My mortgage lender said I did not qualify for a mortgage because I had a debt settlement. The loan officer told me that mortgage lenders consider debt settlement the same as bankruptcy. Some mortgage lender consider debt settlement worse than bankruptcy because with bankruptcy, you cannot file another bankruptcy after seven to ten years after a discharge. However, with debt settlement, the consumer is a walking time bomb and can file bankruptcy anytime after the debt settlement. Is this true? I should have never done a debt settlement if I am treated like a dead beat. I tried to be a responsible person and pay my debts with debt settlement. How long does a debt settlement on your credit report.

Can the staff of GCA FORUMS and Sub-FORUMS give us news on what the progress is with the GREAT CONTENT AUTHORITY (GCA) FORUMS, GCA FORUMS Online Community, and GCA FORUMS Mortgage Group. A complete UPDATE will be greatly appreciated. Members of GCA FORUMS would appreciate what the status is with the GCA FORUMS Business Directory, GCA FORUMS Classified Ads, and the Online Business Solutions and Viral Website Developers.

Here are some photos of my house on a clear day

Is the coronavirus vaccine deadly? A lot of stories and reports that healthy individuals who got vaccinated dropped dead without any other reason except after taking the coronavirus vaccine.

Here’s an informative YouTube video on Digital Media Marketing.

https://youtu.be/t9ymUPSBT9U?si=ICr4HIxcP3ZIrZLR

I would like to know more about Costa Rica 🇨🇷. Since I can work remotely, I was thinking about traveling more and enjoying life. Life is way too short and the older you get, the father time passes. God gave each of us one life to be the best we can be and become successful. Everyone’s definition of success is different. Some people are happy living in one place and living off their social security income and pass away in the very small town where they were born. Others want to travel the entire world 🌎 and become billionaires and still do not think they succeeded in life. My goal is to travel the United States 🇺🇸 with my Class A motorhome. I like to visit every state in the United States before I pass. I always want to visit and purchase vacation homes, AirBnB’d or investment properties. One of the places I am curious about is Costa Rica 🇨🇷. Both in having a waterfront condo, home, or apartment buildings for investment. I like to research about the government of Costa Rica 🇨🇷, their currency, economy, weather, school systems and education platforms, people, cost of living, economy, growth and growth potential, medical care, housing market, foods, entertainment industry, financial markets, employment opportunities, job opportunities, law and order, crime, business opportunities, and everything about Costa Rica. I see potential growth opportunities in Costa Rica and would love ❤️ to start a detailed online message board about everything Costa Rica. Thank you all in advance.

Need some down payment assistance? Fannie Mae just rolled out 6K and down payment assistance! This is a special assistant barware program! This is gonna be only obtainable and 20 locations throughout the United States of America. Dilan parameters also include at least 3% down a 620 FICO score. You will be eligible for up to $6000 towards closing costs and $500 towards a home warranty You must be a first time home Brow for more information reach out to me at 586-256-3945. Feel free to text.

Here is classic by the Rolling Stones She’s So Cold

https://www.youtube.com/watch?v=sEJM6NJt-9c

Amazing message Kevin. Thank you for your faith and outlook in life and being a hero to us all. God Bless 🙏

📸 Watch this video on Facebook

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After a fantastic day on Tuesday and frustrating little bounce after yesterday’s Retail Sales data, mortgage rates have fully recovered back to the recent lows.

Any time rates move enough to merit a discussion, it coincides with a similar move in the broader bond market. Bonds are currently highly susceptible to economic data (as seen on Tue/Wed).

Whereas Wednesday’s data pushed bond yields and interest rates higher, Thursday’s data sang a different tune. weekly Jobless Claims (not to be confused with the big monthly “jobs report” that comes out on the first week of any given month) were higher than expected and several other reports also spoke to a modest uptick in economic headwinds.

The economy may not like headwinds, but what’s bad for the economy is generally good for bonds/rates. Today was no exception. As bonds erased all of yesterday’s losses, interest rates moved back in line with best recent levels. For some lenders, that was Tuesday. For others, it was last Friday.

Rhode Island is the smallest state in the United States by land area and one of the original 13 colonies that declared independence from British rule during the American Revolution. Here are some key facts and information about Rhode Island:

1. Geography: Rhode Island is located in the New England region of the northeastern United States. It is bordered by Massachusetts to the north and east, Connecticut to the west, and the Atlantic Ocean to the south. Despite its small size, the state has a diverse geography, including coastal areas, bays, and islands.

