with ICE and Illinois Governor J.B. Pritzker and is seeking more funds for migrant services.

Economic troubles, growing disagreements between states, and more problems in California’s sanctuary areas are reaching a breaking point. Some experts blame New York’s huge budget gap, which grew after Mamdani became mayor, on big-spending promises such as his “free everything” campaign. Chicago is now close to a financial crisis similar to the one in 2008. In contrast, 2020-2021 did not show any clear signs of “red states going broke.” Rising immigration, housing, and service costs in blue cities are widely seen as the main reasons for these financial problems.

Energy price jumps from the conflict are making headlines, causing big changes in precious metal prices, raising interest rates, and making investors more cautious. Strong arguments continue about bank actions and the big swings in silver prices in January. Even with all the trouble, the housing market is holding up, with cautious hope for 2026. At the same time, tensions at home are rising as political attention grows on the Epstein files and sanctuary city policies. This week, everyone is watching Iran, the Federal Reserve, and the next inflation numbers.

GCA Forums News For Friday March 13 2026

U.S. markets are ending the week amid heightened uncertainty. Equity prices are under pressure, silver has exhibited significant volatility following a sharp rise and subsequent decline, and although housing and mortgage sentiment remain cautiously optimistic, elevated interest rates and affordability continue to pose substantial challenges.

Live Markets: Stocks, Rates, Economy

U.S. stock futures showed modest gains on Friday morning ahead of new inflation data; however, all three major indices are projected to close the week lower. Investors are contending with elevated energy prices and the risks posed by ongoing geopolitical conflicts. On Thursday, the Dow Jones Industrial Average declined by approximately 1.5%, the S&P 500 decreased by a similar margin, and the Nasdaq Composite fell by about 1.8%, as oil prices approaching $100 per barrel renewed concerns regarding inflation and interest rates.

UPDATED Consumer Price Index

The most recent Consumer Price Index (CPI) report indicates that consumer prices increased by approximately 2.4% year over year in February. This figure suggests that inflation remains steady, although the Federal Reserve’s objectives have not yet been fully achieved. Economists note that, while inflation has moderated since the pandemic, the ongoing conflict in Iran and rising oil prices may contribute to renewed upward pressure on prices later in the year.

February CPI Data

February’s CPI data reveal mixed trends: while prices for certain groceries and goods are declining, costs for services and shelter remain elevated. These dynamics require continued vigilance from the Federal Reserve and prompt rapid market responses to new economic data. The economy continues to expand, and the labor market remains relatively robust, though investors are closely monitoring the potential for unemployment to rise as borrowing and energy costs remain high.

Live Interest Rates and Mortgage Market

Financial markets currently anticipate fewer and later interest rate reductions from the Federal Reserve than they did earlier in the year. This shift is primarily attributed to sustained economic growth and concerns that the conflict in Iran may elevate energy prices. Short-term Treasury yields reflect this uncertainty, with expectations fluctuating daily in response to new economic data and Federal Reserve communications.

15 and 30-Year Fixed-Rate Mortgages

The average 30-year fixed conforming mortgage rate in the United States is currently slightly above 6%, at approximately 6.08%. This represents a modest increase from several days prior and is about 10 basis points higher than the previous week. Fifteen-year fixed conforming loans average around 5.46%, while FHA, VA, USDA, and jumbo loans generally fall within the high-5% to low-6% range. These elevated rates continue to present significant challenges to home affordability for many prospective buyers.

2026 Mortgage Rate Forecast

Several rate-tracking sources indicate that mortgage rates briefly dipped below 6% earlier this year before rising again amid renewed inflation concerns. This underscores the high sensitivity of housing demand to even minor fluctuations in interest rates. Market forecasters continue to anticipate a gradual decline in mortgage rates later in 2026, contingent upon controlled inflation and the Federal Reserve’s ability to reduce rates without inciting additional price increases. However, this outlook remains uncertain given prevailing global risks.

Housing Outlook and “Live” Mortgage/Housing News

Recent housing data and industry forecasts suggest that the market is gradually shifting in favor of buyers, as housing inventory increases and prices decline from previous peaks. Nevertheless, market conditions continue to vary significantly by region. According to Realtor.com’s latest report, the market is becoming increasingly “ripe for buyers,” with more listings and less bidding competition as the spring season approaches.

Housing Market Outlook

A major brokerage’s 2026 housing outlook predicts national home prices will rise about 0.5% this year, while incomes are expected to grow faster than prices, slowly making homes more affordable. The same outlook sees a “new housing market era” in 2026, with home sales picking up after two slow years as mortgage rates drop a bit and both buyers and sellers adjust to a more normal, post-pandemic market.

Mortgage Market Outlook

For the mortgage industry, this translates into a cautiously optimistic outlook for 2026. Purchase volumes should rise from the lows of 2023 and 2024, but growth will likely be steady rather than rapid because of high rate sensitivity and strict lending standards. Lenders who focus on purchase loans, niche products, and educational marketing are best positioned to benefit as demand slowly returns, even though refinancing will remain a smaller part of the market compared to the years of very low rates.

Gold, Silver, Precious Metals

This morning, live silver prices are in the mid-$80s per ounce, around $84 depending on the source, after another sharp drop of a few dollars in the last 24 hours. One major outlet listed silver at about $83.97 per ounce at 8:15 a.m. Eastern, down about $3.36 from the day before, but still over $50 higher than a year ago. This highlights how dramatic the price swings over the past year have been.

Sites peg the live spot price at approximately $84.48 per troy ounce today, equivalent to about $2.72 per gram and $2,716 per kilogram, highlighting that even after the crash, silver remains dramatically above its pre‑rally levels.

Commitment of Traders‑style analysis shows elevated speculative long interest earlier in the rally and significant producer and swap‑dealer net short positioning, a structure that often amplifies volatility during rapid reversals. Recent analysis of COMEX positions indicates that producers held net short positions of nearly 29,000 contracts, while swap dealers were net short over 43,000 contracts at a peak during the rally. Concurrently, hedge funds maintained substantial net long positions. This configuration can precipitate sharp sell-offs when prices decline.

Price Volatility of Silver

A prominent report from early February detailed a historic silver price decline of approximately 32% within a single trading session, marking the largest intraday drop since 1980 and erasing an estimated $2.5 trillion in notional value. The report specifically highlighted JPMorgan’s role in issuing silver contracts during this period of market turmoil. Additionally, it noted that physical silver in Shanghai traded at a premium to U.S. futures during the collapse, implying that substantial selling in paper markets, rather than abrupt changes in physical supply, was a primary driver of the price decline.

Some critics contend that large banks acting as swap dealers may constrain rallies and trigger waves of selling, whereas others assert that these positions primarily serve as hedges against client transactions and physical holdings, rather than constituting outright market manipulation.

On the claim that silver “hit $122 an ounce and then crashed,” public sources confirm extreme volatility and large price swings, but there is no consistent record of an intraday high of $122. Reported peaks vary by venue and product, so the exact number is hard to confirm. What is clear is that, after a rapid surge, silver’s subsequent drop was exacerbated by forced selling from leveraged buyers, large short positions on COMEX, and a gap between futures and physical prices. These conditions have led some to suspect that major banks and swap dealers may have helped cause or speed up the decline.

Are Big Banks Manipulating Prices of Silver?

