GCA Mortgage Forums | Hector | Favorites https://gcaforums.com/members/hectorm/activity/favorites/ Activity feed of Hector's saved posts. Sun, 25 Oct 2026 16:38:05 +0000 https://buddypress.org/?v=3.6.2 en-US 30 hourly 2 4f0abe5c5b3a6866d4ff85edb0931585 Gustan Cho replied to the discussion VA Loan With Recent 60 Day Recent Credit Card Late Payment in the forum Mortgage Underwriting Help Desk https://gcaforums.com/topic/va-loan-with-recent-60-day-recent-credit-card-late-payment/#post-39540 Thu, 01 Oct 2026 20:06:15 +0000 Reply to VA Loan With Recent 60 Day Recent Credit Card Late Payment

Based on your credit scores. Julio and Hector, rates have been the highest in 18 months. I want to work with you to boost your credit scores. I am not locking it now. I am floating it until I see rates plunge, or before we get clear to close. I don’t mind you getting a little higher rate because I can help you, or Allison and I have six…

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]]> 61b8cbd249ea227e315b483f38d4e8ec Hector replied to the discussion VA Loan With Recent 60 Day Recent Credit Card Late Payment in the forum Mortgage Underwriting Help Desk https://gcaforums.com/topic/va-loan-with-recent-60-day-recent-credit-card-late-payment/#post-39539 Thu, 01 Oct 2026 20:03:19 +0000 Reply to VA Loan With Recent 60 Day Recent Credit Card Late Payment

Good morning, Gustan,

Good morning, Marga,

What will be my VA rate, and how many points? Concerning my pre-approval letter.

Best Regards

Julio M.

]]> 4e7b22aca9e4be81261a5d6b9be0cc43 Connie replied to the discussion VA Loan With Recent 60 Day Recent Credit Card Late Payment in the forum Mortgage Underwriting Help Desk https://gcaforums.com/topic/va-loan-with-recent-60-day-recent-credit-card-late-payment/#post-39538 Thu, 01 Oct 2026 20:01:04 +0000 Reply to VA Loan With Recent 60 Day Recent Credit Card Late Payment

Julio,

Good afternoon. To issue the pre-approval letter, we need your tri merge credit report. You can order it via the link below. Thank you!

https://credit.advcredit.com/<wbr>smartpay/SmartPay.aspx?uid=<wbr>709be5e9-1749-4654-b912-<wbr>8eed097d00a3#forward

Connie

credit.advcredit.com

SmartPay

SmartPay

]]> b79fcb3da63e353b01dd9a381b1b95a7 Connie replied to the discussion VA Loan With Recent 60 Day Recent Credit Card Late Payment in the forum Mortgage Underwriting Help Desk https://gcaforums.com/topic/va-loan-with-recent-60-day-recent-credit-card-late-payment/#post-39537 Thu, 01 Oct 2026 19:58:38 +0000 Reply to VA Loan With Recent 60 Day Recent Credit Card Late Payment

Hi Julio,

Thank you for your service, and we appreciate the kind words about Gustan and Marga.

Yes, please add your wife as the co-applicant on the credit-report order. Because the property is in California, we need to review both spouses’ credit and liabilities to determine the best loan structure, even if only one spouse will be on the…

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]]> 2ec8a2626112dc7085bc04f6ee03ecf3 Hector started the discussion VA Loan With Recent 60 Day Recent Credit Card Late Payment in the forum Mortgage Underwriting Help Desk https://gcaforums.com/topic/va-loan-with-recent-60-day-recent-credit-card-late-payment/ Thu, 01 Oct 2026 19:53:42 +0000 VA Loan With Recent 60 Day Recent Credit Card Late Payment

Hello Marga and Gustan,

I see on the order form the option to add the Co-applicant. Should I add my wife as the co-applicant because I live in California ? I am buying the existing house I have been renting for $3,300 a month. The purchase price will be $650,000. As discussed, I have had a 60-day late payment in the past 12 months on my…

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]]> ff8b7e03b6470a67839378b38f105560 Connie started the discussion Sellers Price Cuts and What Buyers Can Afford in the forum Daily News and Economic Updates https://gcaforums.com/topic/sellers-price-cuts-and-what-buyers-can-afford/ Thu, 01 Oct 2026 02:24:13 +0000 Sellers Price Cuts and What Buyers Can Afford

GCA Mortgage Forums News for Wednesday, September 30, 2026: In today’s edition of GCA Mortgage Forums News, we will cover the widening gap between seller price cuts and what buyers can afford. This topic is timely, relevant nationwide, and offers a strong consumer angle following yesterday’s VantageScore 4.0 story.

