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	<title>GCA Mortgage Forums | Kay Anne | Favorites</title>
	<link>https://gcaforums.com/members/kayaj/activity/favorites/</link>
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				<title>Julio Munoz replied to the discussion Midnight Oil&#124; Beds are Burning in the forum Mortgage Underwriting Help Desk</title>
				<link>https://gcaforums.com/topic/midnight-oil-beds-are-burning/#post-37404</link>
				<pubDate>Fri, 12 Jun 2026 01:53:34 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/midnight-oil-beds-are-burning/#post-37404"><span class="bb-reply-lable">Reply to</span> Midnight Oil| Beds are Burning</a></p> <div class="bb-content-inr-wrap"><p>Great &#x1f44d; blast from the past</p>
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				<title>Julio Munoz replied to the discussion Day Dream Believer &#124; The Monkeys in the forum Pets, Food, Hobbies, and Recreation</title>
				<link>https://gcaforums.com/topic/day-dream-believer-the-monkeys/#post-37403</link>
				<pubDate>Fri, 12 Jun 2026 01:43:33 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/day-dream-believer-the-monkeys/#post-37403"><span class="bb-reply-lable">Reply to</span> Day Dream Believer | The Monkeys</a></p> <div class="bb-content-inr-wrap"><p>Cool &#x1f60e; song</p>
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				<title>Julio Munoz started the discussion Former Governor Rod Blagojevich in the forum Community Lounge</title>
				<link>https://gcaforums.com/topic/former-governor-rod-blagojevich/</link>
				<pubDate>Fri, 12 Jun 2026 00:22:13 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/former-governor-rod-blagojevich/">Former Governor Rod Blagojevich</a></p> <div class="bb-content-inr-wrap"><p>Rod Blagojevich joins Greta Van Susteren for a candid and wide-ranging conversation on this episode of Greta Wire.</p>
<p>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&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28762"><a href="https://gcaforums.com/topic/former-governor-rod-blagojevich/" rel="nofollow"> Read more</a></span></p>
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				<title>Jason Hall posted an update: That's a real shift in how mortgage credit can get [&#133;]</title>
				<link>https://gcaforums.com/activity/p/28761/</link>
				<pubDate>Thu, 11 Jun 2026 11:44:08 +0000</pubDate>

									<content:encoded><![CDATA[<p><span>That&#8217;s a real shift in how mortgage credit can get read. VantageScore 4.0 looks at &#8220;trended data&#8221; (how you&#8217;ve handled balances over time, not just a snapshot) and treats most medical collections differently than older models.</span></p>
<p>What it does NOT mean:</p>
<p>&#x2705; FICO isn&#8217;t going anywhere — lenders are using both</p>
<p>&#x2705; The rollout is early and still growing — not&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28761"><a href="https://gcaforums.com/activity/p/28761/" rel="nofollow"> Read more</a></span></p>
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				<title>Gustan Cho replied to the discussion My Dog is a Republican in the forum Pets, Food, Hobbies, and Recreation</title>
				<link>https://gcaforums.com/topic/my-dog-is-a-republican/#post-37391</link>
				<pubDate>Wed, 10 Jun 2026 03:03:54 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/my-dog-is-a-republican/#post-37391"><span class="bb-reply-lable">Reply to</span> My Dog is a Republican</a></p> <div class="bb-content-inr-wrap"><p>Final set of photos of my little rascals</p>
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				<title>Chase replied to the discussion GCA Forums News For Tuesday April 21 2026 in the forum Daily News and Economic Updates</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-april-21-2026/#post-36074</link>
				<pubDate>Wed, 22 Apr 2026 16:03:46 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-april-21-2026/#post-36074"><span class="bb-reply-lable">Reply to</span> GCA Forums News For Tuesday April 21 2026</a></p> <div class="bb-content-inr-wrap"><p>There are many members of Trump&#8217;s cabinet who are literally kissing President Trump&#8217;s ass. For example, former Secretary of Homeland Security Kristi Noem, Disgraced Former Fired AG Pam Bondi, and FBI Kash Patel literally kissed or are kissing Trump&#8217;s ass. Especially, FBI Director Kash Patel noticeably sneaks out words like The Brilliant&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28259"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-april-21-2026/#post-36074" rel="nofollow"> Read more</a></span></p>
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				<title>Frankfratt FrankCydayVK became a registered member</title>
				<link>https://gcaforums.com/activity/p/27906/</link>
				<pubDate>Fri, 06 Mar 2026 00:22:18 +0000</pubDate>

