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Confirmed. The Key Bridge Collapse is a cyberattack says journalist Lara Logan, former 60 minutes anchor and national five-star journalist. Lara Logan interviews top Joe Biden Advisors yesterday and hands down high-ranking officials of the Biden Administration said that the Key Bridge Collapse was a terrorist cyberattack and there is more than ample proof to justify their claim. The senile one term president, Joe Biden, did not waste and time for him to hold a press conference stating that the United States government will be paying all costs to rebuild the Key Bridge. President Joe Biden calls out that the decision has been made that tax payers will cover the cost to rebuild the bridge. Who is this old senile man pledging the kind of money taxpayers will spend without investigators looking into the cause of the Key Bridge Collapse.
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Preferred mortgage rates are interest rates offered to borrowers with the most favorable credit profiles, financial situations, and loan characteristics. These rates are typically lower than the average market rates and are reserved for borrowers who present the least risk to lenders. Factors that can help borrowers qualify for preferred mortgage rates include:
- High credit score: Borrowers with credit scores of 740 or higher are more likely to qualify for preferred mortgage rates.
- Low debt-to-income ratio (DTI): A DTI of 36% or less, meaning that a borrower’s monthly debt payments (including the new mortgage) account for no more than 36% of their gross monthly income, can help secure preferred rates.
- Substantial down payment: Making a down payment of 20% or more can help borrowers avoid private mortgage insurance (PMI) and potentially qualify for better rates.
- Stable employment and income: Lenders prefer borrowers with a stable work history and consistent income, as this reduces the risk of default.
- Choice of loan type: Certain loan types, such as conventional loans with fixed rates and shorter terms (e.g., 15-year mortgages), may offer lower interest rates compared to other loan types.
- Loan-to-value ratio (LTV): A lower LTV, which represents the amount of the loan relative to the value of the property, can help borrowers secure better rates.
- Discount points: Borrowers can choose to pay discount points, which are upfront fees, to “buy down” their interest rate and secure a lower monthly payment.
It’s important to note that preferred mortgage rates can vary depending on the lender, market conditions, and individual borrower circumstances. Borrowers should shop around and compare offers from multiple lenders to find the best rates and terms for their situation.
GCA Mortgage Group is a mortgage company founded by Gustan Cho, a well-known mortgage banker with over 20 years of experience in the industry. The company is based in California, United States, and provides mortgage services to clients across the country. Here are some key points about GCA Mortgage Group:
- Full-service mortgage company: GCA Mortgage Group offers a wide range of mortgage products, including conventional loans, FHA loans, VA loans, USDA loans, and jumbo loans.
- Focus on challenging cases: The company specializes in helping borrowers with unique or difficult financial situations, such as those with low credit scores, high debt-to-income ratios, or non-traditional income sources.
- Personalized service: GCA Mortgage Group emphasizes providing personalized service to each client, taking the time to understand their individual needs and goals and working to find the best mortgage solutions for their situation.
- Experienced team: The company has a team of experienced loan officers, processors, and underwriters who work together to ensure a smooth and efficient loan process for clients.
- Educational resources: GCA Mortgage Group provides educational resources, such as blog posts and videos, to help clients better understand the mortgage process and make informed decisions about their home financing.
- Positive reviews: The company has received positive reviews from clients who appreciate their personalized service, expertise, and ability to help them secure mortgage loans despite challenging financial situations.
- Licensed in multiple states: GCA Mortgage Group is licensed to provide mortgage services in several states across the United States, allowing them to serve a broad client base.
Overall, GCA Mortgage Group aims to help clients achieve their homeownership goals by providing expert guidance, personalized service, and a wide range of mortgage products tailored to their individual needs.
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GCA Mortgage Group is a mortgage company founded by Gustan Cho, a well-known mortgage banker with over 20 years of experience in the industry. The company is based in California, United States, and provides mortgage services to clients across the country. Here are some key points about GCA Mortgage Group:
- Full-service mortgage company: GCA Mortgage Group offers a wide range of mortgage products, including conventional loans, FHA loans, VA loans, USDA loans, and jumbo loans.
- Focus on challenging cases: The company specializes in helping borrowers with unique or difficult financial situations, such as those with low credit scores, high debt-to-income ratios, or non-traditional income sources.
- Personalized service: GCA Mortgage Group emphasizes providing personalized service to each client, taking the time to understand their individual needs and goals and working to find the best mortgage solutions for their situation.
- Experienced team: The company has a team of experienced loan officers, processors, and underwriters who work together to ensure a smooth and efficient loan process for clients.
- Educational resources: GCA Mortgage Group provides educational resources, such as blog posts and videos, to help clients better understand the mortgage process and make informed decisions about their home financing.
- Positive reviews: The company has received positive reviews from clients who appreciate their personalized service, expertise, and ability to help them secure mortgage loans despite challenging financial situations.
- Licensed in multiple states: GCA Mortgage Group is licensed to provide mortgage services in several states across the United States, allowing them to serve a broad client base.
Overall, GCA Mortgage Group aims to help clients achieve their homeownership goals by providing expert guidance, personalized service, and a wide range of mortgage products tailored to their individual needs.
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Michael Kortas, the Chief Executive Officer and co-founder of NEXA Mortgage snapped and decided to terminate co-founder Mat Grella before separation talks finalized. Co-founder Mat Grella, owner of 49.5% of NEXA Mortgage, LLC. expressed interest in being bought out in November 2023 to spend more time with his family and young twin children. Mat Grella’s scope of work was to run the day to day operations of NEXA Mortgage, LLC and manage its 2,500 licensed mortgage loan originators while CEO Mike Kortas’s role was the visionary of NEXA Mortgage. Everyone at NEXA Mortgage knew CEO Kortas was the alpha male and had the ultimately say so on which direction the largest mortgage brokerage in the country will go.