GCA MORTGAGE FORUMS DAILY NEWS… Read more

]]> 79146044fced87a46651d889f5afff9c Connie replied to the discussion FHA vs Portfolio Lender-Who Has Best Terms and Rates in the forum Mortgage Underwriting Help Desk https://gcaforums.com/topic/fha-vs-portfolio-lender-who-has-best-terms-and-rates/#post-39485 Wed, 30 Sep 2026 18:10:11 +0000 Reply to FHA vs Portfolio Lender-Who Has Best Terms and Rates

Rachel is in an active Chapter 13 bankruptcy and is approximately 18 months into a 60-month repayment plan. Her property is her owner-occupied primary residence.

She already has an FHA cash-out refinance approved through manual underwriting at approximately 6.5%.

Important Facts

1. FHA financing is possible during an active Chapter 13.
FHA…

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]]> 644cd601a089edfcdcbbf8caab4f5976 Wiggie and Thomas Miller are now connected https://gcaforums.com/activity/p/27339/ Wed, 21 Jan 2026 01:41:58 +0000 0 e7b1c2aa16e6e585f22b3bbb5f4c5173 Rugger and Thomas Miller are now connected https://gcaforums.com/activity/p/27338/ Wed, 21 Jan 2026 01:41:54 +0000 0 97dd19a575f1db8fef804bda476cdf3e Peter and Thomas Miller are now connected https://gcaforums.com/activity/p/27337/ Wed, 21 Jan 2026 01:41:51 +0000 0 7299a1d23b180792440e88ffbe8f76f4 Michelle and Thomas Miller are now connected https://gcaforums.com/activity/p/27336/ Wed, 21 Jan 2026 01:41:47 +0000 0 9acf5e830a7dac8cc8e92a74978b4489 Marilyn and Thomas Miller are now connected https://gcaforums.com/activity/p/27335/ Wed, 21 Jan 2026 01:41:43 +0000 0 b04e797ff2a6b66c77743d443c498994 Lori and Thomas Miller are now connected https://gcaforums.com/activity/p/27334/ Wed, 21 Jan 2026 01:41:39 +0000 0 97db38e95570e1f2f0114c0e235e96de Gunner and Thomas Miller are now connected https://gcaforums.com/activity/p/27333/ Wed, 21 Jan 2026 01:41:29 +0000 0 ee45db81c6a88607a3474e5bffb6eaa3 Doc and Thomas Miller are now connected https://gcaforums.com/activity/p/27332/ Wed, 21 Jan 2026 01:41:25 +0000 0 218089e9ca4e69da8d3eb9fe874b6a2c Bentley and Thomas Miller are now connected https://gcaforums.com/activity/p/27331/ Wed, 21 Jan 2026 01:41:22 +0000 0 00ffad8b63f5d69809e151091b8e9d75 Angela and Thomas Miller are now connected https://gcaforums.com/activity/p/27330/ Wed, 21 Jan 2026 01:41:18 +0000 0 d03744b48ef951f5afb4124df5a6ceec Arielcreal ArielcrealDW became a registered member https://gcaforums.com/activity/p/27199/ Tue, 13 Jan 2026 07:08:40 +0000 0 852868703f92cabd672b15b4c93f9e68 Doc started the discussion GCA Forums News For Monday January 12 2025 in the forum Daily News and Economic Updates https://gcaforums.com/topic/gca-forums-news-for-monday-january-12-2025/ Mon, 12 Jan 2026 19:27:43 +0000 GCA Forums News For Monday January 12 2025

A report was requested for Monday, January 12, 2025, but that date was a Sunday. As of Monday, January 12, 2026 (America/Chicago), this is the latest market and news update.

GCA Mortgage Forums News — National Market & Politics Report (Mon, Jan 12, 2026)

Current markets & rates, silver rise, Fed vs DOJ, Chicago sanctuary, MN fraud, 2026…

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]]> 8680429837452a6d5ff78c019d249453 Susan replied to the discussion GCA Forums News For Sunday January 11 2026 in the forum Daily News and Economic Updates https://gcaforums.com/topic/gca-forums-news-for-sunday-january-11-2026/#post-33722 Mon, 12 Jan 2026 17:11:17 +0000 Reply to GCA Forums News For Sunday January 11 2026

Silver prices opened up at a premium today. Silver opened at $85.00 per ounce and now is trading at $84.56

Is this a Silver squeeze? All the major big Silver dealers are out of silver inventory

Walmart is the only place that is selling one ounce Silver rounds. Stay tuned from GCA FORUMS NEWS.

https://youtu.be/nDudEF9BIh4?si=VwEIbrgT7xloXhEO

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