Allegations that JPMorgan and other major banks are manipulating silver prices have reemerged, partly due to JPMorgan’s previous payment of approximately $920 million in fines for past spoofing and manipulation in precious metals and Treasury markets, as well as its significant involvement during the 2026 crash. However, current news reports characterize the situation as a combination of aggressive paper selling, extensive hedging, and market imbalances. Regulatory authorities have not confirmed any new enforcement actions related to this year’s decline in silver prices.

Jerome Powell, Fed Politics, and Precious Metals

The Department of Justice has initiated a criminal investigation into Federal Reserve Chair Jerome Powell regarding his congressional testimony on cost overruns for the Federal Reserve’s headquarters renovation. In a recorded statement, Powell described the investigation as “unprecedented,” denied any wrongdoing, and asserted that he believes the probe is politically motivated due to his interest rate decisions, which have frequently been criticized by President Donald Trump.

Powell stated that the prospect of criminal charges could compromise the Federal Reserve’s capacity to make decisions based on economic data and conditions rather than political influence.

Jerome Powell’s term as chair concludes in May, and President Trump is anticipated to nominate a successor. However, several senators have indicated they will oppose any nominations until Powell’s legal situation is resolved. Powell has consistently downplayed the significance of gold and silver prices in Federal Reserve policy, emphasizing that the institution prioritizes inflation, employment, and overall financial conditions over commodity prices. Although Powell did not explicitly state that gold “does not matter,” this perspective is consistent with his previous remarks that metals are only one of many market indicators, not a policy objective. Nevertheless, financial markets frequently interpret increases in gold or silver prices as signals of skepticism toward the dollar and monetary policy, which explains why Federal Reserve statements on inflation and balance sheet management can influence precious metals markets, even if officials claim not to focus on them.

National Political and Economic News: States, Cities, Immigration

Sanctuary cities and states remain at the center of a heated national debate, with new proposals in Congress to penalize jurisdictions that limit cooperation with federal immigration enforcement. Policy analysts note that “sanctuary” has no formal definition in immigration law; it generally refers to local rules that restrict law‑enforcement cooperation with ICE, and estimates suggest around 100 cities and 13 states have adopted some form of sanctuary policy.

A recent policy analysis notes that lawmakers have yet to reach consensus on the criteria for designating a sanctuary jurisdiction, complicating efforts to link funding penalties or federal regulations to the term.

This ambiguity contributes to political conflict in states such as California, Illinois, and New York, where local officials must balance fiscal and social service pressures with initiatives aimed at protecting undocumented residents from stringent immigration enforcement. California continues to face budgetary challenges resulting from sluggish tax revenue growth, elevated social service expenditures, and population outflows from high-cost regions. Estimates of the state’s 2026 budget shortfall vary by source and are subject to revision as new revenue projections emerge.

New York and Chicago’s Budget Crisis

In Chicago, Mayor Brandon Johnson confronts issues related to pension obligations, public safety, and expenses associated with migrant populations. Ongoing debates persist over the city’s cooperation with ICE and the fiscal implications of its sanctuary policies, although comprehensive, current fiscal data from a single authoritative source remains unavailable.

There is no public record indicating that Zohran Mamdani, a progressive state Assembly member from Queens, has assumed the role of mayor or that a new Mayor Mamdani has created a $12 billion deficit within three weeks.

Mainstream news sources continue to identify Eric Adams as the mayor of New York City, despite ongoing budgetary challenges. More generally, numerous large, high-service, Democratic-leaning cities are experiencing post-pandemic budgetary difficulties due to weak commercial real estate markets, reduced tax revenues, and increased expenditures on housing, migrant services, and social programs. This trend is not confined to so-called “red states,” and specific circumstances vary by municipality.

Fraud In Minnesota: Governor and Attorney General In Hot Seat

With respect to fraud in Minnesota and other states, the most recent scandals pertain to pandemic relief, nonprofit, or unemployment benefit fraud, rather than newly emerging cases. Prosecutions and audits related to the misuse of federal funds have persisted into 2025 and 2026, but no major new Minnesota fraud cases are currently making headlines. Public watchdog organizations continue to caution that inadequate oversight during the pandemic has resulted in ongoing investigations and recoveries, which are expected to impact state budgets and political dynamics for years to come.

Jeffrey Epstein–Related Developments and Trump Administration Officials

Mainstream news coverage continues to focus on ongoing controversies surrounding Jeffrey Epstein’s death, his network of prominent associates, and the adequacy of previous investigations. However, there are no widely reported new congressional hearings today involving former Florida Attorney General Pam Bondi, FBI official Kash Patel, or War Department Secretary Pete Hegseth as witnesses regarding Epstein.

Previous reports have criticized certain Trump-aligned individuals, including Bondi and Patel, for disseminating unsubstantiated claims or conspiracy theories related to Epstein and other matters, but this differs from the scenario of a live, formal hearing naming them as principal witnesses.

A 2025 analysis found that Bondi was criticized for promising “shocking” Epstein revelations that did not materialize, while Patel and a deputy were faulted for promoting right-wing conspiracy theories before assuming national security positions. These criticisms contribute to ongoing distrust and speculation, but they do not equate to new sworn testimony in an Epstein-related hearing. Law enforcement agencies and Congress continue to face pressure to disclose additional information about Epstein’s associates and any sealed documents; however, current news coverage indicates that such disclosures are occurring through lawsuits and document releases, rather than major live hearings involving the aforementioned individuals.

How All This Feeds Into Housing and Mortgage Prospects for 2026

As of March 13, 2026, the broader context for mortgage and real estate professionals is characterized by persistent but stable inflation, cautious Federal Reserve policy, ongoing global risks, and a housing market gradually normalizing after years of significant volatility. Silver and other precious metals are serving as a hedge for investors concerned about inflation, geopolitical conflict, and confidence in central banks.

The performance of these metals also illustrates the rapid shifts in market sentiment and the complexity of derivatives-driven markets.

Industry forecasts suggest that 2026 should be much better for loan originations than the recent low years, especially for home purchases. Modest rate drops, slightly higher incomes, and more available homes should lead to more transactions, though the days of 3% refinancing booms are not returning soon. For loan officers, brokers, and lenders, this means 2026 will require careful pipeline management, strong referral networks, and marketing focused on education and creative, compliant solutions to affordability. These will be key to winning business in a market that is improving but remains challenging.

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I have been looking into recruiting real estate agents to work at NEXA LENDING and/or AXEN REALTY as a BDM

Can anyone explain what’s the BDM position entails and the difference between BDM AND DUALLY LICENSED MLO AND REALTOR. DO BDM POSITION NEEDS TO BE LICENSED as an MLO or REAL ESTATE AGENT? Explain the difference between the two positions and how you get compensated and how the fownline system works as well as the revenue share system. Thank you

Sunday Market & Mortgage News Report for February 8, 2026 (America/Chicago)

Snapshot of the livestock market (Sunday context)

With markets closed on Sunday, this update references Friday’s closing figures (February 6) and examines index futures for Sunday evening’s opening.

• On Friday, robust investor confidence propelled the Dow to 50,000 for the first time.
• Major indices rebounded following several consecutive days of losses.
• On Sunday night, S&P 500, Nasdaq, and Dow futures are the main real-time indicators.
• High trading volumes can cause futures prices to vary across markets.
• With hiring slowing and job openings declining, investors are more concerned about a late-cycle economic slowdown than economic overheating.

