Loan Officer Harlan
Loan OfficerForum Replies Created
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Who is Kamala Harris? This is the question John Stossel asks. Kamala Harris strongly banned fracking. Kamala Harris wanted universal government Healthcare. Now, she doesn’t support government Healthcare. She wanted to defund the police. She wanted government benefits for illegal immigrants. Now, she wants to enforce the border and deport illegal immigrants. She wants us to be woke. Not that she’s against it. Kamala Harris wanted to exercise executive power and confiscate our guns the day she got elected President. Now she’s pro-Second Amendment. She believed in censorship and is now a proponent of the First Amendment. Who’s Kamala Harris? Kamala Harris is the world’s biggest hypocrite and liar on planet EARTH.
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o remove a 30-day late payment from your credit report, you can try the following steps:
- Contact the Creditor: Request a goodwill adjustment if you have a good payment history.
- Dispute the Late Payment: If the late payment is incorrect, dispute it with the credit bureaus.
- Negotiate a Pay-for-Delete Agreement: If applicable, offer to pay the balance in exchange for removing the late payment.
- Request a Rapid Rescore: If the creditor agrees to remove the late payment, your lender can request a rapid rescore.
Persistence and maintaining good credit habits can help improve your credit over time.
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Yes, you are correct Danny. Gustan Cho Associates is members of BBB
bbb.org
Gustan Cho Associates | Better Business Bureau® Profile
BBB accredited since 4/22/2022. Mortgage Broker in Oakbrook Terrace, IL. See BBB rating, reviews, complaints, get a quote & more.
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I referred my sister to Marine Credit Union in Racine, Wisconsin. She’s very happy with the services offered at the Credit Union.
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For answering about salaries, housing costs, and affordable living in California:
Wages (2023):
Median and average wages (as of 2023):
Median annual wage for full-time workers: $62,000
Average annual salary: $75,000
Home prices (2023):
Housing Prices (2023)
Median home price: $750,000
Average home price: $800,000
Rent prices vary greatly in different parts of the state as well. Below are some examples:
Rent Prices by City
San Francisco: $3000-$4000/month for a one-bedroom apartment
Los Angeles: $2000-$3000/month for a one-bedroom apartment
Sacramento: $1500-$2000/month for a one-bedroom apartment
Fresno: $1000-$1500/month for a one-bedroom apartment
Many people find it difficult to afford to live in California. Some ways they do this are:
Living with roommates or family members.
Commuting from cheaper areas.
Seeking higher-paying jobs or taking on multiple income streams.
Being cautious about spending and cutting back on non-essential expenses.
Taking advantage of public assistance programs when applicable.
Saving money and investing for the future.
Raising a family of five in California is especially tough. People might try the following strategies:
Both parents work – often in high-paying fields.
Finding less expensive parts of the state to live in.
Budgeting wisely and preparing financially.
Using tax credits and deductions geared toward families. Cultivating additional income through side gigs or investments. Cutting costs through things like buying items in bulk, etc.
It should be noted that many people need help with these high costs; affordability remains an issue throughout much of California. Some decide to move within the state — while others leave altogether.
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Can you explain more in detail about FHA Jumbo Loans or High-Balance FHA Jumbo Loans? The down payment requirements, the debt-to-income ratio, the credit and income guidelines, and the difference between FHA jumbo versus traditional FHA loans?
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I would like more information on every specific aspects of these non-QM 1099 income mortgage loans including owner-occupant homes, second homes, and investment homes as well as the eligibility requirements, credit scores, down payment, and types of properties that can be financed. Thank you in advance.
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I would like more information getting a mortgage with 1099 income with no income taxes and 1099-income only. I like to know more about non-QM loans that are 1099 income only, with one year 1099 income only and the various types of 1099 income only mortgage loans. I also would like to know the non-QM 1099-income only mortgage loan process, from qualification to closing.
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Let us analyze California’s living situation and then mention some of the best places for families with good job opportunities.
Pros of living in California:
- Various kinds of land and natural beauty.
- The climate is generally mild in many parts.
- Cultural diversity and many multicultural experiences.
- A strong economy with jobs in different fields.
- World-class universities and schools.
- The technology industry, especially in Silicon Valley, is where many innovations are being made.
- Outdoor activities are abundant here; you will never get bored!
In California, you can find different types of food from all over the world. It’s like having a restaurant at every corner. The entertainment capital of the world is situated right here. Hollywood exists only because Los Angeles does, and so does Broadway because New York City does. You name them; they all exist because California is their home base or point zero.
Progressive policies on social issues.
Cons of living in California:
- Cost-of-living, including high housing prices.
- It makes it difficult for people to afford the homes or apartments they might want.
- High state income tax rates (that are second only to Hawaii).
- Traffic congestion – especially during rush hours.
- Traffic congestion can be bad in major cities like LA or the San Francisco Bay Area, where millions commute daily from suburbs far away just trying not to spend half their life behind the wheel, stuck bumper-to-bumper traffic-jammed freeways going nowhere fast while burning gallons of precious gasoline, polluting our air quality further degrading health everyone.
- We are concerned about this most pressing issue facing humanity today, where climate change threatens to wipe out species forever if we don’t act now.
- Still no sign of Climate Change action happening despite scientists and politicians’ repeated warnings.
- Politicians seem more interested in padding their bank accounts and feathering their own nests rather than saving the planet. Future generations should have the opportunity to enjoy the same wonderful things we have experienced growing up, not least beautiful, pristine wilderness areas, mountains, rivers, valleys, and deserts filled with unique plants, animals, birds, fish, reptiles, insects, etcetera biodiversity hotspots such as these few remaining on earth today.
Droughts are common in this area because it hardly ever rains. Southern California has been experiencing drought years for decades now; however, there is still no sign of any significant change happening anytime soon.
Earthquakes can be devastating events that happen without warning. Earthquakes cause massive destruction, often killing many people too who were just going about their daily lives. Without so much as a blinking eye ground beneath them, Earthquakes can violently knock buildings down onto streets and flip cars over. Earthquakes can set ablaze gas lines and explode, igniting fires everywhere. Earthquakes can break water mains, flood streets, and turn roads into rivers right before our eyes. There are still no signs of help coming despite repeated warnings from experts and government officials alike, who seem more interested in lining pockets and filling coffers. Politicians and government workers seem to not care about the public and Californians. Politicians and government workers should make the citizens’ safety and well-being the number one priority and come up with solutions to prevent such disasters from occurring in the first place. Everyone knows it is only a matter of time until something like this happens sooner or later somewhere around here, but oh well.
