Wow. Thank you. Appreciate your guidance and help. Will ask the account execute to escalate file to underwriting department.

That’s going to be a health and safety issue. The only ways around that are –

Get a contractor to repair the deck and get paid at closing

Decommission the deck and block off the doorway by boarding it up or even using 2x4s.

I have closed them by using 2 2×4 and negating the access to the door

​Like to thank TM and LMJ for the basic information on how to get a HELOC. Like to thank them for the introduction. Seth, can you please tell me how your HELOC program works? I have many folks needing it, including myself. Things like minimum credit score, CLTV, rate and terms (I am assuming it will be a floating rate?), debt-to-income ratio,…

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We appreciate you reaching out to GCA Mortgage Forums.

At Gustan Cho Associates, we specialize in Non-QM loan programs designed for self-employed individuals and anyone who faces challenges qualifying for conventional, FHA, VA, or USDA loans due to credit, income, or underwriting hurdles.

Non-QM loans can be a great fit for…

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Here is a Snapshot of What You Can Expect to Pay in Closing Costs When Purchasing a $600,000 Home in Orange County, Texas.

Texas homebuyers typically see closing costs ranging from 2% to 5% of the purchase price, which means you might spend between $12,000 and $30,000 on a $600,000 home.

Here is a Breakdown of Estimated Closing Costs You… Read more

GCA Mortgage Forums Daily News: Mortgage Rates Face Pressure as Housing Starts and Pending Sales Fall

Tuesday, August 18, 2026
Homebuilding is slowing, and fewer buyers are signing contracts as higher long-term government bond yields push mortgage rates close to 6% for many people. Worries about inflation, energy costs, the Federal Reserve,…

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Flock Cameras are automatic license plate readers sold by Flock Safety, a company started in Atlanta in 2017. These solar-powered cameras connect through LTE and do not need wiring. They are set up along roads, at intersections, in neighborhoods, and at businesses.

Flock cameras take pictures of license plates on passing cars and collect…

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Estimated Buyer Closing Costs on a $600,000 Home in Orange County, Texas

Buyers financing a primary residence should expect the following costs:

Typical buyer closing costs range from $15,000 to $25,000.

A practical estimate for buyer closing costs is $20,000 to $25,000, excluding the down payment. In Texas, these costs typically range from 2% to…

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Understanding AUS Findings: Approve/Eligible vs. Refer/Eligible and What It Means for MLOs

For a complete borrower qualification, you must also evaluate AUS (Automated Underwriting System) findings after submitting the file through AUS (e.g., DU, LP). AUS findings will indicate whether the file is pre-approvable or requires additional steps…

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The content below centers new MLOs on best practices and informs them about common underwriting mistakes.

Common mistakes made by new mortgage loan originators include issuing a pre-approval letter prematurely. An actual pre-approval is not a guess or based on a hunch. An actual pre-approval requires the originator to verify the data…

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A chattel loan is a type of financing that is secured by movable property rather than real estate. In a housing loan, chattel financing means the lender’s security is the home (i.e., a manufactured or mobile home built to be moved) rather than the land on which the home is sited. When a home is not legally affixed and not legally part of the…

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Can I Pay Off an Active Chapter 13 With an FHA Cash-Out Refinance?

I am looking for a mortgage lender or broker experienced with an FHA cash-out refinance during an active Chapter 13 bankruptcy in Pennsylvania.

My goal is not to take money out for personal spending. I want to explore whether a court-approved FHA cash-out refinance could pay off…

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You are NOT answering the question and going off on a tangent. Again, my question is very specific. I am getting conflicting answers by different mortgage brokers and mortgage lenders. Again, QUESTION: CAN YOU USE an FHA 203k LOAN ON A MANUFACTURED HOME that is sitting on a permanent concrete foundation and needs total renovation. Thank you.

Great 👍 blast from the past

Cool 😎 song

Rod Blagojevich joins Greta Van Susteren for a candid and wide-ranging conversation on this episode of Greta Wire.

The former Illinois governor looks back on the prosecution that ended his political career, his years in federal prison, and why he believes he was an early target of the same kind of “lawfare” later used against President Donald…

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In an unfolding Washington drama, FBI Director Cash Patel, appointed by President Donald Trump, faces a career-threatening scandal. Allegations from The Atlantic accuse him of erratic behavior and being a national security vulnerability. As Patel responds with inflammatory claims on Fox News about election fraud, the stakes escalate for… Read more

There’s Something Bizarre About This and It’s Got Many People Concerned..
🔹

We have a few strange stories to cover in my latest video.

First, I talk about how McDonald’s is going to phase out self-serve soda fountains in the near future.

Next, I play a couple interviews where they indicate there will be an announcement soon here that has…

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In 2024, the US government blocked a merger that could have saved Spirit Airlines. In 2026, the same crisis that grounded the airline brought Washington back — with a five-hundred-million-dollar decision that changes everything. Here’s what’s really going on.

https://youtu.be/QHNm6y6iWOo?si=KTkjFAP2MGqvLU2N

In some states, the housing market is changing faster than people realize. Homes are sitting longer. Buyers are disappearing. And once-hot markets are suddenly facing a very different reality. In this video, we look at ten states where fewer people are buying homes anymore. But the real reason is not always obvious. High prices, mortgage… Read more

Do senior property owners get a property tax reduction in Wisconsin?