Investors are closely watching the delayed January jobs report, postponed by partial government shutdowns, and the upcoming inflation report. Both are expected to significantly influence stocks, bonds, and mortgage rates.

Fed + Bonds = Live Interest Rates

Fed policy rate: The Fed’s target range remains 3.50%–3.75% (most recently confirmed at the January FOMC meeting).

• 10-Year Treasury (a key mortgage benchmark): Freddie Mac’s latest report notes that mortgage rates are tied to the 10-year Treasury yield, now around 4.21%.
• Treasury Secretary Scott Bessent said the Federal Reserve is expected to proceed cautiously with balance sheet adjustments.
• The Federal Reserve’s asset management directly impacts long-term yields and mortgage rates. gage rates (what borrowers actually see)

Mortgage rates do not fluctuate in real time as stock prices do. The most reliable benchmark is Freddie Mac’s weekly Primary Mortgage Market Survey (PMMS): 6.11% (as of February 5, 2026).

• 15-year fixed: 5.50% (as of Feb. 5, 2026)

According to the Associated Press, as spring approaches, mortgage rates remain near 6%. High home prices and limited inventory continue to reduce housing affordability.

Live precious metals — silver volatility, “shorts,” and the manipulation debate

Silver: What actually happened (the big swing)

• Major news outlets confirmed a historic development in the silver market: prices reached about $121 per ounce in late January, then declined sharply, including a 27% one-day drop on January 30, before rebounding to the high $70s by February 6.
• Retail investors kept buying SLV despite falling prices, contributing to heightened volatility often described as ‘meme-like.’
• Reliable sources indicate the lowest price was in the mid-$60s, not $50. Analysts cite $50 as a forecast or risk target, not an actual low.

There is a perception that gold holds limited significance for Federal Reserve Chair Powell.

• At the end of January, Powell advised against treating precious metals as primary indicators of policy.
• The Federal Reserve evaluates the broader market context, and gold is not a central factor in its decision-making.
• Media reports emphasized that the Federal Reserve ‘doesn’t take much message’ from gold’s movements.

The “short position” story (what the data reveals)

The best public insight into futures positioning is the CFTC Commitments of Traders report.

• The position breakdown for COMEX Silver futures only as of 02/03/26 is:
• Non-Commercials (speculators): Long 38,883 vs Short 13,006 (net: +25,877)
• Commercials (hedgers/market makers/users): Long 35,248 vs Short 80,973 (net: -45,725)
• Open interest: 143,180 contracts

Commercials often maintain a net-short position, as miners, industrial users, and large dealers hedge inventory and future risks. While this is not evidence of market manipulation, it helps explain the prevalence of ‘big short’ narratives during major sell-offs.

• The distinction between proven cases of ‘big banks manipulating silver’ and speculation about JPMorgan is outlined below.
• Proven (historical): JPMorgan settled for a record $920M related to spoofing/manipulation of precious metals futures and related Treasuries (CFTC/DOJ actions).
• Not proven (current): There is no public evidence that any bank is currently ‘controlling’ or ‘manipulating’ silver prices.
• Such claims primarily arise from recent volatility.
• The most recent decline is attributed to market positioning, margin calls, liquidity constraints, and rapid changes in sentiment as institutional participation decreased and retail investor activity increased.

Silver Market And Price Forecast

Looking ahead, silver in early 2026 appears to be a high-beta, high-risk asset. Rapid capital inflows and crowded trades may cause sharp declines and quick recoveries.

• Negative labor market indicators are evident: most states now report only tens of thousands of job openings, a significant decrease.
• Layoffs: Planned layoffs have increased, with large announcements in transportation and technology.
• The Consumer Price Index (CPI) rose 2.7% over the past year as of January 2024.
• Ongoing increases in food and rent suggest debates about persistent inflation will continue.
• Employment reports have been delayed by the local government’s shutdown of the reporting agency, creating significant event risk for markets and mortgage pricing.

Housing Forecast: Outlook for 2026

While there is cautious optimism, the situation remains complex. The main factors currently shaping the market are:

• Mortgage rates have stabilized, averaging about 6% for key benchmarks.
• This has kept housing costs slightly elevated.
• Uncertainty remains the primary factor influencing the market.
• Policymakers frequently utilize official statements and guidance to influence prices and construction activity.
• Industry Volume Expectations: The Mortgage Bankers Association (MBA) projects single-family loan originations of about $2.2 trillion by 2026, with purchase activity outpacing refinances.
• The industry is expected to improve compared to 2025, despite ongoing volatility.
• The Federal Housing Finance Agency (FHFA) has increased conforming loan limits for 2026, which will impact pricing tiers for conventional loans.

Minnesota: Fraud Investigations

Federal investigations into social program fraud in Minnesota remain prominent, with substantial sums at stake as authorities work to determine the full extent of the issue.

Minnesota: ICE Controversy (and Why It Is Spreading Nationally)

• Recent reports indicate rising tensions about ICE, including allegations involving purported ICE agents.
• As these claims are often seen as partisan, it is best to approach viral stories with caution and verify information using primary sources when possible.

Chicago/Illinois: Mayor Brandon Johnson, Gov. Pritzker, ICE

• Chicago has issued an “ICE On Notice” executive order and a public communication order regarding the documentation of alleged federal agents’ misconduct.
• Reports indicate that Johnson continues to support this decision, despite ongoing friction regarding ‘Operation Midway Blitz’ and related enforcement issues.

California: “Economic Chaos” vs. Budget Reality

California’s budget situation is open to differing interpretations.

• California’s nonpartisan LAO previously projected a window of significant budget shortfall risk.
• However, the governor’s January proposal states a project.
• However, the governor’s January proposal states that the projected deficit has been resolved and discusses a ‘balanced budget’ for the next cycle.ani + “$12B hole”

New York City And Newly Elected Democrat Socialist

• New York City’s official statement says Mayor Zohran Mamdani called the $12B budget deficit for FY 2026-2027 an inherited problem from the last administration.
• The claim that ‘red states are going broke’ oversimplifies the issue.
• State finances depend on many factors, including tax policy, energy resources, demographics, and debt or pension obligations.
• It is more accurate to evaluate each state individually than to generalize based on political affiliation.

NEXA / AXEN Mortgage

• At the end of 2025, HousingWire reported that NEXA Mortgage rebranded as NEXA Lending, clarifying that this change did not mean an entry into retail.
• The affiliated partnership and emphasis on compliance among separate companies were covered by National Mortgage Professional.

Gustan Cho Associates + Subsidiaries + GCA Forums

• Gustan Cho Associates continues to position itself as a ‘one-stop’ national mortgage provider.
• GCA Forums platform was renamed from Great Content Authority Forums to Great Community Forums and restructured as a national community.
• Without external coverage, this information should be regarded as a company announcement.
• Users now benefit from improved navigation, an enhanced directory, a more advanced calculator, faster responses, and daily market news.
• The industry outlook for 2026 remains under consideration.

The industry is still sensitive to rates and policy, but there is more optimism now than in 2024 or 2025. Some refinance activity is expected in 2026, as long as mortgage rates stay in the mid-5% to low-6% range and the labor market cools without a major recession. This is the MBA’s forecast.

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• This discussion was modified 3 months ago by  Sapna Sharma.