				
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				<title>Lisa Jones replied to the discussion GCA Forums News For Monday March 2 2026 in the forum Daily News and Economic Updates</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-monday-march-2-2026/#post-35717</link>
				<pubDate>Fri, 06 Mar 2026 00:06:47 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-march-2-2026/#post-35717"><span class="bb-reply-lable">Reply to</span> GCA Forums News For Monday March 2 2026</a></p> <div class="bb-content-inr-wrap"><p>Thank you for your feedback. You raised several important questions. Below, I address each point, clarify key considerations, and introduce additional questions for further evaluation.</p>
<p><b><strong>Your Questions, Clarified and Expanded</strong></b></p>
<p>How Net Branch Mortgage Managers Are Compensated. Inquire not only about the pay structure but also request a detailed&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27905"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-march-2-2026/#post-35717" rel="nofollow"> Read more</a></span></p>
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				<title>Lisa Jones replied to the discussion GCA Forums News For Monday March 2 2026 in the forum Daily News and Economic Updates</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-monday-march-2-2026/#post-35715</link>
				<pubDate>Thu, 05 Mar 2026 21:47:31 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-march-2-2026/#post-35715"><span class="bb-reply-lable">Reply to</span> GCA Forums News For Monday March 2 2026</a></p> <div class="bb-content-inr-wrap"><p><b><strong>This guide is organized into clear, easy-to-read sections.</strong></b></p>
<p><b><strong>Cost Of Running a Mortgage Net Branch</strong></b></p>
<p>Running a physical branch is a lot like managing your own small business, except you use the brand. As a branch manager, you cover all the expenses. Here are some key budget points and financial details to keep in mind.</p>
<blockquote>
<p>Most branch managers pay their&hellip;</p>
</blockquote>
<p><span class="activity-read-more" id="activity-read-more-27903"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-march-2-2026/#post-35715" rel="nofollow"> Read more</a></span></p>
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				<title>Kay Anne replied to the discussion Working For Two Mortgage Companies At The Same Time in the forum Mortgage Careers and Licensing</title>
				<link>https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35712</link>
				<pubDate>Thu, 05 Mar 2026 19:00:53 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35712"><span class="bb-reply-lable">Reply to</span> Working For Two Mortgage Companies At The Same Time</a></p> <div class="bb-content-inr-wrap"><p>You’ve got part of it right, but a few details are off when you consider the NMLS and state rules that will apply by 2026.</p>
<p><b>General Principle of Sponsorship</b></p>
<p>Most states follow the rule that each mortgage loan officer can only have one sponsor in each state. You cannot have more than one sponsor in a state, or be sponsored by more than one mortgage&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27901"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35712" rel="nofollow"> Read more</a></span></p>
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				<title>Connie replied to the discussion Working For Two Mortgage Companies At The Same Time in the forum Mortgage Careers and Licensing</title>
				<link>https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35711</link>
				<pubDate>Thu, 05 Mar 2026 18:50:37 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35711"><span class="bb-reply-lable">Reply to</span> Working For Two Mortgage Companies At The Same Time</a></p> <div class="bb-content-inr-wrap"><p>From my understanding, you can be sponsored by two different mortgage companies at the same time if the following holds true: </p>
<p>1. You are the owner of All-World Mortgage Brokers and the mortgage brokerage company is licensed in one state: Let&#8217;s say they are only licensed in Illinois.</p>
<p>2. All other states aside of Illinois, you can be sponsored&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27900"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35711" rel="nofollow"> Read more</a></span></p>
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				<title>Hector and Thomas Miller are now connected</title>
				<link>https://gcaforums.com/activity/p/27899/</link>
				<pubDate>Thu, 05 Mar 2026 18:45:02 +0000</pubDate>

