Great Community Authority Forums | Rhonda | Activity

Rhonda posted an update: Don’t know them , but I know they own a tow company. Some […]

Sat, 07 Jun 2025 22:40:30 +0000

Don’t know them , but I know they own a tow company. Some one asked me if i knew something that may could be done. They are expanding and have given opportunity by County to have more capibity for more services. They need place to store auto’s . All places want 3,000 -4000 a month. They own some land, but it needs to be cleaned off. They…

Rhonda posted a new activity comment

Sat, 17 May 2025 00:28:38 +0000

I think that is a great I will join

In reply to - Chad Bush posted an update

I started a Facebook group for veterans and military members who want to buy a home using their VA loan benefits even if their credit isn’t perfect.

It’s a place to ask questions, get […]

Rhonda posted an update: If someone has not filled 2023 and 2024 taxes? They are […]

Fri, 16 May 2025 13:50:19 +0000

If someone has not filled 2023 and 2024 taxes? They are w2 employee, not filed extension.

But what happens when transcripts ordered. Comes back no record found, or do we just order W2 transcript? Does it matter if FHA or conv loan?

Rhonda posted a new activity comment

Thu, 15 May 2025 01:27:08 +0000

I just wanted to comment my hesitation is mainly because the founder of MLOBOX is a Nexa employee, and I’m concerned it might just be the same type of marketing going out. I’m really looking for something that feels different and more collaborative. But if you have a lot of Lo’s in a certain area. It would be the same thing. As it is my… Read more

In reply to - Chad Bush posted an update

@Gus, here’s a link to that marketing site I mentioned to you earlier. Do you think it’s worth it? Or do you recommend a better source for daily marketing materials? It can be […]

Rhonda replied to the discussion Bankruptcy dismissed, gift of equity in the forum Mortgage and Real Estate Forums

Sun, 11 May 2025 01:15:09 +0000

Reply to Bankruptcy dismissed, gift of equity

Title company provided title. All on heirship easy. But said have to have court approval on bankruptcy. As it was done in 2024. I Said it was dismissed they asked for social. So waiting ,could be that is a huge problem,

I would not think they would allow a gift of equity?

Rhonda replied to the discussion Bankruptcy dismissed, gift of equity in the forum Mortgage and Real Estate Forums

Sun, 11 May 2025 00:13:34 +0000

Reply to Bankruptcy dismissed, gift of equity

Thank you , Client 1 is daughter’s childhood friend. Helped her save home in past, doing modification. This time cousin that resides with her, because she is on time sensitive matter. My suggestion is sell to him, payment now is 1,100 on a 70,000 payoff. Without any other fees involved, to keep payment lower than current. As property has double…

Rhonda started the discussion Bankruptcy dismissed, gift of equity in the forum Mortgage and Real Estate Forums

Fri, 09 May 2025 17:05:18 +0000

Bankruptcy dismissed, gift of equity

I have a client who has been residing in her mother’s home. She was living there when her mother passed away in 2019, the property is still in her mother’s name. my client filed for bankruptcy, but it was dismissed due to non-payment.

Now, the property is facing foreclosure. Since it was not included in the bankruptcy and the case has been…

Rhonda posted a new activity comment

Wed, 07 May 2025 04:08:47 +0000

@Gustan Thank you . It is very strange , 2 appeals with school. She really is very upset. Professors told her to fight. But that is over phone. I’m saving all her email communications. She contacted one attorney but was a 2,000 consultation fee. I just think it is not that difficult. Because she did what was asked of her. Unexplainable times.

In reply to - Rhonda posted an update

Anyone know of an education Attorney that handles education complaints for a school in Addison, IL. Daughter was at clinicals in South Carolina and was asked to-do something. By whom […]

Rhonda posted an update: what lenders if any allow assignment contracts for […]

Tue, 06 May 2025 18:47:09 +0000

what lenders if any allow assignment contracts for owner occupied? When a lot of equity is in home? Without a large down payment, if possible FHA.

Rhonda posted an update: Anyone know of an education Attorney that handles […]

Tue, 06 May 2025 17:57:16 +0000

Anyone know of an education Attorney that handles education complaints for a school in Addison, IL. Daughter was at clinicals in South Carolina and was asked to-do something. By whom was over her at clinicals, school gave her F. but will not provide any proof of complaint. Then in another class for sound in background. she would have…

Rhonda posted an update: Have client that is self emplyed , been self employed […]

Wed, 09 Apr 2025 00:49:26 +0000

Have client that is self emplyed , been self employed 15 plus years. Has investment property free and clear . Wants to pull out money , taxes show loss. What is the rule we can add back to income? Depreciation , milage , home office.