Stock Market Information For Vanguard Real Estate Index Fund ETF (VNQ)

• Vanguard Real Estate Index Fund ETF is a fund in the USA market.
• The price is 90.8 USD currently with a change of 0.08 USD (0.00%) from the previous close.
• The latest open price was 90.46 USD and the intraday volume is 4617855.
• The intraday high is 90.82 USD and the intraday low is 89.67 USD.
• The latest trade time is Friday, January 30, 17:07:23 CST.

Daily National News Summary for GCA Forums News

As of Friday, January 30, 2026 (CT). Data reflects the latest public releases available as of today; market prices reflect Jan 30 trading.

Daily housing news: mortgage rates, foreclosure stats, CPI, jobs, inventory, home prices, stock market snapshot, and economic updates—clear takeaways.

National Headline News Driving Housing and Finance

Policy And Market Sentiment

• Housing-finance policy risk is back in focus after reporting that Federal Housing Finance Agency leadership authorized significantly larger potential mortgage-bond portfolio holdings for Fannie Mae and Freddie Mac—a move framed as rate-supportive, but criticized as adding systemic risk. (AP News)

• Home prices are still rising modestly nationally (nominally), with the latest federal index showing a 0.6% month-over-month gain in November and +1.9% year-over-year. (FHFA.gov)

• What it means for readers: policy headlines can move rates quickly, but affordability still hinges on (1) inventory, (2) incomes/jobs, and (3) inflation prints.

Today’s Housing and Mortgage Trends

Inventory Is Improving—Slowly—But Still Below “Normal”

• December showed active listings +12.1% YoY while homes took 4 days longer to sell; median list price was down 0.6% YoY. (Realtor)

• Realtor.com also noted inventory remains below 2017–2019 norms even after the rebound. (Media | Move, Inc.)

Existing-Home Sales Ended 2025 With Momentum—But Supply Stayed Tight

• Existing-home sales rose 5.1% in December to a 4.35M SAAR; median sales price $405,400 (+0.4% YoY). Inventory was 1.18M units (3.3 months’ supply). (Nar Realtor)

• Actionable insight: Buyers have more choices than last year, but the market is still “thin” in many metros—getting fully underwritten (or at least fully documented) remains a competitive edge.

Interest Rates and Mortgage Rates

Current Mortgage-Rate Benchmark

• The Freddie Mac PMMS showed the 30-year fixed averaged 6.10% for the week ending Jan 29, 2026 (15-year fixed 5.49%).

Demand Signals From Mortgage Applications

• The Mortgage Bankers Association reported applications down 8.5% (week ending Jan 23).

• Refi index -16% WoW but +156% YoY; purchase index -0.4% WoW. (MBA)

• What to watch next: rate direction will remain highly sensitive to inflation prints, labor data, and major policy headlines.

Economic And Financial DevelopmentsInflation Snapshot (CPI)

• U.S. Bureau of Labor Statistics reported CPI rose 0.4% in December; 12-month CPI: +2.7%. Core CPI (less food & energy) rose 0.2% in December; 12-month core: +2.6%. (Bureau of Labor Statistics)

Jobs And Unemployment

• The unemployment rate was 4.4% in December; total nonfarm payrolls +50,000 (BLS also noted the October employment report wasn’t issued due to a federal shutdown). (Bureau of Labor Statistics)

• Average hourly earnings rose 0.3% in December and +3.8% over the year. (Bureau of Labor Statistics)

GDP (timing note)

• The BEA calendar shows the Advance Estimate for Q4 2025 GDP is scheduled for Feb 20, 2026 (delayed).

• Reader translation: moderating inflation helps mortgage rates, but labor stability is what keeps housing demand from dropping sharply.

Live Foreclosure and Mortgage-Performance Stats

Foreclosures (latest national totals)

• ATTOM reported 322,103 U.S. properties with foreclosure filings in 2025 (down 14% from 2024). (Bureau of Labor Statistics)

• Some of the highest foreclosure rates (state-level) were led by Delaware, Nevada, and New Jersey in ATTOM’s year-end reporting.

Mortgage Performance / Delinquencies

• ICE reported the national delinquency rate fell to 3.68% in December (down 16 bps). (Mortgage Tech)

• Important note: “Real-time” foreclosure counts vary by data vendor and lag courthouse filings. For daily reporting, using the latest monthly/quarterly releases is the most defensible approach.

Housing Starts and New Construction

Latest Construction Signal (most recent government release)

• U.S. Census Bureau reported (latest available in the referenced release) building permits at 1.416M, housing starts at 1.256M, and completions at 1.573M (SAAR).

• Why it matters: sustained starts/completions are the long-term fix for affordability—but new supply takes time to hit the resale market.

Housing and Stock Market Data

Today’s Market Snapshot (real-estate linked)

• VNQ (Real Estate): $90.80 (+0.09%)

• ITB (Homebuilders): $102.03 (-1.30%)

• XHB (Homebuilders): $108.40 (-1.81%)

• SPY (S&P 500): $691.97 (-0.36%)

Home-Price Indices

• FHFA HPI: +0.6% MoM in Nov; +1.9% YoY. (FHFA.gov)

• Case-Shiller (national): +1.4% YoY in Nov (per release commentary). (Cotality)

Agency and Guideline Updates

Loan Limits (big 2026 change that impacts “jumbo vs conforming”)

• FHFA set the 2026 baseline conforming loan limit at $832,750 for most areas. (FHFA.gov)

HUD / FHA Highlights

• U.S. Department of Housing and Urban Development published FHA guidance establishing 2026 forward mortgage loan limits effective for case numbers assigned on/after Jan 1, 2026. (HUD)

• FHA also raised the HECM maximum claim amount to $1,249,125 for case numbers on/after Jan 1, 2026. (HUD)

Automobile Finance and SalesSales Pace

• Cox Automotive forecast January 2026 new-vehicle SAAR near 15.3M, down from December’s 16.1M pace. (Cox Automotive Inc.)

Payments and Rates

• Edmunds data cited by Investopedia showed average monthly car payment around $781 with average new-car APR about 6.7% (and growing use of 84-month terms). (Investopedia)

GCA Forums News FAQs

What Is The Current Average Mortgage Rate?

• Freddie Mac’s weekly benchmark put the 30-year fixed at 6.10% (week ending Jan 29, 2026).

Are Home Prices Falling or Rising Right Now?

• National measures show modest gains:
• FHFA reported +1.9% YoY in November. (FHFA.gov)

Is Housing Inventory Getting Better?

• Yes—active listings were up 12.1% YoY in December, though still below pre-2020 norms. (Realtor)

What Does CPI Have To Do With Mortgage Rates?

• Lower inflation readings can reduce pressure on long-term yields and mortgage rates.
• December CPI was +2.7% YoY and core +2.6% YoY. (Bureau of Labor Statistics)

Are Foreclosures Rising?

• ATTOM reported 2025 filings down 14% vs. 2024, though rates vary widely by state and metro. (Bureau of Labor Statistics)

What’s The New Conforming Loan Limit For 2026?

• The baseline limit is $832,750 in most counties (higher in high-cost areas). (FHFA.gov)

Are Buyers or Sellers in Control?

• It’s shifting toward balance: more listings and slightly softer prices in some areas, but supply remains tight in many markets. (Nar Realtor)

Virality Strategies for Today’s Post

Shareable hooks (copy/paste)

• “Mortgage rates are near 6.1% again—here’s what that changes for buyers this week.”

• “Inventory is up 12% year-over-year—but why does it still feel ‘tight’?” (Realtor)

• “Foreclosures fell in 2025, but which states are still flashing red?”