2. Capital and Largest City: Providence is both the capital and the largest city of Rhode Island. It is home to many universities, including Brown University and the Rhode Island School of Design (RISD).

3. Nickname: Rhode Island is often referred to as the “Ocean State” due to its extensive coastline along the Atlantic Ocean.

4. History: Rhode Island was one of the original 13 colonies, and it played a significant role in the early history of the United States. It was founded by Roger Williams in 1636 as a haven for religious freedom and tolerance. The state was also the first to declare independence from Britain on May 4, 1776.

5. Economy: Rhode Island’s economy is diverse, with sectors such as healthcare, education, manufacturing, and tourism playing important roles. The state is known for its maritime and fishing industries, as well as its vibrant arts and culture scene.

6. Tourism: Rhode Island attracts visitors with its beautiful coastline, historic sites, and cultural attractions. Popular destinations include Newport, known for its Gilded Age mansions and sailing culture, and the coastal town of Narragansett, famous for its beaches.

7. Education: Rhode Island is home to several prestigious educational institutions, including Brown University, the University of Rhode Island (URI), and the Rhode Island School of Design (RISD). These institutions contribute to the state’s academic and cultural vibrancy.

8. State Symbols: The state bird of Rhode Island is the Rhode Island Red, and the state flower is the violet. The state’s motto is “Hope,” which is featured on its flag.

9. Government: Rhode Island has a state government that consists of a governor, a bicameral legislature (House of Representatives and Senate), and a judiciary. It is known for its long history of political activism and engagement.

10. Quirky Facts: Rhode Island is known for having the longest official state name in the United States: “The State of Rhode Island and Providence Plantations.” In recent years, there have been discussions about shortening the state’s name to eliminate the reference to “plantations” due to its historical associations with slavery.

Overall, Rhode Island may be small in size, but it has a rich history and a unique identity within the United States.

Here’s five photos of Chase my 10-month German Shepherd puppy 🐶 💖 💓 💕 😍 💗 Got him at 7 months old. Very skinny. Weighed 55 pounds and gained 10 pounds after 3 weeks. Don’t know how much he weighs yet. Still under treatment for intestinal worms.

Occupancy fraud, also known as occupancy misrepresentation or occupancy fraud scheme, is a type of fraudulent activity that occurs in various industries, including real estate and insurance. It involves misrepresenting the occupancy status of a property or the intended use of a property for personal gain or to obtain favorable terms or benefits. Here are some common examples of occupancy fraud:

1. Mortgage Fraud: In the context of real estate, occupancy fraud can occur when a borrower misrepresents their intention to live in a property as their primary residence when, in fact, they plan to use it as an investment property or a vacation home. This misrepresentation may be done to secure a lower interest rate or down payment requirement, as primary residence mortgages often have more favorable terms.

2. Insurance Fraud: In the insurance industry, occupancy fraud can occur when an insured individual misrepresents the occupancy status of a property to obtain lower insurance premiums. For example, someone may claim that a property is their primary residence when it is actually vacant or used as a rental property to secure lower insurance rates.

3. Rental Fraud: In the rental market, tenants may engage in occupancy fraud by subletting or renting out their leased property without the landlord’s knowledge or consent. This can lead to unauthorized occupants living in the property, potentially violating lease agreements and causing legal issues.

4. Government Programs Fraud: Some government programs and incentives are based on the occupancy status of a property. Individuals or businesses may engage in occupancy fraud to qualify for these programs when they are not eligible, potentially receiving subsidies or benefits they do not deserve.

Occupancy fraud is illegal and can have serious consequences, including financial penalties, legal actions, and damage to one’s reputation. Lenders, insurers, landlords, and government agencies often investigate and take measures to detect and prevent occupancy fraud to protect their interests and maintain the integrity of their programs and services.

Nebraska is a state located in the Midwestern region of the United States. Here are some key facts and information about Nebraska:

1. Capital and Largest City: The capital of Nebraska is Lincoln, while its largest city is Omaha.

2. Geography: Nebraska is known for its flat and largely treeless landscape, particularly in the eastern part of the state, which is part of the Great Plains. The western part of Nebraska is more rugged and includes the Sandhills region, as well as the beginning of the Rocky Mountains.

3. State Motto: The state motto of Nebraska is “Equality before the law.”

4. Nickname: Nebraska is often referred to as the “Cornhusker State.” This nickname is derived from the nickname “Cornhuskers,” which was given to the University of Nebraska athletic teams.