				
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				<title>Thomas Miller replied to the discussion Working For Two Mortgage Companies At The Same Time in the forum Mortgage Careers and Licensing</title>
				<link>https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35710</link>
				<pubDate>Thu, 05 Mar 2026 18:44:26 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35710"><span class="bb-reply-lable">Reply to</span> Working For Two Mortgage Companies At The Same Time</a></p> <div class="bb-content-inr-wrap"><p>In the mortgage industry, a mortgage loan officer is generally not permitted to be sponsored and employed by two mortgage companies at the same time, even if the companies operate in different states.</p>
<p><b>Employer Sponsorship and Licensing Requirements</b></p>
<ul>
<li>The Nationwide Multistate Licensing System (NMLS) permits mortgage loan officers to obtain&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-27898"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35710" rel="nofollow"> Read more</a></span></p>
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				<title>Kay Anne replied to the discussion Working For Two Mortgage Companies At The Same Time in the forum Mortgage Careers and Licensing</title>
				<link>https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35709</link>
				<pubDate>Thu, 05 Mar 2026 18:33:45 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35709"><span class="bb-reply-lable">Reply to</span> Working For Two Mortgage Companies At The Same Time</a></p> <div class="bb-content-inr-wrap"><p>Is it legal for mortgage loan officers to work for two companies in different states</p>
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				<title>Thomas Miller replied to the discussion Working For Two Mortgage Companies At The Same Time in the forum Mortgage Careers and Licensing</title>
				<link>https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35708</link>
				<pubDate>Thu, 05 Mar 2026 18:31:20 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35708"><span class="bb-reply-lable">Reply to</span> Working For Two Mortgage Companies At The Same Time</a></p> <div class="bb-content-inr-wrap"><p>In most cases, serving as a loan officer for two rival mortgage companies at the same time is off-limits. Whether you can do so ultimately hinges on state regulations, agency rules, and the fine print in your employment contracts.</p>
<p><b>Key Legal and Compliance Considerations</b></p>
<ul>
<li>State Sponsorship and Licensing Rules (NMLS): Most states recognize&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-27896"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/#post-35708" rel="nofollow"> Read more</a></span></p>
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				<title>brent_norkus and Lori are now connected</title>
				<link>https://gcaforums.com/activity/p/27895/</link>
				<pubDate>Thu, 05 Mar 2026 18:29:37 +0000</pubDate>

				
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				<title>Lori started the discussion Working For Two Mortgage Companies At The Same Time in the forum Mortgage Careers and Licensing</title>
				<link>https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/</link>
				<pubDate>Thu, 05 Mar 2026 18:16:12 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/">Working For Two Mortgage Companies At The Same Time</a></p> <div class="bb-content-inr-wrap"><p>I own my own mortgage broker in Chicago, Illinois and have a dozen wholesale lenders. My mortgage brokerage company is licensed in three states where I can only originate residential loans in the three states I am licensed. I have heard from numberous business associates and a few wholesale mortgage lenders that I can own my own mortgage&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27894"><a href="https://gcaforums.com/topic/working-for-two-mortgage-companies-at-the-same-time/" rel="nofollow"> Read more</a></span></p>
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				<title>Lori replied to the discussion In-House Mortgage Processors vs Contract Processors in the forum Mortgage Underwriting Help Desk</title>
				<link>https://gcaforums.com/topic/in-house-mortgage-processors-vs-contract-processors/#post-35706</link>
				<pubDate>Thu, 05 Mar 2026 18:06:16 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/in-house-mortgage-processors-vs-contract-processors/#post-35706"><span class="bb-reply-lable">Reply to</span> In-House Mortgage Processors vs Contract Processors</a></p> <div class="bb-content-inr-wrap"><p>Annual compensation for mortgage processors with in-depth knowledge of obstacles involved with any of the following files: FHA, VA, USDA, Conventional, and Non-QM Loans, is estimated to be between $60,000 and $80,000. People with this type of knowledge, experience, and product background are considered “experienced to senior” levels because&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27893"><a href="https://gcaforums.com/topic/in-house-mortgage-processors-vs-contract-processors/#post-35706" rel="nofollow"> Read more</a></span></p>
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				<title>MauriceGob MauricetowOM became a registered member</title>
				<link>https://gcaforums.com/activity/p/27867/</link>
				<pubDate>Fri, 20 Feb 2026 11:35:50 +0000</pubDate>

				
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				<title>Gustan Cho replied to the discussion HOW TO REBUILD AND CREDIT SCORES FOR MORTGAGE APPROVAL in the forum Credit Scores, Collections, and Debt</title>
				<link>https://gcaforums.com/topic/how-to-rebuild-and-credit-scores-for-mortgage-approval/#post-35657</link>
				<pubDate>Fri, 20 Feb 2026 05:49:40 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/how-to-rebuild-and-credit-scores-for-mortgage-approval/#post-35657"><span class="bb-reply-lable">Reply to</span> HOW TO REBUILD AND CREDIT SCORES FOR MORTGAGE APPROVAL</a></p> <div class="bb-content-inr-wrap"><p>Begin your path to mortgage approval by addressing major negative marks on your credit. Next, open three or four new credit accounts and manage them responsibly. This guide offers easy steps, card recommendations, and tools to help boost your score.</p>
<p><b><strong>Key rules lenders care about:</strong></b></p>
<ul>
<li>Maintaining on-time payments over the past 12 months is&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-27866"><a href="https://gcaforums.com/topic/how-to-rebuild-and-credit-scores-for-mortgage-approval/#post-35657" rel="nofollow"> Read more</a></span></p>
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