I live in Texas. Does your company offer loans on manufactured or modular homes using a VA loan? I own my home outright. 100% equity. Would like to do a cash out refinance for some upgrades.

My wife and i are interested in qualifying for a USDA loan because there is no money down. I am self-employed so I am worried about my income. What is the maximum debt-to-income ratio on USDA loans.

What is the difference between a hard pull and soft pull during the mortgage loan process. I heard the hard credit pull drops the credit scores of the mortgage loan borrower. So if the borrower keeps shopping for mortgage rates with different lenders, the borrowers credit scores can plummet?

I have a question I asked multiple people who are called expert loan officers and credit repair geniuses but I am getting conflicting answers. I want to know if a consumer needs to get his credit scores up for a mortgage to a 640 FICO. He has never missed a monthly payment and has perfect payment history the past five years. He has 10 credit card accounts with all of them maxed to the credit limit. Here are the credit card balances and credit card limit. His middlw credit score is currently 525. Question is what credit card should he pay down the balance to lower his credit utilization ratio. Should he start paying down the lower limit credit first or should he pay down the higher credit limit credit card first. Here is his credit cards, the balances, and the credit limit.

CREDIT CARD. BALANCE LIMIT

1. DISCOVER $498. $500

2. CAPITAL ONE. $470. $500

3. CREDIT ONE. $490. $500

4. SELF VISA. $1,500. $1,490

5. TRUMP CARD $4,000. $4000.

6. JOURNEY CARD $2,130 $$2,200

7. CREDIT PLUS $3,490. ,$3,500

8. BUDDY VISA $1,500. $1,600

10. MISSION LANE $1498 $1,500

Is investing in copper a good investment? Whether investing in copper is a good investment or not depends on several factors, including the investor’s goals, risk tolerance, and investment horizon. Here are some key points to consider regarding investing in copper:

1. Copper is a cyclical commodity: The demand for copper is closely tied to the overall health of the economy, particularly in sectors like construction, manufacturing, and infrastructure. When the economy is growing, demand for copper typically increases, driving up prices. However, during economic downturns, copper prices tend to decline.
2. Supply and demand dynamics: Copper is a finite resource, and its price is influenced by the balance between supply and demand. If new copper mines are brought online or existing mines increase production, it could lead to an oversupply and lower prices. Conversely, supply disruptions or increasing demand from emerging economies like China and India can drive prices higher.
3. Industrial usage: Copper is an essential material in many industries due to its excellent electrical and thermal conductivity, as well as its resistance to corrosion. It is widely used in electrical wiring, plumbing, and various industrial applications. The growth or decline of these industries can impact copper demand and prices.
4. Investing options: Investors can gain exposure to copper through various instruments, including copper futures contracts, copper mining stocks, exchange-traded funds (ETFs) that track copper prices, or physical copper (e.g., copper bars or coins).
5. Volatility and risk: Like many commodities, copper prices can be volatile and subject to significant fluctuations due to various factors, including global economic conditions, geopolitical events, and supply disruptions. Investing in copper carries risks, and investors should be prepared for potential price swings.

Ultimately, the decision to invest in copper should be based on thorough research, an understanding of the copper market dynamics, and an assessment of one’s investment objectives and risk tolerance. It may be advisable to consult with a financial advisor or conduct further research to determine if copper suits your investment portfolio.

https://www.youtube.com/watch?v=2p2Jwt9VZDU

What are the benefits of investing in coins? Investing in coins, particularly rare and collectible coins, can offer several benefits. Here are some of the key advantages:

1. Historical Value: Many collectible coins have historical significance, making them valuable to collectors who appreciate their historical and cultural context.

2. Tangible Asset: Unlike stocks or bonds, coins are physical items that you can hold. This tangibility can be reassuring for investors who prefer physical assets.

3. Portfolio Diversification: Investing in coins can diversify your investment portfolio. Tangible assets like coins can help balance a portfolio that includes stocks, bonds, and real estate.

4. Potential for Appreciation: Rare and collectible coins can increase in value over time, especially if they are well-preserved and have a limited supply.

5. Inflation Hedge: Precious metal coins, such as gold and silver, can act as a hedge against inflation. The value of these metals tends to rise when the purchasing power of paper money declines.

6. Tax Advantages: In some jurisdictions, profits from selling collectible coins might be taxed differently from other investments, potentially offering tax benefits.

7. Ease of Storage and Transport: Coins are relatively easy to store and transport compared to other physical assets like real estate or large collectibles.

8. High Liquidity: Rare coins often have a strong market, making them relatively easy to buy and sell. There are numerous coin dealers, auctions, and online platforms dedicated to coin trading.

9. Privacy: Coin investments can be made and held privately, offering a level of confidentiality that is not possible with some other types of investments.

10. Enjoyment and Hobby: For many investors, coin collecting is also a hobby. The enjoyment and educational value of collecting coins can be a significant benefit beyond financial gains.

11. Limited Supply: The rarity of certain coins can make them highly desirable. Limited mintage and historical scarcity can drive up their value over time.

12. Global Market: Coins have a global market, meaning they can be bought and sold internationally. This broad market can provide more opportunities for liquidity and appreciation.

Considerations

While there are many benefits to investing in coins, it’s also important to be aware of potential challenges:

• Expertise Required: Successfully investing in coins often requires specialized knowledge. Understanding the market, grading standards, and authenticity verification is crucial.

• Risk of Fraud: The coin market can be susceptible to counterfeits and fraud. Working with reputable dealers and getting coins authenticated can mitigate this risk.

• Market Volatility: Like any investment, the value of coins can fluctuate. Market demand, economic conditions, and trends in collecting can all impact coin prices.

• Storage and Insurance: Proper storage is essential to preserve the condition of coins. Additionally, insurance may be necessary to protect against theft or damage.

By considering both the benefits and the potential challenges, investors can make informed decisions about whether investing in coins aligns with their financial goals and interests.

Ladies and gentlemen, breaking news. Our first transgender first Lady, Big Mike Obama

Many people wonder what are the benefits and negatives between a car purchase and car lease? Which benefits a automobile consumer?

Why are homebuyers buying a house in rursl areas have a difficult time getting qualified and pre-approved for a home mortgage?