5. History: Nebraska became the 37th state of the United States on March 1, 1867. It played a significant role in the westward expansion of the United States during the 19th century, as the Transcontinental Railroad passed through the state.

6. Economy: Agriculture has historically been a major part of Nebraska’s economy. The state is known for its production of corn, soybeans, beef, and other agricultural products. In recent years, Nebraska has also developed a growing technology sector, particularly in and around Omaha.

7. Education: Nebraska is home to several institutions of higher education, including the University of Nebraska system, Creighton University, and Nebraska Wesleyan University.

8. Natural Attractions: Nebraska has several natural attractions, including Chimney Rock, a famous landmark on the Oregon Trail, and the Sandhills, which are a unique region of sand dunes and grasslands. The state also has several state parks and recreational areas for outdoor enthusiasts.

9. Historic Sites: Nebraska has numerous historic sites and museums, including the Homestead National Monument of America, which commemorates the Homestead Act of 1862, and the Strategic Air Command & Aerospace Museum, which showcases the history of military aviation.

10. Sports: Sports are popular in Nebraska, and the state is known for its passionate fan base, especially in college football. The University of Nebraska’s football team, the Cornhuskers, has a strong following. The state also has minor league baseball teams and other sports activities.

These are just some of the key aspects of Nebraska, a state with a rich history and diverse landscapes.

How is living in Puerto Rico 🇵🇷?

Manufactured homes, often referred to as mobile homes or trailers, are housing units that are built in a factory and then transported to their final site. These homes are designed to be more affordable and efficient compared to traditional site-built homes. Here are some key characteristics and information about manufactured homes:

1. Construction: Manufactured homes are constructed in a controlled factory environment, typically using assembly line techniques. This controlled environment allows for better quality control and efficiency in the construction process.

2. Mobility: One of the distinguishing features of manufactured homes is their mobility. They are built on a steel chassis with wheels, making them transportable to different locations. This mobility is why they are sometimes called “mobile homes.”

3. HUD Code: In the United States, manufactured homes are regulated by the Department of Housing and Urban Development (HUD). Homes that meet specific construction and safety standards outlined in the HUD Code are considered manufactured homes. The HUD Code sets standards for things like structural integrity, energy efficiency, and safety features.

4. Sizes and Styles: Manufactured homes come in various sizes and styles, ranging from single-wide to double-wide or even larger. Single-wide homes are narrower and typically have a single section, while double-wide homes are wider and consist of two sections that are joined together.

5. Affordability: Manufactured homes are often more affordable than traditional site-built homes, making them an attractive housing option for individuals or families on a budget. However, their resale value can be lower than that of site-built homes.

6. Customization: While there is some level of customization available for manufactured homes, they are generally less customizable than site-built homes. Buyers can often choose from a range of floor plans, finishes, and features, but major structural changes may be limited.

7. Placement: Manufactured homes can be placed in a variety of settings, including mobile home parks, rural properties, and private lots. However, zoning and land-use regulations may affect where you can place a manufactured home.

8. Financing: Financing options for manufactured homes may differ from those for site-built homes. There are specialized loans, such as chattel loans, that are designed for mobile homes. Additionally, if the home is permanently affixed to land you own, you may be able to secure a traditional mortgage.

9. Maintenance: Like any home, manufactured homes require regular maintenance to ensure they remain in good condition. This includes upkeep of the exterior, roofing, plumbing, and electrical systems.

It’s important to note that the term “manufactured home” is distinct from “modular home.” Modular homes are also factory-built but are constructed in sections or modules that are transported to the site and then assembled on a foundation. They often conform to local building codes and can resemble traditional site-built homes more closely.

The specific regulations and terminology related to manufactured homes may vary by country and region, so it’s important to familiarize yourself with local rules and guidelines if you are considering purchasing or living in a manufactured home.

• This discussion was modified 1 year, 1 month ago by  Bentley.

No Housing Structures / No Slabs etc.

Purchase only

Land Appraisal

60 days seasoned assets

Full Doc, Bank Statement or P&L … only one year income required

240 months term

660 min. score

65 LTV

Trans Union single repository credit report

Allows a non-occupying co-borrower

$100K min. loan amount

$154K min. purchase price

$825K max. loan amount

No Prepayments

No Insurance

No gift funds

No reserves

Gift of Equity allowed … case by case

1. Direct family member
2. 100% of the down payment in a gift of equity but needs 100% of the closing costs
3. Employed over two full years

• This discussion was modified 1 year, 1 month ago by  Felix.