Quick infographic ideas (describe + publish)

1. “Housing Dashboard”: rates (30Y/15Y), inventory YoY, existing sales, CPI YoY, unemployment rate.

2. Map graphic: top 10 states by foreclosure rate (ATTOM list).

3. Two-line chart: FHFA YoY price growth vs. CPI YoY (simple “affordability pressure” visual). (FHFA.gov)

Calls-To-Action (GCA-aligned)

• “Discuss today’s numbers with real loan officers and real borrowers inside GCA Forums.”

• “Need a scenario review (DTI, credit, down payment)?

• Start a thread—Gustan Cho Associates can help map your best lane.”

apnews.com

Trump housing finance chief OKs more mortgage spending and adds risk for government-backed lenders

President Donald Trump’s federal housing finance director, Bill Pulte, quietly granted government-backed lenders the authority to nearly double a $200 billion bond purchase that Trump ordered to try to lower mortgage rates.

If I am an owner of a mortgage broker and licensed in three states can I get sponsored by NEXA MORTGAGE for other states my mortgage Broker company is not licensed in and do business being licensed under NEXA MORTGAGE? THEREFORE LICENSED BY TWO MORTGAGE COMPANIES AT THE SAME TIME.

Certain types of people become police officers. Many, like Jeremy DeWitte of Florida, are habitual police impersonators. Jeremy DeWitte wanted to become a police officer ever since he was a child. In high school, he enrolled in the police explorer program for those who wanted a career in law enforcement. The police wanna be Jeremy DeWitte impersonated a police officer when he was 17 years old at a gas station where he flashed a counterfeit badge to get a free badge. That ruins any chances of Jeremy DeWitte becoming a police officer. However, on over a dozen occasions, Jeremy DeWitte impersonated a police officer through his funeral escort business, Metro State. He has motorcycles and patrol cars resembling those of a police officer, and he has still stood in many outstanding trials of police impersonation. My question is what makes someone infatuated with becoming a police officer? Is it the power cops have? Is it the qualified immunity that police officers have? Is it because the wanna be cop got picked on in high school and now, since he is an adult, wants to get revenge by having a badge and a gun? Is it to impress women and get laid because many women love men in blue? Is it the power they have to control women and cuff them to get intimate with them? Do they understand that police officers only have qualified immunity and arrest power when hired by a law enforcement agency? Many educated people, like doctors and lawyers, give up their high-paying salaries to become a cop for a fraction of what they can make. Is there a study on why people have dreamed of being a law enforcement officer? What makes them want to become a cop?

https://www.youtube.com/watch?v=TwE6QGh_5RI

Is there a reason why silver and gold is getting crushed today? Both silver and gold tanked the past couple of days, especially silver where is plummeted over $32.00 plus an ounce which is a major blow to silver stackers. Price of silver plummeted hards in the past two days where many precious metals investors are panicking and on life support? Is silver going to continue crashing and tank in 2026 after skyrocketing from $30.00 to $120.00 an ounce in a matter of a few months> .Why is prrice of silver plummetting over 30% today? Both Gold and Silver are getting hammered where the spot price of silver is trading at $79.00 and spot price of gold is at $4,700.00 and ounce. In terms of percentage, silver is down 31% and gold is down 11%. Are the big banks manipulating the price of silver or is it a market correction. The sudden crash of precious metals, especially silver, seems like someone is manipulating the globally widely talked about precious metal of choice. If you can share any information why silver go down so much today, it would be greatly appreciated. Financial Analysts and Economists at Great Community Authority Forums (GCA FORUMS) still have a strong buy recommendation on both gold and silver and have not changed their stance on their strong buy recommendation and forecast of silver at surpassing $1,000 per ounce in the next six to eighteen months.

https://silverprice.org/

silverprice.org

Silver Price

Where the world checks the gold price

Left alone on an island after 65 other lab chimpanzees perished, Ponso became known as ‘the loneliest chimp on Earth.’ His heartbreaking story captured the world’s attention — but it was the arrival of chimpanzee expert Estelle Raballand that brought him hope. What started as a rescue visit turned into something much deeper, as Estelle formed a powerful bond with Ponso and made it her mission to change his life.

With a dream to build a sanctuary in the Ivory Coast and a plan to introduce Ponso to a possible companion named Nikla, Estelle’s journey is full of heart, patience and purpose. From emotional first meetings to moments of cautious joy, this is a moving story of resilience, second chances and the quiet strength of connection. Don’t miss this unforgettable story in this episode of Dodo Heroes.

https://youtu.be/gSA1o7Wx3xA?si=0eCqbem-NT6B1sGo

There’s a video series about several pet monkeys. Little pet monkeys are extremely intelligent and cute.

Considering A Pet Macaque Monkey

Insights, Availability, Costs, and Wisconsin Regulations.

You might think owning a monkey is an interesting idea, especially bear macaw mandrills for pets. These monkeys are known for their extreme intelligence and very sophisticated social customs. Their faces are expressive with distinctive features and immensely playful. Therefore, some people consider them exotic pets. But there is a need to ponder a bit deeper before adopting a pet monkey, particularly a baby macaque monkey. This requires consideration of various important factors, including cost, availability, and legal issues, especially in Wisconsin.

Understanding Macaque Monkeys as Pets

Having a pet monkey is like having a small, adorable friend in your home. These pets are also considered very intelligent. They have sophisticated family structures. Macques live in social groups and engage in various physical and mental activities. Suppose they are kept in a domesticated setting like a house or an apartment. In that case, it’s very difficult to replicate this, which can cause severe behavioral problems. An owner must accommodate a multi-dimensional approach to meeting a Macaque’s needs. People wanting these pets should also be ready for the commitment because pet monkeys, particularly macaques, can live for decades.

Availability and Cost of Baby Macaque Monkeys

Contact trusted breeders or exotic pet shops to buy a pet monkey or baby macaque.

Here are several websites that are useful guides in your search.

Supreme Exotic Animals for Sale:

• This website offers several varieties of baby macaques for sale.
• One of the babies, Lily, is listed for roughly $750.
• supremeexoticanimalsforsale.com

General Monkeys for Adoption:

• Another website offers black long-tail macaques for about $1,200 and pigtail macaques for around $900 to $1,000.
• generalmonkeysforadoption.com

Exotic Animals for Sale:

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing.

Exotic Animals for Sale:

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing. ​
• exoticpetsforsale.com.

It’s crucial to note that prices can fluctuate based on factors such as age, health, and monkey rarity. The initial purchase price is just the beginning. Ongoing costs include specialized diets, veterinary care, and suitable housing to ensure the monkey’s well-being. ​

Legal Considerations in Wisconsin

• Before acquiring a macaque monkey, it’s imperative to understand the legal landscape in your state.
• Wisconsin’s regulations regarding exotic pets are nuanced:

Exotic Animals for Sale

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing. ​
• dinocalifornia.com

Wisconsin Is Watching

General Regulations:

• Wisconsin is among the states with relatively lenient laws concerning the ownership of non-native species.
• Owning a monkey, or almost any other non-native animal species, is currently legal in Wisconsin.

It is among five states:

• Alabama
• Nevada
• North Carolina and South Carolina

The above states are the other states with no bans on owning ‘dangerous’ exotic animals. ​

Check out the link for further information.