Do you get a property tax reduction if you have been hives on your property in Wisconsin or Illinois? In Wisconsin, beekeeping can lead to significant tax savings, though “tax exemption” often refers to sales tax on equipment rather than a total exemption from property taxes. For land, beekeeping is categorized as an agricultural activity…

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On April 7, 2026, it was a major national election for those running for the midterms. As of today, how does the results look? What are the results of some reptuable polls? Do you think the Democrats or Reputblicans will be the majority on the midterms?

https://www.youtube.com/watch?v=1gj1WuPQ2ys

Based on your search for a comprehensive, microwave-ready frozen seafood boil in Northern Illinois, here are your best options:

Online Delivery Options (Ship to Illinois):1Crabby Bags –

• This appears to be your best match for what you remember.
• They offer frozen seafood boil bags that cook straight from frozen in about 15 minutes, though you boil…

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I want to start investing. Never invested before. Not even stocks, bonds, or commodities. One of the things that interests me and my co-workers is bitcoin. I do not know anything about it, what it is, how it works, but I heard bit coin went from a few dollars to over $120,000 in a few years. I heard that bitcoin made thousands of millionaires…

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Can you please explain about Fed Chairman Jerome Powell issuing a DIRE Warning | Systemic DEBT COLLAPSE. What does President Trump and Republicans say about this?

Breaking news. Tiger Woods got charged of DUI Friday March 27, 2026. This DUI is Tiger Woods third DUI.

https://youtu.be/Lx0CMwqNeXo?si=EjWeE-2QavXX_90_

What is the National Faith Homebuyer program, who is eligible, what are the requirements, and which wholesale lenders offer it?

Here is a summary about the owner of NEXA Lending CEO Mike Kortas buying FSBO.COM and leading the new company FSBO Holdings, LLC with the CEO of HOMEPIE Brad Rice. NEXA Lending recently created and launched AXEN REALTY as well.

• NEXA CEO Mike Kortas Buys FSBO.com and Plans AI‑Driven Reinvention for Modern Home…

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My good friends and brothers are thinking about joining NEXA Mortgage, which changed the name to NEXA Lending. Now I am hearing and it is all over the internet that CEO Mike Kortas is aggressively acquiring Shell Companies? What does this mean, how does it impact the current loan officers and branch managers at Nexa Mortgage, what are the…

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Marketing tips for Chicago suburb mortgage brokers. Mortgage brokers in the Chicago suburbs win by dominating hyper-local visibility and building strong referral networks with agents/CPAs/attorneys, while consistently offering online educational content. Given your content and footprint, concentrating on “local authority + agent partnerships +…

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Mortgage brokers in Chicago’s suburbs dominate hyper-local visibility and build solid networks with agents, CPAs, and attorneys, supplemented with consistent online educational content. With your current footprint and content proficiency, the combination of “local authority plus agent partnerships and Google visibility” will be the quickest…

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What do you need to do to open an LLC or S-Corp. Which is better between LLC and S-Corp

What is the update on Erika Kirk controversy?

Thank you for your response, and I can see the logic on what you stated. To take it further so we are all on the same page without misunderstandings, can we use a realistic case scenario? Since we are using Gustan Cho Associates and its subsidiaries as well as GCA Mortgage Forums, can we continue to use Gustan Cho Associates since it is the… Read more

Great topic where many people need solid information. I always go to Gustan Cho Associates for advice and utilize GCA Mortgage Forums. Using Great Community Authority Forums, and Gustan Cho Associates to boost up organic traffic, which means increasing the Domain Authority, Page Authority by providing quality content, How do you go… Read more

Some of my co-workers and I have been talking about how truck prices have gone through the roof. There are many trucks that near six figures. Don’t take me wrong, it looks greats with many luxury options. However, one thing I do not understand and never will is how trucks and other types of vehicles depreciate in value from the minute you…

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Short Answer: Since you only carry liability insurance and you were not at fault, the at‑fault driver’s insurance should cover your damages, including the total loss of your vehicle. However, because liability insurance does not cover your own car, you must rely on the other driver’s insurer to pay. If they are delaying or giving you the…

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Let me take a quick dive into the politics and provide a concise response, using just the right amount of information, humor, and kindness. However, I have to bring this up. This may seem irrelevant to me, but let me factually approach this and focus on the truth first; then we can discuss everything else.

Factual Correction

As far as I know, as…

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Can anyone familiar with the recent topic that Erica Kirk, the widow of the late Charlie Kirk, the founder and President of Turning Point USA knew her husband Charlie Kirk’s assassination plot? This news was released by Reporter and Journalist Candace Owens. Candace Owens doubled down when her critics called her a conspiracy theorist and…

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