Nexa Mortgage is a mortgage broker based in Chandler, Arizona, USA. It operates as a retail mortgage broker, connecting borrowers with a variety of loan products from different lenders. The company focuses on providing personalized service and support throughout the mortgage process. Nexa Mortgage aims to streamline the mortgage experience for homebuyers and homeowners looking to refinance. As of my last update in January 2024 Nexa Mortgage continues to operate in the mortgage industry. For the most recent information, it’s advisable to visit their official website or check recent news updates. As of my last update CEO Michael Kortas is the Chief Executve Officer with Nexa Mortgage in a specific role or capacity, but without further context, it’s challenging to provide specific information. If Michael Kortas has become relevant to Nexa Mortgage or the mortgage industry more broadly after my last update, I would recommend consulting recent sources or Nexa Mortgage’s official channels for accurate information.
Gustan Cho Associates is a dba of NEXA Mortgage, LLC. Gustan Cho NMLS 873293 is a well-known figure in the mortgage industry. Gustan Cho Associates is the founder and CEO of Gustan Cho Associates Mortgage Group, a mortgage brokerage firm based in Oakbrook Terrace, Illinois, USA. Gustan Cho is recognized for his expertise in mortgage lending and has a significant presence in the mortgage community, particularly in providing information and guidance to borrowers with unique financial situations or those seeking non-traditional mortgage products. Gustan Cho is also known for his contributions as a writer and educator in the mortgage field, often sharing insights and advice through articles, blog posts, and seminars. He has built a reputation for helping borrowers navigate the complexities of the mortgage process, especially those who may have been turned down for loans by other lenders.
As of my last update in January 2024, Gustan Cho of Gustan Cho Associates, headquartered in Oakbrook Terrace, Illinois NMLS 2315275 continues to be an influential figure in the mortgage industry, offering guidance and assistance to borrowers through his mortgage brokerage firm and online platforms. For the most current information about Gustan Cho and his contributions to the mortgage industry, it’s advisable to refer to his official website or other reliable sources. Gustan Cho is a mortgage banker and the founder of Gustan Cho Associates, a mortgage company based in Oakbrook Terrace, Illinois, United States. Licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands, here are some key points about Gustan Cho:
- Experience: Cho has over 20 years of experience in the mortgage industry, working as a loan officer, branch manager, and mortgage broker.
- Expertise: He specializes in helping clients with unique or challenging financial situations secure mortgage loans, such as those with low credit scores, high debt-to-income ratios, or non-traditional income sources.
- Blog and online presence: Cho maintains a blog and a YouTube channel where he shares his knowledge and insights about the mortgage industry, providing advice and answering common questions from homebuyers and homeowners.
- Author: He has written a book titled “How to Qualify for FHA Loans for FHA Manual Underwriting Mortgage Guidelines,” which provides guidance on navigating the FHA loan process.
- Media appearances: Cho has been featured in various media outlets, such as Forbes, The Mortgage Reports, and the National Association of Mortgage Brokers, discussing trends and issues in the mortgage industry.
- Industry recognition: Gustan Cho Associates has been recognized as one of the top mortgage companies in the United States by various industry publications and organizations.
- Education and certification: Cho holds a Bachelor’s degree in Business Administration and is a certified mortgage planning specialist (CMPS) and a certified mortgage consultant (CMC).
Throughout his career, Gustan Cho has focused on helping clients achieve their homeownership goals by providing personalized service and expert advice in the mortgage industry.
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Rhinestone Cowboy concert:
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Glenn Campbell was an American country music singer, guitarist, songwriter, television host, and actor. He was born on April 22, 1936, in Billstown, Arkansas, and passed away on August 8, 2017, in Nashville, Tennessee. Here are some key points from his biography:
- Early life and career: Campbell started playing guitar at a young age and moved to Los Angeles in 1960 to become a session musician, working with artists like Elvis Presley, Frank Sinatra, and The Beach Boys.
- Solo success: In 1967, he released his breakthrough single, “Gentle on My Mind,” followed by hits like “By the Time I Get to Phoenix,” “Wichita Lineman,” and “Galveston.”
- “Rhinestone Cowboy”: In 1975, Campbell released his signature song, “Rhinestone Cowboy,” which became a crossover hit and reached No. 1 on both the country and pop charts.
- Television and film: Campbell hosted his own variety show, “The Glen Campbell Goodtime Hour,” from 1969 to 1972 and appeared in films like “True Grit” (1969) with John Wayne.
- Awards and recognition: He won four Grammy Awards and was inducted into the Country Music Hall of Fame in 2005. Campbell also received a Grammy Lifetime Achievement Award in 2012.
- Personal life: Campbell was married four times and had eight children. He publicly announced his diagnosis with Alzheimer’s disease in 2011.
- Farewell tour: After his Alzheimer’s diagnosis, Campbell embarked on a farewell tour, which was documented in the 2014 film “Glen Campbell: I’ll Be Me.”
Throughout his career, Glenn Campbell sold over 45 million records and had a lasting impact on country and popular music.
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Here is another great video about NEXA Mortgage and CEO Mike Kortas.
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Thanks to Bill Burger-King to directing me to this recruitment video with CEO Mike Kortas, founder of NEXA Mortgage, LLC.
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That is awful. I cannot believe this senile old prick Joe Biden announces that the U.S. taxpayers will pay for the bridge collapse without even a preliminary investigation being started. The demetia ridden cheating 46th president of the United States has a history of talking out of his ass and also shitting in his pants.