• Blackfeminity.com
• Dinocalifornia.com

Wisconsin Watch: Animal Law

Importation Requirements:

• A General Import Permit application is necessary if the animals are privately owned and relocated to Wisconsin.
• Different permit applications exist for some animals, such as those in a rodeo, circus, or menagerie visiting Wisconsin briefly.

Restrictions on Local Ordinances:

• While state laws may allow certain exotic animal ownership, local city or county laws might be more restrictive.
• You should check with local authorities to ensure you abide by all relevant laws.

Perspectives From Current Monkey Owners

The following information may be helpful for current pet owners of monkeys:

Social Media Groups:

• Facebook has groups that serve as communities where enthusiasts and owners can share experiences.
• For instance, one user posted about some ‘adorable’ capuchin monkeys for sale, and comments highlighted how sweet and playful they are.

Educational Videos:

Some mini-documentaries feature “pet monkeys,” showing how smart and charismatic they can be. One video of a pet monkey named “Lilly,” who lives in Vietnam, shows how much love this monkey has for her owner. It is as if she is a mother to a young child.

Ultimately

As tempting as it may be to own a baby macaque monkey, proper research and preparation is advised:

Ongoing Responsibility:

• Macaques regularly need your attention, time, and resources.
• Their care is complex, and their lifespan can reach several decades.

Moral and Legal Duty:

• Ensure that, at the first stage, owning a macaque will adhere to all legal terms.
• Remember the moral issues for keeping a wild animal as a pet.

World Population Review

Other types of engagement:

• If ownership appears difficult, consider donations to primate rescue facilities or volunteer activities that allow hands-on involvement without requiring permanent placement.

To sum up, some pet owners may find it rewarding on some level to have pet macaque monkeys, but they need to be mindful of the obligations and difficulties that come with it. Those willing to leap should know and be ready to tackle these issues for harmonious coexistence with their primate pet.

They are no different than having a little kid that normally behaves. Each pet monkey has its own personality. Anyone raise a pet monkey? Watch this short video. The owner of Lilly lives in Vietnam. This video will make your day. 😍

https://youtu.be/HhVmi-if1yU?si=RY380dlthSfvqHsY

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

Illinois is facing a historic corporate exodus as some of the world’s most iconic companies abandon their headquarters. This video explores the staggering $143 million loss Boeing took when it sold its Chicago riverfront tower for just $22 million—a massive 87% drop in value.
We dive into the data behind the departures of Boeing, Caterpillar, Citadel, and Tyson Foods. From the ignored economic warnings of 2012 to a $140 billion pension crisis and the third-highest corporate tax rate in the nation, we look at the systemic issues driving billions of dollars in wealth out of the state.

Want to verify the facts in this video? Here are all the credible sources we used for our research:

Boeing Sale & Departure:

Corporate Exodus (Caterpillar & Citadel):

Illinois Pension Crisis:

Incompetent leadership

Highest taxes

Major crime rates

https://youtu.be/Sn_r_fsU3jg?si=OmadHbABpaD6l1-v

• This discussion was modified 3 months, 2 weeks ago by  Gunner.

GCA Forums News For Friday January 9 2026:

At the beginning of 2026, the U.S. economy experienced rising prices, uncertain interest and mortgage rates, and instability in the housing market. Volatility in silver and other precious metals has renewed debates over the value of paper versus tangible investments and highlighted how major banks are positioning themselves. Additionally, high-profile events such as the arrest of Venezuela’s Nicolás Maduro in New York and a significant welfare fraud case in Minnesota have drawn attention to corruption, potential housing market risks, and the effectiveness of President Trump’s economic and legal strategies.

The U.S. stock market entered 2026 with new inflation data but no policy changes. Updates on employment, tariffs, and Federal Reserve rates are shaping investor sentiment. Treasury yields have increased since January and remain elevated, although borrowing has become somewhat easier. These rates, however, are still below their pandemic peak.

Federal Reserve Board

• The Federal Reserve has maintained low short-term rates, with the 2-year Treasury near 3.5%.
• This indicates the market does not anticipate significant rate cuts this year.
• Investors are weighing the risks of high government debt and rising prices, and are adjusting their long-term Treasury forecasts accordingly.
• The 30-year Treasury rate is just under 4.9%. day’s 30-year fixed mortgage rates are between 6.1% and 6.2%.
• That’s lower than last year’s 7%, but still about double the very low rates from 2020 and 2021, making it hard for many people to buy a home.
• Fifteen-year fixed mortgages are currently available at rates ranging from 5.4% to 5.5%.
• These lower rates are appealing, but the monthly payments are higher because the loan is paid off faster.
• Government-backed loans provide some relief: 30-year FHA and USDA mortgages are just under 6%, and VA loans are in the high 5% range, supporting first-time buyers and veterans.
• For auto loans, credit unions offer rates in the low to mid-3% range, but most borrowers receive rates between 7% and 9% for good credit, with higher rates for poor credit.
• Rising car prices and higher rates are making car payments increasingly difficult to manage.

Silver, Precious Metals, and Shorts on Banks

• Silver is trading at $78.74 today, up from $58 a month ago and significantly higher than $30 a year ago.
• Prices remain volatile, with silver briefly surpassing $80 earlier this week before falling back to the mid-$70s.
• These rapid fluctuations are driven by profit-taking and forced sales on risky positions.
• Experts attribute this volatility to several factors: limited mine supply, strong demand from solar panels, electric vehicles, and electronics, ongoing supply chain issues, and more investors seeking tangible assets as inflation stays above the Fed’s 2% target.
• Because the silver market is smaller than gold, large trades by funds or investors have a greater impact.
• The gap between paper silver (contracts and accounts) and physical silver (coins and bars) has widened, with premiums rising sharply during price swings and concerns about counterparties.
• When prices surge, physical silver often becomes scarce and premiums increase, exposing market vulnerabilities.
• CFTC commentary and Bank Participation Reports show that a few large banks, including JPMorgan, have at times held significant net short positions in COMEX silver.
• One analysis found a single bank’s short position equaled 25% of annual global production.
• Some suggest these positions are hedged against industrial flows or OTC derivatives.
• Regulators have documented the concentration but have not found clear evidence of manipulation in recent data.

Silver Price Forecast

• Looking ahead to 2026 and 2027, experts believe silver will remain strong due to limLooking ahead to 2026 and 2027, experts expect silver to remain strong due to limited supply and steady industrial demand, but caution that prices may be highly volatile and could drop sharply.
• If inflation stays near 2.5% and the Fed does not lower rates, most anticipate silver will trade within a wide range, with a risk of decline if returns on safe investments increase.
• Many Americans planning to buy or sell homes in 2026 are preparing for potential market instability, but most buyers, sellers, and agents remain optimistic, viewing the year as challenging yet promising rather than disastrous.elp balance the market.
• However, by year’s end, there will still be 12% fewer homes for sale than before 2020.
• Economists warn that a weak job market and persistent inflation could trigger a crisis similar to 2008.
• However, most forecasts do not predict a recession or major policy changes, instead expecting a gradual return to normal economic conditions.

The Fed, Mortgage Rates, and Treasuries.

The 10-year Treasury rate, currently at 4.17%, has a significant impact on mortgage rates. Despite higher rates, the mortgage market remains active. The Fed expects inflation to stay low and is prepared to cut rates if needed, which helps mortgage lenders even when rates are high.