Will be renting out home , can you do a cashout refi using what it will be rented for?

Would be like a 75 ltv.

Rhonda started the discussion Clarification on IRS Payment Arrangement and Payment History in the forum Underwriting Help Desk

Tue, 11 Mar 2025 22:12:15 +0000

Clarification on IRS Payment Arrangement and Payment History

If someone has been on a payment arrangement with the IRS . I know you have to show payment history. Has a history of payments spanning multiple years each month 297.00. In September 2024, payment amount was adjusted, with the new payments set to begin in November. Per letter from IRS. However, the payments didn’t actually start until…

Rhonda posted a new activity comment

Mon, 03 Mar 2025 01:18:08 +0000

@dannyves He’s definitely a wheeler and dealer—everything is for sale for the right price! But he did mention that he’s letting some go because the offers were just too good to pass up. That’s when I told him, “Sell them and enjoy life!”

One of the cars is especially meaningful—it’s the one he got when he was 16 and had restored. It was his… Read more

In reply to - Rhonda posted an update in the group Car Enthusiasts Garage

Went to visit a griebd of my Dads. He has a large building of old cars. This waa just a few,

Rhonda posted a new activity comment

Mon, 03 Mar 2025 01:06:23 +0000

@Gus I thought of you, so I told him about you. That is how I got Pics, plus I know the forum had a section. he is a friend of my parent and my husband. . Came to hospital when I was born. He has more than 300 cars. The place he stores has alot of older stuff. Pool table and pl pin ball. It is where my dad would go to play poker. Did not to… Read more

In reply to - Rhonda posted an update in the group Car Enthusiasts Garage

Went to visit a griebd of my Dads. He has a large building of old cars. This waa just a few,

Rhonda posted a new activity comment

Mon, 03 Mar 2025 00:54:28 +0000

@JMUNOZ2004 he has all kinds, over 300-500 these were the ones in just one room. he has a huge industrial building. Insulated and huge alarm, so alarm was set.

In reply to - Rhonda posted an update in the group Car Enthusiasts Garage

Went to visit a griebd of my Dads. He has a large building of old cars. This waa just a few,

Rhonda posted a new activity comment

Thu, 27 Feb 2025 03:06:27 +0000

Rhonda posted an update in the group Car Enthusiasts Garage: Went to visit a griebd of my Dads. He has a large […]

Thu, 27 Feb 2025 03:03:54 +0000

Went to visit a griebd of my Dads. He has a large building of old cars. This waa just a few,

Rhonda posted a new activity comment

Sat, 28 Sep 2024 01:31:14 +0000

Great info, who would have known.

In reply to - Rhonda posted an update

Is there an app or device that can read the vocabulary from paper?

Rhonda posted a new activity comment

Sat, 28 Sep 2024 01:06:32 +0000

You told me to ask anything on forum. I have found a lot of them. someone opened up to me ,that they are not able to read. So it got me to thinking, but she still has flip phone. So taking baby steps. To help her become more stronger about herself. lol

In reply to - Rhonda posted an update

Is there an app or device that can read the vocabulary from paper?

Rhonda posted an update: Is there an app or device that can read the vocabulary from paper?

Fri, 27 Sep 2024 21:16:21 +0000

Is there an app or device that can read the vocabulary from paper?

Rhonda started the discussion Du approval on modular home in the forum Modular and Manufactured Homes

Thu, 26 Sep 2024 20:53:51 +0000

Du approval on modular home

Have a file that has only 2 tradelines installment credit that were opened in the last 6 months. Would it help strengthen file to open a secured credit card? Even thou have DU approval it worries me being modlar home. With no long history of credit.

Rhonda started the discussion Modular home Insurance in the forum Modular and Manufactured Homes

Tue, 17 Sep 2024 20:47:49 +0000

Modular home Insurance

Need Insurance on 2004 Redmond 24×80. on slab built new, Lucedale MS.

Rhonda replied to the discussion Not sure why not working. Believe it is the risk layers in the forum Case Scenarios

Mon, 16 Sep 2024 18:05:45 +0000

Reply to Not sure why not working. Believe it is the risk layers

I figured it was a operator error.