First President of the United States 🇺🇸 who is not potty trained and most incompetent cheating lying dementia Joe Lying Cheating Biden. Fake President of the United States. Joe Biden makes Jimmy Carter a great President Dementia Joe Cheatin Biden shits in his pants

https://www.facebook.com/reel/1020202732361545?mibextid=9drbnH

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💃🏽🔊🕺🏽 🤣😂 | Cdro_seeslies | q_jr_17_ · Original audio

💃🏽🔊🕺🏽 🤣😂. q_jr_17_ · Original audio

Joe Biden claims he is Honest Joe Biden

https://www.youtube.com/shorts/b5T_QKbnJ1Q

Mortgage Dove A Trusted American Mortgage Lender from refinance to buying a new house, we offer a wide range of mortgage options suitable to your needs, because building your future is not an easy task Fast closing with low rates and low fees.

https://mortgagedove.com/

mortgagedove.com

Mortgage Dove - A Trusted American Mortgage Lender

Mortgage Dove - A Trusted American Mortgage Lender from refinance to buying a new house, we offer a wide range of mortgage options suitable to your needs, because building your future is not an easy task.Fast closing with low rates … Continue reading

Here’s an article about the EXPRESS SBA NO-DOC LOANS you may want to read and find it interesting and informative

http://www.lendingnetwork.org/express-sba-no-doc-loans/

• This discussion was modified 1 year, 3 months ago by  Gustan Cho. Reason: Wrong url

lendingnetwork.org

Express SBA No-Doc Loans

This guide will cover Express SBA No-Doc Loans for small business owners. If you are a small business owner looking for a quick and simple way to get funding

It’s over folks. Comcast, the parent of MSNBC is up for sale. Viewership at MSNBC dropped 51% due to anti-Trump and anti-Republican stance. Major layoffs is also expected. On another note, CNN lost 21% of its Viewership

The mainstream media is on life support.

It is reported that Oprah Wilfrey was paid one million dollars by the Kamala Harris campaign. The Democrat Party is deteriorating and deteriorating fast

Many Democrat states are losing citizens changing parties to the Trump Team.

https://www.youtube.com/live/rdyMVnYBw1w?si=ZIiFLCLNsh7HI4DB

Many corvette buyers are confused about C8 Corvette Trim Levels. The first Trim level is 1LT. Second Trim level is 2LT. Third Trim Level is 3LT.

https://youtu.be/PrU8Tu6-7O4?si=i2YbeOW92iDLnA4g

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

My credit score is 615 my wife’s 768. We have a high DTI ratio around 47-49%. We currently have 2 mortgages our 2nd mortgage is a Home Equity Line of Credit (HELOC) with Champions Bank and Trust for $65,000. We’ve used $60,000 of the $65,000. Our 1st mortgage is with Mr. Cooper and owe $255,000. Home value between $370,000 & $390,000(Per Zillow Zestimate) last appraiser in 2007 for $349,000. Need to pay off Capital One $60,000 looking for cash out if possible maybe payoff some debt with 90%_125% LTV. What is the best action to take and what would you advise?

• This discussion was modified 2 months, 4 weeks ago by  Hector.

I want to know if Buying a Short Sale Home From a Seller with Lender Approval is a good idea. I am getting many different answers from family, real estate investors, homebuyers, co-workers, loan officers, attorneys, and real estate agents who supposedly are familiar or knowledgable buying a short sale home from a homeseller with the mortgage servicer and lender’s approval. Frequently asked questions by homebuyers who want to know the benefits and negatives of buying a short sale home from a mortgage lender. Many homebuyers think if buying a short sale home from a lender is a good idea. Many homebuyers are told by real estate agents buyers can buy it at a huge price reduction while other real estate agents are telling buyers lenders are not discounting the price of the home. Is it true that buying a short sale home takes up to one year to close? What things can go wrong buying a short sale home from a seller with lender approval?

What are the types of monkeys to have for pets. Monkeys that are loyal, easy to train, affectionate, easy to housebreak, as little as possible, and a monkey who you can be your best friend. A pet monkey that can and will get along with people, especially little children. I saw many pet monkeys who are like human on youtube videos raised in Vietnam. I like to get a pet monkey for the United States.

My credit score is over 620 and I meet the mortgage lending requirements lenders ask. But then say I cannot be approved. My foreign earned income falls on the W2 line, and a previous underwriter said it needed to be amended – what can I do?

HOW MORTGAGE BROKERS CALCULATE INCOME AND RATES?

HOW DO COMMERCIAL LENDERS VIEW BORROWER’S CREDIT?