The mortgage industry is poised for a wave of consolidation as smaller companies struggle to keep pace. High inflation, rising rates, shrinking profits, and more regulations are narrowing The mortgage industry is set for consolidation as smaller firms struggle to compete. High inflation, rising rates, shrinking profits, and increased regulation are narrowing the market. Large, tech-driven platforms with diverse services and adaptable brokerage teams are emerging as leaders. Companies like Nexa Mortgage are thriving due to multiple lender options and competitive pricing. Gustan Cho Associates’ broker-first approach has consistently outperformed peers, driven by efficient operations and a focus on home purchases. Recent inflation data show U.S. prices rising about 2.6% over the past year, the lowest in years but still above the Fed’s target. Early 2026 models suggest prices are increasing 0.2% to 0.3% per month, indicating a gradual slowdown, though tariffs and energy prices continue to create uncertainty.ousing costs, rising credit card rates, and political issues are making things tougher for small businesses and families.

U.S. – Venezuela Relations

US-Venezuela relations have escalated after US forces captured Venezuelan President Nicolas Maduro and his wife, Cilia Flores, and transported them to New York City to face long-standing charges of narcoterrorism and cocaine trafficking. They have been processed in federal court in the Southern District of New York, where a superseding indictment includes a 25-year conspiracy to smuggle cocaine to the U.S. in collusion with Colombian guerrilla fighters and terrorist-designated organizations.

The charges include conspiracy to commit narcoterrorism, cocaine-importation conspiracy, and related weapons offenses, all carrying lengthy minimum sentences and possible life imprisonment. Legal experts note the unprecedented nature of arresting a sitting head of state on drug charges, raising complex issues of sovereignty and international law. The US maintains that this is a law enforcement action to address the drug crisis, while the defense plans to challenge jurisdiction and legality.

Governor Walz and Minnesota Welfare Fraud

The expanding scope of fraud in Minnesota’s welfare system has drawn federal prosecutors and auditors, who now estimate $9 billion in taxpayer funds were stolen through child-nutrition and laundering schemes.

• The Feeding Our Future case is a notable example of such fraud.
• The group allegedly billed for thousands of meals never provided and used the money for luxury real estate, cars, and overseas properties.
• The House Oversight Committee is investigating social services in Minnesota, focusing on state governance and ordering the governor and attorney general to submit records and testify about what they knew and when.
• While this major investigation has led to accusations of “extreme corruption” during the Walz administration, recent public documents focus on the lack of oversight.
• There is still no evidence to substantiate charges against Walz and Ellison in the pending criminal case, nor evidence to support state criminal charges for lack of oversight.

Chicago, Illinois, and Sanctuary Cities:

• Illinois has seen a steady population decline for years, with over 1.6 million residents leaving since 2000, many of them young and highly educated. High taxes, crime, poor schools, and weak public services are the main drivers.
• While new residents, particularly immigrants to sanctuary cities, may slow the decline, the issue remains significant.
• Chicago remains a major sanctuary city, with over 50,000 immigrants arriving since 2022.
• This influx has created financial and management challenges.
• City council debates on Welcoming City rules, shelter budgets, and cooperation with federal immigration officials highlight the balance between supporting newcomers and ensuring public safety.

Auto and Related Industries – Financing

• The U.S. auto industry is facing stagnant sales, high car prices, increased borrowing costs, and continued investment in electric and hybrid vehicles.
• Dealers and lenders say that monthly payment limits now determine what they can offer, especially for loans with rates under 7-9% over seven years, which spreads out interest costs.
• A modest increase in car sales is expected for 2026, driven by pent-up demand from individuals and companies.
• However, this optimism may fade if the economy weakens or interest rates rise, making purchases more difficult and increasing dealer inventories.
• Both public and private conversations show that Trump’s influence is complicated.
• Many people, especially business owners, appreciate his tax cuts and reduced regulations; however, there is still considerable frustration over his views on immigration, trade disputes, and increased regulations, as well as concerns about democracy.
• Bondi has advanced as far as possible in defending the Maduro prosecution, reinforcing the Justice Department’s focus on transnational crime.
• Due to her close ties to Trump, Patel has been rumored in media circles to hold significant roles in Justice and the Intelligence Community.
• However, the public remains unclear about Patel’s involvement, particularly regarding corruption and her recently released subordinate.
• Patel has largely remained out of the spotlight, especially given concerns about the Trump Administration’s approach to the rule of law.
• Media speculation about Patel’s influence within the Administration persists, reflecting ongoing uncertainty about his role.
• Bondi has reached the highest level in defending the Maduro prosecution, reinforcing the Justice Department’s commitment to transnational crime. Due to her close relationship with Trump,
• Patel has been the subject of media speculation regarding significant roles in Justice and the Intelligence Community, though the public remains uncertain about Patel’s involvement, particularly in relation to corruption and his recently released subordinate.
• Patel has largely stayed out of the public eye, especially amid concerns about the Trump Administration’s approach to the rule of law.
• Media speculation about Patel’s influence within the Administration continues, highlighting ongoing ambiguity about his role.

https://www.youtube.com/watch?v=WoS4zt4OZNU

• This discussion was modified 4 months ago by  Gunner.

You do not need perfect credit or high credit scores to qualify for a mortgage loan. Every loan program require a minimum credit score. Besides HUD, VA, USDA, FANNIE MAE, FREDDIE MAC, or non-QM portfolio lenders requiring a minimum credit score, each lender can impose lender overlays on credit scores. Lender overlays are additional credit score requirements above and beyond the minimum agency mortgage guidelines imposed by each individual mortgage lender. Regardless of the minimum credit scores required, all lenders will normally want to see timely payment history in the past 12 months. Regardless of the prior bad credit you have, having timely payment on all of your monthly debt payments that report on the three credit reports is crucial. Do not worry about prior collections, charge-off accounts, late payments, or other derogatory credit tradelines unless you are going though a manual underwrite on FHA loans. HUD manual underwriting guidelines require timely payments in the past 24 months. VA manual underwriting guidelines require timely payments in the past 12 months. In many instances when you get an approve/eligible per automated underwriting system but late payments in the past 24 months, the lender may down grade your file to a manual underwrite. The best solution for you to increase your credit scores and strenghen your credit profile with recent late payments is adding positive credit with new credit. Please read this guide on how to boost your credit to get approved for a mortgage: Capital One Secured Credit Card will get you a $250 secured credit card with a $50 deposit. Self.Inc is a bank that has a phenomenal credit rebuilder program where you can make a monthly deposit as small as $25.00 per month. That monthly deposit goes towards a savings account but it reports as an installment loan to all three credit bureaus. Get a Discover secured card. Secured credit cards are the same as unsecured traditional credit card. The only difference is you need to put a deposit. The amount of deposit is the amount of credit you get by the credit card company. You need to make timely minimum monthly payments on your secured credit cards. Just start with these three creditors and you will see wonders in the weeks and months ahead. I will cover some quick fixes for you to increase your credit scores fast and at the end of this topic thread, I will list helpful resources on boosting your credit to qualify for a mortgage, how to reach a human at the credit bureaus, and how to rebuild your credit:

1. Capital One Secured Credit Card

2. Self.Inc

3. Discover Secured Credit Card

As time pass and you make timely payments, your secured credit card company will increase your credit limit without asking your to put additional deposit. If you can get more secured credit cards, it will expedite your credit rebuilding process. However, you should at least start with the above three creditors.