Rhonda replied to the discussion Not sure why not working. Believe it is the risk layers in the forum Case Scenarios

Sun, 15 Sep 2024 20:40:42 +0000

Reply to Not sure why not working. Believe it is the risk layers

Both were marked modular. So i think it is where I marked something wrong. Tried with high down.

below is screen shots

Rhonda started the discussion Not sure why not working. Believe it is the risk layers in the forum Case Scenarios

Sun, 15 Sep 2024 20:26:33 +0000

Not sure why not working. Believe it is the risk layers

wanted to inquire about an issue I’m experiencing with my DU approval. Guy changed jobs after 4 plus years. In May and July changed again. Back at original job. had initially received DU approval, but after adding a modular home to the equation, there seems to be a problem. He does not have a lot of credit, so I assume needed to add tradelines.…

Rhonda replied to the discussion Friendship in the forum Relationships

Wed, 31 Jul 2024 00:12:54 +0000

Reply to Friendship

Find a group of people who challenge and inspire you; spend a lot of time with them, and it will change your life”

Rhonda posted a new activity comment

Mon, 22 Jul 2024 18:36:47 +0000

It really is a beautiful place.

In reply to - Rhonda posted an update 2024’S 8 Most Beautiful Small Towns in Alabama https://www.worldatlas.com/cities/2024-s-8-most-beautiful-small-towns-in-alabama.html

Rhonda posted an update: 2024'S 8 Most Beautiful Small Towns in Alabama […]

Mon, 22 Jul 2024 04:13:46 +0000

2024’S 8 Most Beautiful Small Towns in Alabama https://www.worldatlas.com/cities/2024-s-8-most-beautiful-small-towns-in-alabama.html

worldatlas.com

2024's 8 Most Beautiful Small Towns in Alabama

Step into the most beautiful small towns in Alabama, The Heart of Dixie in 2024, and get ready for unforgettable experiences.

Rhonda replied to the discussion Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates in the forum Biography

Fri, 19 Jul 2024 04:01:50 +0000

Reply to Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates

😍

Rhonda replied to the discussion FHA UPDATE in the forum Mortgage and Real Estate Forums

Fri, 19 Jul 2024 03:58:48 +0000

Reply to FHA UPDATE

I had a deal one time. Where parents had no problem gifting money. But was like pulling teeth to provide proof they had the funds to give.

Rhonda started the discussion FHA UPDATE in the forum Mortgage and Real Estate Forums

Fri, 19 Jul 2024 02:29:22 +0000

FHA UPDATE

The Federal Housing Administration (FHA) has recently updated its policies regarding gift funds for home buyers. Under the new update, donors providing gift funds for a buyer’s down payment are no longer required to provide bank statements. This change simplifies the process for those receiving financial assistance from friends or family…

Rhonda replied to the discussion Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates in the forum Biography

Fri, 19 Jul 2024 02:26:26 +0000

Reply to Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates

We do have an amazing team. I was on phone today, with a friend that is an LO. I called her because I was questioning my sanity about a new FHA guideline. We got to talking, she was not having a good day. So I hit her up, and went into why she should come.

She said I can hear it is your voice, you really do believe in them . I tried to explain…

Rhonda posted a new activity comment

Fri, 19 Jul 2024 02:05:55 +0000

Thank you, It was a good birthday.

In reply to - Rhonda posted an update in the group Pet Lovers Place

Our neighbor is one that try’s and save men and dogs. Sadly she is not very well at doing either.

This one puppy showed up on our porch. Sent home, well […]

Rhonda replied to the discussion Has anyone dealt with this place in the forum P&L Statement Loans

Fri, 19 Jul 2024 01:37:35 +0000

Reply to Has anyone dealt with this place

Will do , figured it was some kind of catch. But will check it out.

Rhonda started the discussion Has anyone dealt with this place in the forum P&L Statement Loans

Thu, 18 Jul 2024 16:50:28 +0000

Has anyone dealt with this place

Never do another bank statement loan

Quontic’s Lite Documentation loan offers an easier, streamlined process.

• One-page P&L form for quick filing

• Loan amounts up to $3M

• Ideal for self-employed borrowers

Grow your non-traditional borrower business with Lite Doc today!

They also have link labeled for Realtors

https://www.quontic.com

Rhonda posted an update: question , I am getting some of my social media , and […]

Wed, 17 Jul 2024 19:34:42 +0000

question , I am getting some of my social media , and other lead sources set up. So I can set up some ad’s to run. Some of the programs ask for phone. I have never used whatsapp. I’m not sure what all it is used for. But I was wondering if others put their personal cell number. Or do you advertise your google number. As I already get weird…

Rhonda replied to the discussion Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates in the forum Biography

Tue, 16 Jul 2024 05:26:39 +0000

Reply to Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates

You made me feel special.