Improving your credit scores and rebuilding credit can be crucial when seeking mortgage approval. Here are some effective strategies to consider:

Review your credit reports: Obtain copies of your credit reports from the three major credit bureaus (Experian, Equifax, and TransUnion. Identify and dispute any errors or inaccuracies that may be negatively impacting your credit scores.

Pay bills on time: Payment history is the most significant factor affecting your credit scores. Make sure to pay all your bills (credit cards, loans, utilities, etc.) on time, every time. Set up automatic payments or payment reminders if necessary.

Reduce credit card balances: High credit card balances can hurt your credit utilization ratio, which accounts for a significant portion of your credit scores.

Aim to keep your credit card balances below 30% of your total available credit limit. Consider paying off credit cards with the highest balances first.

Don’t close unused credit cards: Closing credit cards can inadvertently increase your credit utilization ratio and decrease your overall available credit. Keep unused credit cards open, but avoid using them to maintain a low credit utilization ratio.

Increase credit limit: Request a credit limit increase from your credit card issuers, which can improve your credit utilization ratio. Be sure to handle the increased credit limit responsibly and avoid overspending.

Limit new credit applications: Each credit application results in a hard inquiry on your credit report, which can temporarily lower your credit scores. Limit credit applications only to when absolutely necessary.

Use different types of credit: Having a mix of different types of credit (e.g., credit cards, auto loans, personal loans) can positively impact your credit scores. Consider taking out a small loan or opening a new credit card account if you have limited credit types.

Monitor your credit regularly: Check your credit reports and scores periodically to ensure accuracy and track your progress. Consider signing up for a credit monitoring service to receive alerts for any changes to your credit profile.

Be patient and consistent: Rebuilding credit takes time and consistent effort. Stick to responsible credit habits, and your credit scores should gradually improve, increasing your chances of mortgage approval.

Remember, lenders evaluate various factors beyond just credit scores when considering mortgage applications. However, improving your credit scores and maintaining a healthy credit profile can significantly increase your chances of getting approved for a mortgage with favorable terms.

https://gustancho.com/boost-your-credit-with-new-credit/

gustancho.com

Boost Your Credit With New Credit To Qualify For A Mortgage

Boost your credit with new credit to qualify for a mortgage . New secured credit cards and credit builder loans increases credit scores for mortgage

GCA Forums News Report, Breaking News: Saturday, January 10, 2026.STOCK MARKET LIVE REPORTS AND BONDED MARKETS:

The S&P 500 went up 0.5% to 4,500, while the Dow Jones stayed at 36,100. The NASDAQ jumped 0.8% to end at 15,200. At the same time, the 10-year Treasury yield dropped to 3.45%, showing that investors are less sure about the Federal Reserve’s plan to buy bonds.

LIVE INTEREST RATES:

• Average rates are now 7.25% for 30-year fixed mortgages, 6.85% for 15-year fixed mortgages, and 6.40% for adjustable-rate loans.
• Despite these high rates, many first-time buyers continue to enter the market.

LIVE PRECIOUS METALS PER OUNCE:

• Silver prices surged past $82.00, then declined to $70.00, and ultimately settled at $76.00.
• This significant fluctuation illustrates the unpredictability of the market.
• Advisors predict that these price changes will likely persist.
• Unless JPMorgan Chase stops betting that silver prices will fall, experts think prices will move between $72.00 and $78.00 next week.

LIVE DIFFERENCE BETWEEN PAPER AND PHYSICAL SILVER:

• Paper silver is selling for over $74.00, but real silver costs almost $80.00 because there is a limited supply available.
• This growing disparity is causing more price fluctuations, and as a result, more people are turning to real silver to safeguard their wealth.

LIVE HOUSING MARKET AND MORTGAGE MARKET FORECAST:

• The housing market is showing signs of a bubble, with prices going up and fewer homes for sale.
• Experts warn that if interest rates suddenly rise, it could cause a drop similar to what happened in 2008.
• Rising prices and high borrowing costs are making things tough for the mortgage industry.
• The U.S. Treasury market is being affected by higher mortgage rates, which are a result of the Federal Reserve’s strict monetary policies.
• These higher rates are making it increasingly difficult for many people to afford a home.

LIVE INFLATION AND ECONOMIC NEWS

• With inflation rising to 5.6%, the economy is under pressure.
• People remain concerned about a potential housing bubble and its potential consequences.

VENEZUELA PRESIDENT MADURO AND DRUG TRAFFICKING CHARGES

• U.S. authorities have taken Venezuelan President Maduro and his wife into custody in New York on drug trafficking charges, a move likely to escalate diplomatic tensions between the two nations.

MINNESOTA WELFARE FRAUD NEWS

• Reports indicate that both the Minnesota Attorney General and Governor Tim Walz may be under investigation for potential welfare fraud.
• This developing story could lead to political trouble and further public anger in Minnesota.

MINNEAPOLIS MAYOR’S RANT AGAINST ICE:

• The Mayor of Minneapolis has ordered ICE to leave the city, intensifying the ongoing clash over U.S. immigration policy in sanctuary cities.

PRESIDENT TRUMP’S APPOINTMENT OF ASSISTANT ATTORNEY GENERAL

• President Trump has named a new Assistant Attorney General to tackle national corruption, with Pam Bondi and Kash Patel poised to take center stage in the fight against corruption.

LIVE CHICAGO AND SANCTUARY CITIES NEWS

• Across Illinois, businesses and individuals are steadily leaving due to government corruption and high taxes.
• This movement is having a clear effect on the state’s economy.

MORTGAGE INDUSTRY SURVIVAL

• The mortgage industry continues to struggle with high housing costs.
• Some companies are struggling, but others are finding ways to succeed with the new rates.
• Gustin Cho Associates has developed innovative solutions to support its clients, and NEXA Mortgage is performing better than many others.
• Examining the automotive industry.
• Higher loan rates and shifting customer preferences are putting pressure on the automotive industry.
• Still, these slow changes in demand could ultimately benefit the overall economy. to the broader economy.

PRESIDENT TRUMP’S POLITICAL STATUS

• Even with legal troubles ahead, President Trump’s main supporters are staying loyal.
• Most political and business groups still support him, though some business leaders disagree.
• There is also discussion of possible leadership changes involving Kash Patel and Pam Bondi.

https://www.youtube.com/watch?v=TrOLfAqs6xE

Does anyone know more about the Minnesota Welfare Fraud Scandal? What exactly happened and how did it start? How can a state embezzle billions of dollars and get away with it. I heard that Somali people, many without legal immigration status to live in the United States were the majority ethnic group stealing billions of dollars. Saw many news reports where Somali Daycare Owners driving Lamborghini’s and Ferrari’s exotic cars. These fraudster had daycare centers but it was empty. Can you please give us a comprehensive report about the Welfare Fraud in Minnesota, the potential fraud investigation against Governor Tim Waltz, and Minnesota Attorney General Keith Ellison, and the rampant with vulgar language of Minneapolis Mayor. Also hear that the Welfare Fraud is widespread and could spread out to other states. Many sources say that Illinois is the most corrupt state in the country and the Fraud in Illinois should be much worse than of Minnesota. What is going on with this country. The ringleaders are most likely politicians, and government workers. Is Congresswoman Ilan Omar part of the Minnesota Welfare Fraud Scandal?

https://www.youtube.com/watch?v=_Mmxqn-EVOs