Rhonda posted a new activity comment

Wed, 03 Jul 2024 13:34:54 +0000

Thank you so much

In reply to - Rhonda posted an update in the group Pet Lovers Place

Our neighbor is one that try’s and save men and dogs. Sadly she is not very well at doing either.

This one puppy showed up on our porch. Sent home, well […]

Rhonda posted an update in the group Pet Lovers Place: Our neighbor is one that try’s and save men and dogs. […]

Wed, 03 Jul 2024 04:13:17 +0000

Our neighbor is one that try’s and save men and dogs. Sadly she is not very well at doing either.

This one puppy showed up on our porch. Sent home, well it came back. Full of fleas, so husband bathed to get them off.

Doggie came back, my daughter said she was taking her home. Because she was going to get hit. I told my daughter . If the lady…

Rhonda posted an update: I need some advise, the 6th. I told one of […]

Mon, 01 Jul 2024 15:59:19 +0000

I need some advise, the 6th. I told one of my daughter’s friend she could have her son’s birthday party at my house. Since we have swimming pool. We both have the same birthday, which is the July 3Rd. So I side why not.

Last minute idea, I have below.

My nephew which just graduated high school. Is going to college, has been…

Rhonda posted an update:

Mon, 01 Jul 2024 00:15:52 +0000

Rhonda replied to the discussion Alabama tax proration in the forum FHA Loans

Fri, 28 Jun 2024 23:56:49 +0000

Reply to Alabama tax proration

Yes this is exactly what I need. This is wonderful information, just having a back up plan. As I prepare for 3.50% .

But our home insurance quotes have sky rocketed. This property has non homestead property taxes. So that makes monthly payment higher , first year. So I was looking for a plus in the event . Issue arises not that I expect.…

Rhonda replied to the discussion Alabama tax proration in the forum FHA Loans

Fri, 28 Jun 2024 21:19:31 +0000

Reply to Alabama tax proration

your writing skills, are so amazing. As I know we will need to source where the 3.50% will come from on a 160,000 home. Down payment will be 5,600.00. As seller will be paying 6% buyers cost, trying to limit so much out of pocket. Or at least know best plan with easiest way. Already rents home has for 14 years, not getting into all that.…

Rhonda started the discussion Alabama tax proration in the forum FHA Loans

Fri, 28 Jun 2024 17:20:40 +0000

Alabama tax proration

Can the seller tax proration that is credited to buyer at close. Will that be allowed to count towards the 3.50 % down payment. I know it is allowed, but can it be used to show that is where the part of remaining proceeds will be coming from?

Rhonda started the discussion Owner occupied loan when tragedy happens in the forum Underwriting Help Desk

Fri, 28 Jun 2024 17:11:56 +0000

Owner occupied loan when tragedy happens

Question: In the middle of approving someone to purchase property , which was going to be investment loan. Their home catches on fire total loss. Their home was paid for, they are now residing in hotel. Rental well we know terrible. So my thinking buy something so have a place to put head. what investors would allow to purchase home being…

Rhonda completed the requirement "Earn 1000 Points" of the rank Member:

Thu, 27 Jun 2024 19:58:47 +0000

Rhonda reached the rank Member:

Thu, 27 Jun 2024 19:58:45 +0000

Rhonda replied to the discussion Buying a house in Alabama in the forum Alabama

Thu, 27 Jun 2024 18:11:08 +0000

Reply to Buying a house in Alabama

It has almost doubled, and a lot of Carriers have pulled out and are not writing coverage. Due to hurricane claims. I had Coastal Select, they pulled out. State farm became the Cheapest. As they had no rate increase when others did. So they took a big rate increase, they say inflation.

Not just home but auto to. They have started canceling a…

Rhonda started the discussion HARD MOMENT in the forum General Discussion

Thu, 27 Jun 2024 03:49:52 +0000

HARD MOMENT

I just wanted to share with everyone how important it is to have an amazing friend. Today, my friend’s house caught on fire and she immediately called me in a panic. Even though I had no idea where her house was, I reassured her that I was on my way. In the midst of assisting her with a loan, I quickly pulled up her address and rushed to…

Rhonda replied to the discussion Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates in the forum Biography

Thu, 27 Jun 2024 03:23:02 +0000

Reply to Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates

Thank you for the kind words! Working as a mortgage loan officer at NEXA Mortgage LLC | Gustan Cho Associates It truly been an eye-opening experience. I’ve learned so much about the broker side and have been fortunate to have an incredible team, led by Gus, supporting me every step of the way. With your guidance, I feel my day coming. With…